French fintechs serving banks, insurance companies and financial institutions
France FinTech and Julhiet Sterwen, strategy, transformation and innovation consultancy introduce you to fintech, insurtech and regtech at the service of financial institutions.
The infographic below explores in depth the collaboration dynamics between fintech and traditional banking players. Each area represents an opportunity to adapt to the requirements of a sector subject to permanent developments and to find new levers of competitiveness.
Discover the editorial by Sophie Madet, Partner and Oumaima Kji, Senior Consultant at Julhiet Sterwen:
EDITORIAL JULHIET STERWEN
Innovative, driven by the diffusion of new technologies, fintechs have acted as catalysts for change in the financial landscape. They have disrupted customer expectations in terms of offers and uses of banking services. Their growth has reshaped the standards of the financial sector, encouraging traditional players to rethink their strategies.
Two types of fintech have emerged: those that offer financial services to end customers, then those that offer services to the financial sector. The former have historically been driven by the growing divide between consumer expectations and conventional banking offerings. They first based their model on direct distribution (B2C) of specific offers, unknown to established players, or neglected by them. They have made it possible to develop new uses of banking services, thanks to which they have been able to capture part of the banking clientele.
Faced with this wave, the reaction of establishments was not long in coming. To increase their attractiveness, they have set up commercial partnerships with fintechs to integrate offers. Fintechs have thus made a strategic pivot towards B2B2C. From competitors, they became partners. Equally promising, industrial partnerships have now become commonplace.
Fintechs combine banking expertise, agility and mastery of technologies. These assets allow them to develop an offer in specific segments of the value chain for which they benefit from a real competitive advantage.
They are able to effectively respond to various needs of banking institutions. The first significant illustration of this complementarity is the rise of regtech. In particular, they offer innovative KYC (Know Your Customer) solutions, which enable banks to comply more effectively with regulatory requirements. This collaboration not only ensures better security of customer identity verification processes but also improves the customer experience. Another illustration of the value creation brought by fintech expertise is the provision of decision support tools, known as “Decisioning as a Service” (DaaS). These fintechs simplify financial institutions' access to advanced decision-making technologies via APIs. By adopting this type of easily deployable tool, financial institutions improve their risk management.
The infographic below explores these collaboration dynamics in depth. Each area represents an opportunity for traditional banking players to adapt to the requirements of a sector subject to constant change and to find new levers of competitiveness.
Sophie Madet
Partners
Julhiet Sterwen
Oumaima KJI
Senior Consultant
Julhiet Sterwen
Regtech
The current period is marked by significant regulatory developments (AMLR, PSR, MiCA, DORA, Data Act, AI Act etc.) whose precision and complexity are increasing considerably. These regulations have contributed to the emergence and development of new activities for fintech linked to regulation. Regtech offers SaaS (Software as a Service) solutions, particularly in the area of compliance and regulatory reporting. Taking the ESG dimension into account requires finding suitable tools and receiving support. This creates opportunities for fintechs.
To meet regulatory reporting and extra-financial communication requirements
Amalthea is the technology platform that helps financial institutions achieve their Net Zero transformation (regulatory reporting, customer transition and climate-related financial risk management).
amaltheafs.com
FINGREEN AI is an ESG reporting solution for private markets.
fingreen.ai
Greenly is an all-in-one platform dedicated to all companies wishing to measure, manage and reduce their CO2 emissions.
greenly.earth
Greenscope offers a one-stop shop solution for ESG for companies and investors by combining ESG reporting tools, regulatory expertise (SFDR, Taxonomy, CSRD) and impact measurement (GHG and biodiversity).
greenscope.io
Homiwoo is a fintech specializing in big data and artificial intelligence for real estate markets which provides prices, rents and financial indicators for real estate funds and financial institutions.
homiwoo.com
Calculation of ESG impact on financial portfolios
icebergdatalab.com
Sweep is a carbon management platform, making it easy to understand, manage, and reduce your carbon footprint. Its Sweep for Finance solution supports financial players in the management and reduction of their financed emissions.
sweep.net
Valueco is a mission-driven company that explicitly integrates ESG criteria into company performance.
