Enqura
Enqura is a London-headquartered fintech founded in 2014 that sells an integrated AI-driven "Fintech Five" platform—covering digital ID verification, multi-factor authentication, customer communication, digital wallets, and mobile/web apps—to 70+ banks, fintechs, insurers, and crypto firms across Europe, MENA, and Central Asia.
- Company typePrivate
- Founded2014
- HeadquartersLondon, United Kingdom
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Enqura does
Enqura is a London-headquartered fintech company founded in 2014 that sells an integrated AI-driven platform for financial-services digital transformation. Its flagship offering, branded "Fintech Five," bundles five products into a shared middleware: EnQualify (AI-driven digital ID verification with on-device liveness, face matching, NFC, OCR, and deepfake detection at under 5 seconds and 99% accuracy), EnSecure (multi-factor authentication with biometric and passwordless flows), EnConnect (AI-powered customer communication across chatbot, live chat, and video), EnWallet (digital wallet and open banking with 120+ integrated features), and EnNovate (mobile and web application development). The platform is positioned as a single-vendor alternative to fragmented KYC, MFA, payments, and engagement stacks, with modular SDKs that can be deployed individually or as a suite.
The company generates revenue primarily through enterprise SaaS subscriptions and usage-based API pricing for verification transactions, supplemented by implementation and consulting services under quote-based annual contracts. It sells through direct enterprise field sales across Europe, GCC, and Turkiye & Central Asia, complemented by channel distribution via Temenos Exchange, Mastercard Engage, Visa Innovation Program, Microsoft Azure Marketplace, and Oracle PartnerNetwork, plus regional system integrators (Mannai, EBLA, Lyst, Serquo). Its customer base of 70+ institutions is concentrated in Turkish banks (Garanti BBVA, Akbank, Odeabank, TEB, Türkiye İş Bankası, Ziraat Katılım, Şekerbank, Alternatif Bank, Burgan, Albaraka, Hedef) and Turkish fintechs (Iyzico, Paribu, VodafonePay, Midas, Ozan, PayTR), with international logos including HSBC, UniCredit, Allianz, and Axa. Operations span offices in London (HQ), Istanbul (R&D), Dubai (regional HQ), Baku, Doha, Toronto, and Kuala Lumpur.
The company has raised approximately $3.5M in disclosed funding across a 2023 seed round led by Eksim Ventures and Startup Burada and a 2025 round from EMG Soft (Canada), with non-dilutive support from the Visa Innovation Program Europe. It is led by Founder & CEO Metin Karabiber, supported by CXOs in product, technology, and strategy, plus regional growth and business development leadership, and has been recognized with the ICA Compliance Awards Europe 2025 and Stevie Awards 2025 for its Fintech Five platform.
Enqura firmographics
Firmographics- Name
- Enqura
- Legal name
- Enqura
- Website
- https://enqura.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Enqura is a London-headquartered fintech founded in 2014 that sells an integrated AI-driven "Fintech Five" platform—covering digital ID verification, multi-factor authentication, customer communication, digital wallets, and mobile/web apps—to 70+ banks, fintechs, insurers, and crypto firms across Europe, MENA, and Central Asia.
- Ownership category
- akta.pro rank
Enqura industry classification
Industry- Product category
- Financial Technology Software
- NAICS
- Software Publishers (5132), Computer Systems Design Services (541512), Other Computer Related Services (541519)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming Services (7371), Services-Computer Integrated Systems Design (7373)
- akta.pro primary industry
- Identity, Fraud & Insurance-Specific RegTech Platforms (FSAGAGAJ)
- akta.pro secondary industries
- Digital Account Opening & Onboarding (eKYC, eSignature, Origination) (FSAGAAAB), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Digital Identity, eKYC & Borrower Verification (Lending-Focused) (FSAGAHAF)
Keywords
Where Enqura is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices7 records
Markets served
Enqura business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales
Revenue model
- SaaS/Platform Licensing: AI-driven fintech platform subscription and licensing to financial institutions. Modular SDK approach allowing banks to deploy individual or bundled products from Fintech Five platform.
- API/Usage-based Services: Usage-based pricing for API calls and verification transactions, particularly for EnQualify identity verification services.
- Professional Services: Implementation and consulting services for deploying Enqura solutions in financial institutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise custom pricing |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels7 records
Enqura product offering
Product offeringCore offering
Enqura builds and sells the Fintech Five platform, an AI-driven integrated financial technology suite comprising five modular products: EnQualify (AI-driven digital identity verification with facial recognition, liveness detection, NFC, OCR, and deepfake fraud prevention), EnSecure (multi-factor strong authentication with passwordless biometrics), EnConnect (AI-powered customer communication via chatbot, live chat, and video calling), EnWallet (digital wallet and open banking platform with 120+ features), and EnNovate (mobile and web applications for financial services). The platform is sold to banks, fintechs, and insurance companies on a subscription and licensing basis with optional professional services for implementation.
Product overview
Enqura offers a unified AI-driven financial technology platform called Fintech Five, which integrates five distinct products within a single middleware architecture. The platform combines EnQualify (AI-powered digital identity verification with facial recognition, liveness detection, OCR, and NFC), EnSecure (multi-factor strong authentication and passwordless biometric login), EnConnect (real-time AI-powered customer communication via chatbot, live chat, and video), EnNovate (mobile and web application development for financial services), and EnWallet (digital wallet and open banking with 120+ integrated features). The middleware provides unified visibility and management across all five products, enabling financial institutions to select individual modules or deploy the complete integrated suite for end-to-end digital transformation.
Differentiator
Problem solved
Functional benefit
Brands
- Fintech Five: AI-driven financial technology platform consisting of five integrated products: EnQualify (digital ID verification), EnSecure (multi-factor authentication), EnConnect (AI customer communication), EnWallet (digital wallet and open banking), and EnNovate (mobile and web applications for financial services).
- EnQualify
- EnSecure
- EnConnect
- EnWallet
- EnNovate
Products and services
- Fintech Five Platform AI-Driven Financial Technology Platform combining five integrated AI-driven fintech products (EnQualify, EnSecure, EnConnect, EnNovate, EnWallet) with middleware providing unified visibility of performance across all products. Designed for financial institutions — banks, fintechs, and insurance companies — seeking to consolidate vendors and accelerate digital transformation.
- EnQualify AI-driven digital identity verification platform with AI on Mobile Edge technology. Provides facial recognition, liveness detection, NFC verification, OCR, and deepfake fraud prevention. Completes ID and face verification in under 5 seconds with 99% accuracy and up to 90% onboarding success rate. Supports 193 countries' identity documents with a 1/10,000,000 false face match ratio. For banks, fintechs, insurance companies, crypto exchanges, and other regulated financial institutions.
- EnSecure Multi-factor strong authentication solution for secure logins, transaction authorization, and document signing. Features passwordless biometric authentication (Face ID, Touch ID), session binding, device integrity checks, and asymmetric transaction signing. Compliant with regulatory requirements including UAE Central Bank mandates. Targets financial institutions requiring PSD2/GDPR-compliant authentication.
- EnConnect Real-time customer communication platform featuring virtual AI assistant, chatbot, live chat, and video calling capabilities. Transforms customer engagement with AI-powered intelligent communication for financial services, including NLP-driven conversational AI and AI-powered video call guidance.
- EnNovate Digital channel development platform for mobile and web applications for financial services. Accelerates digital transformation with seamless, responsive applications, offering up to 50% time-to-market savings. Provides no-code integration capabilities and modular SDKs for embedded deployment.
- EnWallet Digital wallet and open banking platform with 120+ fully integrated functional capabilities for financial transactions, open banking integrations, and comprehensive payment services for financial institutions. Enables PSD2-compliant account access, payment initiation, and transaction management.
- EnQualify AI Agent Autonomous AI agent within EnQualify that conducts context-aware interviews, dynamically adapts to user responses, and continuously verifies identity and liveness throughout entire verification sessions. Operates on Mobile Edge for decentralized KYC with real-time decisioning, transforming human expertise into an intelligent automated process for financial institutions.
- Verification Management Platform Centralized platform within EnQualify for managing and monitoring all verification activities. Features Decision and Management Center, Parametric Definitions, Flexible Process Management, and Data Ready Model for rapid and reliable verification across financial institution deployments.
Quantifiable outcome
- ID verification completion in under 5 seconds
- +7 more outcomes
Companies that use Enqura
Customer profileNamed customers23 records
Segments8 records
Ideal customer profiles3 records
Enqura technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability13 records
Feature10 records
Enqura partnerships and signals
Strategic signalPartnerships
20 partnerships are on record, tiered core and strategic.
- TemenoscoreEnqura's Fintech Five platform (EnQualify, EnSecure, EnWallet, EnConnect, EnNovate) is now available on Temenos Exchange, enabling banks running on Temenos to access AI-driven digital onboarding, strong authentication, and AI-powered customer engagement solutions.
- MicrosoftstrategicEnqura is part of Microsoft Partner Program and products are available on Microsoft Azure Marketplace. Strategic partnership for cloud infrastructure and technology collaboration.
- OraclestrategicOracle PartnerNetwork member providing technology solutions through Oracle ecosystem.
- MastercardstrategicMastercard Engage partner providing payment and fintech solutions to financial institutions globally.
- VisastrategicVisa Innovation Program member enabling Enqura to collaborate on fintech innovation with Visa's global network.
- FimplecoreCloud-native composable core banking platform partnership enabling integration of Enqura's solutions with Fimple's banking platform.
- DGPAYScoreAdvanced payment and banking infrastructure solutions provider partnered for comprehensive fintech offerings.
- GtechcoreFinancial and data technologies provider partnered for innovative solutions.
- SerquocoreATM test and automation tools provider. Enqura is exclusive partner in Turkey and Gulf region for Serquo solutions.
- KeylesscoreMulti-factor authentication tool partnership for providing digital onboarding solutions and MFA together.
- NetmeracoreOmnichannel customer engagement platform partnership providing personalized customer experiences powered by AI.
