FinovateEurope 2015 / C24

Presenter Profile:

How they describe themselves: C24 caters to multi-bank users’ needs and helps them aggregate their accounts. We believe in a multi-bank world and have a solution for household finance management.

C24 works with end users, who can register with the web/mobile app directly by linking their cards, as well as bank partners, who profit from a robust online platform offered for free with advanced marketing capabilities.

C24 processes payments on its own and has all required licenses for prepaid business in geographies where it operates.

C24 partners with merchants to give users actionable insight on their spending.

Merchants save on payments and profit from ads, sharing the volume with participating banks to deflate user fees, making the service nearly free to use.

How they describe their product/innovation: C24 is a multi-channel platform that allows end users to connect their accounts with different banks, so that their household financial standing is visible and manageable.

Users can pay bills, set bill payment rules, and use linked “proxy” Visa cards to pay for goods online and offline. API of C24 lets partnering banks to securely provide their users with info of accounts within these banks, otherwise customers can use Visa/MC rails or other standard means of linking their sources of funds.

C24 is a user-experience-driven app, where the complexity of numerous accounts is nowhere to be seen. The impetus for C24 to exist is to automate day-to-day finance routines and advise on the best courses of action.

Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions


Bus. Dev.: Alex Bessonov, Head of Bus. Dev.,
Press: Daniel Gusev, Product UX & Marketing,
Sales: Yuri Demidovich, Head of Innovation,

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