The FinTech50

Co-founded by ICON's Nicky Cotter, The FinTech50 is an annual guide to some of the game-changing technologies across Europe and beyond who are redefining the future of finance

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The FinTech50 2019:

  • Mosaic Smart Data

    GB

    Mosaic Smart Data

    Data Analytics

    The FinTech50:

    Mosaic Smart Data

    Mosaic Smart Data delivers the insight and real-time intelligence that FICC market participants need to increase business opportunities and meet regulatory requirements.

    Financial institutions are facing a challenging period in the FICC markets, largely as a result of the constraints from new regulatory initiatives, high fixed costs and a fragmented market structure.

    Developer of a data analytics platform designed to harness and analyse trading activity and interactions data. The company's data analytics platform provides granular insight and analysis of client trading flows around core metrics which, include product, instrument and venue to effectively monitor trading behaviour, enabling financial institutions to harness their data intelligently to predict and service their client needs.

    The company raised $9 million of Series A venture funding in a deal led by CommerzVentures and Octopus Ventures on April 16, 2019. JPMorgan Chase also participated in the round.

    Company

    Mosaic Smart Data

    Key people

    CEO & Founder: Matthew Hodgson

    Founded

    2014

    Funding

    Latest Funding: $9M Series B - April 2019: CommerzVentures, Octopus Ventures, JP Morgan Chase

    HQ

    London, UK
    GB

    Sector

    Data Analytics

  • Tokeny

    LU

    Tokeny

    Asset Management, Tokenization, ICO, Capital Markets

    The FinTech50:

    Tokeny

    Tokeny have developed an end-to-end tokenization platform to issue, manage and transfer securities on the blockchain.

    Their platform enables mid-cap companies, investment banks, funds, asset managers and distributors to dematerialize assets on the blockchain, allowing for the issuance, transfer and servicing management of tradable digital assets/security tokens, such as tokenized loans, structured notes, equity and funds.

    Tokeny was founded in 2017 and has issued multiple tokenized offerings across five continents with further security offerings imminent.

    Company

    Tokeny

    Key people

    Founders: Luc Falempin, Daniel Coheur

    Founded

    2017

    Funding

    Total funding: €5M; Latest funding: €5M, Series A, July 2019 - Euronext

    HQ

    Luxembourg
    LU

    Sector

    Asset Management, Tokenization, ICO, Capital Markets

    Website

    okeny.com

  • Onfido

    GB

    Onfido

    Compliance, Risk, Regulation

    The FinTech50:

    Onfido

    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.

    Company

    Onfido

    Key people

    CEO: Husayn Kassai; Founders: Husayn Kassai, Eamon Jubbawy, Ruhul Amin

    Founded

    2012

    Funding

    Latest Funding: $50M Series C, April 2019; Total Funding: $110.3M - Lead Investors: Augmentum, SoftBank

    HQ

    London, UK
    GB

    Sector

    Compliance, Risk, Regulation

    Website

    onfido.com/gb

  • Cytora

    GB

    Cytora

    Insurance, underwriting, AI

    The FinTech50:

    Cytora

    Cytora founded in 2014 transforms underwriting for commercial insurance. The Cytora Risk Engine uses artificial intelligence to learn the patterns of different risks and loss outcomes over time and computes a rank, score and price for every property and organization, enabling insurers to target the most profitable risks, improve risk selection and pricing as well as deliver fairer prices to their customers.

    The company raised GBP 25 million of Series B venture funding in a deal led by EQT Ventures on April 16, 2019. Parkwalk Advisors, Adfisco and Cambridge Innovation Capital also participated in the round.

    Company

    Cytora

    Key people

    Founders: Aeneas Wiener, Andrzej Czapiewski, Joshua Wallace, Richard Hartley

    Founded

    2019

    Funding

    Total funding: $41.4M; Latest funding: $25M, Series B, April 2019 - EQT Ventures, Cambridge Innovation Capital, Parkwalk Advisors

    HQ

    London, UK
    GB

    Sector

    Insurance, underwriting, AI

    Website

    cytora.com

  • N26

    DE

    N26

    Banking

    The FinTech50:

    N26

    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.

    Company

    N26

    Key people

    CEO: Valentin Stalf; CEO N26 Bank: Markus Gunter; Founders: Valentin Stalf, Maximilian Tayenthal

    Founded

    2013

    Funding

    Total Funding: $682.8M; Latest Funding: $170M Series D, Jul 2019

    HQ

    Berlin, Germany
    DE

    Sector

    Banking

    Website

    n26.com/en-gb

  • Alan

    FR

    Alan

    Digital Health Insurance

    The FinTech50:

    Alan

    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.

    Company

    Alan

    Key people

    Founders: Charles Gorintin, Jean-Charles Samuelian

    Founded

    2016

    Funding

    Total funding: $86.5M; Latest funding: €40M, Series B, Feb 2019 - Index Ventures

    HQ

    Paris, France
    FR

    Sector

    Digital Health Insurance

    Website

    alan.com

  • Monese

    GB

    Monese

    Digital Banking, Financial Inclusion

    The FinTech50:

    Monese

    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.

    Company

    Monese

    Key people

    Founder/CEO: Norris Koppel

    Founded

    2013

    Funding

    Total Funding: $80.4M; Latest Funding: $2.5M, Venture round, June 2019 - Augmentum Fintech

    HQ

    London, UK
    GB

    Sector

    Digital Banking, Financial Inclusion

    Website

    monese.com

  • Tractable

    GB

    Tractable

    Insurtech, AI, Machine Learning

    The FinTech50:

    Tractable

    Tractable develops artificial intelligence for accident and disaster recovery.

    The company's deep learning automation platform automates visual damage appraisal by looking at photos of damage and predicting repair costs. Tractable provides its AI to the largest insurers worldwide, helping to settle claims quickly and efficiently, which in turn impacts livelihoods.

    Tractable's AI solutions have processed over $1 billion in auto insurance claims, across Europe, North America and Asia.

    Company

    Tractable

    Key people

    Founders: Adrien Cohen, Alexandre Dalyac, Razvan Ranca

    Founded

    2014

    Funding

    Total funding: $43.65M; Latest funding: $25M - Series B, July 2018 - Insight Partners

    HQ

    London, UK
    GB

    Sector

    Insurtech, AI, Machine Learning

    Website

    ractable.ai

  • Comply advantage

    GB

    Comply advantage

    AML, Compliance, RegTech

    The FinTech50:

    Comply advantage

    ComplyAdvantage provide data intelligence to help firms understand the risk of who they’re doing business with, while automating compliance and risk processes.

    The company's platform provides real-time insights into the risk of companies globally and changes how companies assess who they're doing business with, while automating compliance and risk processes, enabling firms make intelligent risk decisions faster. ComplyAdvantage’s suite of plug-and-play configurable cloud services seamlessly integrate to help automate and comply with Sanctions, AML and CTF regulations.

    Company

    Comply advantage

    Key people

    CEO / Founder: Charles Delingpole

    Founded

    2014

    Funding

    Total funding: $38.2M; Latest funding: $30M, Series B, Jan 2019 - Index Ventures, Balderton Capital

    HQ

    London, UK
    GB

    Sector

    AML, Compliance, RegTech

  • ClearBank

    GB

    ClearBank

    Banking as a service, payment processing, core banking

    The FinTech50:

    ClearBank

    Operator of a clearing bank intended to facilitate a new level of open competition and transparency. The company's clearing banking system offers a core banking platform and helps in liquidity management and transaction analysis, enabling businesses and individual customers to move money between different accounts and clear cheques via any authorized UK payment system.

    ClearBank received GBP 60 million of grant funding from Banking Competition Remedies on February 22, 2019.

