Alan is a digital health insurance platform that revolutionizes health insurance by focusing on user experience with an excellent price-quality ratio health plan.

Alan started by creating a health insurance company for individuals and companies, that they can trust as a service and enjoy as an experience.

It is the first new independent insurance licensed in France since 1986 by the French Prudential Supervisory Authority (ACPR) and it has raised more than €86.5m with leading investors such as Index Ventures, DST Global, CNP Assurances, Partech, and Portag3 since its creation in 2016.

Monese provides instant on-demand UK current accounts and European IBAN accounts in 20 countries regardless of the customer's citizenship.

Monese's breakthrough technology can validate the identity of customers in real time enabling customers to open an account in a matter of minutes, using a mobile app

Revolutionizing banking for expats, digital nomads and new residents as ‘residency restrictions’ imposed by traditional high street banks are one of the single greatest barriers to accessing the banking system when arriving in a new country.

Monzo (previously Mondo), developers of a mobile banking application designed to offer banking services.

The company's application uses smartphone technology to update balances instantly, give intelligent notifications and track day-to-day financial transactions without any usage fees, enabling customers to get a graphical timeline of their overall expenditures and get control over their spending.

The company raised GBP 113 million of Series F venture funding in a deal led by Y Combinator on June 25, 2019. The funds will be used to start rolling out its products in the USA.

N26 offers mobile banking solutions to customers in the European Union through its subsidiary. It provides international money transfer, investment, overdraft, and cash withdrawal and deposit at stores.

The company's mobile banking services offers online banking that include making and handling of current accounts, fixed accounts and other banking services, enabling customers to manage and control their banking details via a smartphone application in a hassle free way.

The company raised $470 million of Series D2 venture funding in a deal led by Insight Partners on July 18, 2019.

OakNorth Bank is a UK bank for small and medium sized companies that provides business and property loans of £0.5-£50 million.

The bank invested in Bright Minds Daycare in December 2019, this investment was valued at £750K.

Onfido, developer of a verification platform intended to automate the identity verification process.

Deploying AI and using Government IDs and facial biometrics to ensure that IDs are a genuine match with the users presenting them. Onfido powers over 1,500 fintech, banking and marketplace clients globally—helping them onboard more users while reducing risk.

The company raised GBP 65.19 million of Series C2 venture funding in a deal led by Salesforce Ventures and SBI Investment in April 2019.

The funds will be used to consolidate the company's core market in the USA, accelerate expansion into high-growth regions including Europe and South-East Asia, as well as advance product development.

Raisan is a financial marketplace that provides customers with access to the profitable deposit rates across Europe.

The companys platform allows users the option to choose savings and investments products, ranging from overnight flexible savings to long-term deposits and other offers from dozens of institutions across Europe, enabling individuals and businesses to earn higher returns by depositing money in different countries with higher interest rates.

Revolut is digital banking application designed to help in global money transfer.

The application compares live exchange rates for multiple currencies and makes transfers directly to other's bank accounts, as well as helps its users to track and optimize their monthly expenses, buy and sell crypto currencies, enabling consumers to send, spend and exchange money instantly across a secured environment.

Previously, the company raised $250 million of Series C venture funding in a deal led by DST Global in April 2018, putting the company's pre-money valuation at $1.45 billion.

SolarisBank is the first banking-as-a-service platform with a full banking license, which enables companies to offer their own financial products.

The company's platform uses blockchain technology and provides an easy-to-integrate customizable platform for digital banking, card-based payment aggregation, consumer lending, SME lending, payments automation, virtual payments and KYC document verification, enabling businesses to create and customized their own digital banking portal for facilitating cashless and online mode of payments and customer engagement.

Tink is a cloud-based platform that provides the infrastructure and data products that are enabling the future of financial services.

The company offer products such as Account Aggregation, Payment Initiation, Data Enrichment and Personal Finance Management that can be used to develop standalone services or be integrated into existing banking applications. Its partners include ABN AMRO, BNP Paribas Fortis, Nordea, Klarna and SEB.

