Fintech | Programme | 4YFN Barcelona 2025

Putting the user experience first has become the cornerstone of success in banking and finance. The demand for seamless digital experiences that align with the lifestyles of increasingly influential Gen Z consumers and digital natives, is accelerating the adoption of technological innovations.

The fusion of artificial intelligence and user-centric design in fintech is not just a trend but a revolution, with startups and innovators at its core. Join us to uncover how the future of fintech is being mapped out by AI-enabled super apps, mobile financial services, robust fraud detection systems and other solutions, all centred around outstanding UX.

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Fintech Programme in 2025

3900

Professionals
78

Countries
40

Exhibitors
12

Hours of content

Previous speakers

Ali Niknam

Founder & CEO, bunq

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Eynat Guez

Co-founder & CEO, Papaya Global

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Olga Shikhantsova

Partner Fintech, Speedinvest

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David Palmer

CPO, Pairpoint by Vodafone

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Jose Luis Navarro

Head of Open Banking Strategy, BBVA

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Pebbles Sy

Chief Technology and Operations Officer, GCash

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Saad Syed

CEO, Chenosis

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4YFN Awards: Digital Health category

Meet the 4 startups shortlisted under the the Digital Health category of the 4YFN awards. These startups are delivering innovative digital solutions and technologies to improve healthcare prevention, detection and delivery across different services, systems, approaches and locations.

Digital Health

The Blue Box

The Blue Box

Spain

Growth stage:

Seed

Operates in:

Spain

Stand:

Awards Zone, Hall 8.0

The Blue Box's innovative urine-based test for early-stage breast cancer detection is pain-free, radiation-free, and has a sensitivity of 88.42%, outperforming mammography by 15%-30%. In just three years, the startup has secured substantial funding, won numerous international awards, and received public funding from the European Commission. This fast, accessible, and low-cost solution could lead to an additional 30% of women with breast cancer being diagnosed.

In 4 years from now…

The Blue Box is gearing up for a breakthrough, solidifying its presence in the European market while orchestrating an ambitious expansion plan for the US market.

A word from the investors on the evaluation panel:

“The Blue Box is driving innovation, transforming breast cancer screening combined with its superior accuracy and is set to revolutionize the Digital Health market.”

UN SDG Goal:

3 - Good Health and Well-Being

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Digital Health

Cure Bionics

Cure Bionics

Tunisia

Growth stage:

Seed

Operates in:

Tunisia and Libya

Stand:

Awards Zone, Hall 8.0

Cure Bionics is revolutionizing the prosthetics market for low and medium-income communities with customizable, 3D-printed bionic arms, ensuring global accessibility and affordability. Additionally, the company offers at-home 2D mobile games for physical rehabilitation and training, helping users learn to use the bionic arms effectively. Cure Bionics empowers amputees, transforming mobility and enhancing quality of life.

In 4 years from now…

Cure Bionics aims to be the leading provider of affordable, customizable bionic prosthetics and assistive technologies across Africa and the Middle East.

A word from the investors on the evaluation panel:

“Cure Bionics is revolutionizing health and well-being. Their technology enhances social inclusion and helps users lead healthier lives, with market expansion solidifying their impact.”

UN SDG Goal:

3 - Good Health and Well-Being

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Digital Health

Horus ML

Horus ML

Spain

Growth stage:

Seed

Operates in:

Europe and Latin America

Stand:

Awards Zone, Hall 8.0

Horus ML enhances clinical decisions with AI assistance. The company was established to address the need for AI-based solutions in healthcare. Despite the potential of these techniques, their real-world application was limited. Horus ML identified key factors behind this and developed company values to overcome them, creating solutions for automatic clinical image analysis, early diagnosis, personalized medicine, and remote monitoring of chronic patients.

In 4 years from now…

Horus ML aims to be the main provider of tools for early detection of atherosclerosis and cardiovascular risk in Europe and Latin America.

A word from the investors on the evaluation panel:

“Horus ML is revolutionizing cardiovascular risk detection. Their innovation sets a new standard in healthcare, addressing a huge unmet need and ultimately saving lives.”

