FintechOS

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

Insurtech Infrastructure Growth 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

At a Glance

Founded: 2017
Headquarters: London, United Kingdom
Employees: 201-500
Funding: Series B+ (USD 146M total)

Category & Focus

Category: Insurtech Infrastructure
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

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