Trailblazing in Fintech

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Fintech forms the spirit of the challenger bank, the disruptor and the startup, and is the driving force which enables incumbents to keep pace with them.

On 3rd-4th December, fintech's finest come together in London at the 5th edition of FinTech Connect. Previous years have seen the likes of Revolut, Atom Bank, TransferWise, Darktrace, WorldRemit, and Oaknorth involved. They need no introduction and have been at the vanguard of positive change in finance for some time now. The trailblazing fintechs in this article represent some of the best examples taken from the new crop. The FinTech Connect class of ’19.



The payments ecosystem is changing. Interoperability is king as all elements of the entrenched value chain are looking to overhaul legacy systems that are no longer fit for purpose. It’s an end to end revolution.

The death rattle of legacy is beginning to sound out, and FinTech Connect plays host to one of the driving forces of the charge unto the breach. Enter, Tribe.

Founded in 2018 by Suresh Vaghjiani, Tribe are a seasoned team of payments experts with decades of experience in the payments industry. It’s this experience that has them positioned at the forefront of payments future. With their innovative and ambitious approach, their modular payment processing product, Isaac, represents a schism with the clunky legacy systems of old.

So called because it handle issuing and acquiring (get it?) Isaac sits at the epicentre of forward looking payment solutions offered by Tribe. Isaac fits and moulds to the differing needs of organisations, as a modular system than can be stripped back or fitted with bells and whistles to the extent a client requires.

Having already secured partnerships with Starling Bank and Union Pay, alongside issuer processing deals with MasterCard and Visa, Tribe are making waves. Legacy in payments is dying, and a modular system that can adapt to the times like Tribe looks set to take its place.

Want to find out more about how Tribe are shaking up the fintech scene? Read their white paper: How disposable technology will redefine the payments value chain.

QUOTE: “I’ve been in Payments for 14 years; I believe that success can, in part, be attributed to an ability to identify the “shooting stars”; those few companies and individuals that will ultimately be successful.  It’s also absolutely vital that you never stop listening, its only through listening that you learn and keep developing.” Suresh Vaghjiani, CEO, Tribe



In 2019, interoperability is king, and OpenFin is leading the way in spreading this message to the capital markets. As the operating system of finance, OpenFin OS transforms the financial desktop, ushering in remarkable efficiencies in workflows, distribution and security.

OpenFin exists one layer above a desktop’s operating system, allowing developers to build multi-window desktop apps that look and feel just like native installed apps. By leveraging OpenFin, banks and buy-side firms can use all sorts of apps – legacy and web, in-house or from a vendor – side-by-side within a single, user-friendly platform. OpenFin stitches together these individual pieces of functionality, making for greatly improved workflows and eliminating the need for longstanding pain points, such as lengthy development schedules and tedious security reviews.

OpenFin OS has made a clear mark on the financial services industry. Currently deployed on over 200,000 desktops in over 60 countries, OpenFin is quickly becoming the market standard.

In a world of shrinking margins and increasingly powerful applications, OpenFin is helping its users make sense of their cluttered desktops and enabling firms to make the most of their investments in technology. They are in good company on this list of innovators who are helping to modernise the global financial industry.

Want to find out more about how OpenFin are shaking up the fintech scene? Read their white paper: Scaling Interoperability: Why your desktop is stuck in the dark ages and how OpenFin can help.

QUOTE: "OpenFin is transforming desktops across the industry powering user experiences and increasing productivity.  Importantly, we provide a foundational layer to accelerate innovation across the industry.  Apple iOS and Android transformed our lives on mobile devices, OpenFin is bringing a generational change to desktop computers.” Adam Toms, CEO Europe, OpenFin



Blockchain has been one of the buzzwords of fintech for the last few years. It sounds cool, it’s a cool idea, and it has the potential to bring significant innovation in Finance. It has all the necessary characteristics of something at the vanguard of innovation.