UN SDG Goal:

3 - Good Health and Well-Being

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Digital Health

Kemtai

Kemtai

Israel

Growth stage:

Seed

Operates in:

United States, United Kingdom, Italy, Germany, Israel, Australia, India

Stand:

Awards Zone, Hall 8.0

Kemtai offers scalable digital MSK care with an AI exercise platform that provides real-time corrective guidance and adherence tracking for musculoskeletal rehab. Serving over 10,000 patients globally, it has been chosen by top institutions like Sheba Medical Center, HSS Sports Medicine Institute, and Fondazione Mondino for Parkinson's research.

In 4 years from now…

Kemtai aims to become the gold standard in computer vision for health and wellness helping treat millions of patients and other rehab requirements worldwide.

A word from the investors on the evaluation panel:

“Kemtai is a disruptive company with an impressive founding team and large market potential. With strong traction and solid command of revenue and business pipeline, they are well-positioned for success.”

UN SDG Goal:

3 - Good Health and Well-Being

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4YFN Awards: Green Tech category

Meet the 4 startups shortlisted under the the Green tech category of the 4YFN awards. These startups have digital solutions at their core that are specifically aimed at promoting environmental sustainability across different sectors and industries, protecting our natural resources, environments and biodiversity and/or battling climate change.

Green Tech

EnergyX

EnergyX

Republic of Korea

Growth stage:

Series B

Operates in:

South Korea, UAE, Saudi Arabia, Japan, Netherlands, and France

Stand:

Awards Zone, Hall 8.0

EnergyX is revolutionizing sustainable architecture by creating Zero-Energy Buildings with proprietary software and hardware technologies. Their advanced tools and BIPV systems, combined with AI and data optimization, support sustainability and energy efficiency at every stage of architectural projects. Based in Seoul, EnergyX pioneers' sustainability in planning, design, construction, maintenance, and operations.

In 4 years from now…

EnergyX aims to provide the world’s largest and most powerful solutions for sustainability and become the world’s leading brand for sustainable buildings.

A word from the investors on the evaluation panel:

“EnergyX stands out with its business model that integrates cutting-edge proprietary technology, AI, and renewable energy solutions. This approach offers scalable and cost-efficient solutions for sustainable architecture, setting them apart in the market with significant impact.”

UN SDG Goal:

13 – Climate Action

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Green Tech

Mitiga Solutions

Mitiga Solutions

Spain

Growth stage:

Series A

Operates in:

Worldwide

Stand:

Awards Zone, Hall 8.0

Mitiga is empowering resilience in a changing climate through solutions leads in climate risk intelligence by integrating scientific research, AI, and high-performance computing. Their platform, EarthScan™, helps organizations analyze and address physical climate risks, providing actionable insights for informed decision-making and enhanced resilience. Committed to sustainability, Mitiga is transforming corporate responsibility and developing long-term resilience solutions.

In 4 years from now…

Mitiga Solutions aims to be the leader SaaS provider of climate risk intelligence, helping organizations make informed, resilient decisions to tackle climate change challenges.

A word from the investors on the evaluation panel:

“Mitiga, backed by major investors like Microsoft, is a leader in climate risk intelligence. They are tapping into a huge market, offering unparalleled growth and impact opportunities.”

UN SDG Goal:

13 – Climate Action

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Green Tech

Phelas

Phelas

Germany

Growth stage:

Seed

Operates in:

Germany, Chile, Spain, Austria

Stand:

Awards Zone, Hall 8.0

Phelas is transforming renewable energy with two groundbreaking products: Aurora and Catalyst. Aurora LAES offers scalable, sustainable energy storage, perfect for colocation with renewables, while Catalyst ensures optimal efficiency through integrated planning. Phelas stands out with unmatched cost advantages, minimal cyclic degradation, high modularity, transportability, and excellent environmental compatibility.

In 4 years from now…

Phelas is poised to be a key player in the energy transition, offering solutions for utilities to integrate renewable energy with the grid and enhance sustainability.

A word from the investors on the evaluation panel:

“Phelas is revolutionizing renewable energy. With strong investors backing and industry trust, they are set to thrive as battery adoption increases and capex prices drop.”

