Best Fintech Software Development Companies in Finland to Watch

Fintech buyers in Finland often struggle to balance strict regulatory requirements, robust security controls, and the need to deliver customer-facing features on a tight timeline. When evaluating vendors, compare domain experience with Finnish and EU financial regulations, encryption and data-residency practices, payments and open-banking integrations, delivery methodology, scalability of engineering teams, and post-launch support and testing.

SoftPro is the featured international partner leading this list and serves buyers across Finland. Below are 15 additional companies to consider, with notes on technical capabilities, regulatory awareness, delivery models, and product design focus.

1. SoftPro

As the featured international partner on this list, SoftPro leads the shortlist for readers seeking fintech software development in Finland by delivering remote engineering teams and end-to-end projects for fintech startups, payment platforms, and financial services divisions. The company positions cross-border delivery and long-term engagement to support product development, integrations, and platform modernization for Finnish clients without claiming a local office in the market.
The technical core at SoftPro is anchored in Microsoft technologies, with explicit experience in and .NET Core and cloud-native work on Azure that supports enterprise CMS projects and platform migrations. The team pairs full-stack engineering with managed post-launch support to keep financial applications secure, maintained, and operational through ongoing cycles.

Key Highlights

• Over 20 years of combined team experience across delivered projects.
• Case studies include CRM/HRM systems, a SAAS ETL platform, and a business portal.
• Website and resources are published in multiple languages and include a Finnish language option.
• Client testimonials note dedicated project managers and QA allocation when projects require extra oversight.

Services

• Software development
• Web application development
• Cloud development
• Artificial intelligence

Contact Information

Website: soft-pro.pl

Phone: +48 571 282 759

Address: Poland, Warsaw, Mazowieckie Voivodeship, 13 Erasmus Ciołka St. 401

LinkedIn: www.linkedin.com/in/kyrylo-o

2. Enfuce

Enfuce builds a cloud-native, modular card issuing and processing platform that exposes APIs for banks, fintechs and consumer brands to design and run branded card programmes. The company pairs an API-first stack with hands-on migration and programme-delivery support to help clients move legacy card services into real-time, scalable infrastructure.

Enfuce positions its delivery around modularity and market-by-market scaling, supporting product launches from blueprint through multi-market operation while keeping compliance and operational controls integrated into the platform. The approach is aimed at teams that need rapid time-to-market with predictable operational boundaries and programme-level isolation.

Key Highlights

• Founded in 2016 and described on the site as female-founded and led.
• Licensed as an Electronic Money Institution and supervised by the Finnish Financial Supervisory Authority (FIN‑FSA).
• Platform uptime reported at 99.999% and the platform supports 29 million cardholders worldwide.
• Average platform response time listed at 160ms for real-time decisions.

Services

• Card issuing
• Issuer processing
• Card programme migration
• Embedded analytics

Contact Information

Website: enfuce.com

Address: Enfuce Financial Services Oy, Metsänneidonkuja 12, 02130 Espoo, Finland

Address: Elverksgatan 10, 22100 Mariehamn, Finland

Address: Enfuce UK Ltd, Huckletree, 1 Primrose Street, London EC2A 2EX, United Kingdom

Email: press@enfuce.com

Email: legal@enfuce.com

Email: privacy@enfuce.com

Email: complaints@enfuce.com

Email: officials@enfuce.com

Email: invoice@enfuce.com

3. Tietoevry (Banking)

Tietoevry Banking builds cloud-native banking platforms, open APIs, and a real-time processing foundation that help banks modernize core systems and accelerate digital payments adoption.

The business emphasizes modular, composable delivery and supports migration to SaaS or managed-cloud operating models so banks can reduce time-to-market for new products and simplify integrations.

Key Highlights

• Tietoevry Banking has registered with the European Payments Council as a provider of Routing and Verification Mechanisms (RVM) for Verification of Payee (VoP).
• Its Payment Hub supports payment schemes and standards including SEPA credit transfers, SEPA instant (SCT Instant), Target2, P27, and ISO 20022 messaging, and the platform integrates Visa Direct for faster B2B flows.
• The group launched Payments as a Service Plus (PaaS+) on 19 June 2023, a cloud payments platform bundled with managed payments operations for banks.

