FinTech Companies in Europe

Fonoa is a global tax automation and compliance solution provider that helps companies streamline the entire transactional chain. We empower digital businesses to easily handle tax compliance with solutions like tax calculations, invoicing, tax ID validations and more – all from one platform. With Fonoa, your company can: - Instantly validate tax ID numbers from 95+ countries - Report transactions in accordance with local tax law, including DAC7 - Apply the correct indirect and withholding tax treatment to each transaction - Issue custom-branded tax invoices in locally compliant languages and formats - Automatically populate tax returns ready for filing - Maintain compliance at scale See why companies like Zoom, Uber, Booking, and Remote.com trust Fonoa to automate and manage their global tax obligations.

Form3 develop payment technology. We offer a fully managed, payment technology platform for Financial Institutions as-a-Service. Our vision is to be the worlds most trusted provider of payment technology. We design, build and run the technology that powers the future of payments. Historically, banking leaders believed that infrastructure technologies were an asset for their financial institution because they were managed locally and could be customised. Form3 is changing this model and offering payments infrastructure as a service. A fully cloud native platform that is fully managed to lower costs across operations, infrastructure, security, upgrades, and change management. Form3 has proven that there is a cheaper, simpler, and more efficient way for FI's to handle large payment volumes and scale dynamically without a heavy infrastructure burden. We enable FI’s to benefit from the flexibility, business agility and speed to market that an API-first platform brings along with embedded services that ensure they are always future-ready. Form3 work with regulated financial institutions including large Enterprise banks and digital challenger banks including Mastercard, Lloyds Banking Group, Ebury, LHV, PPS, N26, Square, Ziglu, Aion Bank and others.

Foxstone is a Swiss online real estate investment platform providing capacity into direct co-ownership, co-investment and mezzanine debt.

Say hello to FreeAgent. Award-winning cloud accounting software designed to meet the needs of the UK’s small businesses and their accountants & bookkeepers.

Freetrade is an app that makes investing simple, and free. Our award-winning app was voted Best Share Trading Platform at the British Bank Awards 2019, 2020 and 2021. With over 1,000,000 users, we're growing fast. Get the app: http://freetrade.io Forum: http://community.freetrade.io

Frost is a #CarbonNeutral® certified digital account designed to help people master their money sustainably. We enable our customers to save time, money, and the planet through intuitive in-app features that: 💸 Simplify tedious financial tasks 💡 Educate people on how to make their money go further 🌍 Guide more sustainable spending with various green initiatives Find out more about what we do: https://frost.app/

A radically better corporate card for your business. Say goodbye to expense reports while you get credit limits that grow with you

Gain.pro is on a mission to provide full visibility on the private market. Our industry leading solution combines advanced AI technology with local-for-local research to deliver the highest quality information and data on the assets that matter to you most. Known for our depth of content and intuitive UX, Gain.pro provides: - Curated company profiles - Comprehensive niche industry deep-dives - Full investor portfolio and insights - Deal histories and metrics - and much more Gain.pro’s unrivalled deal sourcing technology gives users their competitive edge by flagging potential investment opportunities or mandates within their sweet spot criteria. With our self-learning algorithms, users can discover new companies, add-ons and industries that may not have otherwise been on their radar. Thousands of users leverage the power of Gain.pro, including major private equity investors, M&A advisors, strategy consultants and more. Our clients include some of the biggest names in the industry, like Blackstone, CVC, Lazard, PwC, McKinsey & co, and Bain. With such high satisfaction for our platform, our clients have given us an industry leading NPS of >70. Founded in 2018, Gain.pro is one of Europe’s top 100 fastest growing fintech scale ups with hubs across the globe.

We're a team of entrepreneurs in fintech, data science and dev tools. We believe the future of finance belongs to builders. Access to capital should be fair and instant, we're working hard to make this happen. Defacto provides lending in seconds to SMEs across Europe through their daily tools. We're proud to partner with Qonto, Malt, Pennylane and Libeo amongst other great B2B fintechs and marketplaces.

