Miss Moneypenny Technologies

What Miss Moneypenny Technologies does

Miss Moneypenny Technologies is a Berlin-based software company, founded in 2014, that operates Wallet Studio, a no-code SaaS platform enabling businesses — primarily insurance carriers — to create, customize, and distribute digital wallet passes through Apple Wallet and Google Wallet. The platform functions as a "Relationship OS" that connects existing insurance back-end infrastructure (policy administration, claims systems, CRM, partner networks) to the mobile wallets that 4 billion people already carry, eliminating the need for customers to download standalone apps. Wallet Studio is composed of six core modules: a Cross-Platform Pass Creator, an Interactive UX Composer, a Marketing Automation Suite, a Web Interaction Designer, a Compliance Control Center, and a Tech-Free Launchpad for instant POC deployment, with delivery cycles reportedly as short as seven weeks from kickoff to go-live.

The platform supports a defined set of customer-experience use cases including digital insurance card issuance, claims initiation, prevention communications, payment processing, partner/service access, authentication, and renewal triggers. It plugs into incumbent insurance core systems via certified integrations with Guidewire, Keylane, MSG, BSI, and Adesso, and holds payment-integration relationships with Visa and platform-level relationships with Google. The company is enterprise-focused, serving 30+ insurance carriers globally across motor, life, health, travel, property, and fleet lines of business, with publicly named logos including Zurich Insurance, ERGO, HDI, Aviva, Gothaer, Helvetia, Harel, Achmea, Versicherungskammer Bayern, ERV, Admiral Direkt, and Sixt, among others.

Miss Moneypenny generates revenue through a quote-based annual subscription model sold via direct enterprise sales, supplemented by a self-serve/PLG evaluation path through the Tech-Free Launchpad. Customer reported outcomes include a 97% retention rate versus ~24% for traditional apps, 50-90% wallet-pass activation rates, a >25% increase in service engagement, and €7M of measurable impact per million clients processed. The company maintains ISO 27001, ISO 9001, and FSQS certifications, is GDPR-by-design, and is DORA-ready, which functions as a regulatory price-of-entry barrier given that it processes health data for some of Europe's largest insurers. In April 2025, it closed a $8M seed funding round led by Earlybird Venture Capital (with participation from b2venture) to scale Wallet Studio.

Name

Miss Moneypenny Technologies

Legal name

Miss Moneypenny Technologies

Website

https://missmp.eu

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Miss Moneypenny Technologies operates Wallet Studio, a no-code SaaS platform that connects insurance carriers' existing back-end systems to Apple Wallet and Google Wallet, enabling digital insurance cards, claims, payments, and renewal communications without requiring app downloads. It serves 30+ enterprise insurance carriers globally.

Ownership category

akta.pro rank

Product category

Insurtech Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Stored Value Ledger / Wallet Infrastructure (Non-Bank) (FSAMANAM)

akta.pro secondary industries

Digital Wallet Platforms (Consumer & Merchant) (BPAMAFAC), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

Keywords

• Digital wallet platform
• Insurance customer engagement
• Wallet pass management
• Insurtech SaaS
• No-code platform

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Platform Subscription: No-code SaaS platform subscription model for insurance carriers. Platforms connects to existing infrastructure (policy admin, claims, CRM) enabling wallet-based customer engagement. Revenue likely based on per-client or enterprise tier pricing given B2B insurance carrier focus.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Miss Moneypenny Technologies operates Wallet Studio, a no-code SaaS platform that enables insurance carriers to create, customize, and distribute digital wallet passes for Apple Wallet and Google Wallet. The platform plugs into existing policy administration, claims, CRM, and partner-network systems to deliver digital insurance cards, claims initiation, prevention communications, payment processing, service access, authentication, and renewal triggers directly through customers' mobile wallets without requiring an app download.

Product overview

Miss Moneypenny Technologies operates a single unified platform called Wallet Studio — a no-code SaaS solution for Apple Wallet and Google Wallet. The platform provides tools for pass creation, campaign management, compliance automation, and customer engagement, enabling businesses (primarily in insurance) to deliver policy cards, claims initiation, payment processing, and service access directly through digital wallets. The platform integrates with existing policy admin systems (Guidewire, Keylane, BSI, MSG, Adesso) and does not require customers to build new infrastructure.

