These are the Top Fintech (Financial Technology) Companies in Finland (2021)

Holvi

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Holvi is banking for Makers and Doers ­ built by entrepreneurs for entrepreneurs. It’s a current account combined with Holvi Business MasterCard.

With Holvi you can manage everything from selling online and invoicing customers to managing expenses and automating bookkeeping. All in one simple­to use­offering.

Holvi is built for starting, running, and growing a business. Holvi is a licensed Payment Institution, not a traditional bank.

We are authorized by the Financial Supervisory Authority (FSA) of Finland for operations across the EU.. .

Enfuce

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Enfuce offers payment, open banking and sustainability services to banks, fintechs, financial operators, and merchants. By combining industry expertise, compliance and innovative technology, they are delivering long term and scalable solutions fast and securely.

Established in 2016, Enfuce employs over 50 driven professionals in the Nordics and has close to 10 million end-users on their platform.. .

Mash

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Mash has been at the forefront of FinTech innovation since 2007. We leverage our advanced proprietary algorithms, machine learning capabilities, and automated platform to deliver superior finance and payments solutions to thousands of customers every day.

We work hard for a future powered by technology, making every transaction seamless, flexible and worry-free. Today, Mash is one of Europe’s leading FinTech companies.

Mash.com. .

Invesdor

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Invesdor is a pioneering fintech platform based in Northern Europe. Invesdor.com helps investors big and small from more than 70 countries find ambitious European growth companies and invest in them easily and securely.

Invesdor was founded to eliminate the friction associated with raising funds and make investing in new ventures possible for everyone. Invesdor’s clients include private and publicly traded companies from Finland, Sweden, Norway, Denmark and the UK as well as investors from more than 70 countries.

Invesdor has offices in Helsinki and Stockholm.. .

ReceiptHero

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ReceiptHero API platform delivers receipts from merchants to your banking apps

Zervant

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– Zervant offers a market leading online invoicing platform with integrated payment and financial products for micro enterprises across Europe. – Zervant was founded back in 2010 and is based in Espoo (Finland).

– Zervant’s current core markets are Finland, Sweden, the UK, France, Germany, Belgium, and Austria.. .

Cooler Future

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Cooler Future is a fintech startup developing transparent and effective impact investment solutions for the climate-conscious generation.

Loudspring

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Loudspring is a cleantech accelerator in the Nordic region, boasting several fast growing and high impact companies that solve global challenges. The portfolio companies are active in energy- and resource efficiency as well as decentralized renewable energy and are based in Finland, Sweden and Germany.

The company management consists of company builders and investors who have been active within the cleantech space for over a decade.The company is listed on First North Finland under the ticker LOUD and on First North Stockholm under the ticker LOUDS.. .

Tapp

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Tapp is ‘Here for Good’ to democratise commerce. Through apps and services, Tapp is connecting ALL people to commerce and the opportunity it brings to improve the quality of life for everyone.

Tapp has developed and operates a scalable secure payment processing platform that is autonomous of any existing global banking eco-system. The peer-to-peer commerce network enables people without bank accounts or credit cards to use CASH to pay goods and services.

Tapp mission is to be the leading commerce exchange network managing cash logistics and the digitisation of value.. .

B2B Pay

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B2B Pay offers virtual bank accounts for companies that exports into Europe which collects payments domestically. Its mission is to make international business transactions as quick and as cheap as possible with complete transparency about costs.

It simplifies the bureaucratic process and eliminates the need for back and forth paperwork. The partners of the company are BARCLAYS, techstars, Nordea Startup Accelerator, Nestholma Venture Accelerator, and Tekes Venture Capital.

B2B Pay is a Finland-based company that was founded in 2015 by Neil Ambikar and Kasper Souren.. .

LVS Brokers

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The mission of LVS Brokers is to connect every customer with the best financial service providers for them based on the customer’s individual needs. The AI based brokering process is fully automated and acts as a mediator for any kind of financial services.

LVS Brokers has already helped half a million consumers connect with more than 50 financial institutions in Europe through the Money API. LVS Brokers is recognized by Financial Times as the 8th fastest growing FinTech in Europe and has more than $10 million in annual revenue..

Enterpay

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Lasku yritykselle helps companies boost their online commerce. It is the first invoicing service designed solely to meet the needs of online trade between companies.

