ICON | Hot 10 2017

Home the fintech 50 Hot 10 2017

Meet The HOT TEN 2017

This year our panel looked at over 1500 FinTechs across Europe, which made selecting 50 a very tall order. If selecting fifty was a tough call, we did all agree that these ten highly enterprising innovators deserved a special mention. Meet our – additional – ones to watch for 2017.

All Back Office Asset/Risk Management Banking Big Data / Information Consumer Finance Comms & Compliance Crowd Funding Customer Experience Enterprise Software InsurTech IT Service / Solutions Lending Office Ops Payments Security Trading & FX Misc InsurTech Analytics Trading Remittance Savings Debt Crowdfunding

Reset all filters

10x

Agent of Change w: 10xbanking.com t: @10xbanking CEO: Antony Jenkins Founder: Antony Jenkins Founded: 2016 Sectors: Banking (Core) HQ: London, UK Unveiled in 2016 by former CEO of Barclays, Antony Jenkins; 10x promises to radically shake up the banking world, optimizing advanced technology to transform how banks operate and engage with customers. 10x’s vision is clear; banking needs to be simple, flexible, secure and always ten times better! Revealing its first client as renowned challenger bank, Virgin Money; 10x aims to drive a new standard in customer experience and be a catalyst for change in the industry.

Sector:

10x https://www.10xbanking.com/

Clear.Bank

Agent of Change w: Clear.bank.com t: @Clear_Bank Executive Chairman / Founder: Nick Ogden CEO: Charles McManus Founded: 2016 Sectors: Banking Latest funding: £25M, announced February 2017 HQ: London, UK

ClearBank®, founded by WorldPay founder Nick Ogden, is the UK’s first new clearing bank in more than 250 years and plans to create a new level of open competition and transparency within the UK financial services marketplace. Described as a "bank for banks," ClearBank will not offer any services to consumers, instead offering payment processing and core banking services to fintech startups, credit unions, building societies, and other challenger banks.

Sector:

Clear.Bank

Bud

Agent of Change w: thisisbud.com t: @this_is_bud CEO: Edward Masleveckas Founders: Edward Maslaveckas, George Dunning Founded: 2015 Sectors: Financial Services Marketplace HQ: London, UK

Bud is aiming to rebundle a fractured FinTech landscape by making disparate financial services and apps work better together. The London-based start-up wants to make it easier to move money around from one supported service to another without ever leaving the Bud app. An app and website, Bud helps consumers find and use the most helpful financial products. By choosing their own services, consumers can build their own banking experience. Bud has partnered with a number of FinTech startups, such as Nutmeg, Azimo and PensionBee , in addition to some of the larger players including Western Union.

Sector:

Bud

Cleo

w: meetcleo.com

t: @meet_cleo CEO: Barney Hussey-Yeo Founders: Aleksandra Wozniak, Barney Hussey-Yeo Founded: 2015 Sectors: Personal Finance Management Latest Funding: $700k Angel January 2017 HQ: London, UK

Cleo wants to reduce the complexity and increase the transparency of financial services for a new generation. The “financial assistant” for young professionals and graduates powered by AI, Cleo is a chatbot accessed via the Cleo app or Facebook Messenger and through integration with Amazon’s Alexa and Google’s Google Home. Users can chat to Cleo via text or voice to interrogate bank account and credit card data in order to keep track of spending and budget better. Angel investors include Niklas Zennström. co-founder Alex Chesterman, Wonga co-founder Errol Damelin.

Sector:

Cleo https://meetcleo.com

Deposify

Access to Finance w: deposify.com t: @Deposify CEO: Jon Bayle Founders: Jon Bayle, Tony Kelly Founded: 2015 Sectors: Property - Escrow Latest Funding: $1.53M Seed March 2016 HQ: Dublin, Ireland

In the US and Ireland, security deposits cause problems for everybody involved when renting property – from landlords and tenants to leasing agents and property managers.Deposify is an escrow service for security deposits that lets landlords and tenants manage and control how and when deposits are paid and resolve deposit related disputes quickly and cheaply.