Services

• Core Banking Foundation
• Composable Payment Hub
• Payments as a Service (PaaS+)
• Banking as a Platform

Contact Information

Website: www.tietoevry.com

Phone: +358 20 720 10

Email: financial.services@tietoevry.com

Email: TxB@tietoevry.com

Email: info@tietoevry.com

Address: Keilalahdentie 2-4, P.O.Box 2, FI-02101 Espoo, Finland. (tietoevry.com)

4. Paytrail

Paytrail is Finland’s largest online payments company and the most used payment service for Finnish webshops, apps and marketplaces. The platform gives merchants a single contract to accept a broad set of domestic and international payment methods and manage transactions through a central merchant panel.

The company supports rapid implementation with prebuilt integrations to nearly all e-commerce platforms and public developer documentation, and it offers unified online and in-store (omnichannel) capabilities that make it relevant to fintech software development projects focused on payments and integrations.

Key Highlights

• Paytrail was founded in 2007.
• Paytrail reports a service availability of 99.98%.
• Paytrail reports a Net Promoter Score (NPS) of +65 for its customer experience.
• Paytrail is part of the Nexi/Nets group.

Services

• Mobile SDK
• Shop-in-shop
• Card tokenization
• Paylink

Contact Information

Website: www.paytrail.com

Email (Sales): myynti@paytrail.com

Email (Partners): kumppanit@paytrail.com

Email (Marketing): markkinointi@paytrail.com

Email (Finance): finance@paytrail.com

Address: Innova 2, Lutakonaukio 7, 40100 Jyväskylä

Address: Hämeenkatu 5 B, 2 krs, 33100 Tampere

Address: Teollisuuskatu 21, 00510 Helsinki

Address: Linnoitustie 6 D, 02600 Espoo

5. Nomentia

Nomentia is a Finland-based SaaS provider of treasury and cash management software that centralizes cash visibility, forecasting, payments, and treasury accounting in a single, modular platform. The Smart Treasury Suite integrates with ERPs and bank systems so finance teams can run bank connectivity, payments orchestration, and forecasting from a single system of record.

The product is delivered as modular components named Connect, Pay, Forecast, Control, and Optimise to let organizations assemble the capabilities they need. Nomentia combines its cloud software with regional implementation specialists and support to accelerate deployment for corporate treasury teams.

Key Highlights

• Maintains 10,000+ bank connections to support global multibank connectivity.
• Holds an ISO/IEC 27001:2022 certificate issued 22 May 2025 (certificate valid until 16 June 2026).
• Serves 1,400+ treasury and finance teams across approximately 100 countries.
• Announced a partnership with SkySparc on 8 April 2026 to strengthen implementation and advisory delivery.

Services

• Treasury Management
• Bank Connectivity
• Cash Forecasting
• Payments & Bank Account Management

Contact Information

Website: www.nomentia.com

Phone: +358 9 425 50187

Email: support@nomentia.com

Address: Linnoitustie 6, Espoo 02600, Finland

LinkedIn: linkedin.com/company/nomentia

6. Holvi

Holvi is a Finnish digital business banking platform that combines a payment account, cards, invoicing, and bookkeeping tools into a single web and mobile experience for solopreneurs and small teams. The product is delivered fully online with instant account opening and in‑app receipt capture to reduce manual bookkeeping workload.

Holvi focuses on automating finance workflows by offering bank connections, accounting sync, and data export/API options to push transaction and invoice data into accounting tools. The platform targets small businesses that want an integrated banking and bookkeeping flow without visiting branches or juggling multiple vendors.

Key Highlights

• Regulated by the Financial Supervisory Authority of Finland as an Authorised Payment Institution.
• Card products are issued under licence from Mastercard.
• Payment accounts available in 18 currencies with direct pricing and no third‑party providers for multi‑currency transfers.
• Interest on payment account balances: 1.5% until December 31, 2026, and 1.0% thereafter.

