Whereas maybe not as flashy as AI or blockchain know-how, embedded finance, open banking, and open finance are already reworking the best way people and companies work together with banks, monetary service suppliers, and even retail organizations. By enabling corporations to leverage partnerships and APIs to supply companies and merchandise they’d battle to supply on their very own, these applied sciences give firms an incredible alternative not solely to boost their choices with higher effectivity and personalization, but in addition to broaden their product strains, present new options, and safe new sources of income.
This week, in our persevering with collection previewing firms that can exhibit their newest improvements at FinovateEurope 2026, we showcase 4 firms which might be serving to banks and different monetary establishments make the most of the alternatives made potential by embedded finance, open banking, and open finance.
FinovateEurope 2026 will happen at London’s Intercontinental O2 on February 10 and 11. Tickets can be found now. Go to our FinovateEurope hub immediately and make the most of huge early-bird financial savings!
AAZZUR
AAZZUR allows manufacturers—each small and medium-sized companies in addition to giant firms—to launch their very own embedded finance options with a single integration. The corporate’s open banking platform serves as a layer above banks and fintechs, facilitating the change of knowledge, messages, and transactions to spice up satisfaction, retention, and monetization, whereas enhancing the best way fintechs work with banks. Headquartered in Berlin, Germany, AAZUR was based in 2017.
Francis
Francis allows monetary establishments and fintechs to leverage AI to resolve challenges of their open finance initiatives. The corporate’s know-how transforms fragmented monetary knowledge from pensions, property, investments, money, and different sources into actionable wealth insights. Francis makes use of AI to course of unstructured knowledge and integrates it with market knowledge, offering a holistic view of each private and enterprise funds. Based in 2025, Francis relies in London, England.
Opentech
Opentech, a digital funds and transaction enrichment companies supplier, develops and operates full-stack options at the moment deployed by monetary establishments and repair suppliers in Italy, Switzerland, and Austria. The corporate’s open and scalable platform fosters interoperability between banks, card issuers, and worldwide fee networks. Based in 2003, Opentech is headquartered in Rome, Italy.
Hagbad
Hagbad works with organizations to digitize trust-based financial savings. The corporate modernizes conventional group financial savings techniques by means of its safe digital platform, enabling compliant engagement, increasing buyer attain, and selling inclusive progress through a regulated, culturally aligned monetary infrastructure. Hagbad’s platform options automated monitoring and real-time transparency to make sure that contributions, payouts, and group exercise are successfully monitored. Headquartered within the UK, Hagbad was launched in 2025.
Why banks ought to care
Embedded finance, open banking, and open finance provide banks an distinctive alternative to introduce new services and to compete extra successfully with rivals in each Huge Tech and Huge Retail. All three improvements foster elevated accessibility, enabling monetary establishments attain clients the place they’re. Additionally they assist higher personalization, empowering corporations to supply extra tailor-made monetary merchandise to clients, whereas concurrently creating new income sources to divto ersify past conventional banking choices.
Catch these and different modern fintech firms subsequent month at FinovateEurope 2026. With lower than a month to go, there’s no higher time than now to go to our FinovateEurope hub and safe your spot to the primary huge fintech convention of the yr!
Picture by Ashkan Forouzani on Unsplash
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