Valueco collects proprietary ESG scores from asset managers to capture market sentiment on listed companies.
valuecometrics.com
WeeFin is an impact fintech aimed at professional investors. Their SaaS ESG Connect platform allows them to maximize their impact on the planet by easily integrating sustainability indicators into their investment strategy.
weefin.co
To comply and secure your processes
(customer knowledge, internal control)
AML Factory is a regtech, specializing in the “Fight Against Money Laundering and Terrorism Financing”. The SaaS platform allows customers to be compliant via Compliance Management, KYC and TMS modules.
aml-factory.com
Archipels offers a certification and verification platform for documents and data on a sovereign blockchain infrastructure, operated by a consortium formed by Caisse des Dépôts, La Poste, EDF and ENGIE.
archipelagos.io
BeCLM is a French regtech dedicated to anti-money laundering tools (AML, LCB-FT).
Their SaaS API solutions are offered to regulated sectors: insurance, banking, mutual insurance, finance, payment.
beclm.com
Dotfile is a regtech created in 2021 within the start-up studio eFounders. They offer a SaaS solution to financial and fintech institutions, allowing them to automate the verification of their counterparties and comply with AML-CFT.
dotfile.com
Imerale is a solution that simplifies customer risk management for B2B financial institutions.
imerale.com
Mitrust is a trusted intermediary for sharing and filtering personal data. MiTrust allows users to filter and share trusted personal data directly from regulated data sources to online sites.
m-itrust.com
Netheos is a trusted third party and a SaaS software publisher. Its technologies help companies solve their remote contact problems through identity verification and credential control.
netheos.com
Neuroprofiler offers a financial education platform as well as solutions for assessing investor risk profiles based on behavioral finance and gamification
neuroprofiler.com
Ondorse allows verifying commercial identities in company records, validating KYC of related persons, carrying out checks against PEPs, sanctions, unwanted media lists and assessing various fraud risks. The platform is connected to leading ID, AML/CFT and credit verification providers.
ondorse.co
Poly Swan Tech aims to provide governance and risk management solutions for the banking and insurance sector. The first project concerns a risk indicator management tool.
polyswantech.com
QuickSign is a SaaS platform that certifies access to financial services at scale to simplify the relationship entry journey.
quicksign.com
ShareID is a strong authentication solution using official identity. It is the equivalent of an identity check carried out by the authorities in real time, with a simple smile and without ever storing personal or biometric data.
shareid.ai
VIALINK is a regtech specialized in the digitalization of regulatory business processes. They automate, secure and make critical and complex customer journeys more reliable across all channels thanks to digital.
vialink.fr
Pocket Result provides an analytical SaaS solution for governance, risk management and internal control.
pocketresult.com
Calixys is a SaaS software publisher, specializing in processes for controlling and automating financial transaction reconciliations. Thanks to powerful and precise solutions, the Calixys team supports companies in implementing agile and effective strategies to optimize their financial management.
calixys.com
Bewai is a solution integrating AI that automates the processing of supporting documents until the decision: categorizations, extractions, controls for banking, brokerage and insurance.
bewai.com
Benefit of collaboration:
The benefits of this collaboration for financial institutions are numerous, including reduced compliance costs and operational risk through enhanced automation. In addition, the solutions developed are designed to evolve over time, thus allowing adaptation to regulatory changes. This collaboration also leads to a notable improvement in the customer experience by offering more efficient and personalized services. In addition, regulatory reporting processes are optimized, increasing data reliability and ensuring better compliance with current standards.
Management
of risk
Thanks to the advanced skills in predictive analysis of artificial intelligence (AI), the development of solutions via the cloud and the rise of open banking, many fintechs have innovated by developing decision support tools under form of scalable APIs, easy to integrate. The main objective of these fintechs is to offer these white label solutions, generally in Software as a Service (SaaS) format, to financial institutions.
These decision support tools, often grouped under the term “Decisioning as a Service” (DaaS), offer financial institutions easy access to advanced decision-making technologies, particularly in the area of risk management. . This approach allows solutions to be implemented at a reduced cost in a transparent manner, without compromising the customer experience, which is particularly important when it comes to applications such as consumer credit scoring.