But, blockchain hasn’t kicked on in the way many in the industry believed it would two or three years ago. Concerns over security, privacy, scalability and governance have stalled adoption. And, this is where Polymath come in. 

Established in 2017 by Trevor Koverko and Chris Housser, Polymath have set out to make it easy to create and manage digital securities on the blockchain, offering a platform to tokenize assets and open up capital markets to new growth opportunities. From the very beginning they sought to establish and build the foundations and standards for a thriving security token ecosystem.

The digital securities pioneers, having paved the way for this new asset class with their issuance platform, are now developing their own blockchain, Polymesh. It spells exciting times in the world of digital assets. It’s an initiative that has the potential to move blockchain towards mainstream use in financial services, by further meeting the requirements of regulators, issuers, traditional investors and new & existing market players.

Want to find out more about how Polymath are shaking up the fintech scene? Read their white paper: The Path to Truly Digital Securities.

QUOTE: Security tokens would bring unprecedented transparency, efficiencies and growth opportunities, but implementing such a novel financial instrument in 2017 was simply too complicated, expensive, and time consuming. To reduce the barriers for other founders and companies looking to take advantage of security token technology, Polymath has released an extensive set of smart contracts designed to create, distribute and manage digital assets on the blockchain. It has spearheaded the standardisation of security tokens with ERC1400 the Security Token Standard. And, it has undertaken the ambitious project of building Polymesh; the purpose-built security token blockchain.”



Software rules the world – it’s changed how factories manufacture products, the way global agriculture produces crops, and how we interact with businesses and each other. Companies of every size and in every industry are dependent on software to run their organization. While software creates opportunities for innovation and helps companies accomplish their missions, it’s also susceptible to failure or to attack it if it is not secured.

On average, more than 85 percent of all software applications have at least one vulnerability, of which more than half remain unaddressed for one to three months. In addition, more than 13 percent of applications have at least one severe flaw. Organizations that don’t have the processes and tools to address this issue are creating undue risks for their customers and even exposing themselves to potential data breaches or legal action.

Veracode is a leading provider of application security testing, offering a platform that enables customers to scan their software for flaws and vulnerabilities and helps remediate them before they lead to a business failure. Standing in an individual position in this list as the only trailblazer not specifically a fintech, Veracode works with financial organizations and Fintechs around the world to help them secure their software.

In a world where applications are the number one attack vector for cybercriminals, Veracode’s solutions are fuelling economic growth and solving some of Fintechs greatest challenges by providing secure software from the start. It’s an essential element to the overall security posture of Fintechs, financial institutions and other companies that have a responsibility to customers, partners and regulators to protect their applications and data.

Veracode serves more than 2,100 customers worldwide across a wide range of industries, including nearly one-third of the Fortune 100, three of the top 4 U.S. commercial banks and more than 20 of Forbes’ 100 Most Valuable Brands.

With its combination of automation, process, and speed, Veracode becomes a seamless part of the software lifecycle, eliminating the friction that arises when security is detached from the development and deployment process.

Fast, frictionless and automated, Veracode’s solutions allow enterprises to fully realise the advantages of DevOps environments while ensuring secure code is synonymous with high-quality code.

Want to find out more about how Veracode is shaking up the fintech scene? Read their white paper: Maturing Your Application Security Program.

QUOTE: There is no application security silver bullet. It’s going to take more than one automated technique and manual processes to secure your applications. Gather the strengths of multiple testing techniques along the entire application lifetime to drive down application risk in your organisation.” Chris Wysopal, Veracode Co-Founder and CTO


That was a roundup of just a sample of those companies trailblazing in fintech, getting involved in FinTech Connect 2019. The event features over 150 exhibiting fintechs and a roster of industry thought leaders discussing latest innovation in the ecosystem during 5 distinct conferences.

An exhibition, over 50 tech demos, 5 conferences and the opportunity to network with 6000 fintech professionals awaits. Come on down to the ExCeL on 3rd-4th December and immerse yourself in fintech’s frontline.


Register for FinTech Connect on 3–4 December at ExCeL, London.