    Company

    ClearBank

    Key people

    Executive Chairman / Founder: Nick Ogden; CEO: Charles McManus

    Founded

    2016

    Funding

    Total funding: $138m; Latest funding: $60m Grant, Feb 2019: Capability & Innovation Fund

    HQ

    London, UK
    GB

    Sector

    Banking as a service, payment processing, core banking

    Website

    clear.bank/home

  • solarisBank

    DE

    solarisBank

    Open Banking, API Accessible banking platform

    The FinTech50:

    solarisBank

    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.

    Company

    solarisBank

    Key people

    CEO: Roland Folz; Founders: Andreas Bittner, Marko Wenthin

    Founded

    2016

    Funding

    Total funding: €95.1M; Latest funding: €56M Series B March 2018, Lead Investors: BBVA, SBI Group

    HQ

    Berlin, Germany
    DE

    Sector

    Open Banking, API Accessible banking platform

    Website

    olarisbank.de

  • Zego

    GB

    Zego

    Insurance

    The FinTech50:

    Zego

    Zego is a global insurtech business providing flexible commercial insurance for businesses and professionals.

    The company's platform provides pay-as-you-go insurance for drivers and riders who work flexibly with their own vehicles, providing mobility service providers with a range of policies from minute-by-minute insurance to annual covers, thereby providing more flexibility than traditional insurers, with pricing based on usage data from vehicles.

    In June 2019 Zego raised $42M (total funding of $51M since 2016) to continue expansion across Europe.

    Company

    Zego

    Key people

    Founders: Harry Franks (CEO), Sten Saar, Stuart Kelly

    Founded

    2016

    Funding

    Total Funding: $51.7M; Latest Funding: $42M Series B June 2019 - Balderton Capital, Tom Stafford (DST Global) and Latitude

    HQ

    London, UK
    GB

    Sector

    Insurance

    Website

    zego.com

  • Salary finance

    GB

    Salary finance

    Employee finance

    The FinTech50:

    Salary finance

    Salary Finance is on a mission to help millions of people across the globe live happier, healthier financial lives.

    The company's platform partners with employers to offer financial wellness solutions, financial education and salary-linked savings and loans, helping employees to improve their lives by improving their finances. By helping employees manage debt, build a savings habit and access earned pay, they have created a more accessible alternative to traditional financial services providers.

    In April 2019 Salary Finance completed a $32.8M series C funding, led by existing investors Blenheim Chalcot and Legal and General.

    Company

    Salary finance

    Key people

    Founders: Asesh Sarkar, Dan Cobley, Daniel Shakhani

    Founded

    2015

    Funding

    Total funding: $111.8M; Latest funding: $32.8M, Series C April 2019 - Legal & General, Blenheim Chalcot

    HQ

    London, UK
    GB

    Sector

    Employee finance

  • Eigen

    GB

    Eigen

    AI / NLP / Qualitative Data

    The FinTech50:

    Eigen

    Based in London and New York, Eigen is a research-led artificial intelligence company whose mission is to help individuals and organisations make the right decisions by unlocking the value of their qualitative data.

    Eigen automates the extraction and classification of information from documents. Its simple, flexible Natural Language Processing (NLP) technology accurately extracts information from diverse types of documents at scale and can be integrated into clients’ workflows. The start-up uses state-of-the-art machine learning algorithms to recognize patterns in text and give accurate answers to unique questions. This enables clients to use data in new ways to make the right business decisions: driving down costs, finding opportunities, calculating risks, and meeting regulatory requirements. Clients include leading names in finance, law, and professional services.

    Company

    Eigen

    Key people

    Founders: Jonathan Feuer, Lewis Z Liu

    Founded

    2014

    Funding

    Total funding: $17.5M; Latest funding: $17.5M, Series A, Jun 2018 - Goldman Sachs, Principal Strategic Investments, Temasek

    HQ

    London, UK
    GB

    Sector

    AI / NLP / Qualitative Data

    Website

    eigentech.com

  • Featurespace

    GB

    Featurespace

    Adaptive Behavioural Analytics

    The FinTech50:

    Featurespace

    Featurespace is the world-leader in Adaptive Behavioural Analytics and creator of the ARIC™ platform, a machine learning software system.

    The ARIC™ platform uses anomaly detection to analyse complex behavioural data in real time, spotting anomalies to block new fraud attacks as they occur. At the same time, Featurespace recognises genuine customers without blocking their activity. ARIC™ reduces the number of genuine transactions incorrectly identified as fraud by over 70%, enabling businesses to accept more revenue.

    Featurespace has deployed the ARIC™ platform to organisations that have services or products deployed in over 180 countries. Customers include Betfair, Vocalink/Zapp, Worldpay, and TSYS, the largest third-party processor of Visa® and MasterCard® credit cards in the U.S.

    Company

    Featurespace

    Key people

    CEO: Martina King; Founders: Bill Fitzgerald, David Excell

    Founded

    2012

    Funding

    Total funding: $71.2M; Recent funding: $32.6M Venture Jan 2019

    HQ

    London, UK
    GB

    Sector

    Adaptive Behavioural Analytics

  • Chainalysis

    DK

    Chainalysis

    Blockchain, AML, bitcoin, trust

    The FinTech50:

    Chainalysis

    Chainalysis designs and develops anti-money laundering software for Bitcoin businesses. Its products include REACTOR, an interactive and investigation tool that identifies offenders, visualizes data, and shares results with people and organizations, and API, a transaction based risk scoring solution that contains source and destination of funds to measure risk.

    The company's software offers transfer of value over the Internet and new methods of data analysis, visualization and actionable intelligence to protect the integrity of cryptocurrency transactions, enabling financial institutions to interact with businesses that transact on the blockchain and meet compliance requirements.

    Jan Moller, Jonathan Levin, and Michael Gronager founded Chainalysis in 2014. It has its headquarters in New York City with an additional office in Copenhagen in Denmark.

    Company

    Chainalysis

    Key people

    Founders: Jan Moller, Michael Gronager, Jonathan Levin

    Founded

    2014

    Funding

    Latest funding: Feb 2019 $30M / April 2019 $6M; Total funding: $53.6M

    HQ

    Copenhagen, Denmark
    DK

    Sector

    Blockchain, AML, bitcoin, trust

    Website

    chainalysis.com

  • Clearmatics

    GB

    Clearmatics

    Blockchain

    The FinTech50:

    Clearmatics

    Clearmatics is developing next-generation clearing machines for financial OTC markets. Its blockchain platform brings together custodians and end-users on a single platform, where members can settle securities trades and automate the performance of derivatives and other financial contracts using Clearmatics’ Decentralised Clearing Network (DCN) technology.

    Company

    Clearmatics

    Key people

    CEO & Founder: Robert Sams

    Founded

    2015

    Funding

    Total funding: $13.3M; Latest funding: $12M, Series A - Oct 2018

    HQ

    London, UK
    GB

    Sector

    Blockchain

    Website

    clearmatics.com

  • Revolut

    GB

    Revolut

    Digital Banking, peer to peer payments, currency exchange

    The FinTech50:

    Revolut

    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.

    Company

    Revolut

    Key people

    Founders: Nikolay Storonsky (CEO), Vlad Yatsenko

    Founded

    2015

    Funding

    Total Funding: $336.4M; Latest Funding: Venture round, March 2019

    HQ

    London, UK
    GB

    Sector

    Digital Banking, peer to peer payments, currency exchange

    Website

    revolut.com

  • Railsbank

    GB

    Railsbank

    Open-Banking, API platform

    The FinTech50:

    Railsbank

    Founded in 2015, RailsBank is a BaaS banking and compliance platform designed to connect a global network of partner banks with businesses who want API access to global banking.

    The platform simplifies on-boarding services and offers access to services such as creating digital ledgers, connecting digital ledgers to real bank accounts, issuing IBANs for ledgers, receiving money, sending money, converting money (FX), collecting money (direct debit), issuing cards and managing credit via the API, enabling banks and business customers to transact business digitally and in a compliant way.