Since its inception in 2019, Libeo’s mission has been to accelerate the digital transition of companies and accountants. Thanks to its unique technology in Europe, Libeo simplifies, secures and improves invoice processing and payment. More than 300,000 companies pay and get paid on Libeo. Libeo is a pioneer of one-click payment without requiring an IBAN. It is a complete solution that automates the management of financial flows and invoices, payment and bank reconciliation. Libeo benefits from the EU Horizon 2020 R&D programme (agreement no. 876518). Our platform allows accountants, business managers and CFOs to: - Schedule bulk payments in one click. - Connect and sync your payments. - Upload a CSV or BACS file of payroll information to pay employees with ease. - De-risk payment transactions. - Effectively manage your cash flow. 👉 To learn more, visit http://ow.ly/eV2p50Mhbhv or reach out to our team: hello@libeo.io

Silvr is the leading financial provider for digital entrepreneurs in Europe. Financing businesses has not evolved over the last decades: banks prefer to fund assets, equity is not the best fit for all. At Silvr, we empower entrepreneurs by building a world where funding is easy to access, scalable, and equity-free. We leverage digital businesses data to predict future revenues and offer funding in 24 hours. We are headquartered in Paris, are backed by XAnge, Otium, BPI France, ISAI, Eurazeo and we deploy millions of euros of funding to European entrepreneurs every month. #finance #fintech #silvr #ecommerce #saas

Ginmon offers a modern investment based on a scientifically sound ETF portfolio. Our platform with our self-developed portfolio technology apeiron® supports investors in the self-determined planning of their personal finances and thus enables a cheaper and more attractive alternative to classic banking products for everyone. > Comprehensive wealth management. Fully licensed and regulated. We operate as a licensed wealth manager in accordance with Art. 32 of the German banking act and are subject to strict supervision and auditing. This ensures bank-level security. > Maximum security and state-of-the-art technology. Our apeiron® technology, registered with the German Patent and Trademark Office, monitors and optimizes our customers’ portfolios 24/7 – including integrated risk management. > Performance leader thanks to our investment concept. As the only provider, Ginmon rigorously invests according to the Three-Factor Model. An investment concept inspired by Nobel laureates and driver of our returns. Ginmon is simple, understandable, and profitable - invest at www.ginmon.de/en

Goparity is an impact finance and investment app that empowers people and companies to actively contribute to the United Nation's Sustainable Development Goals. Our mission is to democratize access to sustainable finance by connecting individuals and companies who want to invest in projects aligned with their values and with the change they want to see in the world with organizations that need funding to develop sustainable projects with a positive impact on people and the planet. We are driving the transition towards a more sustainable and inclusive economic system, making the investment in sustainable solutions accessible to all, from citizens to small enterprises. Join us @ www.goparity.com Part or all of your original invested capital may be at risk and the return on your investment depends on the success of the project invested in. Consider all risks before investing and read the Key Investor Information Sheet (KIIS) for each investment. Power Parity, SA is a crowdlending platform authorized and supervised by CMVM (Portuguese Securities Commission). All payments, transfers and funds collection are assured by MangoPay SA, an electronic payments institution authorized and supervised by CSFF (Luxembourg Financial Authority) under the nº 8711.

Greater Than is a driving data analytics company that specializes in understanding driver impact on the roads. Through the power of artificial intelligence (AI), Greater Than converts GPS data into driver scores that predict crash probability and climate impact. The scores can be further enhanced with additional intelligence including an analytics dashboard, prevention tool, and summary reports. Insurance companies, underwriters, fleet solution providers, mobility providers and other owners of GPS data use Greater Than’s analysis to optimize driver risk management, achieve insurance profitability, manage sustainability & ESG reporting, and monetize GPS data. Greater Than (GREAT.ST) is listed on Nasdaq First North Growth Market. FNCA Sweden AB is the Company’s Certified Adviser. Learn more at www.greaterthan.eu.

Founded in 2016, iBanFirst has quickly established itself as the leading alternative for businesses that trade and carry out international payments. iBanFirst offers a next-generation cross-border payment experience that combines a powerful platform and the support of FX experts. With iBanFirst, executives and finance teams can get direct access to currency markets, receive, send and track payments and develop tailored hedging strategies. With more than 350 employees in 10 European countries, processing a volume of transactions worth more than €1.4 billion each month, and listed by the Financial Times as one of Europe's fastest growing companies, iBanFirst became in less than 10 years a trusted partner for SMEs across borders. iBanFirst has the financial backing of the French public investment bank (bpiFrance), European venture capital leaders (Elaia, Xavier Niel), and the American investment fund Marlin Equity Partners (more than 8 billion dollars of capital under management). Regulated by the National Bank of Belgium as a payment institution, iBanFirst is authorized to operate throughout the European Union. Member of the SWIFT network and SEPA certified, iBanFirst holds AISP and PISP accreditations under PSD2.