UN SDG Goal:

7 – Affordable and clean energy.

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Green Tech

Qflow

Qflow

United Kingdom

Growth stage:

Series A

Operates in:

United Kingdom, United States, and Australia

Stand:

Awards Zone, Hall 8.0

Qflow is transforming construction with its cutting-edge data platform, enabling real-time capture and analysis of material supply-chain data. By photographing receipts and using AI, Qflow tracks material quantity and quality, helping teams reduce carbon emissions, minimize waste, and manage costs. Decarbonizing construction with a photograph, Qflow is making a significant impact on sustainability.

In 4 years from now…

Qflow is driving progress towards a sustainable future. By leveraging AI to unlock the circular economy potential, Qflow will become a leading agent driving the construction industry towards a greener future.

A word from the investors on the evaluation panel:

“Qflow is transforming the construction industry. Their global impact and success in key markets promise substantial environmental and financial returns.”

UN SDG Goal:

13 – Climate Action

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4YFN Awards: Fintech category

Meet the 4 startups shortlisted under the Fintech category of the 4YFN awards. These startups are introducing digital solutions to improve and automate the delivery and usage of financial and insurance services, as well as improve financial inclusion and access to financial assets.

Fintech

Bankuish

Bankuish

Colombia

Growth stage:

Series A

Operates in:

United States, Brazil, Mexico, Colombia, Chile

Stand:

Awards Zone, Hall 8.0

Bankuish provides gig workers, creators and freelancers easy access to affordable and ethical credit and banking services. The platform allows users to leverage their work history to demonstrate their creditworthiness and access preapproved loans and other financial services. Bankuish has de-risked the process of lending to gig workers for traditional banks, allowing them to discover new customers, improve relationships, and increase productivity.

In 4 years from now…

Bankuish will continue to be at the forefront of the financial inclusion for gig workers, creators and freelancers.

A word from the investors on the evaluation panel:

“Bankuish’s combination of technology, social impact, a scalable business model and alignment with a growing global trend (the gig economy) is what makes it both exciting and well-positioned for success. So far it has achieved impressive growth and is well-supported by financial institutions.”

UN SDG Goal:

8 – Decent work and Economic Growth

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Fintech

Embat

Embat

Spain

Growth stage:

Series A

Operates in:

Spain, United Kingdom and DACH countries

Stand:

Awards Zone, Hall 8.0

Embat is transforming financial management with its cloud-based treasury solution, designed by financial experts for financial experts. This platform centralizes operations, automates treasury functions, accounting, and payments, saving finance teams up to 75% of their time on manual tasks. Clients benefit from cost savings, optimized working capital management, reduced errors, and enhanced quality of life. Embat is driving efficiency and excellence in financial management.

In 4 years from now…

Among other things, Embat plans to embed a corporate banking platform to partner with the world's largest financial players.

A word from the investors on the evaluation panel:

“Embat excels at financial processing and accounting tech, showing impressive traction and strong revenue. Their innovative model in the emerging creator economy highlights their significant market impact and potential.”

UN SDG Goal:

8 – Decent work and Economic Growth

Visit website
Fintech

Okoora

Okoora

Israel

Growth stage:

Series A

Operates in:

Israel and Poland

Stand:

Awards Zone, Hall 8.0

Okoora provides businesses worldwide with the financial infrastructure they need to scale their international operations. Their proprietary automated platform, API, and embedded finance solutions are designed to enhance the bottom line. With Okoora, businesses can seamlessly collect and send payments, manage multi-currency accounts, and hedge FX risks. Join Okoora and experience the future of global finance, where businesses can thrive and grow without boundaries.

In 4 years from now…

Okoora aims to be the top choice for cross-border businesses, setting the global standard in managing foreign currency risk with seamless and efficient solutions.

A word from the investors on the evaluation panel:

“Okoora stands out with impressive traction and a clear path to profitability. By replacing outdated banking systems with their ABCM™ integrating currency risk management, automation and AI, it offers a modern solution for businesses facing foreign exchange rate risks.”