    In September 2019 a deal led by Moneta Capital for $10 million of a Series A venture funding will be used to further expand beyond Europe, including the U.S., Australia and South East Asia.

    Company

    Railsbank

    Key people

    Founders: Nigel Verdon (CEO), Clive Mitchell (COO)

    Founded

    2016

    Funding

    Total Funding: $14.4M; Latest Funding: $10m - Series A, September 2019

    HQ

    London, UK
    GB

    Sector

    Open-Banking, API platform

    Website

    railsbank.com

  • Form3

    GB

    Form3

    Payments

    The FinTech50:

    Form3

    Form 3 Financial Cloud delivers cloud-based connectivity, payment processing, clearing and settlement services.

    Its clients include a wide range of regulated financial institutions, including leading banks, non-bank financial institutions, and fintech companies (payment institutions, e-money providers, and pre-paid card providers).

    Partnerships with Pockit to give their 500,000 UK customers access to faster payments.

    Company

    Form3

    Key people

    Founders: Michael Mueller

    Founded

    2016

    Funding

    Total funding: $24.3M over three rounds; Latest funding: $6.25M grant in June 2019 from Capability & Innovation Fund. Equity investors include Draper Esprit, Barclays and Angel CoFund

    HQ

    London, UK
    GB

    Sector

    Payments

    Website

    form3.tec

  • Modulr

    GB

    Modulr

    Payments

    The FinTech50:

    Modulr

    Modulr is the Payments as a Service API platform for digital businesses. It integrates into any product or system.

    Modulr’s new type of payment accounts are built for businesses that need a faster, easier and more reliable way to move money. Once integrated, businesses can instantly set up as many accounts as they need. Getting paid, reconciling and making payments is fully automated and can be managed in real-time, 24/7 through their existing software applications.

    Company

    Modulr

    Key people

    Founders: Myles Stephenson, Ritesh Tendulkar

    Founded

    2015

    Funding

    Total funding: $43.15M; Latest funding: $12.5M, Grant - Capability % Innovation Fund, August 2019

    HQ

    London, UK
    GB

    Sector

    Payments

  • Nivaura

    GB

    Nivaura

    Blockchain, compliance

    The FinTech50:

    Nivaura

    Provider of an online document management platform intended to automate legal and regulatory documents.

    The company's platform automates legal and regulatory document structuring, marketing, distribution, execution, clearing, settlement and administration, enabling banks, brokers, exchanges and funds to drive automation, compliance and improved client experience.

    The company joined Tech Nation as a part of Fintech 2.0 cohort program on September 5, 2019.

    Company

    Nivaura

    Key people

    CEO: Avtar Sehra; Founder: Dr Avtar Sehra

    Founded

    2016

    Funding

    Total Funding: $20M; Latest Funding: $20M seed - March 2019

    HQ

    London, UK
    GB

    Sector

    Blockchain, compliance

    Website

    nivaura.com

  • Previse 01 1024x660

    GB

    Previse 01 1024x660

    Payments

    The FinTech50:

    Previse 01 1024x660

    Previse, provider of a financial platform designed to analyse contract payments of various entities utilizing artificial intelligence.

    The company's platform uses advanced machine learning tools and numerous data points to determine how likely a corporate buyer will be to eventually pay a supplier's invoice, enabling the SMEs to receive a credit score including banks and asset managers, so that they can pay the supplier on the buyer's behalf based on the credit score.

    Previse has pioneered algorithm-driven invoice payment decisions.

    Company

    Previse 01 1024x660

    Key people

    CEO & Founder: Paul Christensen

    Founded

    2016

    Funding

    Latest Investment: $1M grant Jan 2018 / Lead Investor: Hambro Perks / Scottish Enterprise

    HQ

    London, UK
    GB

    Sector

    Payments

    Website

    revi.se

  • Farewill

    GB

    Farewill

    Online wills

    The FinTech50:

    Farewill

    Farewill is a digital, all-in-one financial and legal services platform for dealing with death. The company offers an online personalized will-writing, will management and probate services enabling clients to manage their wills online using simple and affordable digital tools through round-the-clock customer service operations.

    The company raised GBP 7.68 million of Series A venture funding from dmg ventures, M&C Saatchi and Augmentum (London) on January 14, 2019, putting the company's pre-money valuation at GBP 11.74 million. It is backed by the founders of Zoopla and Wonga, along with Kindred Capital and M&C Saatchi.

    Company

    Farewill

    Key people

    Founders: Dan Garrett, Tom Rogers

    Founded

    2015

    Funding

    Total funding: £8M; Latest funding: £7.5M, Venture round, Jan 2019

    HQ

    London, UK
    GB

    Sector

    Online wills

    Website

    farewill.com

  • Hqla

    LU

    Hqla

    Payments

    The FinTech50:

    Hqla

    The implementation of new bank regulations for liquidity, mandatory clearing, and margin requirements for OTC derivatives have caused a significant increase in demand for High Quality Liquid Assets (HQLAs).

    The vision behind HQLAx is to provide market participants with a platform that helps improve collateral fluidity by creating a new, more efficient, more transparent and more cost effective marketplace for liquidity transfers.

    Company

    Hqla

    Key people

    Founders: Guido Stroemer (CEO), Olly Benkert

    Founded

    2016

    Funding

    Total funding: €10M; Latest funding: €10M, corporate round, Aug 2018 - Deutsche Boerse

    HQ

    Luxembourg
    LU

    Sector

    Payments

    Website

    qla-x.com

  • Cuvva

    GB

    Cuvva

    Insurance

    The FinTech50:

    Cuvva

    Cuvva provides insurance services designed to connect customers directly with insurers. The company's services offer an application based, pay-as-you-drive and motor insurance platform offering comprehensive cover within minutes and 24/7 customer support, enabling users to use a new kind of insurance which is fast, easy and friendly.

    The company raised GBP 15 million of Series A venture funding from LocalGlobe, Tekton Ventures and Seedcamp on December 3, 2019

    Company

    Cuvva

    Key people

    Founders: James Billingham, Freddy Macnamara (CEO)

    Founded

    2014

    Funding

    Total funding: $17.7M; Latest funding: $15M Series A Dec 2019 Local Globe, Tekton Ventures, Seedcamp

    HQ

    London, UK
    GB

    Sector

    Insurance

    Website

    cuvva.com

  • Pleo

    DK

    Pleo

    Smart payment cards for employees

    The FinTech50:

    Pleo

    Pleo offers an all-in-one business spending platform intended to simplify the business expense process.

    The platform provides smart company cards paired with software and mobile apps to automatically match receipts and track all company spending in real-time with detailed analytics, it also eliminates expense reports and automates bookkeeping tasks as it integrates directly with accounting software providers, enabling companies to save time and money.

    In May 2019 a deal led by Stripes Group raised $56 million of series B venture funding to be used to expand more than triple its headcount by the end of 2020 and to accelerate product development as it aims to service the entire purchase process for SMEs across the whole of Europe.

    Company

    Pleo

    Key people

    Founders: Jeppe Rindom, Niccolo Perra

    Founded

    2015

    Funding

    Total funding: $78.3M; Latest funding: $56M, Series B, May 2019

    HQ

    Copenhagen, Denmark
    DK

    Sector

    Smart payment cards for employees

    Website

    leo.io

  • Minna

    SE

    Minna

    Payments

    The FinTech50:

    Minna

    The world's leading subscription management platform.

    Minna Technologies are building a platform that can manage any kind of subscription, meaning that you can cancel you phone subscription or gym membership with a single click.

    Minna raised $6.2M to expand subscription management for European Banks in May 2019.