Services

• Business accounts
• Invoicing
• Expense management
• Physical & virtual cards

Contact Information

Website: www.holvi.com

Email: support@holvi.com

Address: Kaikukatu 2 C, 00530 Helsinki, Finland

7. Zervant

Zervant builds web and mobile tools that help sole traders and small companies handle invoicing and basic financial administration. The product is designed to reduce administrative time through a streamlined interface and ready-made templates suited to small-business workflows.

A free entry tier with paid upgrades lets users scale into premium capabilities as their needs grow, which aligns the product with fintech development priorities in Finland around payment integrations and interoperability. Zervant’s product-first approach and simple commercial model make it a relevant company to watch in the Finnish fintech software space.

Key Highlights

• Zervant joined the Ageras Group in late 2021.
• Bank feeds in Zervant are delivered via a partnership with Enable Banking and are currently supported in Finland and Sweden.
• Bank feed functionality is available from the Pro paid plan upward.
• Zervant’s e-invoicing supports common UK address formats including VAT number, GLN and DUNS.

Services

• Online invoicing
• E-invoicing & postal delivery
• Bank reconciliation (bank feeds)
• Time tracking & reporting

Contact Information

Website: www.zervant.com

Address: Zervant UK, 87 Warwick Street, Leamington Spa, Warwickshire, England, CV32 4RJ

8. Epassi

Epassi runs a 100% digital mobile benefits platform that lets employers top up employee accounts and employees redeem meal, wellbeing, commuting, and culture benefits through a large merchant network.

The company operates as a payment provider and manages back-end HR and accounting services for employee benefits while scaling across multiple European markets through acquisitions and platform integrations.

Key Highlights

• 36 million users, 107,000 merchants and 50,000 employer customers operating across nine markets.
• Epassi Clearing holds a payment institution licence granted by the Finnish Financial Supervisory Authority.
• ISO 27001 information security certification is indicated on the company site.
• Recognised repeatedly on the Financial Times FT1000 list of Europe’s fastest-growing companies for 2022–2025 and listed among Europe’s Long-Term Growth Champions.

Services

• Meal (Lunch) benefit
• Sport & Wellbeing benefits
• Commuting benefit
• Bike leasing service

Contact Information

Website: www.epassi.com

Phone: +358 200 69 000 (1,75 € + local network charge)

Email: info@epassi.fi

Email: investor@epassi.com

Email: partners@epassi.com

Address: Porkkalankatu 22 A, 00180 Helsinki

([epassi.com](https: //www.epassi.com/contact-us?utm_source=openai))

9. Procountor

Procountor is a cloud-based financial management platform in the Finago product family that centralizes invoicing, payments, bookkeeping and reporting for small and medium-sized companies and accounting offices. The product set includes both full financials and a Solo offering and can be used through a web UI and mobile interface.

Procountor publishes a developer-focused RESTful API with OAuth2 and machine-to-machine support to enable real-time integrations and automation of accounting workflows, making it a relevant vendor for fintech software firms building integrations in the Finnish market.

Key Highlights

• Trusted by over 100,000 customers and 1,400 accounting offices in Finland.
• Public, versioned API with OpenAPI/OAS 3.1 documentation and named version releases (latest API version listed as 26.08).
• API certification is a pre-requisite to join the Procountor Software Partner Program and an Easy API self-service activation flow is available for integrations.
• Parent product family Finago has renewed ISO/IEC 27001:2022 certification, signalling an audited information security program.

Services

• Procountor Financials
• Procountor Solo
• Procountor Mobile App
• Procountor Ledger

Contact Information

Website: www.procountor.com

Phone: +358 20 7879 840 (Customer service)

Phone (Sales): +358 20 7879 830

Phone (Switchboard): +358 20 116 0400

Email (Sales): myynti@finago.com

Email (Integrations): integrations@procountor.com

Email (Training): koulutus@procountor.com

Email (Invoicing): laskutus@finago.com

Address: Finago Oy, Keilaniementie 1, 02150 Espoo, Finland

10. Zevoy

Zevoy is a Helsinki-based fintech that develops a cloud-first expense and spend-management platform that automates company spending and centralizes finance workflows for accounting and operations teams. The product targets finance-led automation by combining programmatic payments, data extraction, and integrations to reduce manual reconciliation and approval overhead.