It provides an easy and safe way to invoice all business customers, even the new ones. For the company buying online, invoice, especially e-invoice, is by far the most efficient way to pay.

Lasku yritykselle service is provided by Enterpay Oy. We are an innovative start-up founded in 2013 with a unique business idea.

Follow us to find out what’s happening in B2B, ecommerce and online payments.. .

Bankify

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“71% of Millennials would rather go to the dentist than listen to what banks are saying” (Aba,2018). Digitalisation is changing the way banking services are being consumed and, consequently, banks are losing their relevance in the eyes of young consumers.

We offer a set of microservices tailored to Millennials, which are designed to improve the user experience of our partners’ digital/mobile banking solutions. Our products have a proven track record of increasing consumer acquisition and engagement through personalisation, education and social sharing.

The customisable microservices can be implemented as a white label mobile solution or through the integrated model using APIs or SDKs.. .

Inside Secure

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MePIN is a white label strong authentication platform for large service providers and a ready-to-go authentication service for small and medium sized online services. MePIN secures online identities and payments with complete flexibility; choose your authentication methods and policies, or offer them all for the end-users to choose from.

Integration is easy with the unified MePIN Services API. Meontrust Inc is an independent cybersecurity specialist company based in Finland.

Since the founding in 2010, the company has grown to an international solution provider with customers and partners all around the world. The company is funded by independent investors from USA, Hong Kong and Finland, and is a member of MasterCard Start Path and FIDO Alliance.

Further information is available at www.mepin.com.. .

REDi Ai

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REDi Ai is a financial technology company developing next generation value transfer solutions. Our main product – the REDi Go platform, is an AI powered finance grid built on a novel propriety protocol that puts the power of a bank in your pocket.

Now taking care of your day-to-day finances is as easy as sending a message to a friend. Features of REDi Go will include instant money transfer, free cardless payments, and smart digital rewards from your purchases.

Our future services will grant you access to a free AI financial assistant, credit and more. Welcome to the future of finance!.

kontoor

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Semantic neurocomputing (deep neural networks) enables to truly understanding of the news flow and helps to discover the hidden data. Kontoor learns to think like a trader by observing all news, events and markets so that investor may sleep well.

Kontoor becomes an always vigilant super-assistant for investors. Ultimately, “investment research” will be created from the news flow like an investment analyst would..

United Finance

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United Finance is a FINTECH company enabling businesses to change their earnings to Subscription revenue models. This megatrend means that products and services are sold with a monthly plan – simple! This transaction is invariably a complex transaction, where involves several parties – service provider, wholesaler, financier and payment service provider.

We have solved this complexity with a dynamic Smart Contract platform. After 2 years of operations our revenue growth was 220 % and we managed €10 million of subscriptions..

iconicchain

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We turn regulatory compliance into an automated, real time process by using private, high speed, secure distributed ledgers

KleverApp

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KleverApp understand how important it is to protect your banking and account information. They take your security seriously and they are continuously working on improving and ensuring the safety of using Klever.

Your card information is protected by our PCI-certified partner Solinor. As long as you keep your login credentials safe, Klever is as secure as your mobile bank..

CrediNord

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CrediNord is the AISP licensed online platform for business lending aimed at SMEs and Micro-Enterprises. We are on the mission to reinvent business lending in Europe.

CrediNord is designed to solve business owners cash flow challenges allowing them to focus more on their core business. Today, CrediNord offers more clever business lending solutions than traditional banks & lenders.

These lending solutions can be approved online in minutes via our website – www.credinord.com. CrediNord’s story rises from the stories of deep frustrations among business owners with inadequate lending services from traditional lenders.

Our founders all thought that getting a business loan for one’s company should not be hard, complicated and time consuming. Inspired by that, since early 2019, the founders have been on a journey to re-invent lending services for small businesses..

Fellow Finance Plc

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Fellow Finance Plc is the largest crowdfunding platform in Northern Europe in terms of intermediated capital indicating safe transactions between borrowers and investors. Our digital lending platform enables companies and consumers to apply financing directly from lenders at market-based pricing.

In fact, we are the only crowdfunding service in the eurozone that provides the possibility to invest in both consumers and business loans via the same platform. Fellow Finance is an Authorized Payment Institution supervised by the Financial Supervisory Authority of Finland and it is listed on Nasdaq First North Finland.

The biggest owners are the founders of Fellow Finance and Taaleri Plc listed on Helsinki Stock Exchange. Fellow Finance is headquartered in Helsinki, Finland..