The ICONOMI platform is designed to provide businesses or retail investors with an extra layer of protection and security in the cryptocurrency market. The ICONOMI trade engine is built on top of exchanges, resulting in exchange diversification. It searches multiple global exchanges simultaneously to find you the best possible price for each transaction, both buys and sells. Our state-of-the-art platform technology provides you with the ability to build and monitor your very own cryptocurrency portfolio but in a more traditional sense. You are able to develop your own risk parameters and the platform will automatically rebalance your portfolio on a regular basis to ensure you remain in the correct asset allocation. If you are new to investing in the cryptocurrency market, take advantage of strategies managed by experienced crypto strategists. The ICONOMI platform allows you to copy and track active strategy managers who have a track record of outperforming long-term hodlers of BTC. The strategists will take care of portfolio composition, rebalancing and keeping you ahead of the market. - FCA-registered - Private & public strategies - Hot and cold storage - 100% asset segregation - Secure custody - Balance sheet custody - Risk mitigation Track and manage your crypto investments anytime, anywhere, at https://www.iconomi.com/. Book a crypto consultation: https://lnkd.in/gzJXuXMJ Learn more B2B: https://lnkd.in/ggfXuEVM

We are a leading fintech in Europe and Latin America. Our main offering is focused on providing finance solutions to retail customers. The company is among the fastest growing fintech companies in Europe and the only one Spanish one included at FT 1000. Besides, ID Finance is also the first carbon-neutral financial technology firm in the region. The company is consistently profitable and since its inception in 2015, we have processed over 9 million credit applications. In 2021 ID Finance launched Plazo, the first Spanish credit-led challenger bank. It is currently offering a free Mastercard debit card which comes with one of the most attractive cashbacks in the country. Besides, it is expanding its services to a wide range of purchase and credit solutions. Our proprietary technology allows us to analyse vast amounts of data, including behavioural biometrics, identifies anomalies and increases efficiency of risk assessment by 50%. Machine learning and artificial intelligence are at the core of our business, from optimising marketing campaigns to improving customer service experience. Our headquarters are located in Barcelona, Spain, with further offices in Mexico City, Mexico, and an engineering office in Warszawa, Poland. Our 400+ employees are at the cutting-edge of fintech innovation. Our culture is inclusive, international and above all entrepreneurial. We are constantly setting ourselves new challenges. We have ambitious goals for further rapid growth in Europe and Latin America and we are excited about the opportunity ahead. Interested in joining us for the journey? Get in touch with us: careers@idfinance.com

iFactor is a Fintech start-up aiming to become the first online B2B marketplace bringing together investors and SMEs looking for alternative financing, not just another factoring service. We provide an online platform that brings together liquidy-seeking SMEs and investors to finance the cash needs of the formers, by buying their outstanding customer invoices. The duration of the process is reduced and the steps are simplified, as iFactor conducts efficient, bank-compatible risk assessments to mitigate both fraud and payment risk. iFactor provides a faster solution compared to traditional ones, while being equal in terms of safety. In the last months we have been hard at work on the iFactor Pure Analytics module, developed in partnership with Raiffeisen Bank International. Utilizing AI technologies, our system will gather and analyze over 5000 data points (especially alternative data) that are used by our engine to build predictive models assessing creditworthiness. This module is a part of the iFactor Hybrid Marketplace but will also be a stand-alone SaaS ready to be implemented in creditworthiness workflows.

IMMO is Europe’s first technology-led residential real estate platform, designed to create quality portfolios of existing single-family rental (SFR) housing at speed and scale. We’ve built a unique end-to-end solution, providing institutional partners with sourcing, acquisition, portfolio management, lettings and property management, enabling them to drive performance and maximise returns. Founded in 2017, we have assembled an experienced team of 130+ which includes successful entrepreneurs and industry leaders with expertise from McKinsey, Goldman Sachs, Blackstone, Uber, HSBC, Amazon, Procter & Gamble, BlackRock, Morgan Stanley, Google and many more. We have an established presence in the UK, Germany, Spain and India and have been awarded “Tech Pioneer” by the World Economic Forum.

