The FinTech50  |  The Fintechs  |  The Fintechs 2014

Selected from over 2000 plus companies across Europe by some of the biggest names in FinTech. Meet The FinTech50

The FinTech50 2014

The FinTech50 2014:

  • Five Degrees

    NL

    Five Degrees

    Banking

    The FinTech 50:

    Five Degrees

    Five Degrees has developed a next generation core banking software platform designed for existing banks as well as new ones. Five Degrees provide a fully automated banking services hub supporting any segment, product or channel through a rich middleoffice environment, connected to any (legacy) back-office of choice. Matrix, (the company’s proprietary technology) offers an agile customer centric architecture that supports banking operations in a future proof manner, significantly lowering cost whilst enhancing agility in the banking environment. Matrix is a proven fully automated (STP) core business process management (BPM) banking solution ready for SaaS and (private) cloud setups.

    Company

    Five Degrees

    Key people

    CEO & Founder: Martijn Hohmann; Co-Founder: Bjorn Holmthorsson

    Founded

    2009

    HQ

    Breukelen, Netherlands
    NL

    Sector

    Banking

    Website

    fivedegrees.nl

  • Fixnetix

    GB

    Fixnetix

    Comms & Compliance

    The FinTech 50:

    Fixnetix

    Company

    Fixnetix

    Key people

    Founders: Hugh Hughes (CEO), Paul Ellis and Al Moore

    Founded

    2006

    HQ

    London, UK
    GB

    Sector

    Comms & Compliance

    Website

    fixnetix.com

  • Free Agent

    GB

    Free Agent

    Back Office

    The FinTech 50:

    Free Agent

    Company

    Free Agent

    Key people

    Founder: Ed Molyneux

    Founded

    2007

    HQ

    Edinburgh, UK
    GB

    Sector

    Back Office

    Website

    freeagent.com

  • Funding Circle

    GB

    Funding Circle

    Debt Crowdfunding

    The FinTech 50:

    Funding Circle

    Funding Circle has a simple proposition: companies get funding at better rates, while savers get a higher return on their cash than if they left it in the bank. Since it was founded in 2010, Funding Circle has lent more than £5bn to 50,000 small businesses, with funds collected from more than 80,000 investors. The company has raised $422 million of equity capital from some of the most sophisticated investors in the world. In September 2018, Funding Circle debuted on the London Stock Exchange: (Lon:FCH).

    Company

    Funding Circle

    Key people

    CEO: Samir Desai; Founder(s): Samir Desai, James Meekings, Andrew Mullinger

    Founded

    2009

    Funding

    Total funding: IPO - Sept 2018 / Valuation £1.5Bn / Most recent Series: F / Total $422.8m

    HQ

    London, UK
    GB

    Sector

    Debt Crowdfunding

  • GoCardless

    GB

    GoCardless

    Payments

    The FinTech 50:

    GoCardless

    Founded in 2011, GoCardless targets companies that need to offer their increasingly international customers the ability to pay by Direct Debit. The GoCardless mission is to help businesses take and settle recurring payments from anywhere, to anywhere, in any currency.

    A Series D funding round of $22.5M raised in September 2017 is designed to enable GoCardless to expand further, with support for more countries, including Australia and Denmark.

    Founder and CEO Hiroki Takeuchi says, “As more and more businesses become international, they face endless frustrations in managing payments across multiple territories. What we have engineered is a way to simply plug recurring payments into their existing systems, across the world, so they can focus on the challenges that really matter.”

    GoCardless processes over $4bn worth of transactions across more than 30,000 organisations in the U.K. and Europe, working with small startups and large enterprises across a number of industries. It offers an API and off the shelf integrations with over 100 partners including Xero, Sage and Zuora. Customers include Sage, Thomas Cook, Box and The Guardian.

