Earlier than heading out for the vacations, Finovate World shared a glance again on the entrepreneurs and innovators we interviewed in 2025.
Right this moment, as the brand new yr begins in earnest for a lot of, we’re formally saluting these firms hailing from exterior the US that made the journey to our fintech conferences in London, San Diego, and New York in 2025. As you possibly can see, Finovate continues to draw progressive fintech expertise from world wide to be part of our distinctive occasions.
Wish to be part of the roster? FinovateEurope is presently accepting purposes for the upcoming February convention in London, February 10 and 11. Wherever you and your workforce name residence, we’re blissful to be taught extra about you and your ready-to-demo innovation. Try our FinovateEurope Apply to Demo web page to be taught extra!
APIMatic
Based in 2014, APIMatic is a developer expertise platform for APIs that allows organizations to drive quick, widespread adoption of their APIs. The platform helps each stage of the API journey, from design and dynamic SDKs to code pattern era and end-to-end automation. Headquartered in Auckland, New Zealand, APIMatic made its most up-to-date look on the Finovate stage at FinovateSpring 2025.
AQ22
Based in 2024, AQ22 affords an Agentic Orchestration Banking platform that allows banks to deploy AI brokers to automate core banking processes and operations. Headquartered in Vilnius, Lithuania, AQ22 made its Finovate debut at FinovateEurope 2025.
Aurem
Based in 2022, Aurem affords an clever working system for retirement and wealth suppliers. Their platform helps establishments unify and optimize their merchandise, processes, and knowledge and ship them globally in days. Headquartered in Abu Dhabi, UAE, Aurem made its Finovate debut at FinovateFall 2025.
b-next
Based in 1989, b-next is a company software program supplier specializing in capital markets buying and selling surveillance and compliance options. Headquartered in Herford, Germany, b-next made its Finovate debut at FinovateEurope 2025.
Cinareo Options
Based in 2022, Cinareo Options affords a capability planning platform that gives pro-active useful resource planning and monetary evaluation to cost-efficiently handle front- and back-office workforce members, in addition to assist employees. The corporate is a winner of Finovate’s Sustainability & Inclusion Scholarship Program. Headquartered in Oshawa, Ontario, Cinareo Options made its Finovate debut at FinovateSpring 2025.
Copla
Based in 2023, Copla is an ICT safety and compliance automation platform that transforms paper compliance into real-world resilience. The platform supplies the capabilities of a full cybersecurity and compliance division at a subscription value. Headquartered in Vilnius, Lithuania, Copla made its Finovate debut at FinovateEurope 2025.
Deriskly
Based in 2020, Deriskly supplies AI-driven communication intelligence that deciphers buyer suggestions, automates compliance, and enhances belief by remodeling advanced laws into actionable insights. Headquartered in London, England, Deriskly made its Finovate debut at FinovateEurope 2025.
Dimply
Based in 2020, Dimply allows organizations to optimize operations, improve buyer engagement, uncover development alternatives, and speed up digital transformation. Headquartered in Dublin, Eire, Dimply most lately demoed its know-how on the Finovate stage at FinovateFall 2025.
Doshi App
Based in 2021, Doshi App empowers monetary establishments to ship participating, rewarding, and scalable monetary schooling experiences that construct cash confidence. Headquartered in London, England, Doshi App most lately demoed its know-how on the Finovate stage at FinovateEurope 2025.
ebankIT
Based in 2014, ebankIT empowers monetary establishments to innovate rapidly, scale back prices, and ship customized providers throughout all channels, accelerating development and future-proofing their digital technique. Headquartered in Porto, Portugal, the two-time Finovate Better of Present winner most lately demoed its know-how on the Finovate stage at FinovateFall 2025.
FintechOS
Based in 2017, FintechOS allows banks and credit score unions to launch any product sooner, modernize buyer experiences, and adapt rapidly to market and regulatory modifications—with out changing their core techniques. Headquartered in London, England, FintechOS made its most up-to-date Finovate look at FinovateFall 2025.
Homely
Based in 2021, Homely is an AI-powered platform that empowers the journey to homeownership by combining schooling, spend administration, and monetary rewards in a hyper-personalized means. Headquartered in the UK, Homely made its Finovate debut at FinovateEurope 2025.
