20 Innovative Fintech Companies by category
FinTech can be defined as a combination of finance and technology and it’s giving rise to a new era of the financial industry. We selected a shortlist of 20 innovative FinTech companies aiming to revolutionise our economies and divided them in 6 categories 1) Payments, 2) InsureTech, 3) Blockchain & Cryptocurrency, 4) Personal Finance, 5) Lending, 6) Banking.
Lean more on what they do and their vision below.
01 PAYMENTS
Hype
Founded in 2015 from the experience of Banca Sella, Hype aims to simplify the exchange of money thanks to the smartphones: Hype allows you to send and receive money easily by selecting your contacts from the telephone book. Its vision is to become the reference point for digital payments in Europe.
Location: Italy, Milan
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Growish
Growish it’s a digital platform allowing to raise money for personal causes 
(birthdays, graduations, travels etc.) from a social network. Growish platform allows to create customised collection of money, to invite friends or parents to deposit their share and to transfer the collected funds on a bank account.
Location: Italy, Milan
AEVI International
AEVI aims to challenge the status quo of payments landascape.
AEVI has created an ecosystem that combines apps, payment
services and a multi-vendor selection of payment devices. Through a centralised payment platform, merchants are enabled to accept and process cashless payment transactions made through diverse payment terminals and from different countries.
Location: Germany
WorkInvoice
Workinvoice created and launched the first Italian online marketplace for invoice trading filling a gap in the traditional Italian working capital financing system. Workinvoice is currently matching the liquidity need by hundreds of SME with investment and return objective of several institutional investors who purchase trade receivables (invoices) as a new asset class.
Location: Italy, Milan
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02 INSURETECH
Coya
Coya is a well funded InsurTech Startup founded by Fintech Entrepreneurs and leading Insurance Executives. With a consumer-centric approach, Coya offers convenient, transparent, functional insurance products employing the latest technologies such as the AI throughout the value chain. Coya aims to become the European leading digital property and casualty insurance company.
Location: Germany, Berlin
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Axieme
It’s the first social insurance in Italy. Axieme cooperates with insurances adding and innovating the traditional insurance model: Axieme’s algorithm calculates a giveback for each virtuous policyholders based on the logic “few claims = high giveback”. Axieme aims to apply the sharing economy to revolutionise the insurance sector increasing its transparency and ethicality.
Location: Italy
Neosurance
Neosurance offers a digital platform that offers the best insurance coverage at the right moment. Through machine learning technologies, Neosurance can identify the opportunity and offer the purchase of an insurance coverage for a micro-event and for a short period of time.
Location: Italy
03 BLOCKCHAIN & BITCOIN
Conio
Conio empowers everyone to use Bitcoin: with the Conio ux-based Bitcoin Wallet, customers can purchase and sell Bitcoins through a wire transfer and using their credit card. Users can pay using Bitcoins in any shop that accepts them. Coinio aims to introduce Bitcoin in everyday life.
Location: Italy, Milan
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Neutrino
Founded in 2016 by a team of cyber experts, thanks to proprietary technologies, Neutrino develops solutions for monitoring, analysing and tracking cryptocurrency flows across multiple blockchains, providing actionable insight on the whole cryptocurrency ecosystem.
Location: Italy, Milan
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Paymeabit
Paymeabit is a pioneer of nanotransactions in bitcoin and aims to change how online content gets rewarded. Paymeabit allows users to transfer to bits (fractions of bitcoins) to content creators for every blog post, video or picture like.
Location: Italy
04 PERSONAL FINANCE
Taxfix
Its vision is to make tax declaration easier. Taxfix allows everyone to file taxes in 25 minutes on the mobile phone, without any knowledge about taxes, no stress, and no forms. You will find a tax-language easy to understand and a chat-like interface to guide you through the process.
Location: Germany, Berlin
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Liqid Investments
Liqid is the next generation of private wealth management. Liqid offers a range of investment strategies developed in partnership with HQ Trust, the multi-family office of the Harald Quandt family one of the largest and most established in Europe. Its vision is to revolutionize the European wealth management industry by combining the best of the “old” and the “new” world.
Location: Germany, Berlin
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Ovalmoney
Ovalmoney provide a platform that teaches customers to be wiser with their savings: through an anonymous analysis of spending and saving of its users, Ovalmoney and its experts generates tips and tricks to make spending easier.
Location: Italy
Moneyfarm
Moneyfarm is a digital wealth manager that helps people protect and increase their wealth through time. Moneyfarm operates in both Italy and the UK, offering simplified advice and discretionary investments to thousands of customers: it identifies its users’ investor profiles through an online questionnaire and offers them one of 12 diversified investment portfolios tailored to their profiles.
Location: Italy, (Milan, Cagliari, London)
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05 LENDING
Younited Credit
By allowing investors/borrowers to lend/borrow mutually, Younited Credit avoids complexity and charges that are associated with the traditional bank system.
The savings and profits realised, benefit directly the investors and borrowers that are therefore exempt from going through banks. Younited Credit Vision is to change the Bank system to make it fairer and clearer and fulfil the goal of becoming the pan-European leader in consumer credit by 2020.
Location: Italy, Rome
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Smava
Smava offers is an online loan comparison platform that aims to make credit fair and transparent. Smava provides an overview of 70 loan offers from 25 different banks allowing borrowers to choose the most valuable offer for them.
Location: Germany
Auxmoney
Auxmoney is a peer-to-peer loan marketplace where customers can have their borrowings secured directly from private investors. Auxmoney aims to make the loan market more transparent by eliminating the complexities of the traditional banking loan system.
Location: Germany
06 BANKING
N26
N26 has redesigned banking to make it simple, fast and contemporary. N26 partners with the most innovative fintech and traditional financial companies to offer its customers best-in-class products such as TransferWise (foreign exchange), Raisin (savings), Clark and Allianz (insurance), auxmoney (credit) and others.
Its vision is to create the first pan-European bank and make banking more simple, functional and enjoyable.
Location: Germany
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Figo
Figo is the first Banking Service provider, it aggregates data from over 3,100 banks and financial institutions. Its sophisticated platform ‘Banking as a Service’ connects modern services with more than 55 million online banking accounts in Germany and Austria.
Location: Germany
Monzo
Monzo has developer a new kind of bank entirely smartphone based. With nearly 1 Million of users, Monzo is dedicated to those who wish to get things done in 1-click. In August 2016 Monzo has become a regulated bank, and a team of more than 300 work from the headquarters based in London and remotely around the world: it strives to become the best account back in the world.
Location: UK, London