The company designs the platform for rapid deployment across Nordic and selected European markets, offering self-service onboarding and APIs that connect Zevoy to existing bookkeeping and HR systems. This delivery focus and platform architecture make Zevoy a relevant peer in lists about Finnish fintech software companies to watch.

Key Highlights

• Finnish electronic money institution authorised and regulated by the Financial Supervisory Authority (Fin‑FSA).
• Company cards are issued under licence from Visa Europe Limited.
• ISO 27001 certified for information security management.
• Over 2,000 organisations across Northern Europe use Zevoy.

Services

• Visa Platinum company cards
• AI receipt scanning
• Dedicated virtual cards
• Bookkeeping integrations

Contact Information

Website: zevoy.com

Address: Zevoy Aktiebolag, Eteläesplanadi 24 A, 00130 Helsinki, Finland

11. Narvi Payments

Narvi Payments is a Finland-regulated electronic money institution that issues dedicated Finnish IBAN business accounts and supports SEPA Instant and SWIFT transfers for international companies. The platform targets businesses that need integrated cross-border payments and account services under a Nordic compliance umbrella.

The company combines a proprietary online banking product with an API-first Banking-as-a-Service offering and an in-house Treasury Desk for foreign exchange and crypto OTC flows. Narvi emphasizes fast, fully digital onboarding that can open accounts in under ten minutes.

Key Highlights

• Authorized Electronic Money Institution with Finnish Financial Supervisory Authority registration number 3190214-6.
• Passporting rights in 29 European countries, enabling EU-wide coverage.
• Ability to send payments to 100+ countries and convert to 75+ currencies and local payment rails.
• Member of Mastercard Lighthouse (FINITIV) and highlighted at Money20/20 industry events.

Services

• Dedicated IBAN Accounts
• BaaS API
• Treasury & FX Desk
• Crypto OTC Desk

Contact Information

Website: narvi.com

12. Samlink

Samlink is Kyndryl’s banking IT unit in the Nordics that builds secure banking applications and modern platforms for financial institutions. The company combines local banking domain knowledge with enterprise-grade infrastructure to support banks that must meet strict regulatory and security requirements.

Samlink uses an incremental modernization delivery model that integrates cloud-native capabilities with legacy mainframe systems to reduce operational risk and accelerate new service delivery. The firm pairs advisory expertise with operational services to help banks modernize technology stacks while maintaining continuity of critical systems.

Key Highlights

• Over 30 years of banking IT experience serving Finnish financial institutions.
• Offers a PSD3 Impact Assessment service delivered in partnership with DLA Piper Finland.
• Publishes SIAM Pro as a service integration capability to coordinate multi-vendor operations.
• Supported a cloud-based IT modernization programme for the Savings Bank Group in collaboration with Kyndryl.

Services

• Advisory Services
• AI Services for Banks
• Application Services
• Modernization of Services

Contact Information

Website: www.samlink.fi

Phone (Service Desk): +358 29 170 4330

Phone (Espoo office): +358 9 548 050

Phone (Jyväskylä office): +358 10 424 6000

Email (Communications): communications@samlink.fi

Email (Sales): sales@samlink.fi

Email (Service Desk): techsupport@samlink.fi

Email (Public authorities): viranomaistiedustelut@samlink.fi

Address (Espoo): PO. Box 130 (Linnoitustie 9), FI-02601 Espoo

Address (Jyväskylä): Piippukatu 11, FI-40100 Jyväskylä

13. Fennoa

Fennoa is a Finnish cloud-based financial management platform that brings accounting firms and their client companies into a single collaborative workspace. The product is delivered through partner accounting firms so firms manage client finances inside one shared system.

Fennoa speeds firm workflows with embedded automation and AI that perform routine reconciliation and administrative tasks in the background. Development and operations are kept in Finland and the company hosts production servers domestically to support local data residency.