Lendwill is a mobile application that makes it possible for people to turn their usual human-to-human lending and borrowing interactions into blockchain-verified proxies of credit histories that could be taken anywhere the person goes. In other words, people borrow billions of dollars from each other every year, yet such personal lending interactions leave no trace to prove future creditworthiness - this data just stays in the minds of individuals who have had the transaction. When you use Lendwill to borrow or lend to others, as an alternative to using PayPal, Vipps, or similar, we save all transactions on the blockchain ledger, making the data about your borrowing experience globally verifiable, immutable, and possible to use in situations that require some sort of proxy of trust.

Linked Finance is Ireland's leading peer-to-peer digital lending platform. We connect great local businesses that need business financing with a vibrant online investor community. We use technology to make business lending better. Real people with savings, alongside institutions and other investors, lending to great local businesses, at attractive interest rates. Great rates. Great returns. Everybody wins! www.linkedfinance.com

Coinhouse is the leading French platform for providing investment and payment services in Bitcoin and tens of other crypto assets.

InvoiceSharing is a free electronic invoices network with Accounting-Robot and an appstore with great products that use invoices to make businesses successful to lower cost and improve cashflow. Sharing makes any business successful. The InvoiceSharing team is committed to help companies with their cash and cost worries! The company is founded by entrepreneurs who built successful companies before, and understand the sleepless nights of clients paying late, while salaries have to be paid and high cost levels of administrative processes. We believe connecting companies and their systems and facilitate the distribution of electronic invoices can solve these worries! We provide an online platform where companies connect their accountings system or electronic invoicing platform. These companies send and receive electronic invoices directly from their system, via InvoiceSharing, to the client system (we consider PDF as electronic paper, not as an electronic invoice). We speak all the languages of all systems, platforms and suppliers. We made this process free! We are not an electronic invoicing platform! We connect systems and distribute invoices, for free. Our revenues come from the sale of premium products for ‘things’ that you can use with electronic invoices, and be successful. Our marketplace is stuffed with great products and services that you can use, but definitely don’t need to use. Successful for us means lower costs (e.g. automating invoice processing, reporting tools), better cash flow (e.g. connecting all providers of alternative financing). In addition we sell white label versions of the platform to banks, software companies and platforms that need electronic invoices for their product offerings. We believe in an open and connected world, where connected companies are more successful. Therefor each company is equally important for us to make the network better. We are here to help companies of any size!

Onfido makes digital identity simple. We make it easy for people to access services by digitally verifying them using its Real Identity Platform. The platform allows businesses to tailor verification methods to individual user and market needs in a no-code, orchestration layer – combining the right mix of document and biometric verifications, trusted data sources, and passive fraud signals to meet their risk, friction and regulatory requirements. Onfido Atlas™ AI powers the platform's fully-automated, end-to-end identity verification. Developed in-house for over 10 years, it’s how Onfido ensures its analysis is fair, fast and accurate.

We are not a crypto company, we are a traditional financial institution that understands the complexities and benefits of blockchain and crypto. We are actively working with regulators in a number of jurisdictions to further improve the industry’s regulatory framework. Through a tokenized ecosystem, Coinmetro provides users a friendly gateway, allowing them to get involved in the crypto and wider fintech space with an ease of access not yet seen in the industry. Our goal, above all else, is to make sure that our clients’ overall experience is nothing short of exemplary. Our team’s extensive experience in the finance, retail trading, compliance, IT and legal sectors gives us the perfect platform of knowledge to build upon. We understand the importance of regulatory compliance and this is a primary focus for us at the forefront of all business actions. Stemming from the founding team’s collective background in traditional finance, Coinmetro delivers a user-focused framework that offers mobility between blockchain-based digital assets and traditional markets, combining the three major components of the digital economy: a cryptocurrency exchange, a trading platform and an ICO platform. Join our Discord: https://discord.gg/coinmetro Join our Telegram Group for the latest news: https://t.me/CoinMetro

We want to democratise the power of money and change the way we all bank, pay and invest. We’re a bank, a financial technology company, a wealth management platform, a payment solution, an investment toolbox, a business accelerator. But we are not an organisation that defines itself by labels. We are defined by what we can do for our customers. In other words, we don’t try to make our customers fit in boxes. We build our services around them. We believe that you deserve more power from your money.

