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Mastercard Lighthouse FINITIV 2025 Fall Program welcomes 15 forward-looking Nordic and Baltic fintech and fintech-enabler companies

finitiv class fall 2025

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.

Meet the Mastercard Lighthouse FINITIV Fall Class of 2025:

Sweden

  • 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.

Finland

  • 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.

Baltics

  • 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.

“We are very pleased welcoming Nets/Nexi Group to Mastercard Lighthouse FINITIV as program partner. Nets/Nexi Group brings a wealth of knowledge, experience and innovative drive in the fintech space and will be able to support the startups very well to help them reach their vision and mission.”

Joakim Höglund

Partnership Business Manager at Swedbank (Fintech Partnerships)

“The Mastercard Lighthouse FINITIV program is a catalyst for our innovation journey at SEB. It gives direct access to structured collaboration opportunities with selected fintech startups, future-proofing our products and services. Most important, this comes with tangible outcomes — meaningful partnerships or at least a pilot in each program batch.”

Marius Ribokas

Innovation lead in Fintech partnerships, SEB Baltics

“It is very encouraging to see the level of creativity and innovative spirit amongst the companies that will take part this fall in the Mastercard Lighthouse FINITIV program that focuses on fintechs and fintech enablers. Through the program we are committed to facilitate partnerships and together with our partner banks and advisors collaborate with the companies to bring new innovative payment and other solutions to consumers, merchants, banks and businesses.”

Mats Taraldsson

Head of Fintech and Impact Tech Engagement at Mastercard Northern Europe

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

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