Fintus

What Fintus does

Fintus GmbH, founded in 2016/2017 and headquartered in Frankfurt am Main with a secondary office in Münster, sells a low-code banking platform called the fintus Suite to financial institutions in the DACH region and broader Europe. The product is built on a three-layer architecture: an Angular-based presentation layer, a business layer centered on a proprietary Process Orchestrator using BPMN 2.0 and DMN standards, and a Java/REST/OpenAPI service layer that integrates with existing core banking systems without requiring replacement. Core modules include the Digitale Antragsstrecke (digital application journey), a SelfService Portal, a Digitaler Arbeitsplatz (digital workplace for bank employees), the Process Orchestrator, and the fintus Cloud SaaS deployment option running in TÜV-certified Tier 3+ data centers in Frankfurt and Nürnberg; AI-based document analysis is delivered via the wholly-owned subsidiary finted.

The company serves retail/consumer banking, SME/Mittelstand lending, corporate banking, investment and development banks, real estate financing, and asset financing/leasing customers. Named references include KT Bank (paperless onboarding with application time cut from 5 days to 10 minutes), Investitions- und Strukturband Rheinland-Pfalz (a €15 billion Ahr valley flood relief platform delivered in under 4 weeks), and various German banks using SME lending automation. Revenue is generated through recurring software/SaaS subscriptions (annual billing, quote-based pricing) plus implementation and professional services delivered through certified partners including Accenture, BearingPoint, Adesso, Atos, plenum, SKS Solutions, IKOR, QUANTO Solutions, and XPACT. Fintus is a privately held company backed by private equity sponsor AnaCap Financial Investors, operates as part of the finone Group alongside finted and the acquired Finstreet GmbH, and holds ISO 9001, ISO 27001, and ISAE 3402 Type 1 certifications.

Name

Fintus

Legal name

fintus GmbH

Website

https://fintus.de

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

51–100 employees

Short description

Fintus GmbH is a Frankfurt-based, AnaCap-backed software vendor that sells a low-code banking platform (the fintus Suite) to banks, leasing firms, and development banks in the DACH region, covering digital onboarding, credit decisioning, and process orchestration.

Ownership category

akta.pro rank

Product category

Banking Software / Core Banking Platform

NAICS

Activities Related to Credit Intermediation (5223), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computer Systems Design and Related Services (54151), Computer Systems Design Services (541512)

SIC

Finance Services (6199), Functions Related To Depository Banking, Nec (6099), Miscellaneous Business Credit Institution (6159), Personal Credit Institutions (6141)

akta.pro primary industry

Loan Servicing Platforms (Billing, Statements, Customer Self-Service) (FSAGAHAH)

akta.pro secondary industries

Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG)

Keywords

• Low-code banking platform
• Digital lending automation
• Credit decisioning software
• Loan origination system
• Banking process automation

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Platform Licensing & SaaS Subscription: fintus Suite is sold as a standard software platform, delivered either as SaaS (fintus Cloud) hosted in certified German data centers (Frankfurt, Nürnberg) or deployed on-premises/private cloud at the customer's chosen provider (AWS, Azure, SAP, Google Cloud). Revenue is generated through software licensing and ongoing subscription fees for platform access, updates, and cloud operations.
2. Implementation & Professional Services: Custom implementation, configuration, and integration services delivered through a network of certified consulting and implementation partners (SKS Solutions, Accenture, BearingPoint, IKOR, Adesso, Atos, plenum, QUANTO Solutions, XPACT). Services cover process modelling, core banking system integration, data migration, user training, and go-live support.

Pricing tiers

Distribution channels3 records

Marketing channels6 records

Core offering

Fintus provides the fintus Suite, a modular low-code banking platform that enables financial institutions to digitize, optimize, and automate end-to-end credit, lending, and onboarding processes. The platform integrates a customer-facing digital application track, a 24/7 self-service portal, an employee digital workplace, and a BPMN 2.0-based process orchestrator with existing core banking systems via APIs. It is offered as SaaS (fintus Cloud) or on-premises deployment, complemented by AI-based document analysis through its subsidiary finted.

