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Fintechs Pitch Live – Finalists 2025

The popular, energy-packed Fintechs Pitch LIVE in association with Mastercard is back for 2025.

This is an opportunity for emerging fintechs to be recognised for revolutionising how people move, manage and spend their money, or help safeguard the ecosystem through Regtech. Judged by an international panel of experts from the investment community and leading banks we invite fintech companies to showcase their most innovative new technology or service in the payments sector.

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Our Finalists 2025

Ask Silver

Ask Silver is building the Know-Your-Transaction (KYT) platform. We enable financial institutions to intervene in suspicious transactions from their customers through a digital journey, rather than over the phone or with generic messages in app.
 
We’ve built a Scam Checker that can ingest any data (screenshots of text messages or emails for example) and determine if it’s a scam or not by using AI, our proprietary database and hundreds of tools that we’ve built.
 
We’ve been featured in national media outlets (Telegraph, Independent and recording for BBC Rip Off Britain in February) with thousands of users and winning an award from the FCA as just a team of 2.
 

ComplyStream

ComplyStream enables faster and smarter FinCrime alert resolution by unifying your fragmented data, communication and workflows in a single AI-native platform. At ComplyStream, we simplify and accelerate FinCrime investigations by unifying disconnected systems and harnessing the power of human-AI partnership. By eliminating operational friction resulting from tool, communication, and data fragmentation, we empower teams to focus on resolving critical issues quickly and effectively.

Find out more here

FARx Group Limited

FARx is a DEEP-TECH startup. We create the underlying patented AI/ML algorithms that identify individuals by fusing their vocal and facial biometric features, thus enabling AI to KNOW you! FARx licenses its underlying core technology to fin-tech and other solutions and services providers that require continuous frictionless multi-factor identity authentication. Initially targeting low-volume but high-value payments in investment and private banking, FARx ultimate goal is to see FARx widely adoption as the enabler of next generation secure on-line customer service.

Find out more here

Goldilocks AI

Goldilocks AI provides infrastructure for AI agents to purchase data and 3rd‐party API services via on‐demand microtransactions. From vendor sourcing to product inspection, it handles the full cycle of agentic commerce. By integrating open banking and smart contracts, Goldilocks enables frictionless transactions for the emerging agentic AI economy.

Find out more here

Hands In

At Hands In, we’re revolutionizing the way payments are made—seamlessly, securely, and collaboratively. Our mission is simple: to reduce payment hurdles for merchants like declines due to insufficient funds and drive incremental revenue, all whilst creating a seamless customer experience and unique selling point for our customers.
 
By enabling split payments across multiple cards or for groups, we’re helping businesses unlock new opportunities to grow revenue and enhance the customer experience.
 
We’ve designed three groundbreaking features:
– Multi-Card Payments: Customers can easily split costs across multiple cards, allocating amounts and authorizing each payment in seconds.
 
– Group Payments: Whether it’s friends booking a trip or colleagues organizing an event, peers can join the same transaction and pay their share—no more chasing people down for reimbursement.
 
– Decline Recovery: Customers can split payments across multiple cards if their original payment method is declined due to insufficient funds. This flexible option allows a customer to retry two card transactions on decline, versus just one.
 

Lobster Money

Lobster Money is revolutionising financial services for the creator economy. Our platform provides digital entrepreneurs, creators, freelancers, and content-driven businesses with seamless financial infrastructure tailored to their unique income streams.
 
Unlike traditional banks that struggle to assess creator earnings, Lobster Money leverages alternative data from social media, digital platforms, and payment processors to legitimise their income, unlock financial products, and provide access to capital. As a B2B fintech, we recognise that creators are businesses and equip them with financial tools designed for growth, including invoicing solutions, seamless payouts, advance payments, and cash flow management.
 
One of the biggest challenges in the creator economy is revenue tracking and unpredictable cash flow, making it difficult for creators to plan and scale their businesses. Lobster Money solves this by allowing creators to connect all their platforms natively via API, providing a real-time dashboard that consolidates earnings across social media, streaming, and payment platforms like YouTube, Twitch, and Stripe. This enables creators to track their income, predict future cash flow, and access liquidity solutions like invoice financing and advance payments when needed.
 

Trudenty

Trudenty’s Consumer Trust Network is a privacy-preserving data-sharing network that delivers 360° consumer fraud risk intelligence, helping merchants, issuers, and acquirers collaborate to combat first-party fraud and push payment fraud. By enabling privacy-preserving data exchange across the commerce and payments ecosystem, Trudenty helps companies eliminate the visibility gap, allowing them to learn from each other to distinguish trusted consumers from fraudsters.
The network’s data is enriched with Open Banking and other third-party sources—such as identity networks and credit card alerts—to provide a holistic view of consumer behavior. Our machine learning algorithms transform this data into fraud risk signals, represented in the Consumer Trust Index, ensuring both confidentiality and privacy for all participants.
Trudenty’s business model reflects its network-first approach, with pricing tied to monthly active consumers, encouraging the use of Open Banking and open data throughout the consumer journey. This drives fraud prevention, enhances customer experiences with personalized journeys, and supports automation—especially in claims and disputes. Additionally, we collaborate with PSPs and card networks to enable scalable, privacy-preserving data sharing between merchants and issuers.
 
Our network to date is anchored by Worldline and Mastercard.
 

Vivox AI

Vivox accelerates business onboarding for fintechs and banks, reducing the process from days to minutes. We empower compliance teams with pre-trained AI agents that automate 90% of compliance reviews, cutting costs by 80%. This not only improves efficiency but also delivers auditable, explainable results with over 99% accuracy, ensuring that financial institutions can onboard more legitimate customers while minimizing risk.
 
Innovation: A Smarter AI-Driven Compliance Solution
Vivox stands out through a combination of LLMs, proprietary NLP models, and external human oversight, ensuring 99% accuracy—higher than traditional automated solutions.
 
Organised by The Payments Association. © Copyright 2025 PAY360. All Rights Reserved.

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When

25th & 26th March 2025

Where

ExCeL, London

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