Finland’s 70 Fastest Growing FinTech Startups

At Fintech Energy we track over 200,000 fintech startups and over 1,000,000 people who hold key positions in these companies. We use this directory of startups to highlight top employees, founders and organisations we think deserve more appreciation than they are currently getting.

We’ve ranked the top 70 FinTech companies in Finland. The companies, startups and institutions listed in this article are all exceptional companies, well worth a follow. We have included links to their websites, socials and CrunchBase (if you’re interested in their financials).

We selected the organisations listed in this article based on:

Track record
Executive leadership
Market share
Innovation
ESG rating

Our Data – We source our data from OSINT (open source intelligence) and public directories such as Crunchbase, SemRush and many more. The data from these sources should be treated with a degree of caution and verified yourself.

Top FinTech Companies & Startups (Finland)

ReceiptHero

Founders	Joel Ojala, Saku Pihlajaniemi, Tommi Keränen, Tuomas Peippo
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Platform to for Merchants to engage with customers. Loyalty and receipts in one platform – respecting our data privacy

Mash

Founders	Tommi Lindfors
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

One of Europe’s fastest growing FinTech companies driving innovation in payments and lending.

CrediNord

Founders	Jan Forsbom, Jim Forsbom, Matias Peltoniemi, Roope Lindroos
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

SME lending reinvented!

Enfuce

Founders	Denise Johansson, Monika Liikamaa, Niklas Apellund, Tom Gråhn, William Ekström
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Enfuce offers payment, open banking, and sustainability services to banks, fintechs, financial operators, and merchants.

Zervant

Founders	Mattias Hansson, Tuukka Koskinen
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Zervant is a market leading pan-European provider of online invoicing solutions

Holvi

Founders	Kristoffer Lawson, Mikko Teerenhovi, Teemu Hukkanen, Tuomas Toivonen
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Holvi is digital banking for freelancers and small business owners.

Loudspring

Founders	Tarja Teppo, Timo Linnainmaa
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Loudspring is focused on funding and commercializing companies rooted in the Finnish clean technology industry.

Cooler Future

Founders	Matti Rönkkö, Moaffak Ahmed
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Cooler Future is a fintech startup developing transparent and effective impact investment solutions for the climate-conscious generation.

Inventure

Founders	Kevin Lösch, Sami Lampinen, Timo Tirkkonen
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Inventure is a venture fund that specializes in helping its portfolio companies with talent and expansion.

Invesdor

Founders	Jouni Leskinen, Lare Lekman, Lasse Mäkelä, Miikka Poutiainen, Petteri Poutiainen, Timo Lappi
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

A leading European fintech firm making participation in growth finance easy and fair for everyone.

Selma Finance

Founders	Kevin Linser, Mikael Roos, Patrik Schaer, Valeria Gasik
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

the easiest way to take care of your money.

Tapp

Founders	Michael Wallis-Brown, Warren Sample
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Tapp is the alternative payment solution allowing people to convert cash to digital credits and building P2P commerce exchange network

Lifeline Ventures

Founders	Timo Ahopelto
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Lifeline Ventures is a team of serial entrepreneurs that invest in sectors we know by heart from our years as founders and startup leaders.

Business Finland

Founders	Unknown
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Business Finland is a Finnish funding agency specialized in research communities, industry, and service sectors.

LVS Brokers

Founders	Jarkko Forsberg, Lauri Mäenpää, Lauri Sommarberg, Teemu Jokinen
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Fintech: AI based brokering – connecting banks and lenders to consumers

Comparables.ai

Founders	Markus Vesala, Martin Kangasniemi, Muhammad Ammad-ud-din, Niko Nalli
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Comparables.ai provides an AI-augmented company analysis platform for professionals to find and compare companies quickly and intelligently

Palofy Analytics Oy

Founders	Kustaa Valtonen, Maria Thandia Pomar Zurita, Peter Vesterbacka, Timo Uusi-Kerttula
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Palofy provides SMEs with customer loyalty and payment processing services and develops analysis and forecasting tools.

Bankify

Founders	Antti Tarakkamäki, Tero Lappalainen
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

We specialise in customer-centric mobile banking solutions, which we offer as microservices to financial institutions.

Enterpay

Founders	Jarkko Anttiroiko
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Enterpay is a Finnish fintech startup

Skenario Labs

Founders	Hannu Nikupeteri, Topi Tiihonen
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Skenario Labs offers intelligent property analytics for real estate owners, asset managers, and financial institutions.

B2B Pay

Founders	Neil Ambikar
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

B2B Pay provides virtual bank accounts for exporters receiving payments.

iconicchain

Founders	Andras Vajda
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

We turn regulatory compliance into an automated, real time process by using private, high speed, secure distributed ledgers

United Finance

Founders	Marko Roivainen
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Smartcontract, Fintech, Subscription, Payment, Financing, Invoicing

Book Salon

Founders	Harri Myllyla, Jonne Castren
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Book Salon is an exciting new Fintech and Platform Economy startup offering free digital tools for Hair, Beauty and Wellness companies.

Inside Secure

Founders	Markku Mehtälä
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Meontrust provides banking grade security for online identities and payments.

REDi Ai

Founders	Elia Elenius, Warren Sample
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

REDi Ai is a financial technology company developing next generation value transfer solutions.

OpenOcean

Founders	Michael Widenius, Patrik Backman, Ralf Wahlsten
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

OpenOcean is an early-stage venture capital firm investing in B2B software across Europe.

KleverApp

Founders	Jeanette Samuelsson, Simon Sandvik
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Klever is a smartphone application that allows you to receive and pay all your bills in one secure application.

kontoor

Founders	Unknown
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Kontoor reads all news and while monitoring markets learns to think like a trader combining human intuition with machine intelligence.