    Company

    Minna

    Key people

    Founders: Joakim Sjöblom, Jonas Karles, Marcus Lönnberg

    Founded

    2014

    Funding

    Total funding: $6.2M; Latest funding: $6.2M, Series A, May 2019 - Zenith Group, Visa and Swedbank

    HQ

    Gothenburg, Sweden
    SE

    Sector

    Payments

  • Azimo

    GB

    Azimo

    Money transfer, Remittances, Financial inclusion

    The FinTech50:

    Azimo

    Developer of an online platform designed to provide a better way to transfer money around the world.

    Azimo is created with the explicit mission of cutting the costs of sending money home. Its international money transfer platform allows to send money either to a bank account or to over 270,000 cash pick-up points around the world and is accessible via mobile devices to send money to over 190 countries from any internet-connected device in a secure and efficient manner.

    Company

    Azimo

    Key people

    CEO: Richard Ambrose; Founder(s): Ricky Knox, Michael Kent, Marta Krupinska

    Founded

    2012

    Funding

    Total funding: $66M; Latest funding: $20M Series C May 2018

    HQ

    London, UK
    GB

    Sector

    Money transfer, Remittances, Financial inclusion

    Website

    azimo.com

  • Arab

    DE

    Arab

    ESG investing / sustainability / machine learning / Big Data

    The FinTech50:

    Arab

    Provider of asset management services intended to make sustainable investments attractive and available to all investors. The company's services provide self-learning quant models and big data to assess the performance and sustainability of globally listed companies, enabling investors to make proper and informed investments.

    Through machine learning and big data, Arabesque S-Ray systematically combines over 200 environmental, social, and governance (ESG) metrics with news signals from over 50,000 sources across 15 languages.

    It is the first tool of its kind to rate companies on the normative principles of the United Nations Global Compact: Human Rights, Labor Rights, the Environment, and Anti-Corruption (GC Score).

    Company

    Arab

    Key people

    CEO: Andreas Feiner

    Founded

    2017

    Funding

    Total funding: $20M; Latest funding: $20M Series A, Jan 2019 - Allianz X, Land Hessen, Commerz Real AG and DWS Group

    HQ

    Frankfurt, Germany
    DE

    Sector

    ESG investing / sustainability / machine learning / Big Data

  • Thought Machine

    GB

    Thought Machine

    Core Banking, Retail Banking System

    The FinTech50:

    Thought Machine

    Thought Machine is a UK-based growth stage technology company which builds cloud native technology for banks.

    The company's cloud-based technology platform provides Vault OS that runs in the cloud providing a secure, fast, reliable end to end banking systems, capable of managing users, accounts, savings, loans, mortgages, sophisticated financial products and can configure any type of loan or deposit account, thereby providing banking institutions with a software as a service platform to scale from one customer to tens of millions without having to incur any hard costs.

    Thought Machine became a Google Cloud Partner in November 2019.

    Company

    Thought Machine

    Key people

    Founder/CEO: Paul Taylor

    Founded

    2014

    Funding

    Total funding: $22.3M; Latest funding: $22.8M Series A, Nov 2018 - Lloyd Banking Group

    HQ

    London, UK
    GB

    Sector

    Core Banking, Retail Banking System

    Website

    oughtmachine.ne

  • Calastone

    GB

    Calastone

    Trading

    The FinTech50:

    Calastone

    Calastone is an independent, cross-border transaction network for the mutual fund industry. The company is the largest global funds transaction network, connecting many of the world’s leading financial organisations.

    Their mission is to make funds accessible to everyone by reducing the frictional cost of trading. They use smart technology solutions and industry collaboration to lower operational risk and enhance client profitability through digitisation and automation.

    Over 1,700 customers in 40 countries and territories benefit from Calastone’s services, processing over 9 million messages and £170 billion of transactions each month.

    Company

    Calastone

    Key people

    CEO: Julien Hammerson; Founders: Kevin Lee, Ian Taylor, Philip Goffin

    Founded

    2011

    Funding

    Total funding: $22.8M; Latest funding: Venture October 2013

    HQ

    London, UK
    GB

    Sector

    Trading

    Website

    calastone.com

  • Starling

    GB

    Starling

    Digital bank, business bank

    The FinTech50:

    Starling

    Starling Bank provides a mobile banking application and a debit card that enable users to manage their finances.

    The company's platform offers commercial banking services that can be managed with a mobile device, including real-time spending intelligence, personalization of services and same-day payment service that transformed electronic money, enabling depositors to transact in a paperless and branchless manner.

    In Oct 2019, the company raised £30 million of venture funding in a deal led by Merian Chrysalis. Existing investor JTC also participated in the round.

    The funding will enable Starling to accelerate its expansion into Europe and build on its rapid success: since launching its app in May 2017, Starling has opened one million accounts.

    Company

    Starling

    Key people

    CEO & Founder: Anne Boden

    Founded

    2014

    Funding

    Total Funding: $280m; Latest Funding: $39M Series C - Merian Chrysalis & JTC

    HQ

    London, UK
    GB

    Sector

    Digital bank, business bank

    Website

    arlingbank.com

  • PensionBee

    GB

    PensionBee

    Pensions

    The FinTech50:

    PensionBee

    PensionBee has developed an online platform that provides pension plans, pension management and employment history, enabling their customer to track various pension plans and make investment decisions accordingly.

    Its features allow customers to track the pension progress and includes a pension calculator to set retirement goals and add new contributions.

    Company

    PensionBee

    Key people

    Founders: Romi Savova (CEO), Jonathan Lister

    Founded

    2015

    Funding

    Latest Funding: Venture round, Dec 2017

    HQ

    London, UK
    GB

    Sector

    Pensions

    Website

    ensionbee.com

  • Habito

    GB

    Habito

    Online Mortgages

    The FinTech50:

    Habito

    Provider of a digital mortgage platform offering mortgage products from a range of over 90 lenders. The digital mortgage broker has helped over 180,000 homebuyers to source a mortgage or switch to a better rate.

    The company's platform makes use of chatbot interfaces and machine learning designed to make the process more efficient, enabling consumers to find the suitable deals for themselves in order to choose lowest to highest monthly payments and to apply for mortgages and avoid overpaying of interest rates and monthly cost.

    Company

    Habito

    Key people

    CEO & Founders: Daniel Hegarty

    Founded

    2015

    Funding

    Latest Funding as of Dec 2019, £19.5M Series B from Augmentum FinTech, other investors include Atomico, Mosaic, Ribbit. Total Funding to date: £46.15M

    HQ

    London, UK
    GB

    Sector

    Online Mortgages

    Website

    abito.com

  • IDnow

    DE

    IDnow

    Identity Management

    The FinTech50:

    IDnow

    IDnow provides advanced machine-learning technology for its Identity-as-a-Service platform that can verify identities in real time. The company's solutions guarantee legal security throughout Europe and the highest level of data security. The company provides a legally secure solution without additional hardware in the area of video identification of customers and electronic signatures.

    Its customer portfolio includes renowned firms such as Commerzbank, UBS, Sixt neuwagen, Telefónica, and N26.

    The company raised EUR 36 million of venture funding in a deal led by Corsair Capital on November 8, 2019. Plug and Play Tech Center also participated in the round.

    Company

    IDnow

    Key people

    Founders: Armin Bauer, Dennis von Ferenczy, Felix Haas, Sebastian Baerhold; CEO: Andreas Bodczek

    Founded

    2014

    Funding

    Total funding: $40M; Latest Funding: Series C, Oct 2019 - Corsair Capital, Plug and Play

    HQ

    Munich, Germany
    DE

    Sector

    Identity Management

    Website

    idnow.eu

  • Tessian

    GB

    Tessian

    AI, Cyber Security, Email, Machine Learning

    The FinTech50:

    Tessian

    Tessian provides a next-generation email security platform designed to detect and prevent inadvertent data loss.