To have efficient modeling, simulation and decision support tools
Lingua Custodia is a fintech expert in Natural Language Processing (NLP) and generative AI technologies for Finance based in France and Luxembourg.
linguacustodia.finance
Opensee provides financial institutions with real-time data analytics solutions, enabling them to aggregate, explore, simulate, analyze and visualize their data instantly, at any level of granularity and history.
opensee.io
Raise Partner is a French publisher, specialist in risk analysis and portfolio optimization for the financial industry. Through its Smart Risk Decision product, Raise Partners wants to democratize and enlighten investment decisions.
raisepartner.com
To protect against fraud and cybercrime
Bleckwen develops fraud and money laundering prevention solutions for payments players and credit organizations.
bleckwen.ai
Finovox is a fake document detection solution. Through its platform, Finovox makes it possible to analyze the authenticity of documents, to classify the risk of the document and provides the burden of proof.
finovox.com
Heptalytics is an artificial intelligence solution for securing payments. It is aimed at Banks, Establishments and any Payment Operator to fight against fraud and money laundering, making it possible to return a risk score per user and per transaction based on customer events.
https://www.heptalytics.com/
Marble is a next-generation decision engine to fight fraud and money laundering.
checkmarble.com
Meelo is a solution that combines open data and artificial intelligence to secure fraud and unpaid debts while maximizing profitable business
getmeelo.com
Sis ID is a fintech created in 2016 which supports large companies in the fight against bank transfer fraud.
sis-id.com
Benefit of collaboration:
Through bank-fintech partnerships, traditional banks can easily access cutting-edge technologies such as predictive analytics and artificial intelligence in both decision-making and fraud prevention, without having to invest heavily in development internal. By adopting these white label solutions, banks can ensure rapid implementation thereby strengthening their ability to effectively assess and manage risks.
Services
banking
Several fintechs provide their B2B clients with turnkey services marketed under a white label and easily customizable. In order to support them in enriching their offers and attracting new customers, through the use of APIs: Aggregators (or PFM): these solutions sort, classify and report on a single interface all bank accounts regardless of the establishment where they are domiciled and in real time. Some fintechs also make it possible to use this consolidated data to enable banks to offer new services to their customers (robo-advisor, one-click credit, etc.).
To quickly set up or modernize a banking management platform
Abaka is an AI-powered SaaS platform designed to personalize customer experience, increase customer engagement and retention.
abaka.me
Bridge offers a payment initiation and account information service. Bridge APIs meet the needs of payment, credit granting, customer profiling, identity verification or transaction categorization.
bridgeapi.io
Invivoo's Xcomponent solution is a platform for creating intelligent applications, automating tasks and managing production for financial institutions. It makes it possible to improve information systems at all levels – technical, methodological and organizational – by combining business expertise with technological expertise by centralizing and easily sharing all information related to business processes.
invivoo.com/x4b
LinkCy is a fully customizable banking platform, ready to be connected via APIs or white label App/Dashboard.
linkcy.io
Obendy provides service platform technology to banks and insurance companies to support all their customer segments by generating more engagement, satisfaction and business.
obendy.com
Pono is a SaaS technology management solution for effectively setting up and managing credit guarantees (trust, pledge, collateral, etc.) and financing covenants for banks, alternative lenders and their advisors
ponotech.io
Savvy offers a banking infrastructure for wealth managers and private banks in order to simplify their digital offer of responsible products while promoting customer engagement.
savvyinvest.fr
Skaleet's SaaS Core Banking Platform gives financial institutions the power to continuously change.
skaleet.com
ToumAI is a SaaS tool for collecting and analyzing local extra-financial data for impact and performance in Africa. Its artificial intelligence understands African dialects and models ESG indicators adapted to the continent.
toum.ai
Treezor, acquired by Société Générale in 2019, is an electronic money institution approved by the ACPR which integrates an embedded finance offering in more than 10 European countries.
treezor.com
Xpollens is the Banking-as-a-Service platform of Groupe BPCE, specialist in integrated payment. Xpollens supports companies in their digital transformation by allowing them to add white label financial products.