In June 2019, Tink received $11.3m strategic investment from PayPal to continue its expansion across Europe.

Today, Tink has more than 250 employees globally and is Europe’s leading open banking platform, enabling customers to connect to more than 2,500 banks in 14 markets including the UK, Sweden, France, Germany, and the Netherlands.

Apiax enables financial institutions to map existing regulatory requirements and quickly adjust changing licensing regimes for different legal entities. The uncertainties surrounding Brexit are increasing the need for efficient compliance solutions and Apiax believes it is well equipped to meet these challenges, as its solution enables financial institutions to map existing regulatory requirements and quickly adjust changing licensing regimes for different legal entities.

In March 2019, Apiax opened in London and hired former Financial Conduct Authority (FCA) expert on RegTech, Alan Blanchard. In May, Apiax joined the third cohort of Allen & Overy’s fuse accelerator to kickstart its business activities in the UK.

The Regtech was named early stage startup of the year at the Swiss FinTech Awards 2019.

Former UBS Chairman Peter Kurer acts as an investor and advisor to the firm.

Denmark'‘s ARYZE want to solve the UN’s Sustainable Development Goal Number 10 by lowering the global average cost of sending money abroad from 7.2 per cent to 3 per cent.

Their vision is to create a global infrastructure for e-money with prices fixed to its traditional counterparts

Backed by 283 investors from 15 different countries in a private token sale, ARYZE is a team of entrepreneurs, former bankers, marketing specialists and developers based in Copenhagen, Denmark. They bridge the gap between conventional money and digital currencies by creating a true digital representation of cash. ARYZE aims to provide payment infrastructure that enables individuals, businesses, and IOT devices to make instant payments globally in a modular ecosystem.

Built on distributed ledger technology, ARYZE features include:

• Zero transaction fees, and affordable currency exchange services
• Programmable money transfers, enabled by Smart contracts
• Digital Cash backed by government risk
• Enabling global commerce with an extensive financial solution designed for businesses
• Consumer app with support for crypto and FIAT currencies

Founded and advised by highly experienced industry ‘names’, BankiFi enables banks to go ‘beyond an open experience’ promise with relevant offerings to their client base in terms of time, location and context. Its data-driven distributed banking model allows financial service providers to manage, consume, distribute and monetise data through a suite of API driven micro services.

BankiFi and its solutions (ConsentBox, PocketTreasurer, PocketCollector, and PocketConsent) are offered as a managed service that can run either in a private or public cloud. This set of consumable services has been designed to store as little data as possible outside the bank environment. BankiFi combines the core strength of the bank – customer relationships and a regulated environment – with the fast, agile development skills of a robust FinTech partner.

This combination is a win on three counts: the bank gets new net income and offers its customers a relevant business experience, reduced risk and lower cost of R&D and integration. The FinTech community get an amazing developer experience and avoid the complexity of dealing with consent in their apps and thirdly the empowered customer has access to relevant services and full data control.

Bankifi operates out of the UK (Manchester) and the Netherlands (Amsterdam).

Created by challenger consultancy 11:FS, Foundry is a complete banking architecture that offers a modular, ledger-first set of components to deliver secure, digitally-native propositions quickly and to scale.

In October 2018, Norwegian bank DNB took 5% stake for $3M and increased its investment in June 2019.

11:FS Foundry aims to bring digital, personalised services and experiences to market far faster than traditional methods and at significantly less cost. It uses cloud-based technology and a modular approach, allowing customers to deploy an entire banking stack, or select services, depending on their strategy.

Foundry also claims to improve service development efficiency and deliver a lower total cost of ownership for digital services. It offers a higher level of IT security, based on a “zero-trust security” model, built to be encrypted and GDPR compliant.

Banks that have already invested in banking systems, or cannot easily build on their underlying infrastructure, can also use 11:FS Foundry to launch new digital offerings in a gradual and modular way.

