Helping UK fintech companies scale,
at home and abroad

What is the Fintech programme?

Our Fintech programme is tailor-made to support founders and the wider leadership team for UK fintech and insurtech companies. It consists of insights sessions delivered by some of the most established fintech entrepreneurs, investors and partners which give cohort members the tools and knowledge they need to scale. The programme lasts for six months and includes an in-depth induction, a series of learning sessions and networking events with key stakeholders.

As we have already closed our fourth callout for the Fintech programme, you can pre-register your interest to be the first to hear about application opportunities.

Our Fintech 3.0 cohort

After a record number of applications, we managed to narrow last years’ cohort down to 31 brilliant companies. This was also the first year the programme open for insurtechs, which made up around 20% of our cohort.

  • Automated Intelligence

    Automated Intelligence logo

    Belfast | @automatedintel

    Financial organisations are mandated by stringent regulatory standards to prove compliance, and failure to comply can result in reputational damage and financial loss. Automated Intelligence provides highly regulated firms with data insight, risk identification and compliance reporting, covering both analysis and discovery, as well as governance, policy execution and reporting.

  • Aveni

    Aveni logo

    Edinburgh | @Aveni_AI

    Aveni assists and enhances client interactions for the Financial Services industry through a unique pipeline of Natural Language Processing (NLP). Their proprietary NLP engine automates processes directly from the customer's voice. In practice, this includes risk monitoring, analysis of customer needs, performance management of staff and CRM population. Aveni believes that transitioning 2nd line support functions to the point of sale or service will be a game-changer for the cost to serve in large financial institutions.

  • Balkerne

    Balkerne logo

    Colchester | @Balkerne_Tech

    Managing risk is difficult, as there are so many contributing and changing factors. Balkerne provides property-specific, live information across different risk domains, which enables property owners and operators to significantly reduce the frequency and scale of losses and business interruptions. Their platform incorporates a range of historical data sources, which enables property owners and operators to make informed and auditable decisions for managing long term property climate risk.

  • BankBI

    BankBI logo

    bracknell | @BankBI

    Accurate, timely and automated financial performance analytics and reporting are critical to every financial institution’s success. BankBI offers senior management in banks, credit unions and the microfinance industry the chance to measure, monitor and manage their business in real time using industry standard ratios, dashboards and automated management information. Based on the integration of a targeted minimum data set, BankBI delivers rapid time to value and a guaranteed successful project outcome.

  • BankiFi Technology

    BankiFi Technology logo

    Manchester | @BANKIFI_global

    For SMEs and the self-employed, lots of small admin tasks can quickly become overwhelming. BankiFi orchestrates and automates these admin tasks as well as providing an integrated invoice-to-pay service that matches and reconciles payments with open invoices and auto reminds late payers. They help businesses by providing all their needs in one place, improve productivity, financial health and help drive growth.

  • Bumper

    Bumper logo

    Sheffield | @bumperpay

    No one wants to be hit with costly, out-of-the-blue car repairs. Bumper is offering a better way to pay for car repairs and accessories by allowing customers to spread the cost of their repairs over manageable monthly payments, completely interest free. Revenue is made by charging a small transaction fee to the dealership. Bumper has exclusive long term partnerships with JLR, VWG (this includes Audi, Skoda, Seat and VW) and Ford, as well as every other manufacturer.

  • Caura

    Caura logo

    London | @caura

    Looking to simplify and streamline vehicle payments, Caura is the payment platform for your car to manage parking, tolls, congestion charge, MOTs, vehicle tax and insurance. Caura DRIVE allows users to pay for 95% of parking, London's CC/ULEZ charges and tolls by just entering your vehicle registration. Caura PROTECT is an FCA registered product with seven insurers, allowing drivers to purchase and manage motor insurance. Caura MAINTAIN seamlessly manages MOTs and vehicle servicing.

  • Coincover

    Coincover logo

    Cardiff | @Coincoverglobal

    Cryptocurrency can be a risky investment, but it shouldn’t have to be. Coincover’s technologies and insurance backed guarantee protects the contents of your digital wallet. Delivering security and assurance in cryptocurrency for individual investors, fund managers, professional traders and corporate customers, they provide deposit protection, crypto key storage and recovery, lost key protection, cryptocurrency wills, and cryptocurrency theft cover, all underwritten by Lloyds of London Insurers.

