Finwave
Finwave (Finomnia S.p.A.) is a fintech software vendor selling end-to-end cloud-native platforms for factoring, leasing, consumer finance, UTP/NPL, core banking, wealth management, RegTech, and AI to banks and credit institutions across Italy, Spain, Romania, the Netherlands, and Mexico.
- Company typePrivate
- Founded1987
- HeadquartersCinisello Balsamo, Italy
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Finwave does
Finwave, operating commercially as Finomnia S.p.A. and controlled by Fibonacci HoldCo S.p.A., is an Italy-based vertical fintech software vendor founded in 1987 that sells to banks and credit institutions across Italy, Spain, Romania, the Netherlands, and Mexico via fourteen offices and a direct enterprise field sales motion. The product is a multi-module end-to-end platform organized into three portfolios: Specialty Finance & Lending (factoring, leasing and rental, consumer finance, unlikely-to-pay and non-performing loan management), Banking & Compliance (core banking, wealth management and capital markets, RegTech), and Artificial Intelligence (AI governance and compliance, AI marketing and HR, AI applications, AI strategy and adoption). Underlying technology is cloud-native, scalable, and secured by ISO/IEC 27001, ISO 9001, ISO 22301, and ISO 14001 certifications. The business model combines software subscriptions (SaaS) and managed services, with outsourcing covering the full credit cycle from origination through servicing; pricing is quote-based via a request-for-information contact channel rather than published list pricing. Customer base and revenue figures are not publicly disclosed.
Finwave firmographics
Firmographics- Name
- Finwave
- Legal name
- Finomnia S.p.A.
- Website
- https://finwave.it
- Company type
- Private
- Founded year
- 1987
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Finwave (Finomnia S.p.A.) is a fintech software vendor selling end-to-end cloud-native platforms for factoring, leasing, consumer finance, UTP/NPL, core banking, wealth management, RegTech, and AI to banks and credit institutions across Italy, Spain, Romania, the Netherlands, and Mexico.
- Ownership category
- akta.pro rank
Finwave industry classification
Industry- Product category
- Financial Software (Banking & Specialty Finance Platforms)
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)
- akta.pro secondary industries
- SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM), Debt Management & Paydown (Student Loans, Credit Cards) (FSAGADAD)
Keywords
Where Finwave is headquartered
LocationHeadquarters
- HQ city
- Cinisello Balsamo
- HQ country
- Italy
- HQ region
- Europe
Offices14 records
Markets served
Finwave business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- SaaS/Software Subscriptions: The company offers software-as-a-service solutions with scalable tools and customized processes. The outsourcing approach supports the entire credit cycle, suggesting recurring subscription-based revenue from financial institutions.
- Digital Technology Services: Scalable, secure, cloud-native digital platforms enabling financial ecosystem transformation, likely generating revenue through platform licensing and implementation services.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels1 record
Finwave product offering
Product offeringCore offering
Finwave (Finomnia S.p.A.) develops and sells end-to-end digital software platforms to banks and credit institutions, organized into three portfolios: Specialty Finance & Lending (Factoring, Leasing and Rental, Consumer Finance, UTP/NPL), Banking & Compliance (Core Banking, Wealth Management & Capital Markets, RegTech), and Artificial Intelligence (AI Governance & Compliance, AI Marketing & HR, AI Applications, AI Strategy & Adoption). The company complements its software platforms with SaaS outsourcing that covers the full credit cycle from origination to servicing, and Digital Technology services delivering cloud-native, scalable, and secure infrastructure.
Product overview
Finomnia is a financial software leader offering a multi-module platform architecture organized into three main solution portfolios: Specialty Finance & Lending (Factoring, Leasing e Noleggio, Consumer Finance, UTP/NPL), Banking & Compliance (Core Banking, Wealth Management & Capital Markets, RegTech), and Artificial Intelligence (AI Governance & Compliance, AI Marketing & HR, AI Applications, AI Strategy & Adoption). The company complements its software platforms with Software as a Service outsourcing (covering the full credit cycle from origination to servicing) and Digital Technology services for cloud-native platform infrastructure. This end-to-end approach enables technology transformation for banks and credit institutions.
Differentiator
Problem solved
Functional benefit
Products and services
- Factoring Digital platform solution for factoring operations, part of Finwave's Specialty Finance & Lending portfolio, designed for banks and credit institutions needing end-to-end factoring workflow digitalization.
- Leasing and Rental (Leasing e Noleggio) Digital platform solution for leasing and rental operations within the Specialty Finance & Lending portfolio, sold to banks and credit institutions for end-to-end leasing workflow management.
- Consumer Finance Digital platform solution for consumer lending operations within the Specialty Finance & Lending portfolio, sold to banks and credit institutions for end-to-end consumer finance workflow management.
- UTP / NPL Management Digital platform solution for unlikely-to-pay (UTP) and non-performing loan (NPL) management within the Specialty Finance & Lending portfolio, sold to banks and credit institutions.
- Core Banking Core banking platform solution within the Banking & Compliance portfolio for banking operations management, sold to banks and credit institutions.
- Wealth Management & Capital Markets Platform solution for wealth management and capital markets operations within the Banking & Compliance portfolio, sold to banks and credit institutions.
- RegTech Regulatory technology solutions within the Banking & Compliance portfolio for compliance management, sold to banks and credit institutions.