Key Highlights

• Fennoa announced the acquisition of Avaa Solutions Oy to strengthen its offerings for property management and isännöinti workflows.
• The company reported a 34% increase in revenue in a recent annual update.
• Fennoa displays the Avainlippu (Key Flag) symbol as a mark of Finnish origin.
• The site describes Fennoa Mobiili as the sector’s most comprehensive mobile app for accounting clients and firms.

Services

• Bookkeeping
• Payroll
• Invoicing
• Financial reporting

Contact Information

Website: fennoa.com

Email: myynti@fennoa.com

Email: tuki@fennoa.com

Phone: 010 274 3705

Phone: 010 274 3700

14. Coinmotion

Coinmotion is a Finland-based crypto service that lets individuals and businesses buy, sell, store, and set up monthly savings in cryptocurrencies through its web and mobile apps.

The platform integrates with Finnish banks, supports tax reporting for investors, and serves over 150,000 Nordic users with customer support in Finnish, Swedish, and English.

Key Highlights

• Founded in Finland in 2012.
• Holds licences from the Finnish Financial Supervisory Authority as a regulated virtual currency service provider and also has a payment institution licence.
• Operates an OTC Trading Desk and offers a Coinmotion Wealth product for institutional and wealth clients.
• Lists a selection of over 300 cryptocurrencies on its platform.

Services

• Personal
• Business
• Coinmotion Wealth
• OTC Trading Desk

Contact Information

Website: coinmotion.com

Address: Coinmotion Oy (2469683-1), Kauppakatu 39, 40100 Jyväskylä, Finland

15. Northcrypto

Northcrypto is a Finland-based crypto-asset service provider licensed by the Finnish Financial Supervisory Authority. The platform simplifies buying, selling and holding cryptocurrencies for Nordic retail customers through web and mobile channels.

Onboarding uses Finnish online-banking identity verification and the company emphasizes regulated custody controls to segregate customer assets from operational holdings. Those delivery choices make Northcrypto a relevant fintech partner for businesses evaluating compliant crypto integrations from Finland.

Key Highlights

• Trading fees for orders start at 1.0% and decrease to 0.6% for more active traders.
• The referral program credits 50% of the trading fees paid by a referred user for a period of six months.
• Registered as NorthCrypto Oy with business ID 2918254-9 and headquartered in Turku, Finland.
• The platform lists over 260 cryptocurrencies available for trading and custody.

Services

• Retail crypto trading
• Automated recurring investments
• Northcrypto Private wealth service

Contact Information

Website: www.northcrypto.com

Address: NorthCrypto Oy

Business ID: 2918254-9

Address: Kristiinankatu 1 B 25, 20100 Turku, Finland

16. Finago (formerly Accountor)

Finago is a Finland-based software company that builds cloud SaaS products for accounting, payroll, and business operations under product brands such as Procountor and Ecom. The company’s modular, integration-friendly platform and managed SaaS delivery model make it a pragmatic partner for fintech projects that need embedded accounting, payroll, or payment workflows delivered with productized support.

Key Highlights

• Finago holds ISO/IEC 27001 certification that covers most companies and offices in the Finago Group.
• The Procountor Store lists integrations with 100+ software partners.
• Procountor Junior brings AI-driven processing into Procountor’s accounting workflows.
• Finago publishes a trust centre covering information security, privacy, and compliance.

Services

• Procountor
• Procountor Solo
• Ecom

Contact Information

Website: finago.com

Email: comms@finago.com

Email: firstname.lastname@finago.com

Address: Keilaniementie 1, 02150 Espoo (HQ)

Address: Inkognitogata 33, 0256 Oslo

Address: Sveavägen 9, 111 57 Stockholm

Conclusion

SoftPro is the featured partner on this list and is presented for readers seeking fintech software development in Finland; the company delivers remote engineering teams and end-to-end project delivery.

When choosing among providers, match the vendor to your project scope, regulatory requirements, and preferred delivery model. Assess whether you need licensed payments or crypto support, cloud-native API-first platforms, modular SaaS for treasury or accounting, or outsourced engineering teams for custom builds. Prioritize clear integration paths with your existing systems, documented onboarding and support processes, and local banking or regulatory expertise to reduce implementation time and operational risk.