  • Credas

    Credas logo

    Cardiff | @mycredas

    Simplifying identity verification, Credas provides a combination of biometric facial recognition, document authentication, client engagement, data capture and eSign technologies to a range of markets and sectors. Typically supporting the regulated space to date, with KYC, AML, Right to Rent and Right to Work checks, Credas clients can engage with their end-users remotely from anywhere in the world, in real-time.

  • CreditEnable

    CreditEnable logo

    London | @CreditEnable

    CreditEnable has a mission to enable SME lenders and borrowers everywhere to effortlessly find their perfect match. They are building the world’s first end-to-end digitally managed marketplace for SME credit. Lenders using their marketplace benefit from efficient access to quality borrowers, improved quality in their SME loanbooks, significantly reduced underwriting timelines and profitable growth. The marketplace also helps SMEs better understand lenders' credit requirements, get prepared for debt and assists them to secure the capital they need at an affordable rate.

  • Datactics

    Datactics logo

    Belfast | @Datactics_

    It’s estimated that 90% of a business’ potential is underutilized, and often the solution to this is found in data, which is complex, time-consuming to analyse and often needs coders, programmers or data analysts to translate. Datactics’ platform transforms data into actionable insights and empowers those who know data to fix it, without the need for coders or programmes. This helps businesses gain new markets and improve their internal productivity.

  • Flock

    Flock logo

    London | @flockcover

    Flock are a UK insurtech rapidly becoming known as the go-to insurer for the connected and autonomous world. Flock started out in the drone industry, where they launched Europe’s first pay-as-you-fly insurance for commercial drone operators in 2018. They have now issued millions of quotes and insure some of the world’s largest drone fleets in the world. Flock is working with the world’s leading insurers to reinvent other areas of insurance with their proprietary risk intelligence algorithm.

  • FloodFlash

    FloodFlash logo

    London | @FloodFlash_Ins

    Extreme weather events increase in frequency each year. Whilst floods come thick and fast, flood claims can be painfully slow. The wait for cash can have dire consequences for flood-struck businesses, as rent, bills and wages mount up. FloodFlash is a new type of rapid-payout flood cover. It uses the latest in data modelling and connected tech to bring parametric insurance to the mass market for the first time. The result is fast, easy and flexible cover that pays claims within days of a flood.

  • IE Hub

    IE Hub logo

    Milton Keynes

    Every year in the UK, 10 million people in financial difficulty have to share detailed income and expense (I&E) information with an average of 6 creditors, an exercise that may need to be repeated regularly when circumstances change or creditors seek updates. It can result in severe mental anxiety. IE Hub’s Customer Portal makes it quick and easy for you to record and share this information conveniently and with multiple parties, using any device. As for creditors, they can use the CRM portal to automatically validate data provided, against what’s held in the credit bureau, and view a customers affordability journey over their lifetime, providing a holistic view of their situation.

  • Just Move In

    Just Move In logo

    Bournemouth | @JustMoveIn_

    Moving house has long been voted one of the most stressful life events to experience. Just Move In simplifies home moves by setting up essential services such as council tax, water, energy, broadband, insurance and more. They handle the admin around moving and recommend the best matches for movers, based on customer service, long-term value and ethics. Their service is also used by estate agents, conveyancing firms, banks and retailers to make sure their customers get a hassle-free move.

  • Lightyear

    Lightyear logo

    Belfast | @lightyearcloud

    Traditionally, the Accounts Payables process demands hours of manual data entry. Lightyear is transforming and automating the process with an intelligent cloud-hosted application. Helping businesses of all sizes, across the world to automate this process, they’re reducing the invoice payables cost from £15 per document to £0.25p, and, on average, saving customers 80% processing time. Their system is 100% accurate, and seamlessly transitions documents between team members for one-click approval.