- Comply AdvantagecoreUK-based AML provider company partnered for compliance and fraud prevention solutions.
- H3M.IOcoreCanada-based AML provider partnered with Enqura & EnQualify for providing digital onboarding solutions and AML together.
- MiraclcorePSD2 compliant GDPR-friendly multi-factor solution partnership for authentication and transaction signing.
- BPCcoreComprehensive solutions for banking and financial services industry, specializing in core banking, digital payments, and financial inclusion.
- YappescoreCutting-edge API platform enabling financial institutions to optimize digital ecosystems, accelerate innovation, and ensure compliance.
- ThetaraycoreAI-driven AML solutions pioneer offering technology that detects financial crime in banking and fintech sectors globally.
- Mannai CorporationcoreQatar-based system integrator specializing in working with financial institutions along with other industries.
- EBLAcoreQatar-based system integrator specialized in working with public banks.
- LystcoreLebanon-based system integrator specializing in working with financial institutions.
Scale indicators11 records
Recent moves6 records
Expansion highlights6 records
Enqura competitors and assessment
Company assessmentDirect peers
- Jumio: Jumio provides AI-powered identity verification, eKYC, and AML screening for financial institutions, fintechs, and crypto exchanges. It is a direct competitor to EnQualify across onboarding, KYC, and fraud detection.
- Onfido: Onfido is a global digital identity verification and KYC/AML platform serving banks and fintechs with AI-driven document and biometric verification. It competes most directly with EnQualify and shares the same enterprise banking buyer.
- Veriff: Veriff is an AI-driven identity verification platform with strong fintech and crypto coverage. It directly competes with EnQualify on document verification, liveness, and fraud prevention.
- Mitek Systems: Mitek is a digital identity verification specialist with mobile deposit, KYC, and biometric capabilities for banks. It competes with EnQualify in mobile-first document and identity verification.
- Persona: Persona is an identity verification and KYC platform offering document verification, liveness detection, and KYB for financial services. It is a best-of-breed specialist competing for the same identity-verification budget as Enqura.
- Trulioo: Trulioo is a global identity verification and business verification (KYB) platform serving financial institutions, payments, and crypto. It is comparable to Enqura in cross-border KYC and AML data coverage.
- iDenfy: iDenfy provides AI-powered identity verification, biometric authentication, and fraud prevention for banks and fintechs. It is an emerging direct peer with comparable KYC, AML, and liveness offerings.
Emerging players
- ID.me: ID.me provides identity verification and digital credentialing for government, financial services, and healthcare. It overlaps with Enqura's regulated-vertical and high-assurance identity use cases.
- ComplyAdvantage: ComplyAdvantage is an AI-driven AML and sanctions screening platform for banks and fintechs. It is already a named Enqura integration partner and competes for the broader compliance budget rather than core KYC.
- Plaid: Plaid is a leading open banking and financial data connectivity platform powering wallet, onboarding, and identity use cases for banks and fintechs. It overlaps with Enqura's EnWallet open-banking module and increasingly competes in KYC.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Enqura social profiles
Digital presenceEnqura compliance and trust
Trust signalCompliance3 records
Enqura financial estimates
Financial estimateRevenue estimate
Valuation estimate
Enqura leadership team
Management profileNumber of profiles
Profiles10 records
Enqura funding detail
Funding detailFunding overview
Funding rounds3 records
Investors15 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Enqura M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Enqura
What does Enqura do?
Enqura builds and sells the Fintech Five platform, an AI-driven integrated financial technology suite comprising five modular products: EnQualify (AI-driven digital identity verification with facial recognition, liveness detection, NFC, OCR, and deepfake fraud prevention), EnSecure (multi-factor strong authentication with passwordless biometrics), EnConnect (AI-powered customer communication via chatbot, live chat, and video calling), EnWallet (digital wallet and open banking platform with 120+ features), and EnNovate (mobile and web applications for financial services). The platform is sold to banks, fintechs, and insurance companies on a subscription and licensing basis with optional professional services for implementation.
Is Enqura a public or private company?
Enqura is a private company. It is classified as venture growth investor backed and is currently operating.
When was Enqura founded?
Enqura was founded in 2014. It employs 51 to 100 people.
Where is Enqura based?
Enqura is headquartered in London, United Kingdom, in the Europe region.
How does Enqura make money?
Three revenue lines are on record. SaaS/Platform Licensing is the primary driver. The others are API/Usage-based Services and professional Services.
Who are Enqura's main competitors?
Direct peers on record are Jumio, Onfido, Veriff, Mitek Systems, Persona, Trulioo and iDenfy. Emerging players are ID.me, ComplyAdvantage and Plaid.
Does Enqura have an API?
No public API is recorded for Enqura.
What industry is Enqura in?
Enqura's product category is Financial Technology Software. Its primary akta.pro industry code is FSAGAGAJ, Identity, Fraud & Insurance-Specific RegTech Platforms, with a secondary code of FSAGAAAB, Digital Account Opening & Onboarding (eKYC, eSignature, Origination). Its NAICS code is 5132 and its SIC code is 7372.