Barclays Innovation Zone

finperks, headquartered in Berlin and backed by Motive Partners and Seed+Speed Ventures, connects 1,000+ brands across 30 European markets through a single API, contract, and settlement layer, letting banks run cashback programs, HR and payroll providers deliver tax-free employee benefits, and payment apps power gifting and rewards, replacing the separate contracts, layered fees, and fragmented settlements this used to require. The founding team previously built and sold Viafintech, one of Germany's leading fintech infrastructure companies, to NYSE-listed Paysafe Group in 2021.

Gifftid builds decision intelligence infrastructure for the Modern SME economy: businesses whose value is carried forward in contracted pipeline, recurring revenue, retention and delivery record, rather than filed accounts. That value often goes unseen, not because it isn't there, but because the instruments reading it are built for the past. We call that a legibility gap, and closing it is why Gifftid exists. Our R³ and R⁴ products read those forward signals so lenders, investors, funders and procurement teams can assess firms their current instruments miss, without changing who makes the decision: we augment existing processes, we don't replace them. As Open Banking and Smart Data put more of that evidence within reach, it needs infrastructure built to read it forward. That's the gap Gifftid exists to close.

Horizon Zero is an independent research and innovation company focused on turning smart data into better outcomes for people. We work across financial services, energy, government and technology to align data and AI capabilities around real human needs. Through research, practical frameworks and cross-sector programmes, we help organisations translate Open Banking, Open Finance and Smart Data into trusted, inclusive solutions that deliver measurable value for individuals, businesses and society.

The AI that won't get you fired.

Onteric is logic-based AI for precise, defensible answers. 100% consistent, 0% hallucinations and fully auditable.

Organisations feel the pressure to further adopt AI. Yet unreliable, un-auditable outputs demand significant human intervention, while compounding risk and error through each step of the process.

Most AI guesses. Ours proves. Our proprietary neuro-symbolic AI was built in-house by experts from Newcastle University, in collaboration with the FCA, supported by the Development Bank of Wales and UKRI.

Onteric embeds directly into your existing systems via API. You control the journey, the branding, and own the data. Live with as little as four lines of code.

ProofOfID Inc. is redefining KYC validation and digital identity sharing with a decentralized, secure, and user-centric solution. Our white-labelled platform integrates seamlessly with Financial Institutions and private and government sectors, empowering companies and allowing users to take complete control of their personally identifiable information (PII) and financial data.

Built with advanced encryption and AI technology, ProofOfID eliminates the vulnerabilities of traditional identity validation systems, ensuring privacy, security, and trust in every transaction. By offering ProofOfID KYC and ID-sharing solutions, we empower companies and users to securely share their identities with trusted third parties, significantly reducing the risk of identity theft and fraud.

Discover how ProofOfID is transforming the future of identity verification at ProofOfID.io

Serene helps financial institutions detect early signs of financial difficulty, vulnerability and scam susceptibility weeks before traditional risk indicators appear.
Using behavioural intelligence derived from transactional data, Serene enables firms to identify emerging risk earlier, intervene more effectively and deliver better customer outcomes at scale.
Its technology supports a wide range of use cases across credit risk, collections, fraud, customer support and financial inclusion - helping organisations reduce losses, improve operational efficiency and unlock responsible growth, while strengthening Consumer Duty outcomes and long-term customer relationships.