UN SDG Goal:

9 – Industry, Innovation and Infrastructure

Visit website
Fintech

Spendbase

Spendbase

Ukraine

Growth stage:

Grant

Operates in:

North and South America, Europe, Middle East

Stand:

Awards Zone, Hall 8.0

Spendbase is a game-changer for companies looking to optimize their SaaS, cloud, and corporate card spending. The platform provides unparalleled clarity and tracking, helping businesses cut costs and reduce manual work. With Spendbase, the average mid-sized company saves $0.5-1 million annually – it's like having a free product that pays you to use it!

In 4 years from now…

Spendbase aims to be the leading AI-powered platform for optimizing SaaS, cloud, and corporate card spending globally. The expansion plans include successfully launching virtual banking services across Europe, the UK, and the US.

A word from the investors on the evaluation panel:

“Spendbase has shown solid growth and revenues. Their software subscription management solution is an excellent entry point into a broader expense and card management solution, demonstrating considerable traction. The company's performance and innovative approach highlight its potential and success.”

UN SDG Goal:

12 – Responsible consumption and production

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Digital Horizons

Startups pioneering the digital transformation of traditional industries and markets, and those introducing cutting edge technologies across different industries.

Digital Horizons

Orquest

Orquest

Spain

Growth stage:

Series A

Operates in:

Europe, Asia, Africa, North America, South America

Stand:

Awards Zone, Hall 8.0

Orquest optimizes retail scheduling with AI. Its Smart Planning solution aligns employee availability with store demand while ensuring regulatory compliance. Using advanced forecasting and scheduling, the AI-powered software generates optimal work schedules considering store needs and employee preferences. Orquest handles complex scheduling for over 250,000 employees at major retailers like Dior and H&M across 77 countries. Recognized with achievements such as the Retail Technology Innovation Award 2024, Orquest is transforming retail workforce management. The smart way to schedule store teams in retail.

In 4 years from now…

Orquest aims to be a worldwide reference company in our sector, and above all, being able to continue empowering thousands of retailers all over the world with the help of our super team.

A word from the investors on the evaluation panel:

“Orquest excels in AI-powered scheduling that adapts to store needs, legal requirements, and employee preferences showcasing impressive traction and market potential. Additionally, it demonstrates notable capital efficiency by achieving significant impact with minimal capital raised.”

UN SDG Goal:

5 - Gender Equality

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Digital Horizons

Rockfish Data

Rockfish Data

United States

Growth stage:

Seed

Operates in:

United States, Canada, Germany, India, Australia

Stand:

Awards Zone, Hall 8.0

Rockfish Data is revolutionizing the telecom industry with its groundbreaking outcome-centric generative data platform. By leveraging synthetic data via Generative AI, Rockfish eliminates data bottlenecks across the product lifecycle, from AI model training to customer experience. Built on proprietary technology and research from Carnegie Mellon University, Rockfish's adaptive and enterprise-secure platform unlocks the true value of data, empowering companies to achieve unparalleled efficiency and innovation.

In 4 years from now…

Rockfish Data aspire to be the category leader in the generative data space being an integral part of every data and ML pipeline.

A word from the investors on the evaluation panel:

“Rockfish Data's platform, generates privacy-compliant, high-fidelity synthetic data for time series and session/transaction-based operational data. Unlike competitors, Rockfish offers enterprise-level security and scalability.”

UN SDG Goal:

9 – Industry, Innovation and Infrastructure

Visit website
Digital Horizons

Sakak

Sakak

Republic of Korea

Growth stage:

Series A

Operates in:

Republic of Korea and Estonia

Stand:

Awards Zone, Hall 8.0

Sakak is a leading company in the user-centric AI era, dedicated to researching safe and reliable AI applications and improving interactions between technology and people: AI in Your Hands, Hyper-Personalized On-device AI Experience. The team consists of top industry experts, this includes AI PhDs with SCI-level papers, full-stack developers, IT architecture experts, data privacy, business strategy specialists and global sales professionals. Sakak is expert in quickly launching products that meet global market demands, from market sensing to product development.