    Their technology system uses machine learning to eliminate the huge security vulnerabilities surrounding enterprise email including spear phishing and misdirected emails. By analysing historical email data in order to understand the context of human relationships and communication and by knowing what normal email activity looks like, it can automatically detect any anomalies that may imply a security threat.

    Tessian serves a global customer base across the legal, financial, technology and healthcare sectors. Clients include international law firms Clifford Chance and Dentons, financial institutions Schroders and Investec and FTSE 100 company Rightmove.

    In Jan 2019, they raised $42M in a series B funding, led by Sequoia, with participation from Latitude and existing investors Balderton Capital and Accel.

    Company

    Tessian

    Key people

    Founders: Edward Bishop, Thomas Adams, Tim Sadler

    Founded

    2013

    Funding

    Total funding: $58.7M; Latest funding: Venture round, Jan 2019

    HQ

    London, UK
    GB

    Sector

    AI, Cyber Security, Email, Machine Learning

    Website

    essian.com

  • Raisin

    DE

    Raisin

    Savings, Investment marketplace

    The FinTech50:

    Raisin

    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.

    Company

    Raisin

    Key people

    CEO: Tamaz Georgadze; Founders: Tamaz Georgadze, Frank Freund, Michael Stephan

    Founded

    2013

    Funding

    Total Funding: $206M; Latest Funding: $28M, Venture Round - July 2019, Goldman Sachs

    HQ

    Berlin, Germany
    DE

    Sector

    Savings, Investment marketplace

    Website

    raisin.com

  • Clearscore

    GB

    Clearscore

    Credit Reporting, Financial Wellbeing

    The FinTech50:

    Clearscore

    ClearScore is one of the leading FinTech businesses in the UK. They want to help everyone make better financial decisions, starting with free access to their credit score and report. They have over 6 million users, are the UK’s no.1 credit checking service and are rapidly expanding.

    The company's credit scores and reports help users to consolidate their personal debts and repay them via a low-interest, fixed-rate loan, enabling them to plan better for the future and make more informed and responsible decisions about how they manage their debt.

    Company

    Clearscore

    Key people

    Founders: Justin Basini (CEO), Dan Cobley, Nigel Morris

    Founded

    2014

    Funding

    Latest funding: Venture February 2017

    HQ

    London, UK
    GB

    Sector

    Credit Reporting, Financial Wellbeing

    Website

    clearscore.com

  • Bunq

    NL

    Bunq

    Mobile banking

    The FinTech50:

    Bunq

    Netherlands-based neobank, Bunq, developer of a banking system designed to offer a clean alternative to traditional banking.

    Immediate access from a mobile device individuals can setup dedicated bank accounts, request their money back for something they paid upfront for and use one card for multiple bank accounts, enabling businesses to offer debit cards to their employees for them to make real-time payments or turn their smartphones into a mobile contactless payment terminal.

    Bunq promotes itself as being “sustainable by default”, because they only invest ethically.

    Company

    Bunq

    Key people

    CEO & Founder: Ali Niknam

    Founded

    2013

    Funding

    Total funding: $44.9M; Latest funding: $10M Seed Round Dec 2018

    HQ

    Amsterdam, Netherlands
    NL

    Sector

    Mobile banking

    Website

    bunq.com

  • Monzo

    GB

    Monzo

    Digital Banking

    The FinTech50:

    Monzo

    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.

    Company

    Monzo

    Key people

    CEO: Tom Blomfield; Founders: Tom Blomfield, Gary Dolman, Paul Rippon, Jonas Huckestein, Jason Bates

    Founded

    2015

    Funding

    Total Funding: £324.7M; Latest Funding: £113M June 2019, Series F

    HQ

    London, UK
    GB

    Sector

    Digital Banking

    Website

    monzo.com

  • Cloudmargin

    GB

    Cloudmargin

    collateral management

    The FinTech50:

    Cloudmargin

    CloudMargin was formed in 2014, inspired by the power of new technology and driven by the belief that existing collateral management solutions were over-priced, inefficient, and inaccessible, the founders decided to change things for the better.

    Their risk management system is an automated platform that offers real-time reports on all collateral positions, enabling financial institutions to meet time-critical regulatory deadlines and reduce costs associated with collateral requirements.

    Company

    Cloudmargin

    Key people

    CEO: Stuart Connolly

    Founded

    2014

    Funding

    Total funding: $10M; Latest funding: $10M, Venture round, April 2018 - LVC, Illuminate Financial, IHS Markit, Jefferies

    HQ

    London, UK
    GB

    Sector

    collateral management

    Website

    cloudmargin.com

  • Tink

    SE

    Tink

    Open Banking

    The FinTech50:

    Tink

    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.

    Company

    Tink

    Key people

    Founder(s): Daniel Kjellén (CEO), Fredrik Hedberg

    Founded

    2012

    Funding

    Total investment: $90.5M
    Latest investment: May 2019 $11.3M Corporate Round - Paypal Ventures

    HQ

    Stockholm, Sweden
    SE

    Sector

    Open Banking

    Website

    ink.com

  • TrueLayer

    GB

    TrueLayer

    Open Banking / Faster payments / PSD2

    The FinTech50:

    TrueLayer

    TrueLayer provides a platform to build financial apps that connect to bank data, verify accounts, and access transactions in real time.

    The company's platform helps companies to securely and efficiently access their customers' bank accounts to share financial data, make payments and validate their identity, enabling companies to initiate payments directly from user's bank account and offer frictionless payments without interrupting the user experience.

    TrueLayer had raised $35M Series C in June 2019, led by Tencent and Tamasek, with participation from Northzone, Anthemis and Visa.

    In October 2019, the company announced a strategic and commercial relationship with Visa.

    Company

    TrueLayer

    Key people

    Founders: Francesco Simoneschi (CEO), Luca Martinetti

    Founded

    2016

    Funding

    Total Funding: $46.8M; Latest Funding: $35M SeriesC - June 2019

    HQ

    London, UK
    GB

    Sector

    Open Banking / Faster payments / PSD2

    Website

    ruelayer.com

  • OakNorth

    GB

    OakNorth

    Lending / Debt Finance for fast-growth businesses

    The FinTech50:

    OakNorth

    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.

    Company

    OakNorth

    Key people

    Founders: Rishi Khosla (CEO), Joel Perlman

    Founded

    2015

    Funding

    Total Funding: $1Bn; Latest Funding: £440M, Venture Round, February 2019

    HQ

    London, UK
    GB

    Sector

    Lending / Debt Finance for fast-growth businesses

    Website

    oaknorth.com

  • Sonect

    CH

    Sonect

    Payments

    The FinTech50:

    Sonect

    Sonect is a location based matchmaking platform connecting those who want to withdraw cash, with those who want to deposit it - typically a local shop owner. It builds a community around local businesses and helps them generate physical leads.

    SONECT enables every shop in the neighborhood to act as a “virtual ATM” using just a smartphone or its POS-system. It democratizes the process of cash distribution in order to reduce the “cost of cash”.

    The company closed it's oversubscribed series A round in 2018, with CHF8.45 million from existing investors.

    Since 2018, Sonect has established the largest network of cash withdrawal points in Switzerland and Portugal. They have also established a partnership with Arca Continental, one of the largest beverage manufacturing and distribution companies in Latin America, giving Sonect access to over 300,000 points of sale in Mexico alone.

    Company

    Sonect

    Key people

    Founders: Arindam Bajpayee, Rik Krieger, Sandipan Chakraborty

    Founded

    2016

    Funding

    Latest funding: CHF 8.5M Series A, Nov 2018 - SixThirty

    HQ

    Zürich, Switzerland
    CH

    Sector

    Payments

    Website

    onect.ne

  • Simudyne

    GB

    Simudyne

    Enterprise simulation, AI, agent-based modeling

    The FinTech50:

    Simudyne

    Simudyne helps financial organisations to understand their world and make the best possible decisions.

