Finshape

What Finshape does

Finshape is a private digital banking software vendor founded in 2021 through the merger of BSC and W.UP, headquartered in London with operational entities in the Czech Republic (Prague), Slovakia (Prešov), and Hungary (Budapest). The company sells its Digital Bank Operating System (DBOS), described as an agentic, modular, AI-ready platform, to banks and financial institutions across Europe, APAC, and MENA, and claims more than 100 clients globally. The platform is offered alongside modular solutions covering digital onboarding, omni-channel servicing, lending, cards and payments, wealth management, personalisation and AI financial intelligence, loyalty and engagement, workflow automation, and regulatory reporting, with professional services spanning strategy, design, delivery, and team education (DBOS Academy).

The underlying technology is a component-based architecture with open APIs, an AI-ready data layer, a smart-widget library, and agentic workflows aimed at enabling banks to launch new digital products in weeks rather than years. Customer evidence is concentrated in retail and SME banking, with named enterprise clients including Raiffeisen Bank International, Banca Transilvania, Slovenská sporiteľňa, Citi, UniCredit, Erste Group, OTP Group, Al Baraka, and Dubai Islamic Bank. Documented client outcomes include a 68% average conversion uplift and 7.4% conversion rate at RBI via smart widgets, 150,000+ transactions in the first month of Banca Transilvania's BT Go SME app, and 96% of users rating money insights as 'very useful' in RBI implementations.

Finshape monetises through platform licensing (recurring subscription) plus implementation, consulting, and ongoing support services, with custom enterprise pricing. The company has executed two acquisitions (Direct People in Sep 2024 for innovation capacity; Realtime-XLS in Aug 2025 for loyalty capability) and signed two regional partnerships in late 2025 (Dubai Islamic Bank for Islamic banking in the UAE; Systems Limited for MEA distribution). No funding rounds, revenue figures, or institutional ownership data are disclosed in the source material.

Name

Finshape

Legal name

Finshape

Website

http://www.finshape.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Finshape is a private digital banking software vendor that sells its agentic Digital Bank Operating System (DBOS) and modular solutions to banks across Europe, APAC, and MENA, serving more than 100 enterprise clients including Raiffeisen, Citi, UniCredit, Erste, OTP, and Dubai Islamic Bank.

Ownership category

akta.pro rank

Product category

Digital Banking Platform

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)

Keywords

• Digital banking platform
• Banking software
• AI banking solutions
• Open banking APIs
• Core banking modernization

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Platform Licensing: Licensing of the Digital Bank Operating System (DBOS) to banks for digital banking infrastructure
2. Implementation Services: Professional services for platform implementation, integration, and deployment alongside client teams
3. Consulting and Advisory: Business consulting, product design, and innovation design services including segment/product strategy, customer journey design, and AI adoption
4. Ongoing Support: Product and solutions support services for deployed platforms

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Finshape offers the Digital Bank Operating System (DBOS), an agentic digital banking platform that enables banks to deploy digital banking front-ends with modular, vendor-independent architecture. The platform includes modules for digital onboarding, omni-channel servicing, lending, cards and payments, wealth management, AI-driven personalization, loyalty, and regulatory compliance, complemented by professional services for strategy, implementation, consulting, and ongoing support.

Product overview

Finshape offers a platform-plus-modules architecture centred on its Digital Bank Operating System (DBOS), an agentic digital banking platform. The platform serves as a vendor-independent foundation for digital banking, complemented by specialised modules including Digital Onboarding, Omni-channel Digital Servicing, Digital Lending, Cards & Payments, Investments & Wealth Management, Personalisation & AI Financial Intelligence, Loyalty & Engagement (including the acquired Realtime-XLS platform), Processes & Workflows, and Regulatory Compliance. Finshape also provides professional services spanning segment & product strategy, product design, customer journey design, AI adoption, digital solution architecture and delivery, and team education via DBOS Academy.

