What Serene does

Serene Health Ltd is a UK-based, early-stage fintech founded in 2022 that sells an AI-powered vulnerability management platform to banks, lenders, and other financial institutions. The company's core product, the Consumer Vulnerability Engine, applies behavioral science and predictive intelligence to financial transaction data to identify customers experiencing financial distress, disengagement, or scam susceptibility earlier than traditional risk systems, and to trigger personalized, timely support interventions.

The platform is delivered as a single integration and is structured around three modules: SereneID for proactive identification of vulnerability signals in financial data; SereneScore for predictive triage and prioritization across distress, disengagement, and scam risk; and SereneCare for next-best-action recommendations and routing to specialist support services via a partnership with the National Support Network covering over 2,000 services. The company has achieved ISO 27001 certification at a Grade A pass with zero non-conformities, reflecting the sensitivity of the data handled and the regulatory expectations of its buyer base under UK Consumer Duty.

Serene operates a B2B SaaS model with quote-based, annual subscription pricing sold through direct enterprise sales and accelerator-driven channels. It raised a £930,000 pre-seed round in 2025 led by Fuel Ventures with participation from NatWest Group and Oxford Seed Fund, is participating in Mastercard Start Path 2026 and Accenture's FinTech Innovation Lab London 2025, and counts TSB Bank and NatWest Group among its named customers and strategic backers. Headcount is in the 1–10 range and the company has not disclosed revenue.

Name

Serene

Legal name

Serene Health Ltd

Website

https://myserene.io

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Serene is a UK fintech that sells an AI-powered vulnerability management platform to banks, lenders, and fintechs, applying behavioral science to financial data to detect financial distress, disengagement, and scam risk earlier than traditional systems.

Ownership category

akta.pro rank

Product category

Financial Services Risk & Compliance Software

NAICS

Computer Systems Design Services (541512)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

Keywords

• Vulnerability management platform
• Consumer vulnerability detection
• Predictive financial analytics
• Fintech risk intelligence
• Behavioral finance SaaS

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. SaaS/Subscription: B2B SaaS platform sold to financial institutions (banks, lenders, fintechs) with subscription-based pricing model. Delivered through single API integration.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Serene sells a B2B SaaS platform called the Serene Vulnerability Engine that helps financial institutions proactively detect customers in vulnerable circumstances through behavioral science and AI applied to financial data. Delivered through a single integration, it combines three modules — SereneID for proactive identification, SereneScore for predictive triage, and SereneCare for personalized interventions — to surface early signs of financial distress, fraud, and scam susceptibility and route customers to appropriate support.

Product overview

Serene offers a unified AI-powered vulnerability management platform called the Serene Vulnerability Engine, delivered through a single integration with three interconnected modules. SereneID provides proactive identification of vulnerability indicators through behavioral signals in financial data. SereneScore delivers predictive analytics for real-time triage of financial distress, disengagement, and scam risk. SereneCare translates these insights into personalized interventions and support at scale. The platform applies behavioral science to financial data—including Open Banking transaction data—to surface early signs of vulnerability, fraud, and financial distress, enabling institutions to identify risk earlier and deliver timely support. Serene also offers industry-specific solutions for retail banking and consumer credit use cases.

Differentiator

Problem solved

Functional benefit

Products and services

• Serene Vulnerability Engine AI-powered platform that detects early signs of financial strain, assesses severity of vulnerability, and delivers timely personalized support at scale. Combines behavioral science with predictive intelligence applied to financial data and is sold to banks, lenders, and fintechs as a B2B SaaS subscription delivered through a single API integration.
• National Support Network Referral Integration Integration layer that connects Serene's vulnerability detection output to over 2,000 specialist support services via the National Support Network, enabling automated targeted referrals and next-best-action routing for customers flagged by the platform.

Quantifiable outcome

• 52% of UK adults show signs of vulnerability, yet fewer than 10% are identified by providers (FCA 2023 data cited by Serene)
• +3 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered minor, flagship and core.