    Company

    GoCardless

    Key people

    CEO: Hiroki Takeuchi; Founder(s): Hiroki Takeuchi, Matt Robinson

    Founded

    2011

    Funding

    Latest Funding: $22.5M Series D, September 2017; Total Funding: $47.3M

    HQ

    London, UK
    GB

    Sector

    Payments

    Website

    gocardless.com

  • HelpMyCash.com

    ES

    HelpMyCash.com

    Big Data / Information

    The FinTech 50:

    HelpMyCash.com

    Company

    HelpMyCash.com

    Key people

    Founder: Laurent Amar (CEO)

    Founded

    2008

    HQ

    Barcelona, Spain
    ES

    Sector

    Big Data / Information

    Website

    elpmycash.com

  • Holvi

    FI

    Holvi

    Banking

    The FinTech 50:

    Holvi

    Holvi replaces traditional bank accounts with a Pan-European alternative, unlike traditional banks that are tied to a single country. Holvi completely replaces bank accounts with a service that offers a smart checking account. Full bank payments can be made, both in and out, and all accounts have International Bank Account Numbers (IBAN) that enable seamless banking across Europe. The company has customers in 8 European countries.

    Company

    Holvi

    Key people

    CEO: Johan Lorenzen; Founders: Tuomas Toivonen, Teemu Hukkanen, Kristoffer Lawson

    Founded

    2011

    HQ

    Helsinki, Finland
    FI

    Sector

    Banking

    Website

    olvi.com

  • Iwoca

    GB

    Iwoca

    Lending

    The FinTech 50:

    Iwoca

    iwoca is one of Europe’s fastest growing credit providers, offering short-term credit facilities of up to £100,000. Businesses sign up online, passing their trading data through integrations with high-street banks, ecommerce platforms, and more. Iwoca’s proprietary risk model allows us to make fair, fast and flexible decisions, cutting underwriting costs by 90% whilst increasing approval rates and offering a simpler customer experience. To date Iwoca has issued over £70M to businesses across the UK, Germany, Spain and Poland and is opening our “credit-as-a-service” platform to strategic partners such as Alibaba, allowing them to finance their customers directly.

    Company

    Iwoca

    Key people

    CEO: Christoph Rieche; Co-Founder: James Dear

    Founded

    2011

    Funding

    Latest Funding: $27.1M Series C October 2016

    HQ

    London, UK
    GB

    Sector

    Lending

    Website

    iwoca.co.uk

  • Ixaris

    GB

    Ixaris

    Payments

    The FinTech 50:

    Ixaris

    Ixaris offer a range of co-branded payment applications that enable enterprises and financial institutions to capitalise on the growing market for prepaid payment solutions. Its payment applications provide access to electronic payments for consumers unwilling or unable to access credit card services.

    Company

    Ixaris

    Key people

    Founder & CEO: Alex Mifsud

    Founded

    2002

    HQ

    London, UK
    GB

    Sector

    Payments

    Website

    ixaris.com

  • Klarna

    SE

    Klarna

    Payments

    The FinTech 50:

    Klarna

    Klarna (its name means clear) was founded in Stockholm in 2005 with the idea to simplify buying. Klarna is now one of Europe’s largest banks and provides payment solutions for 60 million consumers across 90,000 merchants in 14 countries. Klarna offers direct payments, pay after delivery options and instalment plans in a smooth one-click purchase experience that lets consumers pay when and how they prefer to.

    Company

    Klarna

    Key people

    CEO: Sebastian Siemiatkowski; Founder(s): Niklas Adalberth, Victor Jacobsson, Sebastian Siemiatkowski

    Founded

    2005

    Funding

    Total Funding: $661.7m; Latest Funding: $250M private equity, Jul 2018

    HQ

    Stockholm, Sweden
    SE

    Sector

    Payments

    Website

    klarna.com

  • LemonWay

    FR

    LemonWay

    Payments

    The FinTech 50:

    LemonWay

    Company

    LemonWay

    Key people

    Founder: Sebastien Burlet

    Founded

    2007

    HQ

    Montreuil, France
    FR

    Sector

    Payments

    Website

    lemonway.fr

  • Linedata Services

    FR

    Linedata Services

    Asset/Risk Management

    The FinTech 50:

    Linedata Services

    Company

    Linedata Services

    Key people

    Founder: Anvaraly Jiva (CEO)