xpollens.com
Yapily is a platform allowing payment initiation and access to banking data with coverage of more than 2000 banks in 19 countries in Europe.
yapily.com
To provide an account aggregation experience
Linxo Group simplifies financial management with Linxo Connect by offering account aggregation and payment solutions, as well as personal management via the Linxo application. Secure APIs DSP2 approved by the ACPR for single access to financial data.
linxo.com
Powerens is a complete Open Finance platform, all in one: from banking data to payments. Powerens enables more than 260 leading financial institutions to create next-generation experiences in payments and financial services.
powens.com
Benefit of collaboration:
In addition to expanding the range of services offered and attracting new customers, partnerships between traditional players and fintechs allow banks to remain competitive in a constantly evolving financial landscape, thus avoiding implementation costs and lead times associated with research and development.
Services
of payment
The payment methods developed by fintechs are based on innovations which essentially aim to improve the user experience of existing services and to offer new means of loyalty. Among the solutions proposed: Contactless payment in physical places of sale (contactless in-store payment) concerns payments made at merchants. New generations of POS which work with 4G or 5G and which allow contactless payment by mobile NFC or by scanning a QR code. Peer-to-peer payment (PtoP payment) essentially targets individuals for the reimbursement of small sums of money and uses mobile phones as a medium.
To exploit and enhance data linked to your customers' payments
CDLK, specialized in the valorization of payment data, offers a platform of “Beyond Banking” marketing solutions to create value within the Banks – Consumers – Merchants ecosystem.
cdlkservices.com
PayLead enables banks to leverage transactional data analytics to better understand and retain their customers, while providing advertisers with a platform to reach millions of consumers across Europe.
paylead.fr
Plebicom allows you to create a benefits program financed by merchants to boost the use of payment, increase loyalty and develop turnover.
plebicom.com
Smartpush offers innovative features intended for financial players such as scoring tools, enriched statements, personalized rewards, and a budget coach.
smartpush.io
To offer differentiating payment services, in Euros and currencies
Sylq offers an integrated payment offer, by card, instant transfer or crypto on payment terminal or mobile device, for face-to-face, online or remote payment. Terminals are provided and maintained 24/7 by Sylq.
sylq.io
Preludd offers a white label payments platform hosted on cloud solutions. This payment platform connects in-store payment terminals to the various bank and private acquirers.
preludd.com
Paylib is a banking solution that facilitates payments by card and transfer.
paylib.fr
Bizao is a fintech that operates a platform allowing businesses, banks and fintech to accept all means of payment in 10 African countries
bizao.com
Numeral is a payment automation platform for tech companies.
numeral.io
PURSE is a French payment ecosystem orchestrator, designed to revolutionize the online and in-store payment experience, while simplifying its implementation in order to improve customer satisfaction and increase your turnover.
purse.eu
Voxpay is a full-service, omnichannel payment solution whose mission is to simplify and secure payment for everyone, regardless of the sales channel. The solution has been PCI-DSS Level 1 certified since its creation in 2018.
voxpay.fr
Benefit of collaboration:
Fintech payment solutions offer innovative services enabling a smoother user experience, thus strengthening customer relationships and access to new markets. This also allows traditional players to reduce the costs of developing and maintaining their own payment systems.
Insurance
Insurtechs are participating in the transformation of the insurance industry by creating innovative solutions based on the use of technology (artificial intelligence, IoT, blockchain). Their approach is revolutionizing journeys and uses thanks to digitalization and the use of mobile technology. Their solutions make calculation models (compensation) more reliable, strengthen risk management (predictive analysis, fraud detection) and improve efficiency and processing times.