- AI Governance & Compliance Solutions Artificial intelligence solutions for AI governance and compliance applications, sold to banks and credit institutions within Finwave's Artificial Intelligence portfolio.
- AI Marketing & HR Solutions Artificial intelligence solutions for marketing and human resources applications within the Artificial Intelligence portfolio, sold to banks and credit institutions.
- AI Applications (Applicazioni AI) AI applications within the Artificial Intelligence portfolio, sold to banks and credit institutions as standalone AI products.
- AI Strategy & Adoption AI strategy consulting and adoption services within the Artificial Intelligence portfolio, sold to banks and credit institutions seeking to operationalize AI.
- Software as a Service (Outsourcing) Outsourcing service combining scalable tools, customized processes, and regulatory oversight to support the entire credit cycle from origination to servicing, sold to banks and credit institutions.
- Digital Technology Cloud-native, scalable, secure digital technology services enabling transformation of the financial ecosystem, sold to banks and credit institutions as an integrated technology delivery offering.
Companies that use Finwave
Customer profileSegments1 record
Ideal customer profiles1 record
Finwave technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Finwave partnerships and signals
Strategic signalScale indicators2 records
Recent moves5 records
Expansion highlights5 records
Finwave competitors and assessment
Company assessmentBroad incumbents
- Infosys Finacle: Banking platform from Infosys covering core banking, lending, wealth, and digital channels for global banks. Competes in the same enterprise banking-software category as Finomnia, particularly across European and emerging-market banks.
- FIS (Fidelity National Information Services): Global financial technology giant providing core banking, lending, payments, and capital markets software. Overlaps with Finomnia's core banking and lending modules but as part of a much broader portfolio.
- Oracle Financial Services Software: Provider of banking, lending, and compliance software underpinned by a global technology stack. Comparable enterprise bank customer base and lending-platform capabilities, but at substantially larger scale.
Emerging players
- Wolters Kluwer Compliance Solutions: Provider of regulatory compliance and risk management software to banks and financial institutions. Directly comparable to Finomnia's RegTech module and AI Governance & Compliance offerings.
Direct peers
- Mambu: Cloud-native core banking and lending platform-as-a-service provider to banks, fintechs, and lenders. Comparable to Finomnia's cloud-native SaaS approach for lending and core banking transformation.
- nCino: Cloud-native banking platform focused on commercial, consumer, and small business lending plus onboarding for financial institutions. Overlaps with Finomnia's cloud-native Specialty Finance & Lending modules and similar enterprise bank customer base.
- Temenos: Swiss-listed banking software vendor providing core banking, lending, wealth, and compliance platforms to banks worldwide. Directly comparable to Finomnia's core banking, lending, and RegTech modules serving European banks.
- Sopra Steria Banking (Sopra Banking Software): European banking software vendor offering core banking, lending, and digital channel solutions to banks. Competes head-to-head with Finomnia in mid-market European bank transformation deals.
- CRIF: Italian-headquartered credit information, credit decisioning, and fintech software provider. Highly comparable as a fellow Italian credit-data and lending-software specialist serving European banks and financial institutions.
Regional players
- Tinexta (now part of TeamSystem Group): Italian digital trust and fintech software group offering credit information, digital signature, and compliance solutions. Comparable as a fellow Italian B2B fintech-software peer serving banks and financial institutions.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Finwave social profiles
Digital presenceFinwave compliance and trust
Trust signalCompliance4 records
Finwave financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finwave leadership team
Management profileNumber of profiles
Finwave funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finwave M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Finwave
What does Finwave do?
Finwave (Finomnia S.p.A.) develops and sells end-to-end digital software platforms to banks and credit institutions, organized into three portfolios: Specialty Finance & Lending (Factoring, Leasing and Rental, Consumer Finance, UTP/NPL), Banking & Compliance (Core Banking, Wealth Management & Capital Markets, RegTech), and Artificial Intelligence (AI Governance & Compliance, AI Marketing & HR, AI Applications, AI Strategy & Adoption). The company complements its software platforms with SaaS outsourcing that covers the full credit cycle from origination to servicing, and Digital Technology services delivering cloud-native, scalable, and secure infrastructure.
Is Finwave a public or private company?
Finwave is a private company. It is classified as corporate owned and is currently operating.
When was Finwave founded?
Finwave was founded in 1987. It employs 101 to 250 people.
Where is Finwave based?
Finwave is headquartered in Cinisello Balsamo, Italy, in the Europe region.
How does Finwave make money?
Two revenue lines are on record. SaaS/Software Subscriptions are the primary driver. The others are digital Technology Services.
Who are Finwave's main competitors?
Broad incumbents on record are Infosys Finacle, FIS (Fidelity National Information Services) and Oracle Financial Services Software. Wolters Kluwer Compliance Solutions is listed as an emerging player. Direct peers are Mambu, nCino, Temenos, Sopra Steria Banking (Sopra Banking Software) and CRIF. Tinexta (now part of TeamSystem Group) is listed as a regional player.
Does Finwave have an API?
No public API is recorded for Finwave.
What industry is Finwave in?
Finwave's product category is Financial Software (Banking & Specialty Finance Platforms). Its primary akta.pro industry code is FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking), with a secondary code of FSAGAJAM, SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning). Its NAICS code is 518210 and its SIC code is 6199.