    Founded

    1998

    HQ

    Lille, France
    FR

    Sector

    Asset/Risk Management

    Website

    linedata.com

  • mBank

    PL

    mBank

    Banking

    The FinTech 50:

    mBank

    mBank is the first established European bank to undergo a comprehensive, mass-scale, Bank 3.0 revolution of its direct channels including modern UI/ UX of transactional banking, PFM, video banking, transactional, realtime marketing, social channels, gamification and mobile banking and is the leader of e-banking in Poland. Part of BRE Bank (owned by Commerzbank) it is currently the 3rd largest retail bank in Poland in terms of number of customers. The company also operates in the Czech Republic and Slovakia.

    Company

    mBank

    Key people

    CEO: Michał Panowicz

    Founded

    2000

    HQ

    Łódź, Poland
    PL

    Sector

    Banking

    Website

    mbank.pl

  • Meniga

    GB

    Meniga

    Banking

    The FinTech 50:

    Meniga

    Meniga is the European market leader of the white-label Personal Finance Management (PFM) and next-generation online banking solutions. Meniga helps multiple retail banks across the world create mutually beneficial digital relationships with their customers by dramatically improving their online and mobile banking user experience. In April 2017, Meniga raised $7.98M in new funding, bringing the total raised to $22.7M. In June 2017, Meniga announced that Islandsbanki, one of Iceland's leading banks, has deployed its Card Linked Offer (CLO) program to provide their digital banking customers with personalised and relevant discounts from local merchants.

    Company

    Meniga

    Key people

    CEO & Founder: Georg Ludviksson
    Co-Founder: Viggo Asgeirsson

    Founded

    2009

    Funding

    Total: $22.75M / Investors: Frumtak Venture Capital and Kjolfesta

    HQ

    London, UK
    GB

    Sector

    Banking

    Website

    meniga.com

  • Merit Software

    IE

    Merit Software

    Banking

    The FinTech 50:

    Merit Software

    Merit Software is the industry leader in investment banking and broking operations’ receivables and payables processing and case management. Merit has recently developed a centralised matching platform (“The Utility”) with a transactional-based business model and the ability to automate these processes on an industry-wide basis. In 2014 the company agreed an exclusive partnership agreement with one the world’s largest clearing houses for the global distribution of the utility.

    Company

    Merit Software

    Key people

    CEO & Founder Kerril Burke; Co-Founder: Paul Burke

    Founded

    1998

    HQ

    Dublin, Ireland
    IE

    Sector

    Banking

    Website

    merit-soft.com

  • NagraID

    CH

    NagraID

    Security

    The FinTech 50:

    NagraID

    Company

    NagraID

    Key people

    Founder: Cyril Lalo

    Founded

    1976

    HQ

    La Chaux-de-Fonds, Switzerland
    CH

    Sector

    Security

    Website

    nagraid.com

  • Nutmeg

    GB

    Nutmeg

    PFM, Consumer Finance

    The FinTech 50:

    Nutmeg

    Nutmeg launched the UK’s first online discretionary wealth manager in 2011. Specializing in investments, ISAs and pensions, Nutmeg's online investment management service is intelligent, straightforward and fair. It is the first wealth manager with a 6 year performance track record in the UK. With $1.5 billion in assets under management, Nutmeg has become a scale wealthech player. In February, it secured a Series E investment from Goldman Sachs ($58M) to fuel global expansion.

    Company

    Nutmeg

    Key people

    CEO: Martin Stead; Founder(s): Nick Hungerford & William Todd

    Founded

    2010

    Funding

    Total funding: $147.5M; Latest funding: $58M, February 2019 Series E, Goldman Sachs

    HQ

    London, UK
    GB

    Sector

    PFM, Consumer Finance

    Website

    nutmeg.co.uk

  • OP3Nvoice

    GB

    OP3Nvoice

    Comms & Compliance

    The FinTech 50:

    OP3Nvoice

    Company

    OP3Nvoice

    Key people

    Founder: Paul Murphy (CEO)

    Founded

    2009

    HQ

    London, UK
    GB

    Sector

    Comms & Compliance

    Website

    op3nvoice.com

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