To deploy the best of technology to serve business processes
Akur8 offers a SaaS solution that uses proprietary algorithms to automate risk and demand modeling for insurers, while maintaining transparency and complete control over the models created.
akur8.com
Eyst Technology provides a SaaS tool to insurers and mutual societies which allows policyholders to pay for their services without a cash advance and allows insurers to limit fraud thanks to the traceability of payments.
eyst.io
Lidix is a BtoB platform that digitalizes inheritance management for life insurance beneficiaries.
lidix.io
PERmute is a SaaS platform for insurance companies, which standardizes and secures transfers of PER, PERP, PERCO, Madelin, Article 83, PREFON, COREM, CRH contracts
permute.fr
Testamento is a SaaS software publisher whose mission is to make personal insurance and wealth advice accessible to all. Its solutions are already used by more than 10,000 advisors and 10 million customers in France.
testamento.io
Zelros is a SaaS platform that allows insurance professionals to offer their clients optimal coverage and prevention advice through personalized recommendations across all distribution channels.
zelros.com
To provide innovative insurance products
Dattak is an Insurtech founded in 2021 by former employees of AXA, Allianz and a serial entrepreneur. Dattak's mission is to protect businesses from cyber attacks by providing them with a complete cyber insurance and cyber security solution.
dattak.io
Descartes offers parametric insurance products against climate and emerging risks to businesses and governments using data (satellites, IoT, etc.) with a unique approach based on AI.
descartesunderwriting.com
Owen offers an integrated insurance solution to fintechs and marketplaces, keen to extend their service offering and better protect their customers.
get-owen.com
Seyna is an all-in-one platform for insurance brokers. Seyna provides tailor-made insurance products and software tools to grow brokerage businesses. All this, without compromising on financial strength.
seyna.eu/en
Stoïk is cyber insurance dedicated to VSEs and SMEs
stoik.io
To diversify its distribution channels
Leocare is neo-insurance for home, car, motorcycle and smartphone. Leocare offers guarantees and insurance services adapted to the lifestyles of the French using real-time technology.
leocare.eu
Lovys is a 100% digital neo-insurance which offers tailor-made products meeting the needs of new generations to support them at all stages of their lives through an all-in-one monthly subscription.
lovys.com/fr
Monaliza is a digital platform that supports French people in building their retirement project within the framework of the PER, in a personalized manner thanks to a proprietary technological tool, from simulation to online subscription.
monaliza.fr
+Simple is a digital subscription agency specializing in VSE/SMEs and expert in niche offers, whose mission is to make its solutions accessible to local brokers and their clients.
plussimple.fr
Benefit of collaboration:
Collaboration between fintech and insurers allows for an improvement in customer relations from initial contact to claims management, which remains the main innovation challenge for traditional players. The objective is to reduce costs and make the process from claim reporting to compensation more fluid to improve the customer experience. This also makes it possible to enrich actuary calculation methods through the integration of innovative technologies, thus enabling more precise risk assessment and better management of insurance portfolios.
This cooperation illustrates the strategy of traditional players to expand their offering and activate new levers to retain their customers in order to stand out from the competition.
Management
assets
Fintechs in asset management have emerged over the past ten years, mainly thanks to robo-advisors, offering innovative paths and solutions for the management of so-called “augmented” savings. Since then, the strong diversification of asset management services has radically transformed the financial landscape. Among these, certain fintechs are focused on access to investments traditionally reserved for a financial elite, such as private equity and SCPIs. Others allow for asset diversification, offering the possibility of investing in natural assets such as trees or digital assets such as cryptocurrencies. Finally, there are fintechs focused on retirement, offering solutions combining digital platforms and human support for optimal retirement planning.
To benefit from tools to support investment decisions
Created in 2010, Active Asset Allocation is a fintech recognized for its investment algorithms. Its mission is to give each institution and individual the means to achieve their financial objectives through Coanda, its managed savings marketplace.
active-asset-allocation.com
AirFund simplifies the distribution of private market funds and disintermediates relationships between players in the value chain.
airfund.io
The Data Management solution designed specifically by and for AMs.