    The company's simulation platform intends to map the real world into a safe and virtual environment to facilitate decision making. It utilizes big data, human intelligence and artificial intelligence to generate machine learning driven simulation results, enabling financial institutions to visualize and predict market instabilities and make high impact decisions to mitigate risks and reduce loss.

    Simudyne has achieved a 600% year on year increase in revenue in 2018 following the addition of new global banking clients and intends to build on that growth to become a multi-billion-dollar market within the next 5 years.

    Company

    Simudyne

    Key people

    Founder: Justin Lyon

    Founded

    2017

    Funding

    Total funding: $10.1M; Latest funding: $6M, Series A April 2019 - Barclays Ventures

    HQ

    London, UK
    GB

    Sector

    Enterprise simulation, AI, agent-based modeling

    Website

    imudyne.com

  • Fluidly

    GB

    Fluidly

    Data Analytics

    The FinTech50:

    Fluidly

    Fluidly provides intuitive cashflow forecasting and management powered by AI. Cashflow forecasting and management is the gateway to financial decision-making.

    Fluidly takes transaction data from your accounting system and uses this to automagically forecast your financial future in minutes and down to invoice-level detail, it is for modern businesses that want to know exactly what their financial future holds and how to optimise it.

    The company was awarded a GBP 5 million of grant funding from Royal Bank of Scotland on June 14, 2019.

    Company

    Fluidly

    Key people

    Founders: Caroline Plumb (CEO)

    Founded

    2016

    Funding

    Total Funding Amount: £15.5M; Latest Funding: €5.6M Grant, June 2019

    HQ

    London, UK
    GB

    Sector

    Data Analytics

    Website

    fluidly.com

  • ClauseMatch

    GB

    ClauseMatch

    RegTech, Smart Document Management

    The FinTech50:

    ClauseMatch

    ClauseMatch is an award-winning financial technology company that provides a software-as-a-service platform for smart document management.

    The company's platform applies machine learning to help compliance, legal, finance, operations and risk departments to automate impact assessments, streamline the implementation of regulatory change and to collaborate on thousands of documents across the entire organization, enabling companies to standardize and automate processes and workflows across teams, reduce costs, speed up implementation and demonstrate compliance.

    They received $2.5 million of debt financing in the form of venture debt funding from Silicon Valley Bank on May 28, 2019. The funds will support the company's continued growth in Europe and Asia.

    Company

    ClauseMatch

    Key people

    CEO: Evgeny Likhoded; Founder: Evgeny Likhoded, Andrey Dokuchaev

    Founded

    2012

    Funding

    Latest Funding: $2.5M - Venture Debt, May 2019; Total Funding: $9.3M

    HQ

    London, UK
    GB

    Sector

    RegTech, Smart Document Management

    Website

    clausematch.com

  • Everledger

    GB

    Everledger

    Blockchain

    The FinTech50:

    Everledger

    Everledger is a global technology enterprise specializing in addressing real-world economic, environmental and societal challenges through their solutions that create ecosystems of trust.

    The company's breakthrough solutions harness the latest in emerging technologies including smart contracts, machine vision, and IoT, together with their proven and scalable blockchain-enabled platform. They combine a rich forensic approach to identify and track asset provenance to provide confidence in the transparency driven across global supply chains.

    The company raised $20 million of Series A venture funding in a deal led by Tencent Holdings on September 24, 2019.

    Company

    Everledger

    Key people

    CEO: Leanne Kemp

    Founded

    2015

    Funding

    Total funding: $30.4M; Latest funding: $20M Series A, September 2019

    HQ

    London, UK
    GB

    Sector

    Blockchain

    Website

    everledger.io

View all + Archive

Panel & Partners 2019:

  • Ajay Ramasubramaniam

    Ajay Ramasubramaniam

    Zone Startups India

    Panel & Partners:

    Ajay Ramasubramaniam

    Ajay Ramasubramaniam

    Zone Startups India

    At Zone Startups India, Ajay oversees the flagship accelerator operations as well as leads new initiatives, including corporate innovation programs and thematic accelerators under the Zone Startups brand. Currently, Ajay also oversees the FinTech accelerators of Axis Bank and Barclays Rise, as well as the Thomson Reuters EIKON Fintech Innovation Challenge being managed by Zone Startups.

    Prior to Zone Startups India, Ajay was the Director, India Operations for SkillsDox Inc., a Canadian ed-tech company; where he helped the company set up in India and establish its initial partnerships, as well as raise INR 150 Cr.

    In an earlier role, Ajay worked for the Government of Ontario, Canada for 5-years, where he was responsible for bilateral trade and investment relations between Ontario and India.

    Ajay began his career working in Tanzania (East Africa) for 4 years, where he was involved in World Bank and African Development Bank projects..

    Ajay is an MBA in Marketing & Finance and a B.Com in Financial Management from Mumbai University has 12+ years of cross-functional work experience with startups, international business and Governments, across North America, East Africa & South Asia

  • Alastair Lukies CBE

    Alastair Lukies CBE

    Pollinate

    Panel & Partners:

    Alastair Lukies CBE

    Alastair Lukies CBE

    Pollinate

    Alastair Lukies CBE is a UK businessman and entrepreneur best known as a pioneer and champion for the UK’s globally renowned FinTech industry. Alastair has been at the forefront of the UK’s Financial Technology industry, working with financial institutions, investors and regulators to promote collaboration and mutual benefit across the ecosystem. Alastair is Founder & CEO of Pollinate International. Pollinate was created in 2017 to turn the tide for the world's largest and most complex financial services institutions. Working with banks and their legacy platforms, Pollinate helps launch new services that reinvent the payments and financial services sector. Alastair is Chair of the Fintech Alliance, a government backed multifaceted digital engagement platform launched in 2019 which aims to bring the global FinTech ecosystem together in one easily accessible digital marketplace.

    In January 2014, Alastair was appointed as a Business Ambassador to the Prime Minister for the financial services industry by the UK Government, and remained so until 2019 when he moved across to join the Prime Minister’s Business Council. In September 2015, Alastair was part of the founding team of Motive Partners, an investment firm based in London and New York focused on investing in and building the next generation of financial technology. Alastair remains the Vice-Chairman of the Global Advisory Council at Motive Partners, alongside John Thompson (Chairman, Microsoft) and Larry Summers (Former Secretary of the US Treasury).

  • Amy Neale

    Amy Neale

    Mastercard Labs

    Panel & Partners:

    Amy Neale

    Amy Neale

    Mastercard Labs

    Amy Neale is Vice President at Mastercard Labs where she is responsible for the award-winning ‘Start Path’ startup engagement program. She leads a global team to identify, mentor and partner with leading later stage startups, connecting them with Mastercard and our customers to create breakthrough solutions.

    Amy joined Mastercard in 2015, bringing 15 years’ experience in technology commercialization. Prior to joining Mastercard, she was part of the founding team and Director of Communications at the National Digital Research Centre in Ireland, a centre of excellence for University spin out companies and research with industry.

    Amy also worked with Universities in the UK to develop commercial engagements and technology transfer, including her role as Head of Business Development at Queen Mary University of London. Here she led a team to identify commercially viable research from across the University and develop engagement programs with businesses of all sizes.

    Amy was recently recognized in the Global Corporate Venturing Rising Stars Top 100. Amy has a PhD in computational linguistics from Cardiff University, has been a visiting lecturer at Maynooth University, Ireland and is a published academic.

  • Andrei Brasoveanu

    Andrei Brasoveanu

    Accel

    Panel & Partners:

    Andrei Brasoveanu

    Andrei Brasoveanu

    Accel

    Andrei Brasoveanu focuses on fintech, software and data businesses. He helped lead Accel’s investments and ongoing work in Carto, UiPath, Celonis, Instana, Semmle and JobToday.

    Prior to Accel, Andrei worked with Foundation Capital and KCG, the largest equities high frequency trading firm in the US. Previously, he helped build an algorithmic trading startup on Wall Street focused on commodity futures.

    Andrei grew up in Romania and graduated from Princeton and Harvard Business School.

    Accel is a leading venture capital firm that invests in people and their companies from the earliest days through all phases of private company growth. Atlassian, Algolia, Avito, Cloudera, Crowdstrike, Deliveroo, DJI, Dropbox, Etsy, Facebook, Flipkart, Funding Circle, Kayak, Kry, QlikTech, Rovio, Slack, Spotify, Supercell and WorldRemit are among the companies the firm has backed over the past 30 years. The firm seeks to understand entrepreneurs as individuals, appreciate their originality and play to their strengths. Because greatness doesn't have a stereotype.

  • Ben Davey

    Ben Davey

    Barclays UK Ventures

    Panel & Partners:

    Ben Davey

    Ben Davey

    Barclays UK Ventures

    Ben Davey is CEO of Barclays UK Ventures, a recently formed business unit within Barclays UK which has a mandate to drive growth by identifying, incubating and growing transformational and innovative new business lines. Ben joined Barclays in 2010 as Co-Head of the Financial Institutions Group EMEA in the Investment Bank, becoming sole head in 2014. He became Chief Strategy Officer for the Investment Bank in 2015, responsible for the development and execution globally of the Investment Bank’s strategy, as well as becoming a member of the Investment Bank Executive Committee. He was appointed Group Head of Strategy in 2016 with responsibility for the development of Barclays’ commercial and cost strategy and sat on the Group COO Executive and Group Finance Management Committees. Prior to joining Barclays, Ben was Co-Head of UK FIG at Rothschild. Prior to joining Rothschild, Ben practised as a Chancery Barrister for six years specialising in banking, trust, company and insolvency law.

  • Ben Luckett

    Ben Luckett

    Aviva Ventures

    Panel & Partners:

    Ben Luckett

    Ben Luckett

    Aviva Ventures

    Ben Luckett is the Managing Director of Aviva Ventures – Aviva’s Corporate Venture Capital Fund. His role is to invest in early stage, high growth potential companies for strategic returns. Ben set up the £100m fund in 2015 as part of Aviva’s Innovation Strategy.

    Prior to this Ben was the Strategy Director for the UK General Insurance Business and has also held roles in Enterprise Risk and Finance.

    Prior to joining Aviva Ben was Senior Marketing Manager at Centrica where he was responsible for the online channel for British Gas.

    Ben started his career at Accenture where he was a change management consultant specialising in Customer Experience Design for Banking and Insurance clients.

  • Benoît Legrand

    Benoît Legrand

    ING

    Panel & Partners:

    Benoît Legrand

    Benoît Legrand

    ING

    Benoît Legrand began his career as an investment banker at Bank Bruxelles Lambert in 1994, before it became ING Belgium. He rejoined the Group a few years later, after founding his own start-up company in retail distribution.

    Benoît has an extensive international experience within the ING Group having worked in Investment Banking, Retail and Private Banking covering diverse areas such as Marketing, Sales, Branch Distribution and Product Management in Belgium, Singapore, Poland, the Netherlands and France.

    In 2007 he was appointed to the Executive Board of ING Nederland where he lead the total make-over of Private Banking and Securities and took an active part in the merger of Postbank and ING Bank.

    He was appointed CEO of ING Direct France in 2010 and Country CEO ING France in 2013, after merging all retail, commercial banking and real estate activities in France into one single integrated entity.

    In October 2015, Benoît has been appointed President of ING Bank France and Head of FinTech of the ING Group, playing a leading role in the digital transformation of the Group.

    Benoît graduated in Economics from Catholic University of Leuven and in International Relations from the London School of Economics.

  • Chris Skinner

    Chris Skinner

    The Financial Services Club

    Panel & Partners:

    Chris Skinner

    Chris Skinner

    The Financial Services Club

    Chris Skinner is an independent commentator on the financial markets and, as Balatro, Chris assists clients as an advisor, as well as sometimes being commissioned to write or speak on their behalf at conferences and tradeshows.

    As well as being Chief Executive of Balatro, Chris chairs the European networking group the Financial Services Club. The Financial Services Club is a prestigious meeting place, and allows networking between members and regulators, practitioners and futurists. Our guest speakers include Charlie McCreevy, John McFall, Angela Knight and other luminaries shaping the future of banking and insurance.

    Chris is well-known for his regular columns and for his daily blog, which can be found at The FinanSer.

    He has also written several books on banking, covering retail and investment banking, payments and the supply chain, and general technology trends. Current titles include Digital Bank and the new best-seller DIGITAL HUMAN

    Chris is a Judge with the TradeTech Awards and with the Asian Banker's Excellence in Retail Financial Services program, and a contributor to the World Economic Forum.

    He is a Fellow of the British Computer Society, a Fellow of the Institute of Management Services, an Associate of the Chartered Insurance Institute and a Chartered Insurance Practitioner.

  • Chris Wheatcroft

    Chris Wheatcroft

    Angels Den

    Panel & Partners:

    Chris Wheatcroft

    Chris Wheatcroft

    Angels Den

    Chris is FinTech Club Manager for Angels Den, matching software entrepreneurs with value add investors. He is experienced on both sides of the funding equation having raised investment for his own business and helped many others raise funding over the past four years.

    Part of the investment committee for an SEIS Fund and mentor at several accelerators, Chris is well-connected within the London tech scene, with a strong network of angel and institutional investors.

    For the past three years, Chris has been a member of Investment Committee for Ascension Ventures.

  • Claudia Bate

    Claudia Bate

    Panel & Partners:

    Claudia Bate

    Claudia Bate

    Claudia specialises in helping ambitious companies build their brands, having advised global banks including HSBC and Citi and fast-growth FinTech startups such as Currency Cloud, Future Finance, MoneyFarm, Ripple and WorldRemit.

  • Connie Chan

    Connie Chan

    Temasek

    Panel & Partners:

    Connie Chan

    Connie Chan

    Temasek

    Connie Chan is a Managing Director at Temasek based in Singapore and is responsible for investments and portfolio management in the Financial Services space, covering both FinTech and traditional financial sectors. Temasek’s investments in FinTech include Adyen, Billdesk, C2F0, Funding Circle, PolicyBazaar, and SoFi.

    Prior to joining Temasek, Connie worked at JPMorgan in Hong Kong advising financial institution clients across subsectors including banks, insurance, brokerage, and asset management. Before relocating to Hong Kong, she was based in New York covering banks and specialty finance companies in the US on a range of corporate finance activities including mergers and acquisitions, ratings advisory, and debt and equity capital raisings.

  • Craig Fox

    Craig Fox

    Silicon Valley Bank

    Panel & Partners:

    Craig Fox

    Craig Fox

    Silicon Valley Bank

    Craig Fox is a Vice President at Silicon Valley Bank (SVB) where he specialises in providing banking solutions and debt finance to growth stage Fintech companies in the UK and Europe.

    For more than 35 years, Silicon Valley Bank (SVB) has helped innovative companies and their investors move bold ideas forward, fast. SVB provides targeted financial services and expertise through its offices in innovation centers around the world. With commercial, international and private banking services, SVB helps address the unique needs of innovators.

  • Craig Ramsay

    Craig Ramsay

    HSBC

    Panel & Partners:

    Craig Ramsay

    Craig Ramsay

    HSBC

    Craig joined HSBC in 2014 and is Global Innovation Lead for Global Liquidity and Cash Management. In this capacity, his role is focused on identifying new opportunities for HSBC to leverage technology from the Fintech community and deliver value to HSBC’s corporate clients. His past experience of delivering innovation within Financial Services gives him a great perspective on the challenges that Fintechs face in working with global international banks.