Selma Finance

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Selma is the smart & friendly financial assistant for investment newcomers and experts who simply have better things to do then managing their money. Selma is the easiest way to take care of your investments and your pension savings.

Selma helps you figure out the right plan that matches your life, monitors financial markets and takes care of your money for you, so you can focus on more interesting things than managing your finances.. .

Skenario Labs

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Skenario Labs offers intelligent property analytics for real estate owners, asset managers, and financial institutions. Skenario Labs is an AI-driven real estate analytics company specialized in providing automated property valuation and technical risk assessments for both residential and commercial real estate.

Its clients range from asset managers, property owners, and financial institutions, just to name a few. The company is funded by innogy Innovation Hub and is expanding towards international markets.

The company’s AI-powered database already contains data from over 16 million properties globally. In other words, its platform already produces accurate insight derived from reality and tells our customers in the real-estate sector in detail where to invest..

Kredit Finance

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Kredit Finance is a Finland-based fintech company that focuses on AI-based SME lending in the Nordic countries.

P3 Cloudasset

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P3 Cloudasset offers platforms for digital payments, future commerce, insurance, and banking.

Aion Sigma

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Aion creates a Trust Score based on alternative data to millions of underbanked people. Aion’s go-to-market is Phones and Loans program, which bring the financiers mass market agent retail opportunity.

Aion’s service is based on decentralized financial identity based on Trust Scoring, loan origination, and collection management. An MVP is live in Nigeria.

Aion’s open ecosystem open scales our business. It is open to credit scorers, financiers and telcos..

Exidio

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Exidio is a Fintech company with a focus on improving cashflow and treasury control and management

riskrate

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a superior 30-90 days Cash forecast for Cash people

ZenTreasury

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ZenTreasury is a FinTech and SaaS company. We provide cloud treasury and lease accounting software.

Fixura

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Fixura was launched in 2010, but our business concept is ancient. People have always borrowed money from each other and taken an interest on the sum.

Today’s technology can be used to diversify risk and easily connect loan seekers and investors. They are part of the international sharing economy – a phenomenon in which a completely new forms of financing are growing alongside the banks and traditional financial institutions.

They only pass on existing money so we are in favour of a more stable and secure economy.. .

FabricAI

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FabricAI uses Intelligence Augmentation to remove repetitive tasks from accountants work thus enabling the human side to do what it does best – make critical decision on the data that has been digested by artificial intelligence. FabricAI’s Artificial Intelligence recognizes the respective accounts and VAT’s by individual rows.

The accountant has to only skim and confirm the recommendations provided FabricAI speeding up the accounting process by 10x.. .

Voima Gold

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Voima Gold is a fintech company offering gold-backed accounts that allow clients to securely buy, sell, store, deposit and withdraw gold.

Education Finland

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Not available.

Evoir

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FinTech

Euroloan Consumer Finance PLC

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Euroloan Consumer Finance PLC provides instant consumer credit (short-term financing for private customers).

Startup Sauna

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Startup Sauna is an accelerator focusing on raising the valuation of seed-stage startups. The accelerator provides hands-on help with fundamentals, achieving investment readiness and meetings with investors and potential customers.

Startup Sauna is a brand for an international community of entrepreneurs, investors and industry experts who want to give back to the ecosystem. Hence the accelerator is zero-equity.

The community has been accelerating founders since 2010.. .

The Ferratum Group

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The Ferratum Group is a pioneer in the area of financial technology and mobile lending listed in The Prime Standard of The Frankfurt Stock Exchange. Ferratum offers customers a fast, easy to use mobile lending and banking services for consumers and businesses.

Customers of Ferratum Group can utilise digital media to apply for consumer credit in amounts varying between EUR 25 and EUR 3,000. Moreover, Ferratum offers successful small businesses instalment loans with a term of six to twelve months.

Managed by its founder Jorma Jokela, Ferratum has expanded rapidly since it was founded in 2005. The Group has 1.2 million customers who have been granted one or more loans in the past and 3.5 million total user accounts in its database.

Ferratum Group is represented in 25 markets in Europe, Australia, New Zealand, Canada, Mexico, and Nigeria.. .

VertaaEnsin.fi

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VertaaEnsin.fi is the leading financial comparison platform in Finland.

