Swiss fintech technology platform

Powering lending, payments, and investing in one API-first platform.

Finnovate enables banks, lenders, and digital players to launch modern credit, payment, and goal-based investing journeys – faster, safer, and at Swiss-quality standards.

View platform capabilities
API-first, cloud-native architecture Bank-grade security & compliance Modular for lending, payments, investing
Solutions

One platform, three growth engines

Finnovate helps you orchestrate lending, payments & banking, and goal-based investing in a single, modular platform — so you can launch new journeys in weeks, not years.

L

Digital lending

From onboarding to collections, manage the full credit lifecycle with real-time decisioning.

  • Loan origination with configurable workflows and KYC/KYB.
  • Rules-based and AI-augmented credit decisioning.
  • Disbursement, repayment, and collections orchestration.
  • Portfolio monitoring, risk dashboards, and stress testing.
P

Payments & banking

Power instant, compliant payment and banking experiences across channels and partners.

  • Account & wallet ledger with multi-currency support.
  • Payment rails integration (cards, instant payments, open banking).
  • Real-time limits, fraud checks, and AML monitoring.
  • Embedded finance and white-label banking journeys.
G

Goal-based investing

Help clients plan, invest, and stay on track with intuitive, goal-centric experiences.

  • Goal planning with risk profiles and funding plans.
  • Model portfolios and discretionary mandates.
  • Automated rebalancing, tax-aware orders, and alerts.
  • Client and advisor portals with full transparency.
Technology

API-first, modular, cloud-native

Designed in Switzerland, Finnovate brings together a secure core, open APIs, and modular services so you can connect legacy systems, partners, and new digital channels with minimal friction.

API-first Event-driven Cloud-agnostic Bank-grade security

Finnovate Core manages accounts, products, and workflows, while domain-specific services – lending, payments, investing – can be activated as needed. Use our UI components or plug into your existing digital channels.

Our platform supports multi-entity, multi-country, and multi-currency deployments, allowing you to scale from a single market to a global footprint without re-platforming.

Open REST/GraphQL APIs and event streams for real-time integrations.
Built-in observability, audit trails, and configuration versioning.
Deployed in your cloud, ours, or on-prem – with the same architecture.
Why Finnovate

Swiss quality, global ambition

Finnovate combines Swiss engineering and regulatory know-how with a modern technology stack to help you deliver better financial services – safely and at speed.

✓ Regulator-ready from day one

Built with European and Swiss regulation in mind, including robust KYC/AML, audit trails, consent management, and reporting out-of-the-box.

✓ Faster time to market

Use pre-configured journeys and templates for lending, payments, and investing to reduce build time and focus on differentiation, not plumbing.

✓ Partner-friendly ecosystem

Open APIs and clear SLAs make it easy to add data providers, KYC vendors, custodians, payment schemes, and distribution partners as you grow.

Contact

Book a conversation with our team

Tell us about your lending, payments, or investing use case and we’ll show you how Finnovate can help – in a 30-minute, no-obligation session.

Headquartered in Switzerland, supporting clients across Europe and beyond.

Whether you are a bank, fintech, or digital brand entering financial services, Finnovate can be deployed as a full-stack platform or used as individual modules.

Share a few details and we’ll match you with the right specialist from our lending, payments, or investing domain teams.

Prefer email? Reach us at info@finnovate.ch

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