Product overview

The fintus Suite is a modular low-code banking platform comprising three core components: the Digitale Antragsstrecke (Digital Application Track) for customer onboarding, the SelfService Portal for 24/7 customer self-service, and the Digitaler Arbeitsplatz (Digital Workplace) for employee productivity. The fintus Process Orchestrator serves as the central automation engine enabling BPMN 2.0-based process modeling and execution. Deployment options include the fintus Cloud SaaS offering. The subsidiary finted provides AI-powered document analysis capabilities. The platform integrates with core banking systems without replacement, enabling financial institutions to digitize, optimize, and automate business processes from frontend through to backend.

Differentiator

Problem solved

Functional benefit

Products and services

• fintus Suite Modular low-code banking platform providing end-to-end digital transformation solutions for financial institutions, covering customer-facing application, self-service, digital workplace, and back-office process automation. It is sold as a standard software platform for banks, leasing companies, and development banks.
• Digitale Antragsstrecke (Digital Application Track) Digital customer onboarding and application process covering the complete journey from prospect to customer, including automated scoring, KYC, automated credit decisioning, and e-signature for both corporate and retail banking products (account opening, credit cards, real estate and auto financing, SME lending).
• SelfService Portal Customer-facing frontend providing 24/7 self-service for document upload/download, status tracking of applications and processes, chat functionality, and a secure postbox for communication between customers and bank staff.
• Digitaler Arbeitsplatz (Digital Workplace) Central employee-facing cockpit providing a 360-degree view of all customer, credit, and process data, consolidating information from applicants, external bureaus, documents, and internal bank systems into a single UI. Features intelligent task management (push/pull routing) and automated decision routing for Green/Yellow/Red credit cases.
• fintus Process Orchestrator Central low-code engine for orchestrating the fintus Suite. Enables graphical process modelling per BPMN 2.0 and DMN standards, allowing business users (non-IT) to configure and adapt processes without programming, with rules, dependencies, and exclusions defined via standard BPMN 2.0 notation.
• fintus Cloud SaaS deployment of the fintus Suite operated by fintus in TÜV-certified Tier 3+ data centers in Frankfurt and Nürnberg, compliant with ISO 9001 and ISO 27001. Provides cloud hosting, updates, and 2nd/3rd level support.
• finted (AI Document Analysis) AI platform provided through fintus's sister company finted for automated reading and verification of unstructured text data and documents (tax returns, income statements, short-term business assessments/BWAs, balance sheets) using OCR/ICR technology for credit risk assessment.
• Implementation & Professional Services Custom implementation, configuration, and integration services delivered through a certified partner network (SKS Solutions, Accenture, BearingPoint, IKOR, Adesso, Atos, plenum, QUANTO Solutions, XPACT). Services cover process modelling, core banking system integration, data migration, user training, and go-live support.

Quantifiable outcome

• Paperless, fully digital application process with zero physical documentation
• +7 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

AI capability6 records

Feature7 records

Partnerships

17 partnerships are on record, tiered core, major and minor.