AssetSagacity is an operated data management platform designed specifically by and for asset managers which collects, aligns financial and extra-financial data and then distributes them.
assetsagacity.com
EquitInsight is a stock market modeling and valuation platform, which allows investors to free themselves from maintaining models in Excel and to devote themselves fully to the search for alpha.
https://equitinsight.com
Using its metabolic technology, FRN Ingénierie develops monitoring and early warning services on all listed stocks which optimize performance through continuous control of endogenous and exogenous risks based on weak signals.
frn-ingenierie.com
Mipise is a fintech company specializing in the development of white label technological tools for crowdfunding platforms and management companies.
mipise.com
Podyam is a fintech specialized in the deployment of IT solutions for Asset managers. Podyam has designed ESG management solutions.
podyam.com
Ouro Capital is a cryptoasset platform designed for financial advisors.
ouro-capital.com
Symbiose Management wishes to democratize and modernize forestry investment. The forest being one of the only carbon negative investments, Symbiose Management aims to innovate to provide liquidity on this investment.
symbiosemanagement.com
SWER is a platform which aims to dust off French life insurance contracts by rating them according to several criteria then transforming them into new generation contracts thanks to the PACTE law of 2019.
swer.fr
Venn Capital develops innovative equity investment strategies, unique in Europe, based on the concept of collective intelligence.
venn-capital.com
To provide new asset management services
Anaxago is an unlisted investment player in real estate and venture capital. The company designs, manages and promotes investment opportunities that contribute to the creation of a sustainable future of committed investment
anaxago.com
AYDO is an alternative platform for creating investment solutions for professionals aimed at simplifying the generation of returns, through expertise and technology.
aydofinance.com
Epsor is the digital solution for employee savings. Epsor stands out for its ease of use, personalized investment advice, the diversity of funds offered and its strong commitment to responsible investment.
epsor.fr
Feefty is the multi-service platform dedicated to structured products that allows financial professionals and institutions to create their own product in complete autonomy.
feefty.com
Iroko is a savings fintech approved by the Financial Markets Authority as a management company. Iroko's mission is to make efficient and responsible savings products accessible to all.
iroko.eu
LaBienveillanceFinancière offers wealth management professionals an enhanced wealth advisory platform, making it possible to effectively serve a clientele previously excluded from private management.
labienveillancefinanciere.fr
My PENSION is an advisory broker dedicated to retirement savings, with an independent and transparent approach, based on a dedicated My PENSION xPER without management fee retrocessions (“clean shares”, ETFs and live securities)
mypensionxper.com
Odonatech is transforming customer relations in the financial industry by offering digital applications based on behavioral science to allow advisors to adapt their advice to the financial personality of their clients.
odonatech.com
Openstone provides access to alternative real estate investments previously reserved for institutions and very wealthy individuals.
openstone.com
Sapiendo is an innovative, technological company, with the objective of democratizing retirement advice by combining a team of retirement experts and technological innovations allowing you to manage your retirement.
sapiendo-retraite.fr
Vasco is a centralized and customizable management tool for private equity players. Vasco digitalizes the creation, distribution, and monitoring of your unlisted vehicles: club deals like UCIs, whatever your asset class.
vasco.fund
Yomoni is a digitalized French management company which optimizes investment projects and allows you to open life insurance, a securities account, a PEA or a PER in a few clicks.
yomoni.fr
Wesave specializes in the distribution of savings products and the development of digital solutions.
advisors.wesave.fr
Benefit of collaboration:
Banking players are joining forces with this type of fintech in order to attract a new type of clientele with high income potential, particularly young people and those with little time to devote to their investments. This also allows them to expand their portfolio of “Wealth Management” services as a complement to their advisor support offering. They can thus remain competitive in a constantly evolving financial environment, by offering their clients innovative investment solutions adapted to their specific needs.
Funding
Fintech innovation applied to financing and credit appeared in the second phase of the sector's development. It consisted of:
- new uses: split payment, crowdfunding, neo leasing, Revenue Based Financing, neo factoring, rental,
- a new intermediation: neo brokers,
- solutions for connecting borrowers (individuals, SMEs and public and local authorities) and investors (individuals and institutional investors)
- evaluation tools, analysis, score, rating
To quickly offer innovative financing solutions
Dillan is a solution that allows seniors to improve their retirement through life annuity financing.
dillan.fr
Fundimmo is an investment platform specializing in real estate products. Since its creation in 2014, the platform has continued to enrich its digital experience in order to widely democratize online investment.
