The Best of FinTech Europe from Finovate 2015

Finovate is an internationally recognized conference series that focuses exclusively on showcasing the best and most innovative new financial and banking technologies. Finovate conferences consistently attract large, high-impact audiences of senior financial and banking executives, venture capitalists, press, industry analysts, bloggers, regulators, and entrepreneurs. Recently the FinovateEurope chapter of Finovate 2015 was conducted on the 10th & 11th of February in London.

Finovate brings the best aspects of the Fintech world together onto a single platform. Companies from around the globe showcase the next generation of cutting edge Fintech innovations. Below we highlight some major presentations and demonstrations from the even that caught our eye:


LifePay is one of the largest mPOS EMV chip & pin companies in Russia specializing in payments technology for SMEs. LifePay is rolling out business solutions to new markets in Asia and Europe, including:

  • mPOS
  • Cash Register with LifePad and MDM system
  • Merchant portal with CRM and sales analytics
  • Online acquiring
  • Credits for merchants
  • POS credits for individuals


The company showcased how its mobile payments app rewards consumers and offers retailers added benefits. Yoyo integrates into the retailer's till system and uses a unique QR code for each transaction, which is scanned at the point of sale. For consumers, it's a quick and easy way to pay and get rewarded. For retailers, Yoyo provides a set of tools which will enable them to better target their customers with relevant rewards, offers, and incentives.

Smart eMoney

Smart eMoney is offering an anti-fraud security solution called LockbyMobile. To address the potential breach in credit card or ATM security, LockByMobile provides an additional security layer for cardholder accounts such as credit, debit, ATM and prepaid card, or even electronic wallets. It empowers cardholders to take control by 'locking and unlocking' their accounts in real time using their mobile phone.


Revolut brought its new personal money cloud app to the stage. This app looks very promising, allowing users to exchange currencies at interbank rates, send them through social networks, and spend with a multi-currency card accepted anywhere. All of these features are placed at your fingertips, through a beautiful mobile application. There are features that will blow your mind. Just one example: the ability to pay with bitcoins in any shop through the Revolut multi-currency card.