With Lydia's 100% mobile and digital current account: - Spend money abroad without any fee on payments nor withdrawals - Pay contactless anywhere using any mobile device (no amount limit, fully secured) - Manage all of your bank accounts from one single app - Send money instantly to a relative using their phone number - Pay online safely using unlimited Internet Cards - Set-up Shared Accounts to share expenses fairly (couple, flatshare, trip with friends) - Get notifications instantly to keep up with your expenses. ...and so much more!

Heard of composable banking? The concept originated here at Mambu. We’ve been champions of composable for over a decade. Mambu is the only true SaaS cloud core banking platform. Our unique and sustainable composable approach means that independent engines, systems and connectors can be assembled in any configuration to meet business requirements and the ever-changing demands of your customers. Over 280 banks, lenders, fintechs, and even retailers in 65 countries turn to us to help them build modern digital financial products faster, securely and cost-effectively. Ready to become a Mambuvian? Check our Jobs tab.

MeaWallet is a Norwegian company established in 2013. We are in the centre of excellence within mobile and digital payments and mobile wallets, providing state of the art certified technology in 18 countries. As one of Europe’s leading companies within mobile payments, we provide banks with a short time to market with high-quality products. In close relationship with Amex, Mastercard, Visa, NXP and other key organizations, we are at the forefront of the mobile payments space. We are an organization with a mix of seasoned and experienced subject matter experts together with young entrepreneurs that constantly challenges the technology. This combination has proven to be unique and given us credit with customers, partners and in the FinTech industry in general. MeaWallet serves mainly banks and other card issuers, through a proprietary platform-independent product suite, focusing 100% on tokenization technologies, supporting both global and local schemes without any geographical limitations. To learn more about MeaWallet visit our website https://meawallet.com/

At Mercuryo, we’re committed to creating novel, cryptopowered payments solutions that increase accessibility to seamless transacting in the digital age. In a world growing more globalised by the day, the need for affordable, cutting-edge fintech is more urgent than ever. We’re actively building financial technology to embrace the new paradigm - and help your business do the same. Mercuryo’s powerful feature set has been bundled into easily integrated, customisable products to help your business grow by providing a host of services including diverse payment methods, compliance and licence handling, and round-the-clock support. Our On- and off-ramps provide rapid, low cost payment rails for global transacting, amplifying your business’s reach and audience. Further, our Pay in & Pay out technology broadens the scope of payments methods, allowing businesses to accept both crypto and fiat payments. Our BaaS integration provides yet another resource-saving feature, allowing businesses to handle fiat processing via a single API integration, leveraging Mercuryo’s comprehensive global licencing. Since launching in 2018, we’ve partnered with over 200 major companies across the worlds of fiat and blockchain to aid their scaling journeys. Will yours be next?

Founded in 2015 in Switzerland, Metaco is an enterprise technology company whose mission is to enable financial and non-financial institutions to securely build their digital asset operations. The company’s core product, Harmonize™, is a mission-critical orchestration platform for digital assets. From asset-agnostic custody and trading to tokenization, staking and smart contract management, the platform seamlessly connects institutions to the broad universe of decentralized finance and Web3 decentralized applications. Metaco has established itself as the institutional standard for digital asset infrastructure, trusted by the world’s largest global custodians, banks, regulated exchanges, and corporates. Its software and technology solutions enable institutions to store, trade, issue and manage any type of digital asset – such as crypto and digital currencies, digital securities, non-fungible tokens (NFTs) – with the highest possible security and agility.

Minna Technologies is the global market leader for subscription management embedded in banking and fintech apps, partnering with top-tier banks, fintechs and subscription businesses. Minna is the only B2B2C platform with an automated subscription management engine, bank-grade compliance and the widest global subscriptions and payments coverage. We fuel the subscription economy, helping businesses grow revenue, reduce operational costs, and drive engagement, retention and lifetime value for over 50 million users.

MioAssicuratore è il primo broker assicurativo personale online in Italia. Ti aiuta a trovare, confrontare, acquistare e gestire comodamente da casa tua tutte le tue polizze, in modo estremamente semplice ed intuitivo. MioAssicuratore is an online insurance dedicated broker in Italy. It helps people find, compare, buy and manage their policies the easiest way.

MODIFI was founded with one aim - to make trade seamless and transparent for businesses around the globe. We are challenging the status quo for exporters and importers alike. With MODIFI they gain full control of cross-border trade -- against all odds of supply chain disruptions. How? We offer a one stop platform for business payments and trade management.