fundimmo.com
KNAVE deploys and manages white label digital rental programs of all durations, for manufacturers and distribution groups, for their consumers.
knave.eu
Koalaboox offers an invoice financing solution for VSEs and Buy Now Pay Later B2B.
cegid.be/cegid-pay-later
TRESO2 offers a platform for processing, dematerialization, payment and financing of supplier invoices dedicated to O2C and P2P.
treso2.com
Pledg provides instant financing solutions on e-commerce and in-store websites. With Pledg, private and professional buyers buy straight away and pay later or in installments; the merchant, for his part, is paid upon ordering.
pledg.co
Younited offers instant credit solutions in France, Italy, Spain, Portugal and Germany. More than €5 billion in credits financed.
younited-credit.com
To find new distribution channels
Eloa is a SaaS financing and insurance platform with more than 3000 affiliated professionals (financial intermediaries & real estate professionals) who support 250 customers
eloa.io
Izicredit is a simple, fast & transparent speed dating platform with banks to transform the way you obtain your real estate loan
izicredit.com
Kresus is a fintech offering a supplier position optimization solution intended for mid-sized companies and groups, allowing them to extend payment deadlines while benefiting from discounts.
kresus.eu
Pretto is a 100% digital mortgage broker that allows you to compare offers from French banks. Oleen is a network that opens its technology to independent brokers. Finspot is the parent company of Pretto which operates its APIs.
pretto.fr
PRETPRO.FR owns a digital platform which offers access to all professional financing solutions in the business market, pretpro.fr is also a network of independent experts offering a phygital model.
pretpro.fr
Youdge is a neo-digital broker which aims to make the consumer credit market clear and accessible. Youngge develops products and tools that make access to financing simple and instantaneous for consumers.
yedge.com
To connect borrowers and investors
Kriptown is a Neo-stock market allowing startups and SMEs to strengthen their equity and/or encourage their communities.
kriptown.com
Lumo is an online investment platform specializing in the financing of large-scale projects in response to the ecological emergency.
lumo-france.com
A specialist in digital investment, WiSEED offers investors the opportunity to optimize their savings in impact assets and unlisted companies with fast, flexible and innovative financing solutions.
wiseed.com
To integrate evaluation, analysis, scoring and notation tools
Algoan helps lenders make the right decisions throughout the credit lifecycle, from origination to collection. We offer Credit Decisioning as a Service, leveraging the power of open banking.
algoan.com
Arrago provides bank loans to individuals over 60 years old in return for a mortgage in partnership with banks and institutions by providing their credit platform: origination, granting, management
arrago.fr
Basikon provides a SaaS platform for financing management: credits, leasing and guarantees.
basikon.com
Inovatic offers an automated data extraction solution from structured documents serving professionals in the financial industry. Through its Inovaclic.io solution, the company optimizes the customer journey for online financing.
inovaclic.io
Kiilt is revolutionizing home loan applications. Based on open banking and OCR, Kiilt automates financing files as well as feasibility thanks to the first real-time scoring.
kiilt.com
Shango is a SaaS tool dedicated to the financial evaluation of renewable energy projects financed without recourse. It helps project leaders and financial institutions optimize their investments and accelerate the financing of the energy transition.
51.38.48.52
Xloan is a Saas, Iaas or On-premise software solution specialized in the acquisition and management of all types of financing (consumer credit, real estate, leasing, financing, etc.)
xloan.open.global
Benefit of collaboration:
Often in cooperation with traditional establishments, they benefit from using fintech technology and can also reduce outstanding credit and thus alleviate prudential constraints.
This collaboration leads to a breakdown of the credit value chain. The enrichment of traditional models, based on retrospective analysis, is achieved through the integration of data technology, with the crossing of different methods.
This allows an improvement in the customer journey, including treatment of neglected customers. At the same time, there is considerable potential for algorithms and AI to further revolutionize the financial sector.
METHODOLOGY
Infographic produced on the members of France FinTech whose head office is located in France as of 19/03/2024. They are distinguished by their role in providing financial services to banks, insurance companies and financial institutions as industrial partners. Consequently, consulting companies or design offices were excluded from this selection.