In 4 years from now…

Sakak aims to become the first AI unicorn company from Korea and one of the top 10 AI companies in the world. Specifically, they plan to lead the era of hyper-personalized AI agents by developing the world’s first on-device-based Large Action Model (LAM), allowing users to experience hyper-personalized AI without privacy concerns.

A word from the investors on the evaluation panel:

“Sakak brings forward an innovative product: a solution that allows to develop AI, assuring sensitive data protection. Since its inception in 2022, its team has grown achieving strong traction and capturing market opportunity.”

UN SDG Goal:

16 – Peace and Justice Strong Institutions

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Digital Horizons

Shakers

Shakers

Spain

Growth stage:

Series A

Operates in:

Spain, USA, UK, France

Stand:

Awards Zone, Hall 8.0

Shakers is the first AI-powered marketplace that unlocks talent at scale, completely reimagining how companies and freelancers connect and collaborate. This game-changing platform boasts a stellar product and massive market potential. Their impressive growth and traction with blue-chip international logos highlight their ability to solve the critical issue of accessing and retaining talent.

In 4 years from now…

Shakers is building the future of work and ready to scale globally. It aims to become a category leader and redefine the industry. The world of work is shifting, and with Shakers, both freelancers and companies will not just adapt, but will thrive in this new landscape... together.

A word from the investors on the evaluation panel:

“Shakers offer a great product with strong traction and growth, solving a key problem for companies: accessing and retaining talent. Their fresh perspective and solid founding team make them truly compelling.”

UN SDG Goal:

8 – Decent Work and Economic Growth

Visit website

Mobile Frontiers

Startups innovating in the telecommunications sector across different domains, and that would typically consider MNOs/MNVOs and other key players in the mobile space as their target clients.

Mobile Frontiers

Fossa

Fossa Systems

Spain

Growth stage:

Series A

Operates in:

Spain, Portugal, Europe, North America, and Latin America.

Stand:

Awards Zone, Hall 8.0

FOSSA specializes in delivering cutting-edge IoT connectivity solutions tailored for remote asset and infrastructure management. Their innovative technology empowers companies to make informed, data-driven decisions, enhancing process efficiency and ensuring the safety of their operations. By providing accessible IoT and Space Technologies, FOSSA is committed to boosting sustainability and operational efficiency across global industries. Join FOSSA in transforming the future with smarter, safer, and more sustainable solutions.

In 4 years from now…

FOSSA Systems aims to be the leader in affordable, scalable satellite-based IoT solutions. With a strong nanosatellite portfolio, it will be the top partner for low-cost, real-time space data connectivity, achieving significant revenue growth and global expansion.

A word from the investors on the evaluation panel:

“FOSSA Systems revolutionizes IoT with low-cost satellite connectivity, bridging gaps in remote areas. Their expanding nanosatellite constellation boosts growth potential. As a European SpaceTech pioneer, FOSSA Systems is poised for significant impact.”

UN SDG Goal:

12 – Responsible consumption and production

Visit website
Mobile Frontiers

IS-Wireless

IS-Wireless

Poland

Growth stage:

Series A

Operates in:

United Kingdom Poland Germany Malaysia Spain

Stand:

Awards Zone, Hall 8.0

IS-Wireless provides reliable Private 5G solutions for Industry 4.0, mission-critical, and campus networks, offering pre-integrated hardware and software, featuring Liquid RAN, an open, disaggregated radio technology. Liquid RAN ensures efficient use of computing and spectrum resources, reducing deployment costs and energy consumption. IS-Wireless is pioneering the mobile networks of the future, today.

In 4 years from now…

IS-Wireless is ready to make a significant impact on the industry and become the top 5G, and later 6G, Open RAN provider in Europe and Southeast Asia.

A word from the investors on the evaluation panel:

“IS-Wireless is disrupting the telecom industry with flexible and cost-effective 5G network solutions through Open RAN technology. As Open RAN gains global traction, IS-Wireless is well-positioned to transform traditional telecom infrastructures. Their strong, proven product and dedicated team further consolidate their leadership in this space.”