Winner of this year’s NadiFin Accelerator, Gardenia Technologies improves companies' bottom-line and profitability through the use of proprietary advanced analytics and systematic working capital finance solutions.

Gardenia’s fully systematic, automated data-driven solutions provide finance along the entire supply chain lifecycle - and algorythms analyse transactional data to assess the actual risk in payments and underwrite financing decisions.

In July 2019, Gardenia Technologies was voted by its cohort peers as the winner of the 2019 NadiFin Acceleration Program, paving the way for a €100,000 investment from MiddleGame Ventures.

Globechain is a reuse marketplace that connects corporates to charities, smes and people to redistribute unneeded items, generating ESG data. Sectors Globechain focuses on include banking, retail and the construction industry. In 2013 May Al-Karooni set up Globechain after seeing a demand for a new online circular economy within the waste management industry after her own bank employer expressed a need to reuse items in a more collaborative way.

Globechain has over 10,000 members working with some of the world’s largest brands as well as growing a large network of charities nationally and internationally. Last year 5,100,000 kilos were diverted from landfill items being re distributed within the UK as well West Africa and Ukraine providing savings of over £2,000,000 to charitable causes.

Neufund’s mission is “enabling ownership for all” through making ownership more transparent, accessible and efficient. The Berlin start-up’s source set of protocols for enhanced ownership allows anyone to give real-world assets a representation on the Ethereum Blockchain in form of legally-binding security tokens.

The first application of the company’s tech and legal architecture are “Equity Tokens” which enable companies to conduct regulated offerings on Blockchain. Neufund advises governments on DLT regulation, supports open-source dev projects and educates financial communities around the world. Neufund’s mission is “Enabling ownership for all” through making ownership more transparent, accessible and efficient.

In December 2018 Neufund closed its first Equity Token Offering, becoming the world’s first issuance platform to host an offering of tokenized equity on Blockchain available to general public.

OKO creates and distributes crop insurance to smallholder farmers in emerging countries, helping them to secure their income. The service is accessible to anyone with a phone, and automates claim verification using satellite data and images.

In addition to insurance, farmers can benefit from weather alerts, farming tips and access to affordable micro-credit.

With 500 million unbanked smallholder farmers in the world, the market is worth $7.5 billion globally and it is growing at a rate of 20% per year.

Founded by Andrea Reynolds and Ciaran Burke, Swoop acts as a virtual CFO for SMEs, supporting them through the funding, saving and financial advice landscapes.

Swoop’s matching algorithm connects SMEs to suitable and viable options. Customers have their own financial dashboard to keep up to date on their financial and liquidity metrics and Swoop alerts them when they become eligible for new funds. Swoop commits to reducing the funding disparity between London and the rest of the UK, particularly for equity finance.

In June 2019, following an initial investment by Enterprise Ireland and NESTA (€1.5M), Swoop was awarded €5.6 million by the UK Banking Competition Remedies (BCR) – an independent body working on behalf of Royal Bank of Scotland (RBS). BCR aims to ensure RBS is continually promoting competition within banking, and fair access for SMEs to the banking services market, with funds becoming available when an alternative body can better deliver this goal...

At present, Swoop boasts over 1,000 funding providers on its active database, and has committed to onboarding 540,000 SMEs, approximately 15% of the business current account market.

Tully launched in April 2019 to help the UK’s consumer debt problem: specifically the 23 million people in who are worried about money. Tully uses Open Banking technology to give people a fast, accurate, realistic picture of their financial position in minutes – all done online and completely free.

Every user receives a personalised financial plan, tailored advice and the option to choose a flexible debt repayment plan that adjusts to the user’s financial situation every month.

Following a successful trial with E.ON Tully is rolling out across the business and is in the process of onboarding with HSBC, Monzo and Clearscore (amongst others). Earlier this year, Tully was selected by Nationwide as part of their Open Banking for Good programme.