Differentiator

Problem solved

Functional benefit

Products and services

• Digital Bank Operating System (DBOS) The foundational digital banking platform that enables banks to launch digital banking front-ends with a scalable, vendor-independent foundation. DBOS is an agentic digital banking platform built for AI-ready operations, offering modular architecture for rapid deployment, open APIs, smart widget library, and complete code ownership for banks.
• Realtime-XLS Loyalty Platform Loyalty platform acquired by Finshape in August 2025 to enhance its loyalty, engagement and benefits offerings for banking clients.
• DBOS Academy

Quantifiable outcome

• Launch in weeks/months instead of years
• +4 more outcomes

Named customers9 records

Segments5 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• Systems LimitedcoreStrategic or Co-development Partner · 4 November 2025Strategic partnership to enhance digital banking innovation across the MEA (Middle East and Africa) region. The collaboration combines Systems Limited's regional expertise with Finshape's AI-ready digital banking solutions to develop customer-centric solutions and accelerate digital transformation for banks in the region.
• Dubai Islamic Bank (DIB)coreStrategic or Co-development Partner · 16 October 2025Strategic partnership to enhance DIB's digital banking capabilities, focusing on Shariah-compliant solutions in the UAE. The collaboration enables DIB to utilize Finshape's Digital Bank Operating System (DBOS) for increased agility and innovation in digital banking.
• Direct PeoplecoreStrategic or Co-development Partner · 26 September 2024Finshape acquired a majority stake in Direct People, a Czech innovation agency specializing in digital transformation and developing new digital products. The acquisition enhances Finshape's innovation services and expands its capacity to offer human-centred design and AI-driven solutions to international banking clients.

Scale indicators7 records

Recent moves5 records

Expansion highlights6 records

Emerging players

• nCino: nCino provides a cloud banking platform focused on commercial, SME and corporate banking workflows. It is an adjacent competitor in the SME and corporate digital banking segments where Finshape's BT Go and corporate modules compete.
• Intellect Design Arena: Intellect Design Arena offers a digital banking and core banking suite (iGCB, iDigital) serving retail, corporate and wealth segments. It overlaps with Finshape in digital banking front-end and is a comparable peer in EMEA and emerging markets.

Broad incumbents

• Temenos: Temenos is a large incumbent vendor of core and digital banking software serving thousands of banks globally. It competes with Finshape at the digital front-end and increasingly at the core banking layer, with broader product breadth but a more legacy architecture.
• Sopra Banking Software: Sopra Banking Software is a European-focused banking software vendor offering digital and core banking solutions. It competes with Finshape in European retail and corporate digital banking deals, particularly with mid-sized banks.
• FIS: FIS is a global financial technology incumbent providing core banking, digital, payments and capital markets software. It competes broadly with Finshape in digital banking transformation, particularly for large North American and European bank customers.
• Finastra: Finastra provides a broad suite of financial services software including core, digital, lending and treasury platforms. It is a broad incumbent competitor in the digital and core banking transformation space, particularly with large European and global banks.

Direct peers

• 10x Banking: 10x Banking offers a cloud-native core and digital banking platform targeting Tier-1 incumbents and challengers. It competes with Finshape for modern digital banking platform deals, particularly with large established banks seeking cloud-native transformation.
• Backbase: Backbase is a digital banking platform provider offering a similar Engagement Banking Platform to banks globally. It competes head-to-head with Finshape's DBOS in retail, SME, and corporate digital banking transformation deals, with comparable module-based architecture and a similar target buyer profile.
• Thought Machine: Thought Machine provides cloud-native core and digital banking technology (Vault) to Tier-1 banks including Lloyds, Standard Chartered and JPMorgan. It directly competes with Finshape in modernizing incumbent bank infrastructure with a microservices-based, vendor-independent platform.
• Mambu: Mambu is a SaaS banking platform serving neobanks, incumbents and fintechs with composable core banking. It is a direct competitor in the digital banking platform category and overlaps with Finshape in SME, lending and retail banking deployments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/empathicbanking
• Facebookfacebook.com/Finshape
• LinkedInlinkedin.com/company/finshapegroup

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A6 records

Investments

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

Frequently asked questions about Finshape