UN SDG Goal:

12 – Responsible consumption and production

Visit website
Mobile Frontiers

Quantum Industries

Quantum Industries

Austria

Growth stage:

Seed

Operates in:

Europe

Stand:

Awards Zone, Hall 8.0

Quantum Industries GmbH (QI) is at the forefront of quantum cryptography with its revolutionary entanglement-based Quantum Key Distribution (eQKD) technology. Leveraging over 40 years of research, including Nobel Prize-winning advancements, QI is transforming global secure communications. Despite being a young deep-tech startup, QI is already generating significant revenue.

In 4 years from now…

Quantum Industries aims to be the global leader in entanglement-based Quantum Key Distribution. It will offer the most secure and scalable quantum communication networks for critical infrastructure, finance, and governments, and revolutionise global quantum-safe solutions.

A word from the investors on the evaluation panel:

“Quantum Industries is transforming global secure communications. Their networks offer unmatched scalability and long-distance coverage, making them the top choice for critical infrastructure protection in sectors like telecommunications, finance, government, and military.”

UN SDG Goal:

9 - Industry, Innovation and Infrastructure

Visit website
Mobile Frontiers

Ramon Space

Ramon Space

Israel

Growth stage:

Series A

Operates in:

Israel, United Kingdom and United States

Stand:

Awards Zone, Hall 8.0

Ramon Space is at the forefront of space compute infrastructure, driving the digital transformation of space systems. Its mission is to equip satellites with cutting-edge onboard computing systems, transforming them into intelligent, autonomous units capable of delivering advanced space services and applications that were once unimaginable. With their innovative 5G NTN On Board Processor (OBP) technology, Ramon Space is set to revolutionize the future of LEO constellations, ensuring unparalleled connectivity and performance in space.

In 4 years from now…

Ramon Space aims to lead the digital transformation of space. Within our lifetime, we’ll experience the impact and extraordinary benefits of human technological advances in space. Ramon Space empowers the next generation of satellites and space missions to deliver this future.

A word from the investors on the evaluation panel:

"Ramon Space is a top innovator in space-tech, offering advanced computing systems for high-performance processing in harsh space environments. Their partnerships with NASA and others keep them at the forefront of technological advancements, revolutionizing space exploration and satellite networks."

UN SDG Goal:

9 - Industry, Innovation and Infrastructure

Visit website

Fintech Programme in 2025

Professionals

Countries

Exhibitors

Hours of content

Previous speakers

Ali Niknam

Eynat Guez

Olga Shikhantsova

David Palmer

Jose Luis Navarro

Pebbles Sy

Saad Syed

4YFN Awards: Digital Health category

Meet the 4 startups shortlisted under the the Digital Health category of the 4YFN awards. These startups are delivering innovative digital solutions and technologies to improve healthcare prevention, detection and delivery across different services, systems, approaches and locations.

Digital Health

The Blue Box

Growth stage:

Operates in:

Stand:

In 4 years from now…

A word from the investors on the evaluation panel:

UN SDG Goal:

Digital Health

Cure Bionics

Growth stage:

Operates in:

Stand:

In 4 years from now…

A word from the investors on the evaluation panel:

UN SDG Goal:

Digital Health

Horus ML

Growth stage:

Operates in:

Stand:

In 4 years from now…

A word from the investors on the evaluation panel:

UN SDG Goal:

Digital Health

Kemtai

Growth stage:

Operates in:

Stand:

In 4 years from now…

A word from the investors on the evaluation panel:

UN SDG Goal:

4YFN Awards: Green Tech category

Green Tech

EnergyX

Growth stage:

Operates in:

Stand:

In 4 years from now…

A word from the investors on the evaluation panel:

UN SDG Goal:

Green Tech

Mitiga Solutions

Growth stage:

Operates in:

Stand:

In 4 years from now…

A word from the investors on the evaluation panel:

UN SDG Goal:

Green Tech

Phelas

Growth stage:

Operates in:

Stand:

In 4 years from now…

A word from the investors on the evaluation panel:

UN SDG Goal:

Green Tech

Qflow

Growth stage:

Operates in:

Stand:

In 4 years from now…

A word from the investors on the evaluation panel:

UN SDG Goal: