We track 4 organisations in this sector across 4+ countries.
4 entries.
Anyfin is a Stockholm-based fintech founded in 2017 that helps consumers cut the cost of their existing loans and credit-card debt by refinancing them at lower rates, using a photo of a statement and data-driven credit assessment. It has expanded from Sweden into Finland, Norway and Germany with a focus on reducing borrowing costs rather than lending more.
Lendable is a London-based fintech founded in 2014 that uses data and automation to underwrite consumer credit, offering personal loans, credit cards and car finance funded through institutional capital. It reached unicorn status and operates in the UK, US and Mexico, positioning itself as a fully digital, fast-decision alternative to traditional lenders.
m10 is a mobile financial super-app developed by PashaPay (part of PASHA Holding's Bir ecosystem), officially launched in July 2022. It offers domestic money transfers, international remittances, QR-code payments, BakıKart transit top-ups, and consumer credit up to 25,000 AZN. The platform serves 700,000 daily active users and has accumulated 2.5 million downloads, operating under the Central Bank of Azerbaijan's Regulatory Sandbox.
Neon is a Zurich-based digital bank founded in 2018 by Julius Krieg and Jörg Sandrock as one of Switzerland's first challenger banks. Operating on a mobile-first model with no branch network, Neon provides Swiss residents with free everyday banking accounts, a Mastercard debit card, and integrated savings and investment products. The app launched in 2019 and grew to over 200,000 customers, carving out a position in Swiss consumer banking against incumbents like UBS and competing with European neobanks like N26 that do not hold a Swiss banking licence. Neon operates under a banking-as-a-service model through a partnership with Hypothekarbank Lenzburg, which holds the banking licence. It is a benchmark for digital-first financial services built from within Switzerland.