  • Maji

    Maji logo


    Over 15 million people in the UK can currently expect inadequate retirement incomes. Maji has developed a personalised platform and app, designed to give consumers one place to manage their pensions and plan for retirement by using the latest behavioural science and AI technology. It is available through employers, pension providers and financial service partners for whom it can cut costs and increase revenue.

  • Moneyshake

    Moneyshake logo

    Newport | @moneyshakeuk

    Moneyshake has developed price competition technology to revolutionise the way people will buy products and services online. Rather than one-dimensional static comparison, Moneyshake’s technology allows product providers to bid for its customers’ business in unlimited volume and in real-time. Initially launching in vehicle leasing, the business has helped thousands of people get the very best deal on their new car. Over the next 12 months, Moneyshake will add multiple finance options to its platform - creating the UK’s first competitive car finance marketplace.

  • Nivo

    Nivo logo

    Manchester | @nivohub

    Anyone who has applied for a mortgage or loan knows the mountain of paperwork it brings. Nivo has created a messaging network for financial services, where loan providers of all kinds can gain the customer experience of UK challenger banks with a familiar messaging format that moves deals forward quickly and cuts out manual tasks. Customers can communicate with their provider and input what’s needed, like Biometric ID checks, e-signed agreements, payslips, bank statements, personal data, and other key evidence. The data is referenceable and easily shared between intermediaries, making the processes more efficient for all parties involved.

  • Pikl

    Pikl logo

    Norwich | @Pikl_UK

    As the sharing economy further evolves, people are renting and sharing things they would not dream of 10 years ago - for example, renting out your spare bedroom as an Airbnb which can affect your home insurance. Pikl enables customers to preserve the things they love by delivering market-leading usage-based insurance products and experiences that enable people to confidently share their assets and skills with the world.

  • Pomelo Pay

    Pomelo Pay logo

    London | @pomelopay

    In a time where businesses have had to quickly adapt to a cashless society, Pomelo has developed a platform where businesses can use the power of QR for payment technologies to create a sales channel at every customer touchpoint. Not only does this create higher conversion rates, new marketing channels and new revenue streams, customers also don’t have to touch or press anything like with a traditional card machine.

  • Portify

    Portify logo


    Portify has developed inclusive financial services for those with non-standard employment and financial backgrounds, including flexible workers. Their products enable people who normally wouldn't qualify for certain financial services to access fair and essential financial products such as credit building, interest-free loans and tools to help users budget and stay clear of expensive overdrafts.

  • Proportunity

    Proportunity logo

    London | @proportunity_uk

    As more and more people are trying to get on the property ladder, being a first-time buyer is getting even more competitive. Proportunity makes ownership possible by helping first-time buyers afford homes sooner, and without relying on the bank of Mum and Dad. They use machine learning to identify fast-growth properties, and then lend the buyer the down-payment needed to obtain a mortgage. Their product is estimated to annually enable over 200,000 first- time buyers that normally would not have a chance to own their home.


    SO-SURE logo

    London | @wearesosure

    When things go wrong, you want to know your insurance provider has your back. SO-SURE has redesigned insurance to put the customer first, restoring consumer trust in insurance. Through a new model and technology, they provide an amazing experience if you need to claim on insurance, and if you don't need to claim, they can pay you back up to 80% of your premium, every year. They started in the UK with mobile phone insurance, and they are on the path to expand globally and across insurance lines.

  • SquareBook

    SquareBook logo

    Edinburgh | @squarebookltd

    SquareBook is changing the way companies issue shares and raise capital on regulated markets, transforming the equity IPO process. The SquareBook platform uses innovative auction technology to guide IPO pricing and allocation decisions, delivering fairer outcomes for issuers and investors. SquareBook's innovative, transparent and efficient service dramatically reduces the costs of an IPO to the company raising capital, removing the barriers that deter companies from raising capital on regulated markets.

  • Streeva

    Streeva logo

    Guildford | @StreevaCo

    Streeva automates everyday processes by making transactions smarter. Their goal is to make payments work better for everyone, starting with tax benefits for UK charities. Their initial solution Swiftaid automates the traditional Gift Aid process used by many charities, handling the entire process for digital donations, and at no extra cost to the donor.

