# FintechOS

> AI\-powered platform for financial product operations in banking and insurance

## At a glance

| Field | Value |
| --- | --- |
| Category | Insurtech Infrastructure |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | London, United Kingdom |
| Founded | 2017 |
| Stage | Growth |
| Employees | 201-500 |
| Funding | Series B+ (USD 146M total) |

## Overview

FintechOS is an insurtech infrastructure platform that enables banks and insurers to build, launch, and manage digital financial products without replacing existing core systems. The platform serves carriers, banks, and specialty insurers seeking to accelerate product innovation and automate workflows.

The FintechOS 8 platform combines a no-code/low-code product engine with AI capabilities including an AI copilot (Dex), agentic workflow automation, and a unified data layer. Delivery is SaaS-based with 100% REST API coverage and MCP support, integrating with incumbent core systems through pre-built connectors. Customers configure new insurance and banking products using natural language interfaces without writing custom code.

Founded in 2017 by Teo Blidarus and Sergiu Negut in Bucharest, FintechOS has raised USD 146M across seed through Series B+ rounds from Molten Ventures, Cipio Partners, BlackRock, and EarlyBird VC. Customers include Admiral Group, Howden Group, BRD Groupe Societe Generale, and Avant Money, with reported outcomes including 30% cost reduction and 2x revenue growth at customer sites.

## Products & services

### FintechOS 8 Platform

Composable product operations platform for insurance and banking. Enables product teams to build and launch financial products using no-code configuration, AI-assisted workflow design, and pre-built core system connectors.

**Key features:**

- Generative Configuration via Dex AI copilot for natural language product setup
- Product & Pricing Engine with configurable underwriting rules
- AI Workflows with deterministic agentic orchestration
- Composable Servicing modules for policy, claims, and loan administration
- Unified Data Layer with governed data access and reusable connectors

*Target users:* Product managers, IT teams at carriers and banks

### Intelligent Policy Administration

Pre-built solution package for P&C, life & health, and pet insurance administration. Includes automated policy issuance, renewal, endorsements, and claims intake workflows.

**Key features:**

- Automated underwriting and policy lifecycle management
- Claims intake and workflow routing
- Customer self\-service portals
- Integration with incumbent core systems

*Target users:* P&C and life & health carriers, MGAs

### Unified Product Pricing & Origination

Solution package for deposits, loans, cards, mortgages, and wealth products with origination automation.

**Key features:**

- Configurable pricing and eligibility rules
- Digital application and onboarding journeys
- Human\-in\-the\-loop approval workflows

*Target users:* Banks and financial institutions

## Category & focus

- Subcategories: Low\-code/no\-code platform, Policy administration, AI workflow automation, Embedded insurance
- Insurance verticals: P&C Personal, P&C Commercial, Life & Annuity, Specialty/E&S
- Target customers: Carriers, Brokers, MGAs/MGUs

## Notable customers

- Admiral Group \-\- digital pet insurance launched in 7 months
- BRD Groupe Societe Generale \-\- 95% customer satisfaction, 30% cost reduction, 80% onboarding improvement
- Avant Money \-\- 20x faster mortgage completion
- Howden Group \-\- 2x revenue growth
- BPCE Oney
- MHG Insurance
- Vibrant

## Links

- Website: <https://fintechos.com>
- Directory profile: <https://insurtechlist.com/companies/fintechos/>
- Blog: <https://fintechos.com/blog>
- Careers: <https://fintechos.com/careers>
- Linkedin: <https://www.linkedin.com/company/fintechos>
- Documentation: <https://docs.fintechos.com>

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*Last updated: 2026\-05\-12*