Whereas maybe not as flashy as AI or blockchain know-how, embedded finance, open banking, and open finance are already reworking the way in which people and companies work together with banks, monetary service suppliers, and even retail organizations. By enabling corporations to leverage partnerships and APIs to supply providers and merchandise they’d wrestle to supply on their very own, these applied sciences give firms an amazing alternative not solely to boost their choices with higher effectivity and personalization, but in addition to increase their product strains, present new options, and safe new sources of income.
This week, in our persevering with sequence previewing firms that may display their newest improvements at FinovateEurope 2026, we showcase 4 firms which are serving to banks and different monetary establishments benefit from the alternatives made doable 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 right now and benefit from large early-bird financial savings!
AAZZUR
AAZZUR allows manufacturers—each small and medium-sized companies in addition to massive 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 information, messages, and transactions to spice up satisfaction, retention, and monetization, whereas enhancing the way in which 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 information from pensions, property, investments, money, and different sources into actionable wealth insights. Francis makes use of AI to course of unstructured information and integrates it with market information, offering a holistic view of each private and enterprise funds. Based in 2025, Francis is predicated in London, England.
Opentech
Opentech, a digital funds and transaction enrichment providers supplier, develops and operates full-stack options at present 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 programs by its safe digital platform, enabling compliant engagement, increasing buyer attain, and selling inclusive development by way of 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 products and to compete extra successfully with rivals in each Massive Tech and Massive Retail. All three improvements foster elevated accessibility, enabling monetary establishments attain clients the place they’re. In addition 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 revolutionary 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 large fintech convention of the 12 months!
Photograph by Ashkan Forouzani on Unsplash
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