Norvestia Growth Equity

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Norvestia Oyj is a Finland-based company active within the investment sector. The Company primarily invests in listed Nordic shares, equity funds, hedge funds, bonds, in the money market and in industrial investments.

Its strategy is twofold and consists of market and industrial investments, with the emphasis differing according to market circumstances. The Company’s portfolio includes listed shares of such companies as Fortum Corporation, Elisa Corporation, Norkia Corporation, Nordea Bank AB, Sampo Plc, and UPM-Kymmene Corporation..

YellowMay

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Global Window-Shopping for insurances

TAVIQ

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We help private bankers to get more clients. TAVIQ Profiler is a digitally enhanced way to acquire private banking clients.

Our investor profiling is a simple way of getting to know your private banking client’s needs and preferences before meeting them. It allows private bankers to understand potential clients better, and to deliver them what they need while building trust and rapport from the first client interaction.

Increase sales ✔ Know what your potential client needs and how to sell it to them Have better meetings ✔ Know how to prepare for meetings and make clients more engaged Offer a great client experience ✔ Give a great client experience from the first interaction. .

Eone Oy

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Eone is a FINTECH company from Finland. They offer a marketplace for banks, loan providers and insurance companies.

Their technology connects consumers to lenders and other service providers from the industry. They offer a wide range of financial services which enhance the daily lives of consumers whilst bringing cost savings.

Eone´s main focuses are personal loan and insurance brokerage which are operated by self-engineered financial technology. Their services and tailor made systems work seamlessly with several banking and financial institutions.

Their vision is to give the outstanding value to the consumers which are seeking financial products. They are constantly developing their online services and real time technology to stay at the forefront of the financial technology in the future..

Nordic XR Startups

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Nordic XR Startups offers participating startups equity investment, mentorship opportunities, workspaces, and back-office services.

Finnish Fintech Ecosystem

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Finnish Fintech Ecosystem is to develop innovative, value added services for the end- customers.

Fair PtP cover

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They are a fintech company founded in April 2016 in Helsinki. Fair strives to create a global consumer brand, applying a new disruptive insurtech model, and sharing economy principles.

Fair is not a traditional insurance company. Peer Protection is Fair’s first business area..

Mobey Forum

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Mobey Forum is the global, non-profit industry association empowering banks.

Salaxy

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The company was founded 2013 to make salary payment easy for households. They wanted salary payment to be as easy as sending an email: no need to study or contact authorities.

Salary payment and all the bureaucracy should be handled with just one online bank payment! They opened Palkkaus.fi service August 2014 and it received excellent customer feedback right from the start. It now has more than 10 000 users in Finland.

Salaxy is based on Their extensive experience on digitalization of salary payment processes and Palkkaus.fi service. Salaxy has now evolved into a separate platform product Salaxy is a could-based real-time salary payment service with fully open APIs.

Any internet service can integrate salary payment into their own consumer experience.. .

InvestorEye

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InverstorEye is a Finnish fintech startup

Fintech Finland

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Fintech services in Finland and help Fintech companies grow internationally.

Get Mezzanine Financing

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Get Mezzanine Financing is an information hub for all your mezzanine financing needs. Whether you are just trying to learn about mezzanine financing, or you actually want to arrange this subordinated form of financing for your company, they want to make your life easier.

There is now an extremely high demand for non-bank and non-equity type of financing, especially from the middle-market companies. In fact, the demand has never been elevated to current levels.

Since the 2008 financial crisis, the lending activity of banks traditionally active in middle-market segment has significantly dropped. Furthermore, as ever, often closely-held or family-run middle-market companies don’t want to tap into external equity investor funds to avoid the risk of losing control of their businesses.

Consequently, the elevated interest in mezzanine financing is well-justified. Subordinated financing is thus in great demand, and they are here to help you arrange this form of capital.

They realize that many of you who are interested in getting mezzanine financing do not know what is required, or what the exact steps you must take in order to obtain it. Additionally, many of you who, for example are experienced CFOs, already are familiar with different forms of junior capital financing may want to receive additional information that is also more actionable, useful in practice or giving broader overview of different financing options that are feasibly available..

Teemuaho

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Teemuaho offers accounting services and firmware for financial planning. The company supports the ability of entrepreneurs and the corporate management to make decisions.

It offers Web-based reporting, financial management outsourcing and accounting agency, financial planning services and tools, electronic financial management, consultation, and controller services.. .