    Craig has over 12 years of experience of leading innovation and change within financial services. Prior to joining HSBC Craig was responsible for technology delivery at Citi. Prior to Citi, Craig was part of the Innovation team at Barclay’s where he launched the first integrated contactless credit numerous first-to-market innovations in consumer and merchant payments.

    Craig attended the University of Hertfordshire where he obtained a Masters Degree in Mechanical Engineering. He is a regular guest lecturer on the topic of Innovation and Change at the London Business School.

  • Daniel Izzo

    Daniel Izzo

    Vox Capital

    Panel & Partners:

    Daniel Izzo

    Daniel Izzo

    Vox Capital

    Daniel is a partner, co-founder and CEO at Vox Capital, Brazil’s pioneering and leading impact investing fund manager, listed for 5 consecutive years as one of the most relevant players on the impact investing space Worldwide by the Impact Assets 50 and subject of a Harvard Business School business case: “Vox Capital: Pioneering Impact Investing in Brazil”.

    Daniel is a member of the Global Executive Committee at ANDE (Aspen Network of Development Entrepreneur), member of the Board at the Brazilian Social Finance Task Force, leader of the Impact Investing Working Group at ABVCAP (Brazilian Venture Capital and Private Equity Association), and a professor at the Impact Investing Executive Program at the Said Business School in Oxford.

  • Danny Gilligan

    Danny Gilligan

    Reinventure Group

    Panel & Partners:

    Danny Gilligan

    Danny Gilligan

    Reinventure Group

    As both a serial entrepreneur and experienced venture capitalist, Danny Gilligan is at the forefront of driving disruptive innovation in Australia’s financial services sector. Through Reinventure Group, co-founded with Simon Cant in 2013, he is pioneering a new model of corporate venture capital. With $100m of capital over two $50m funds, Reinventure is focused on backing proven entrepreneurs leading disruptive technology ventures within FinTech and adjacent areas, whose growth can be accelerated through a strategic relationship with Westpac, the fund's lead investor. 10 investments have been made in Reinventure’s Fund 1, and three from Fund 2 so far, across verticals such as data, payments, artificial intelligence, real estate, crime prevention and human resources.

    Gilligan is also co-founder of Data Republic, a trust platform for secure data exchange between companies that is seeking to lead the transition to a data driven economy, and a founding director of Stone & Chalk, an independent not-for-profit Fintech hub whose overarching objective is to help foster and accelerate the development of world-leading Fintech start-ups in Australia.

  • David Birch

    David Birch

    Consult Hyperion

    Panel & Partners:

    David Birch

    David Birch

    Consult Hyperion

    David G.W. Birch is an internationally-recognised thought leader in digital money and digital identity. One of the 2014 “Power 50” in European digital financial services and a NextBank Fintech “titan”, in 2013 he was named one of WIRED magazine’s global top 15 favourite sources of news from the world of business and finance and was ranked the no.1 influencer in European emerging payments by Total Payments magazine. Dave is a Director of Consult Hyperion, the technical and strategic consultancy that specialises in electronic transactions. Here he provides consultancy support to clients around the world, including all of the leading payment brands, major telecommunications providers, governments bodies and international organisations including the Bill & Melinda Gates Foundation. Before helping to found Consult Hyperion in 1986, he spent several years working as a consultant in Europe, the Far East and North America.

    Described at the Oxford Internet Institute as “one of Britain’s most acute observers of the internet and social networks”, in The Telegraph as “one of the world’s leading experts on digital money”, in The Independent as a "grade-A geek" and by the Centre for the Study of Financial Innovation as "one of the most user-friendly of the UK's uber-techies", Dave is well-known for his thought leadership blogging, podcasts and events for Consult Hyperion’s Tomorrow’s Transactions series.

    He has lectured to MBA level on the impact of new information and communications technologies and contributed to publications ranging from the Parliamentary IT Review to Prospect. He wrote a Guardian column for many years. He is a media commentator on electronic business issues and has appeared on BBC television and radio, Sky and other channels around the world. Retail Systems magazine said that his recent book “Identity is the New Money” is bold, forward thinking [and] grapples with weighty issues in a concise and accessible way.

    He graduated from the University of Southampton with a B.Sc (Hons.) in Physics.

  • David Thevenon

    David Thevenon

    Softbank

    Panel & Partners:

    David Thevenon

    David Thevenon

    Softbank

  • Don Ginsel

    Don Ginsel

    Holland FinTech

    Panel & Partners:

    Don Ginsel

    Don Ginsel

    Holland FinTech

  • Dr. Rainer Deutschmann

    Dr. Rainer Deutschmann

    Dialog Axiata PLC

    Panel & Partners:

    Dr. Rainer Deutschmann

    Dr. Rainer Deutschmann

    Dialog Axiata PLC

    As Dialog's Group Chief Operating Officer, Rainer leads the Group's Businesses as well as Corporate Planning, M&A, and Corporate Strategy. Dialog is Sri Lanka’s largest and fastest growing fixed, mobile, pay TV and digital services provider and an innovation engine in Axiata, a leading telecommunications group in Asia. Rainer has over 20 years of in-depth experience in Telecommunications, Digital and IT Services, Media and Entertainment, e-Commerce, Digital Marketing and Corporate Strategy in mature and emerging markets, across start-ups and multi-nationals.

    Prior to joining Dialog, Rainer served as the Chief Product and Innovation Officer at Reliance Jio in India and was directly responsible for setting up Jio's business units and for leading the commercial launch program to acquire the initial 100 million customers in 170 days. Preceding Reliance Jio, he was the Senior Vice President Core Telco Products at Deutsche Telekom AG, Germany, building and leading Deutsche Telekom's core product portfolio across 14 European markets, serving 90 million customers and 30 million households. He also served as Chairman of the Board of Directors, Deutsche Telekom UK Ltd, as Senior Vice President Mobile Products, Deutsche Telekom AG, as Senior Vice President Mobile Internet, T-Mobile International AG, and as Vice President Strategy Development, Deutsche Telekom AG. During his 5 years at McKinsey & Company, he served high-tech and telco clients across Europe.

    Rainer is an advisor and investor in digital telco, fintech, adtech and analytics companies, and serves as Non-Executive Director at rain, South Africa’s first digital mobile network operator. He holds a doctoral degree (Dr. rer. nat.) in Physics from the University of Technology Munich, and worked as a computation and neuroscience researcher at California Institute of Technology (Caltech) / USA.

  • Elsa Said Armanet

    Elsa Said Armanet

    Stripe

    Panel & Partners:

    Elsa Said Armanet

    Elsa Said Armanet

    Stripe

    Elsa Said-Armanet leads Business Development and Partnerships for Stripe in Europe.

    Working with Stripe’s leadership team in Europe, Elsa steers the strategy and execution for distribution, technology and ecosystem partnerships for the company in the region.

    Earlier, Elsa helped Twitter grow in Western Europe through strategic partnerships leveraging Twitter’s APIs (including the development of chatbots and TV content integrations). Before that, she helped bring Chromecast to market in Europe as part of Google’s product partnerships team. She started her post-MBA career at Samsung in the Global Strategy Group in Seoul, Korea. Elsa holds an MBA from the Wharton School at the University of Pennsylvania and an MSc. in Engineering and Computer Science from Telecom Physique Strasbourg.

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About:

Co-founded by ICON’s Nicky Cotter and FinTechCity’s Julie Lake, The FinTech50 is all about the qualities that make FinTech a hot technology sector and, in our panel’s view, every business on the list has either the potential to become a game-changer or the competitive staying power to continue being one.

The FinTech50 is our small tribute to a hugely enterprising sector that is redefining financial services and to the movers, shakers and downright disruptive technologies within it that will be the ones to watch.