• Finstreet GmbHcoreOthers · 10 January 2023Finstreet is a German software and services provider for digital transformation in financial institutions. Acquired as a bolt-on by fintus in January 2023. The acquisition supports cross-selling opportunities and new software development in the German market. Finstreet is part of the finone group.
• SKS SolutionscoreImplementation/ SI/ Consulting PartnerSAP banking specialists and key implementation partner of fintus. Led implementation of the flood relief platform for ISB. Specializes in managed services for banks and financial services institutions.
• AccenturemajorImplementation/ SI/ Consulting PartnerGlobal consulting firm and fintus implementation partner. Accenture brings over 570,000 professionals with expertise in digitalization, cloud, and cybersecurity across 40+ industries.
• BearingPointmajorImplementation/ SI/ Consulting PartnerManagement and technology consulting firm with 10,000+ employees in 75+ countries. Partner for fintus Suite implementation at financial institutions.
• IKORmajorImplementation/ SI/ Consulting PartnerEuropean technology consultancy and platform integrator serving insurers, banks, and the public sector. 260+ employees across 8 locations, with 20+ years of experience.
• plenummajorImplementation/ SI/ Consulting PartnerManagement consulting firm specializing in transformation between business and IT for financial institutions, insurers, and energy/mobility companies. Focus on regulatory, risk management, credit, and IT.
• AdessomajorImplementation/ SI/ Consulting PartnerIT service provider responsible for over 80 banks in Germany. End-to-end services for future-proof business models combining technology, domain expertise, and methodology.
• AtosmajorImplementation/ SI/ Consulting PartnerGlobal digital transformation company with 112,000 employees and annual revenue of approximately €11 billion. European market leader in cybersecurity and cloud/high-performance computing.
• QUANTO SolutionsmajorImplementation/ SI/ Consulting PartnerAWS Cloud and SAP Gold partner combining business consulting for financial services with technology competence for credit processing, risk, and payment transformation projects.
• XPACTminorImplementation/ SI/ Consulting PartnerProject specialist accompanying large and mid-sized financial institutions in designing business processes and IT solutions. Core competency in planning, design, and implementation.
• finted (Sister Company / Subsidiary)coreTechnology or IntegrationAI company subsidiary of fintus providing an AI platform specifically designed for banks and financial services. Offers automated reading and verification of unstructured text data and documents using OCR/ICR technology for credit risk assessment, tax return analysis, and document intelligence.
• FinTecSystemscoreTechnology or IntegrationLeading German Banking API and Smart Data provider. Provides Open Banking platform for account information services (PSD2), payment initiation, and digital account analysis for fraud prevention and credit scoring.
• IDnowcoreTechnology or IntegrationVideo identification platform providing seamless, GwG-compliant online identification via video chat for KYC/AML compliance within the fintus application process.
• WebID SolutionscoreTechnology or IntegrationProvider of legally compliant digital contract conclusion through qualified electronic signature (QES). Supports video identification and electronic signature for digital onboarding within fintus.
• SCHUFAcoreTechnology or IntegrationGermany's leading credit reporting and information services provider. Provides creditworthiness, identity, and fraud prevention data integrated into fintus scoring models.
• CreditreformcoreTechnology or IntegrationProvides credit scoring, company database (for automated company lookup during SME lending applications), and credit index data integrated into fintus scoring models.
• SAPmajorTechnology or IntegrationSAP SE is integrated with fintus as a core banking system and enterprise software provider. SAP's banking solutions are integrated via fintus's open API infrastructure, notably in the ISB flood relief project where fintus integrated with the SAP core banking system.

Scale indicators4 records

Recent moves7 records

Expansion highlights7 records

Broad incumbents

• Pegasystems: Pega's low-code BPM/decisioning platform powers loan origination and customer engagement for global banks, offering overlapping low-code process orchestration capabilities even though Pega serves many verticals beyond financial services.
• Appian: Appian is a low-code automation platform with financial services use cases in credit decisioning and customer onboarding, competing with fintus's BPMN 2.0 orchestration engine for bank process transformation budgets.
• Temenos: Temenos is a large established banking software provider covering core, digital, and lending capabilities; banks evaluating full-suite replacement or front-end orchestration may compare Temenos against fintus's add-on orchestration layer.
• Sopra Banking Software: Sopra Banking Software serves European banks with digital lending, onboarding, and core extensions, making it a comparable incumbent for German/European banks evaluating digital transformation platforms.

Direct peers

• Mambu: Mambu provides a cloud banking-as-a-service platform with composable loan origination and deposit products, directly comparable to fintus's low-code orchestration approach for digital lending.
• nCino: nCino provides a cloud-based bank operating system with end-to-end loan origination, deposit accounts, and onboarding workflows, competing head-to-head with fintus in digital credit application journeys for commercial and SME banking.
• Thought Machine: Thought Machine's cloud-native core banking platform (Vault) targets Tier 1 and Tier 2 banks aiming to replace legacy core systems — overlapping with fintus's front-to-back process orchestration and digital lending scope.
• Backbase: Backbase offers a digital banking and engagement platform for retail, SME, and corporate banks with low-code orchestration capabilities — the closest direct competitor to fintus across the front-to-back lending and onboarding journey.

Others

• FinTecSystems: FinTecSystems is a German banking-API and smart-data provider integrated into fintus for PSD2 account information and cash-flow analytics, serving as both a partner and a complementary fintech in the same German lending-tech stack.

Emerging players

• OutSystems: OutSystems is a low-code application platform increasingly used by banks for digital onboarding and internal tools, a partial overlap with fintus's BPMN-driven process orchestration for credit workflows.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/fintus-gmbh
• Instagraminstagram.com/fintus_gmbh
• Xx.com/fintus_gmbh

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments

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

Frequently asked questions about Fintus