Differentiator

Problem solved

Functional benefit

Products and services

• Wallet Studio A no-code SaaS platform that enables businesses — primarily insurance carriers — to create, customize, and distribute digital wallet passes for Apple Wallet and Google Wallet, delivering digital insurance cards, claims initiation, prevention communications, payment processing, service access, authentication, and renewal triggers without requiring an app download.

Quantifiable outcome

• 97% retention rate (vs ~24% for apps)
• +4 more outcomes

Named customers16 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature6 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• GuidewirecoreTechnology or IntegrationIntegration partnership with insurance policy administration system. Plugs into what carriers already run without rip-and-replace.
• KeylanecoreTechnology or IntegrationIntegration partnership with insurance software provider. Enables wallet solutions to connect with Keylane-powered insurance systems.
• MSGcoreTechnology or IntegrationIntegration partnership with MSG insurance software solutions. Part of plug-and-play integration ecosystem.
• BSIcoreTechnology or IntegrationIntegration partnership with BSI insurance software. Enables wallet integration with BSI-powered insurance infrastructure.
• AdessocoreTechnology or IntegrationIntegration partnership with German IT services provider for insurance sector. Part of technology integration ecosystem.
• GooglecoreTechnology or IntegrationPlatform integration partner for Google Wallet. Wallet Studio platform enables creation and distribution of Google Wallet passes for insurance carriers.
• VisacoreTechnology or IntegrationPayment integration partner for wallet-based insurance payments. Enables payment processing through wallet integration.
• InsurtechHub MunichminorStrategic or Co-development PartnerInnovation partner in Munich insurtech ecosystem. Part of technology and innovation partnership network.
• Insurtech UKminorStrategic or Co-development PartnerInnovation partner in UK insurtech ecosystem. Part of global insurtech partnership network.
• InsurTech IsraelminorStrategic or Co-development PartnerInnovation partner in Israeli insurtech ecosystem. Part of global insurtech partnership network.
• PlugAndPlayminorStrategic or Co-development PartnerInnovation partner through PlugAndPlay accelerator program. Part of global insurtech innovation ecosystem.
• Tech_Insurlab GermanyminorStrategic or Co-development PartnerInnovation partner in German insurtech lab ecosystem. Part of technology and innovation partnership network.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• PassKit: PassKit is a SaaS platform for creating and distributing Apple Wallet and Google Wallet passes. It is the closest direct competitor to Miss Moneypenny's Wallet Studio, targeting marketing and customer engagement use cases across multiple verticals.
• PassNinja: PassNinja offers a no-code/low-code platform for building, distributing, and managing digital wallet passes for Apple Wallet and Google Wallet. Directly comparable to Wallet Studio's no-code journey builder approach.
• Passcreator: Passcreator is a German-built wallet pass platform for Apple Wallet and Google Wallet. Closely comparable as a European-headquartered direct competitor serving the same SMB-to-enterprise wallet pass market.

Emerging players

• Vibes: Vibes is a mobile engagement platform with deep wallet pass and SMS/mobile messaging capabilities. Comparable as a wallet-enabled customer engagement layer, though broader in channel mix than Wallet Studio's insurance focus.
• Airship (Urban Airship): Airship is a mobile customer experience platform with push, in-app, and wallet pass messaging. Comparable as an enterprise mobile engagement platform, but oriented toward app-first engagement rather than wallet-native journeys.
• ZineOne: ZineOne is an AI-driven real-time personalization platform used by financial services and insurance for in-session customer engagement. Comparable as a customer engagement infrastructure player targeting insurance carriers' personalization budgets.

Broad incumbents

• Salesforce Marketing Cloud: Salesforce Marketing Cloud is a broad enterprise marketing automation suite used by many of the same insurance carriers. Comparable as a competing channel for customer engagement budgets, with vastly broader portfolio but less wallet-native depth.
• Adobe Experience Cloud: Adobe Experience Cloud offers enterprise CX, campaign, and analytics tools widely deployed in financial services and insurance. A broad incumbent that could natively add wallet pass capabilities and compete for engagement budget.
• Twilio Segment / Engage: Twilio provides messaging, customer engagement, and CDP infrastructure widely used by insurance and fintech. Comparable as an alternative communication infrastructure provider, though not wallet-specialized.
• HubSpot: HubSpot is a broad CRM and marketing automation platform that serves insurance and financial services. Comparable as a competing engagement and automation platform for mid-market and enterprise carriers evaluating wallet-enabled communication.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors2 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 Miss Moneypenny Technologies