Hyperdesk
Based in 2022, Hyperdesk supplies an AI-powered search engine that helps credit score unions and group banks develop their loans and deposits by higher participating with native companies. Headquartered in San Francisco, California, and Mexico Metropolis, Mexico, Hyperdesk made its Finovate debut at FinovateSpring 2025.
ID-Pal
Based in 2016, ID-Pal facilitates enterprise development with AI-powered identification verification and AML screening, rising operational effectivity and buyer belief. Headquartered in Dublin, Eire, ID-Pal most lately demoed its know-how on the Finovate stage at FinovateFall 2025.
Intrepid Fox
Based in 2024, Intrepid Fox leverages GenAI to make KYC 10x sooner for banks and fintechs. The corporate’s know-how streamlines onboarding by immediately processing paperwork and interesting in value-added interactions. Headquartered in London, England, Intrepid Fox most lately demoed its know-how on the Finovate stage at FinovateEurope 2025.
Intuitech
Based in 2018, Intuitech makes use of agentic networks to automate advanced workflows, maximize effectivity, and elevate the client expertise for firms in monetary providers. Primarily based in Budapest, Hungary, Intuitech made its Finovate debut at FinovateEurope 2025.
Keyless
Based in 2019, Keyless replaces outdated MFA with biometrics, bettering UX and saving thousands and thousands. One financial institution saved $3.5 million by eliminating name facilities for OTP-based restoration. Primarily based in London, England, Keyless received Better of Present in its Finovate debut at FinovateEurope 2025. The corporate returned to the Finovate stage later within the yr for FinovateFall 2025.
LemonadeLXP
Based in 2018, LemonadeLXP’s InsightAI improves employees and buyer schooling whereas driving vital operational efficiencies. Headquartered in Ottawa, Canada, LemonadeLXP received Better of Present at FinovateFall 2022 and once more at FinovateFall 2025.
MDOTM
Based in 2015, MDOTM focuses on analytical and GenAI options for banks, insurance coverage firms, asset managers, and wealth administration firms. Headquartered in London, England, MDOTM made its Finovate debut at FinovateEurope 2025.
Mifundo
Based in 2022, Mifundo supplies an information answer that provides cross-border credit score info and standardized credit score scores to assist decrease banks’ credit score threat for worldwide clients by as much as 7x. Headquartered in Tallinn, Estonia, Mifundo made its Finovate debut at FinovateEurope 2025.
MoneyPlanned
Based in 2021, MoneyPlanned empowers establishments to supply clever, automated monetary planning—boosting advisor effectivity, lowering cost-to-serve, and delivering customized consumer experiences at scale. Primarily based in Bengaluru, India, MoneyPlanned made its Finovate debut at FinovateFall 2025.
Moonjelly
Based in 2024, Moonjelly affords a scalable, clear, and dependable GenAI platform that allows companies to leverage AI brokers and customized AI options to retrieve info, derive insights, and full duties. Headquartered in South Holland, Netherlands, Moonjelly made its Finovate debut at FinovateEurope 2025.
Offset Labs
Based in 2022, Offset Labs (previously Byne) allows firms to construct safe LLM brokers and host LLM purposes inside their safe perimeter (on premise or non-public cloud) to make sure secure dealing with of delicate knowledge and integration with inner techniques. Headquartered in London, England, the corporate made its Finovate debut at FinovateEurope 2025.
OPL
Based in 2015, OPL’s cash-flow-based lending helps banks remodel their operations by means of agile lending, AI-driven insights, and clever credit score underwriting—increasing credit score entry to SMEs. Headquartered in Ahmedabad, Gujarat, India, OPL made its Finovate debut at FinovateFall 2025.
PayIP
Based in 2021, PayIP is a specialised fintech supplier that helps banks and monetary providers firms optimize each interchange and Visa and Mastercard billing prices. Primarily based in Johannesburg, South Africa, PayIP made its Finovate debut at FinovateEurope 2025.
Plumery
Based in 2016, Plumery affords a cloud-native digital banking expertise platform that empowers monetary establishments to construct distinctive and customer-centric cell and on-line experiences. Headquartered within the Netherlands, Plumery made its Finovate debut at FinovateEurope 2025.