We are Mollie, pioneers in payments and one of Europe’s fastest-growing payment service providers. Our mission is to help businesses grow and democratise the digital economy by simplifying financial services. Already trusted by more than 130,000 businesses, our payments solution offers quick onboarding, transparent pricing, no lock-in contracts, leading and local payment methods, an extensive range of powerful plugins, local support, and more. If you have a question about a Mollie payment or purchase, see our Help Center: https://help.mollie.com/hc/en-us

We’re reimagining the way banking works. We make it easy to manage your money – wherever you are in the world. We create financial freedom for all of us who live, work, travel, study or send money abroad. We’re the mobile app alternative to the banks, offering accounts you can open instantly so that you don’t lose access to the money you need every time you cross a border on a map. We’re here for everyone, not just for those with perfect credit scores or the right set of utility bills. We push the boundaries daily with over 2 million sign-ups across 31 countries.

We’re a group of developers, financial experts, and optimists who share a vision for improving the financial wellness of people, their businesses, and their communities.

Financial peace of mind that makes you smile. At Moneytrans we are revolutionizing the way millions of heroes who have made the decision to migrate to another country store, spend and send money worldwide. *** We are a leading fintech company bringing more with less: we enable more than 10 million citizens of the world to manage their finances abroad, send money home and smile for a better everyday life! Our mission is to transform the lives of millions of migrants and their families by financially empowering them with the most complete, transparent and trusted financial services on the market: a superapp where they can open and manage a payment account plus debit Mastercard, send money in over 140 countries around the world, subscribe an insurance and much more. To take up this challenge, we count on a diverse and passionate team of over 400 employees spread into Belgium, Spain, France, Italy, Netherlands, Istanbul, Democratic Republic of Congo and Romania—and we’re still growing. Our leitmotiv: make the world a fairer place! Want to be part of the Moneytrans revolution?

Moonfare is a leading global private equity investment platform and manager that provides eligible individual investors and family offices on a global scale access to institutional-quality private market opportunities, primaries, secondaries, and co-investments at lower minimums. A pioneer in widening access to private assets, we help our clients build diversified portfolios designed for long-term wealth creation with reduced volatility. This goes beyond offering funds from top-tier managers such as KKR, Carlyle, and EQT. Drawing on our global reach, we are able to identify and source a broader range of private equity opportunities that others can’t, including proprietary Moonfare investment products comprising carefully curated co-investments, secondaries and direct deals. Independent and exclusively focused on private equity, Moonfare is trusted by over 5,500 investors and has €3.8 billion in assets under management (AuM). Headquartered in Berlin, we operate in 24 countries, with offices in New York, London, Zürich, Singapore, Paris and Luxembourg. Capital at Risk.

Morpher is a trading platform on the Ethereum blockchain that fixes trading and investing. Morpher empowers its users to trade unlimited assets with zero fees and infinite liquidity. Morpher’s fractional trading capabilities makes the financial markets accessible. Trade stocks in pre-market, weekends, holidays, and everything in between. Only with Morpher can you short Tesla with just $1 on a lazy Sunday afternoon.

Moss is a technology-enabled expense and financial management solution. With smart corporate credit cards, digital invoice management, and automated accounting, Moss allows companies to manage all of their spending easily and transparently. And efficiently drive their core business with digital workflows. Saving up to 16 hours of time per month, Moss enables finance managers, directors, HR teams, and operational staff to reduce repetitive tasks to a few clicks. With full control and minimal effort. Moss is intuitive and designed to meet the needs of modern businesses. Higher credit limits, company credit cards for all employees, accounting integrations, and controlling features already allow maximum spending transparency and make the whole company more efficient. With total funding of more than 130 million € to date, world-renowned investors are supporting our mission to become the leading platform for financial management in Europe. Businesses will be able to manage payments, financial processes, and cash flow efficiently on the Moss platform. This will enable them to lead their business to success in a data-driven way. Our ambitious team of experienced experts, entrepreneurs, and senior advisors is well on its way to making Moss the next-generation financial solution. Learn more at getmoss.com.