  • Uncapped

    Uncapped logo

    London | @weareuncapped

    Driven by the belief that founders should not have to give away ownership or personal guarantees to fund growth, Uncapped providers founder-friendly capital without interest or equity. They invest £10k to £2 million in online businesses for a flat fee of 6% which is repaid as sales grow. Founders can apply online, receive an offer in 24 hours, and get back to growing their business.

  • Urban Jungle

    Urban Jungle logo

    London | @MyUrbanJ

    When it comes to renting, it can be a jungle out there. Urban Jungle provides fully digital insurance for renters, empowering the next generation of customers by making it much easier to get access to more suitable insurance at a better price. They offer content insurance starting at £5 a month and it takes just two minutes to get a quote.

  • Vistalworks

    Vistalworks logo

    Glasgow | @vistalworks

    It’s estimated that illicit trade and fake goods drain the global economy of $2.2trillion dollars a year, in addition to fuelling illegal financial activity such as money laundering and criminal gangs. Vistalworks’ risk-scoring technology identifies illegal products and their sellers, who openly operate online, and can warn consumers of potential harm before they buy. It also provides law enforcement agencies and regulators with essential intelligence. Their plan is to supply banks and payment providers with seller risk scores in order to identify and prevent illegal transactions.

  • Wealthkernel

    Wealthkernel logo

    Nottingham | @WealthKernel

    Wealthkernel supplies investment infrastructure for companies looking to offer digital investment services. They offer a comprehensive solution that covers client onboarding, trading and custody. The infrastructure is optimised for the delivery of investment and wealth-management services to non-traditional clients, namely those who are considered not commercial to service.

  • Yapily

    Yapily logo

    London | @YapilyLtd

    Yapily enables fairer and better financial services for everyone. Using an open API, Yapily makes connecting to banks easy, to seamlessly access bank account data and initiate payments. It powers applications invisibly behind the scenes and allows their clients to be front and centre with a seamless and improved user experience, giving them complete control.

See all Tech Nation programme alumni >

What does the programme include?

Insight sessions

Founder-focused sessions delivered by world-leading fintech entrepreneurs covering core issues, from investment to sales, partnerships and international expansion.


Events of networking bringing together corporate executives, investors, government representatives, regulators and other decision makers together around the cohort.


Networking sessions designed with the technical leadership team in mind, to foster peer-to-peer exchange and explore the challenges faced by CTOs and Head Devs.

Who is the Fintech programme for?

Fintech is for founders and companies that want to achieve their potential and who are ready to scale. To be eligible for the programme, your company must meet the following criteria:

  • Have headquarters in the UK
  • Be a digital tech with fintech or insurtech product or service to sell
  • The company is at Seed to Series A funding stage.
  • If the company is self-funded, minimum annual revenue is £100k and maximum is £1.5m
  • Open to all B2B, B2C and B2B2C companies
  • The company is more than 1 year old
  • Has the ambition to scale!

*No agencies or consultancies

What people think about the programme

“I’m excited to be a judge again for the next cohort for Tech Nation’s Fintech programme. As a founder myself, I know how valuable that this programme is, and I’m looking forward to seeing the roster of companies lining up to try and secure a place. I would highly recommend applying!” 

Christian Faes, Exec Chair & Co-founder, LendInvest

“I think it is a really great idea to get people going through exactly the same pains at the same time in the same sector. This has really succeeded in pinpointing and solving our problems, and I loved the session where the founders came and talked about growing their teams, talking very openly about their troubles and what went right and what went wrong.”

Georgia Stewart, Co-Founder & CEO, Tumelo 

Our Programme Partner

Wilson Sonsini Goodrich & Rosati’s legacy closely traces the birth and evolution of Silicon Valley. For more than six decades, the firm has represented the technology pioneers associated with virtually every milestone innovation. Today, Wilson Sonsini is synonymous with ushering promising, innovative companies through their business life cycle.

Judging Panel

Scroll through to see the calibre of our expert judges

Pre-register your interest

Although applications for the programme are currently closed, you can still register your interest by filling in the form below.

Other Fintech initiatives

Check out our Fintech Collaboration Toolkit
Read more about our Alumni with the Fintech Spotlight Map