Sector:

Deposify http://www.deposify.com/

Governance.io

Agent of Change w: Governance.io t: @Governance_io CEO: Bert Boerman Founders: Bert Boerman, Rob Boerman Founded: 2016 Sectors: Investment Fund Platform HQ: Luxembourg

Governance.io enables Investment Fund Professionals to deal with regulatory requirements effortlessly. We make it simple for you to collect, connect and control any data or document. The result is unprecedented transparency of your governance processes, secure access to your data wherever you are, simplified regulatory controls and the possibility to collaborate internally and externally in real-time. Think of data & document management, data visualisations, workflows, reporting, due diligence, meeting management, boardpack distribution and much more. At your fingertips, all the time. We believe that regulatory compliance should not be a burden, but a source of business intelligence that makes you the best in your business. Governance.io makes this happen. And because regulatory requirements change constantly, so does Governance.io. All clients benefit from complete data flexibility and frequent updates with new features and enhancements that can be deployed on-premise or in a private cloud without any interruption of business operations."

Sector:

Governance.io

NX'Change

w: Nxchange.com t: @NxchangeSupport CEO: Marleen Evertsz Founder: Marleen Evertsz, Geesje Boon Founded: 2016 Sectors: Capital Markets HQ: Amsterdam, The Netherlands

Nxchange introduces a next generation stock exchange for direct trading in securities between companies and investors. The Amsterdam-based startup operates under a licence issued by the Dutch Ministry of Finance as a regulated market. Nxchange makes it possible to place and trade securities on a regulated platform without the intervention of a bank or broker being required. Companies can activate their network and communities to raise capital both on the central trading platform of Nxchange and using an integrated module on their own websites. A traditional IPO is usually an expensive and complex matter.

Sector:

NX'Change

MeteoProtect

Access to Finance w: meteoprotect.com t: @meteoprotect_en CEO: Gabriel Gross Founders: Founded: 2011 Sectors: Insurance HQ: Paris, Ile-de-France

Meteo Protect provides companies around the globe with customized insurance solutions to help offset the financial impact of climate change. Dedicated exclusively to weather risk management, the French startup monitors weather and analyses its history to help business adjust their insurance models. Clients range from agriculture to the financial sector and it helps wind energy utilities to cover the risk of low average wind speed. Meteo Protect also protects food processing companies that buy commodities against the impact of weather.

Sector:

MeteoProtect meteoprotect.com

Post Quantum

Essential Service w: Post-Quantum.com t: @Post_Quantum CEO: Andersen Cheng Founders: Andersen Cheng, Martin Tomlinson, CJ Tjhai Founded: 2010 Sectors: Cyber Security Latest Funding: $10.3m Series A May 2016 Lead Investor: AM Partners / VMS Investment Group (HK based) HQ: London, UK

Post-Quantum’s mission is to protect the world’s information against today’s threats and tomorrow’s challenges. The company wants to ensure its clients can carry out their operations safely and securely, with trust and confidence in all their activities. With many years’ intensive R&D, the London based cyber security start-up was among the cohort in Barclays’ London FinTech Accelerator in 2015. By embedding its unique cocktail of micro service modules into a system, it offers end to end quantum-safe security to clients including the UK government, Nato, Barclays and other financial services companies against cyber attacks.

Sector:

Post Quantum https://www.post-quantum.com/

DataSine

w: d atasine.com

t: @Data_Sine CEO: Igor Volzhanin Founded: 2015 Sectors: Analytics HQ: London, UK

DataSine offers a client segmentation tool combining Big Data and psychometrics to help financial institutions understand their clients. It seeks to revolutionise the way financial institutions evaluate clients, build portfolios and measure risk.

Sector:

DataSine http://datasine.com/

Meet The HOT TEN 2017

10x

Clear.Bank

Bud

Cleo

w: meetcleo.com

Deposify

Governance.io

NX'Change

MeteoProtect

Post Quantum

DataSine

w: datasine.com

w: d atasine.com