• Money20/20minorGTM or Marketing Partner · 1 June 2026Selected for Money20/20 Europe 2026 Start-Up Media Session in Amsterdam, representing innovation across fraud prevention and trust infrastructure.
• MastercardflagshipGTM or Marketing Partner · 1 January 2026Selected for Mastercard Start Path 2026 programme providing access to Mastercard's global network, expertise, and ecosystem. Opportunity to expand reach across global payments ecosystem and partner with leading organisations to embed earlier risk detection.
• TSB BankcoreStrategic or Co-development Partner · 1 December 2025Winner of TSB Innovation Labs 2025 Fraud Programme. Working with TSB to apply Serene's predictive behavioral intelligence to identify customers susceptible to scams before harm occurs. Partnership with FinTech Scotland and Label Sessions.
• National Support NetworkcoreStrategic or Co-development Partner · 1 June 2025Partnership combining Serene's AI-powered vulnerability detection with NSN's ecosystem of over 2,000 specialist support services. Enables seamless connection of at-risk customers to targeted, verified support across financial and non-financial needs. Focuses on proactive care and early intervention before problems escalate to crises.
• Accenture FinTech Innovation LabcoreGTM or Marketing Partner · 1 January 2025Selected for Accenture's FinTech Innovation Lab London 2025, joining 11 companies from competitive UK/Europe pool. Programme run in collaboration with world's leading financial institutions.
• CatalyseHerminorGTM or Marketing Partner · 1 January 2025Selected for CatalyseHer programme led by Inco and supported by Visa Foundation, designed to empower female founders with tools, network, and support to scale impact-driven businesses.
• Fintech ScotlandminorGTM or Marketing PartnerListed as partner/trusted organization; collaborated on TSB Innovation Labs programme.
• Fintech Innovation Lab LondonminorGTM or Marketing PartnerListed as partner/trusted organization; programme operated by Accenture.
• Fintech WalesminorGTM or Marketing PartnerListed as partner/trusted organization in Wales fintech ecosystem.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• ComplyAdvantage: AI-driven financial crime detection (AML, KYC, fraud) used by banks and fintechs. Adjacent use case and similar enterprise SaaS distribution model to Serene's vulnerability detection offering.
• Feedzai: Global riskOps platform offering fraud and AML detection across financial services. Broader and more established than Serene but overlapping in applying AI to transaction data for risk and vulnerability/fraud outcomes.
• Onfido: Global identity verification and KYC platform used by banks and fintechs. Adjacent in serving compliance and risk functions at financial institutions with AI-driven decisioning.

Direct peers

• SentiLink: US-based AI fraud and identity risk platform for banks and lenders. Comparable in applying machine learning to financial behavior to score risk before losses occur.
• Featurespace: UK-based adaptive behavioral analytics platform for fraud and risk detection serving banks and payments providers. Most directly comparable to Serene given shared UK roots, behavioral modeling on financial data, and tier-1 bank customers.

Emerging players

• Zest AI: AI credit underwriting platform for lenders, using alternative data and ML to improve affordability and risk decisions. Comparable in applying AI to borrower data for responsible lending, an overlapping segment with Serene's consumer credit use case.
• Aire: UK-based alternative credit scoring platform using behavioral and financial data to assess consumer creditworthiness. Closely comparable in using non-traditional signals on consumer financial behavior to inform lender decisions.
• Credit Kudos: Open banking-based credit scoring and affordability API for lenders, acquired by TransUnion. Comparable in serving consumer credit decisioning with behavioral financial data, directly relevant to Serene's consumer credit vertical.

Others

• Moneyhub: UK open banking data and personal finance management platform providing the financial data layer Serene's models consume. Complementary rather than competitive; useful as an infrastructure/ecosystem peer.
• Salary Finance: UK employee financial wellbeing and consumer credit platform. Compares given overlapping customer base (UK lenders and employers) and shared vulnerability/wellbeing mission, but is more consumer-facing than Serene's B2B2C model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks1 record

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/myserene

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds1 record

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Serene