LocalBitcoins

Founders	Jeremias Kangas
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

At LocalBitcoins.com, people from different countries can exchange their local currency to bitcoins.

Fellow Finance Plc

Founders	Harri Tilev, Jouni Hintikka, Teemu Nyholm
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Fellow Finance is a peer-to-peer lending platform.

DaySave

Founders	Calvin Otewa, Kasper Nevalainen
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

DaySave is a FinTech company that allows tailored saving solutions for individuals with no time commitment from the user.

Enable Banking

Founders	Fedor Tyurin, Joonas Tomperi
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Enable Banking is a financial connectivity platform which is providing direct access to banks payments and account information APIs

Voima Gold

Founders	Marko Viinikka
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Voima Gold is a fintech company offering gold-backed accounts that allow clients to securely buy, sell, store, deposit and withdraw gold.

Fudge Token

Founders	Unknown
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

FUDGE tokens is the most talked about altcoin project: it’s the. high-tech blockchain-based digital currency broadly similar to BTC & ETH.

Kredit Finance

Founders	Unknown
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Kredit Finance is a Finland-based fintech company that focuses on AI-based SME lending in the Nordic countries.

Valega Chain Analytics

Founders	Jonathan Pallares, Sven Martinsson
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Valega Chain Analytics offers compliance tools to analyze and prevent illegal activities in crypto and blockchain-related transactions.

The Ferratum Group

Founders	Unknown
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TFG is a pioneer in the area of financial technology and mobile lending listed in The Prime Standard of The Frankfurt Stock Exchange.

Aion Sigma

Founders	Unknown
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Aion Trust Score enables the 2.1 billion underbanked to access fair finance and pay-as-you-go smartphones

P3 Cloudasset

Founders	Hasan Malik
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P3 Cloudasset offers platforms for digital payments, future commerce, insurance, and banking.

YellowMay

Founders	Jussi Tommola, Kristin Schombel
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Unique Data and Quality for insurance insights powered by global online comparison platform

ZenTreasury

Founders	Lars Nevalainen
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

ZenTreasury is a FinTech and SaaS company. We provide cloud treasury and lease accounting software.

riskrate

Founders	Päivi Kangasmäki, Tuomas Ritola and Jussi Pyörre
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

riskrate picks up all invoices and bank data you need and lets you create live reports in seconds.

Norvestia Growth Equity

Founders	Unknown
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Norvestia Growth Equity are made in Nordic unlisted companies, growth-oriented listed companies and private equity funds.

Evoir

Founders	Pyry Palosaari
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Evoir is a platform that lets private landlords set up and manage real-estate investments in all fields related to rental asset management.

Axinoss

Founders	Andreas Urbanski, Topias Nurminen
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

AI-algorithmic trading and tail-risk hedging

Startup Sauna

Founders	Unknown
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Startup Sauna is an accelerator focusing on raising the valuation of seed-stage startups.

FabricAI

Founders	Unknown
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

FabricAI – Automates accounting with artificial intelligence. Remove manual labour and speed up the accounting process by 10x.

Finnish Fintech Ecosystem

Founders	Unknown
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Finnish Fintech Ecosystem is to develop innovative, value added services for the end- customers.

Nordic XR Startups

Founders	Unknown
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Nordic XR Startups offers participating startups equity investment, mentorship opportunities, workspaces, and back-office services.

Exidio

Founders	Unknown
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Exidio is a Fintech company with a focus on improving cashflow and treasury control and management

GF Money Oyj

Founders	Unknown
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

GF Money Oyj is a fintech versatile finance firm.

Fair PtP cover

Founders	Johannes Hirvaskoski, Tero Weckroth
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Fair PtP strives to create a global consumer brand, applying a new disruptive insurtech model, and sharing economy principles.

Eone Oy

Founders	Unknown
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Eone Oy offer a marketplace for banks, loan providers and insurance companies.

Euroloan Consumer Finance PLC

Founders	Unknown
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Euroloan Consumer Finance PLC provides instant consumer credit (short-term financing for private customers).

InvestPost.com

Founders	Gian-Luca Cioletti
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Financial social platform

Fixura

Founders	Unknown
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Fixura is a Finnish Peer-to-Peer lending company.

Salaxy

Founders	Janne Isosävi, Jukka Kiiskinen, Olli Perttilä
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Salary Payment Operator. Open API and services to integerate salary payment into your internet service.

TAVIQ

Founders	Juho Isola
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TAVIQ is a financial technology company from Finland. TAVIQ helps investment advisors to win more clients

Education Finland

Founders	Ruby Rose
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Not available.

VertaaEnsin.fi

Founders	Unknown
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VertaaEnsin.fi is the leading financial comparison platform in Finland.

Fintech Finland

Founders	Harry Brade
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Fintech services in Finland and help Fintech companies grow internationally.

Get Mezzanine Financing

Founders	Unknown
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Get Mezzanine Financing is an information hub for all your mezzanine financing needs.

Mobey Forum

Founders	Unknown
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Mobey Forum is the global, non-profit industry association empowering banks.

Emittor

Founders	Unknown
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Emittor is a fintech company that offers money market platforms and solutions for the investment sector.

InvestorEye

Founders	Antti Kuittinen, Laura Kuittinen, Naseer Ahmad
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InverstorEye is a Finnish fintech startup

Coinlager

Founders	Unknown
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Coinlager is a financial service-based company.

New Rose

Founders	Unknown
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New Rose is a financial institution that specializes in business development, financing, P2P technologies, insurance, and lending services.

Teemuaho

Founders	Unknown
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Teemuaho offers accounting services and firmware for financial planning.

Avotage

Founders	Unknown
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Avotage is a powerful credit card verification solution against online fraud.