Primer
Based in 2023, Primer is an AI-powered monetary evaluation platform for funding professionals at banks, hedge funds, and asset administration corporations. Headquartered in London, England, Primer made its Finovate debut at FinovateEurope 2025.
PromoComply
Based in 2024, PromoComply affords a complete platform for monetary promotions compliance. The corporate helps monetary sector firms guarantee their monetary promotion campaigns are repeatedly compliant with UK FCA laws. Headquartered in Montreal, Canada, PromoComply made its Finovate debut at FinovateEurope 2025.
R34DY
Based in 2019, R34DY helps organizations remodel their enterprise by taking the ache out of integrations and making it straightforward for enterprise homeowners to create use circumstances and scale back time to market. Headquartered in Budapest, Hungary, R34DY received Better of Present in its Finovate debut at FinovateEurope 2025 and returned to the Finovate stage later within the yr for FinovateFall 2025.
Regsearch AI
Based in 2019, Regsearch AI affords a regulatory compliance answer that leverages AI brokers to streamline compliance processes. Headquartered in Luxembourg, Regsearch AI made its Finovate debut at FinovateEurope 2025.
Torus
Based in 2021, Torus is a SaaS intelligence platform for banks and fintechs that allows them to boost income on card transactions by as much as 50%. Headquartered in Vilnius, Lithuania, Torus most lately demoed its know-how on the Finovate stage at FinovateEurope 2025.
Tweezr
Based in 2024, Tweezr is an AI-powered developer assistant tailor-made for legacy environments that helps speed up time-to-market and enhance developer productiveness. Headquartered in Tel Aviv, Israel, Tweezr received Better of Present in its Finovate debut at FinovateEurope 2025.
Xaver
Based in 2023, Xaver affords a gross sales platform that enhances advisory high quality and effectivity for monetary establishments by delivering an AI-enabled, customized, omnichannel buyer journey. Headquartered in Cologne, Germany, Xaver made its Finovate debut at FinovateEurope 2025.
Right here is our take a look at fintech innovation world wide.
Center East and Northern Africa
Industrial Financial institution of Dubai and Pay10 launched Open Finance providers beneath the UAE’s Open Finance Initiative, AlTareq.
Center East Economic system seemed on the potential for development within the Oman fintech market.
The Central Financial institution of Egypt (CBE) and the African Export-Import Financial institution (Afreximbank) inked a Memorandum of Understanding to determine a pan African Gold financial institution.
Central and Southern Asia
Paytm secured approval from the Indian central financial institution, RBI to develop its cost aggregator license to incorporate offline and cross-border transactions.
Freedom Financial institution Kazakhstan added eSIM providers to its Freedom SuperApp courtesy of a partnership with Boxo.
VEON’s Mobilink Microfinance Financial institution launched Islamic banking operations in Pakistan.
Latin America and the Caribbean
Ecuadorean transactional community COONECTA teamed up with BPC to deploy the SmartVisa platform throughout 90 credit score unions and 75 member establishments.
Worldwide IT options supplier JMR Infotech joined the Caribbean Affiliation of Banks (CAB) as a Service Member.
Zigi, the digital innovation unit of Guatemala’s Banco Industrial, expanded its partnership with core banking software program supplier Thought Machine.
Asia-Pacific
South Korea’s KakaoBank introduced a deepened partnership with Indonesian digital financial institution Superbank.
Mastercard launched its Open Finance Enterprise Options providing in Australia.
Singapore-based fintech Fingular opened a brand new hub in Malaysia and launched a brand new Good Restrict financing answer.
Sub-Saharan Africa
Tech in Africa reviewed 2025 funding developments for startups in Africa, noting Nigeria’s lead in fintech spending.
Zawya profiled South African SME lender Bridgement.
Disrupt Africa checked out how Nigerian fintech Pay4Me helps college students make worldwide funds.
Central and Japanese Europe
Lithuanian regtech iDenfy launched an automatic identification verification app for Shopify that triggers ID verification checks on high-risk orders.
Romania’s Banca Centrală Cooperatistă CREDITCOOP deployed Allevo’s FINTP-Prompt funds answer.
German financial savings and funding platform Raisin introduced plans to enter the US market in 2026.
Picture by Saj Shafique on Unsplash
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