N26 is building the first mobile bank the world loves to use. Valentin Stalf and Maximilian Tayenthal founded N26 in 2013 and launched the initial product in early 2015. Today N26 has more than 7 million customers in 25 markets. Our team of 1500 employees work across 8 global office locations in Berlin, Barcelona, Madrid, Milan, Paris, Vienna and São Paulo. With a full European banking license, state-of-the-art technology and no branch network, N26 has redesigned banking for the 21st century and is available on Android, iOS, and desktop. Given the most recent funding round, we have raised close to $1.8 billion, being one of the most valuable and well-funded Fintechs in Europe. Social media imprint and privacy policy: https://n26.com/en-de/social-media-imprint-and-privacy-policy

Neonomics is a leading open banking disruptor unifying access to over 2,500 banks and 150 million bank customers across Europe via one of the most secure and cost-efficient pure PSD2 API platforms in the market. Authorized by the Norwegian FSA as a licensed payment institution the company is delivering payments initiation and account information services to a wide range of customers spanning FinTechs, payment service providers, banks and more. For more information about Neonomics visit at www.neonomics.io

NetGuardians is an award-winning Swiss FinTech helping financial institutions in over 30 countries to fight fraud. More than 80 banks, including UOB and Pictet & Cie, rely on NetGuardians’ smarter artificial-intelligence (AI) solution to prevent fraudulent payments in real time. Banks using NetGuardians’ software have achieved reductions of up to 85 percent in false positives, spent up to 93 percent less time investigating fraud, and have detected new fraud cases. NetGuardians is the fraud-prevention partner of major banking software companies, including Finastra, Avaloq, Mambu, and Finacle. NetGuardians was listed as a representative vendor in Gartner’s 2020 Market Guide for Online Fraud Detection and in the Chartis RiskTech100 List in 2021. Headquartered in Switzerland, NetGuardians has offices in Singapore, Kenya, and Poland.

Founded in 2016 by a group of security experts, financial business executives, and data scientists within Daftcode, a Poland-based venture builder, Nethone is today a challenger machine learning-based fraud prevention SaaS company that enables ecommerce merchants and financial institutions to holistically understand their end-users – also referred to as Know Your UsersTM (KYU). Thanks to our unique profiling solution that analyses unique hardware, software, device, network, behavioral, and fingerprinting data points on both web and native mobile app channels, and advanced ML technologies, we bring out to the payments industry a modularized approach that offers end-to-end protection at every step of the user journey from login to post-payment with no harm to UX. Our mission is to enable online businesses to thrive without risk-related friction across channels and successfully address a wide spectrum of fraud types, such as bot attacks, ATO, CNP fraud, or chargeback fraud while providing financial services companies and merchants with real-time actionable recommendations. We now solve fraud challenges for over 100 global eCommerce and financial industry players, such as BlaBlaCar, Azul, Grover, Ramp, Grupo Boticário, Wema Bank, and many more. In 2022, we joined MangoPay Group, a pan-European platform payment & wallet infrastructure provider, to offer enhanced anti-fraud capabilities catered to marketplaces and platforms. We also secured a significant EUR 75 million investment from Advent International to provide marketplaces with advanced capabilities to detect and counter complex fraud activities allowing them to create a safer environment and increase conversion rates.

Next Gate Tech is a fintech company specializing in the automation of data management and analytics for the financial sector. The company leverages the latest technologies, to provide clients with all their data from multiple unharmonized sources, as one consistent, consolidated, and independent source enabling them to streamline their day-to-day processes. Next Gate Tech SaaS solution leverages the harmonized datasets to provide its clients with meaningful signals based on smart analytics and insights from their assets which can be leveraged for different use cases such as NAV Oversight, Risk analytics, Investment Management supervision, Compliance or ESG.

Banking as a Service NoFrixion provides electronic money management and payment services, or colloquially, programmable money. The services are targeted at business customers and are delivered using a variety of Internet mechanisms including a web-based API. The initial forms of electronic money incorporated are Fiat currencies and the Bitcoin peer-to-peer decentralised digital currency.

The first free open banking data provider in Europe that provides regulated connections to more than 2300 European banks. Nordigen is a GoCardless Company.

Ohpen is a financial technology provider that offers modern core-banking capabilities for mortgage, loan, saving, investment and pension products. Using Ohpen's SaaS-based platform and advanced API's, financial providers can modernise their banking IT, streamline operations, create end-to-end digital banking experiences, reduce IT costs, evolve with changing regulation and much more. Ohpen's proven track record of delivering next generation cloud technology combined with their 300+ domain experts has helped ambitious brands across Europe optimise their IT set-ups and create future focused banking experiences for their customers. With Ohpen, financial providers have the freedom to create

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