Mastercard Lighthouse FINITIV is a partnership program for startups and early scaleups dedicated to discovering the next fintech or fintech-enabler unicorn. Our mission is to strengthen the financial services ecosystem by combining the energy and innovation of startups and scaleups with the stability and global reach of partner banks (Swedbank, SEB, OP, DNB, Danske Bank, Resurs and SpareBank 1 Østlandet), investors, corporate partners and Mastercard.

The program has launched its 15th round with 15 participants focusing on Sweden, Finland and the Baltics, in diverse topics such as EV charging, embedded insurance, cryptocurrencies and AI-based solutions.

• Billecta provides a fully automated invoicing and payments platform, integrating distribution, payment matching, and debt collection into one seamless flow.  

• Mat Plus turns your digital receipts into cashback for you, and insights for brands to run smarter campaigns and improve products. 

• Movitz Payments offers a plug-and-play platform for account verification and fraud prevention, trusted by tier-1 banks. By connecting to EU Verification of Payee, Swift Pre-validation, and Kinexys by J.P. Morgan, they help institutions comply, cut costs, and build safer payments. 

• StockRepublic helps banks activate, engage, and grow their users with personalized investor insights, social features, and benchmarking tools. 

• Waytobill specializes in recurring payments, moving over volume to automated payments and increasing merchant revenue. 

• Intuitech is the EU market leader in providing AI agents for mortgage and SME lending, cutting time-to-cash and manual labor by 90%, already live and proven in leading banks. 

• KotiCharge is an all-in-one energy optimizer and charging operator for housing companies. 

• PaySaxas is a Finland-licensed EMI providing secure and scalable payment and e-money solutions for businesses across Europe. Their platform combines regulatory compliance, innovation, and modern infrastructure.  

• Quantera.ai delivers domain-specific AI agents that crunch complex financial data of all kinds, automating workflows from weeks to minutes. 

• Yes.inc is building the world’s largest expert insights network, optimized for AI model ingestion.

• EcomWall is a cyber threat intelligence and fraud prevention company. They aim to strengthen their mission of preventing fraud and creating safer financial ecosystems worldwide. 

• Midcontract is an escrow-backed payment platform for freelancers, agencies, and SMBs, solving non-payments, delays, and high fees. 

• Millentic helps global commerce companies integrate with any commerce system, access unified commerce data in real-time, and automate operations their way – to scale faster at low cost. 

• Monemon sole focus is to find the best ways to empower Gen-Z to achieve true financial independence on their terms.  

• INZMO‘s embedded insurance solutions integrate smoothly into business operations, adding value and increasing trust.

Press Contact:
Karin Strand, Communications • Asia Pacific, Europe, Middle East, and Africa (APEMEA), karin.strand@mastercard.com