The 2018 Portuguese Fintech Landscape Guide profiles 111 fintech companies and stakeholders, highlighting the growth and dynamism of the ecosystem since the previous edition. It includes a program called 'Connecting the Dots,' aimed at fostering collaboration between finance and technology students and industry professionals. The document emphasizes the importance of innovation, community contributions, and offers a detailed map of the fintech landscape in Portugal.

1. CAPA

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Welcome to the 2018 Portuguese Fintech Landscape Guide.
This is the second edition of this guide, in 2017 we profiled 59 fintech businesses, and in
2018 we will have 111 companies profiled, and the ecosystem is growing, new additions are on
the way.
This dynamic list is in alphabetical order and includes fintech startups, fintech companies
or services that belong to major companies, fintech incubators and other fintech stakeholders.
All the fintech companies must have Portuguese founders but headquarters can be anywhere.
We are sure that more exist, and we wait for Your support to tell us which, but we are also
sure that some don’t exist anymore or have disappeared in the meantime. The market works in
both ways. But as all startup founders know, we can fail and keep on going, and we also learn
from those who fail and are willing to share their experience, that’s why they are still in this list.
The information was gathered on the internet and maybe it’s not up-to-date, it’s our MVP
of the Portuguese Fintech Landscape, as a dynamic list we will try to improve and keep it actual.
If any information regarding your company is incomplete or incorrect, please let us know and
we will update it.
We would like to thank all the valuable contributions given, that helped us improve the
information regarding the Portuguese fintech ecosystem. On our research we have also found
that not only we have more fintech companies with Portuguese founders than we first thought
but we also found that we have many Portuguese developers dispersed in many international
fintech companies worldwide. That gave us a lot a pleasure to discover and many good ideas
for other projects.
In 2018 we have started a program called Connecting the dots. This program consists of
a series of Talks that are held in several Portuguese Universities with the mission to empower
Portuguese fintech ecosystem by improving the interaction between, finance and technology
students, and fintech stakeholders. You can read more about it in the following chapters.
If you want to participate or need any assistance, please do not hesitate to contact.
Augusto Santos
CEO
fintech.Portugal
augusto@fintech.pt

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05 fintech Portugal
what we do
06 the author
who´s he
07 give before you get
be the giver, not the taker
09 stats fintech Portugal
Statista 2018
13 connecting the dots
how to help the Portuguese fintech ecosystem
15 fintech map
all the brands in the ecosystem
16 instructions
how to explore the landscape
17 the landscape
all the ecosystem
55 the future
cannot be predicted, but futures can be invented
56 contacts
get in touch

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f i n t e c h . P o r t u g a l
Combining innovative business models and
technology to ENABLE, ENHANCE and DISRUPT
financial services.
These are the main areas fintech.Portugal can help you
and the Portuguese Fintech ecosystem:

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Augusto Santos begun his professional
career in 1985 as a COBOL developer and in
1990 he started the 1st of 6 tech companies.
Graduated in Marketing Management,
he works in marketing consulting since 2004
and for 10yrs he worked in marketing and
sales for two multinational companies.
Founded fintech.Portugal in 2015 as a
consulting service, with the mission to
empower Portuguese Fintech Ecosystem.
He is the publisher of the Portuguese
Fintech Landscape since 2017.
In 2018 he started Connecting the
Dots, a series of talks that promote fintech
within the Universities.
FOR MORE PROFESSIONAL
INFORMATION:

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Give before you get
#GiveBeforeYouGet / #GiveFirst
Brad Feld (@bfeld) is an American entrepreneur and venture capitalist. In a
LinkedIn article from 31 December 2012, Brad encouraged everyone to adopt one of his
deeply held beliefs, that of “give before you get.”
In order to give before you get, we must adopt a philosophy of helping others
without an expectation of what we are going to get back. It’s not altruistic - we do
expect to get things in return - but we don’t set up the relationship to be a transactional
one. For Brad that applies also to our private life, that act of giving without expectations
makes us happy, and we can and should live a happy life. (1)
Simon Sinek (@simonsinek) is a British-American author, motivational speaker and
organizational consultant. In his presentation “Why Leaders Eat Last” he talks about the
impact of hormones in our body and in our lives as human beings. The hormone Oxytocin
as a huge impact in our lives and we get it from the act of giving, of helping others. (2)
Mark Suster (@msuster) is an American entrepreneur and venture capitalist. In an
Ink Magazine article from 2013, Mark also told as about this philosophy and tells us that
we live in a world of asking. Everybody is asking for something, networking as come to
an asking event instead of an investment in creating and maintaining relationships. (3)
Recently I meet someone that went to TechStars and was amazed by their
“#GiveFirst” philosophy. Maybe it’s not a coincidence that Mark Suster and Brad Felt are
mentors in TechStars. Techstars promotes the concept of giving without expecting a
transactional return. It’s the first point in Techstars Code of Conduct: “We give first.” (4)
As Brad told in 2012, as you begin 2019, consider adopting a give before you get
approach. It might surprise you what you’ll get!
#GiveBeforeYouGet / #GiveFirst
(1 ) h t t p s : / / w w w. l i n k e d i n . c o m / p u l s e / 2 0 1 2 1 2 3 1 1 6 0 6 0 1 - 6 3 3 2 - g i v e - b e f o r e - yo u - g e t /
(2 ) h t t p s : / / w w w. yo u t u b e . c o m / wa t c h ? v = R e R c H d e U G 9 Y & t = 1 3 9 1 s
(3 ) h t t p s : / / w w w. i n c . c o m / m a r k - s u s t e r / wh y - yo u - s h o u l d - g i v e - b e f o r e - yo u - g e t . h t m l
(4 ) h t t p s : / / c o l o r a d o s u n . c o m / 2 0 1 8 / 1 2 / 0 4 / g i v e - f i r s t - t e c h s t a r s - c o l o r a d o - g i v e s - e n t r e p r e n e u r s - s t a r t u p s /

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Fintech Stats Portugal
FinTech is short for ‘Financial Technology’, the central concept of structural
change and digitization within the financial services industry. Under the collective name
FinTech (which still lacks a clear definition even within the industry), financial services
are understood within the framework of the Digital Market Outlook; digital
infrastructures allowing the establishment of new types of agreements and procedures
in the classic areas of banking such as lending, investment strategies and payments.
The characteristics of the digitization process of financial services include:
simplified access for end users via the Internet or mobile Apps, an increase in the
processing speed of automated processes, reduction in costs, a stronger focus on
customer service, more convenience, higher transparency and the exploitation of
network effects.
The FinTech market is characterized by a rapidly growing number of startups and
businesses without bank licenses (non-banks). For an overview of the total potential of
the FinTech market, a split between classic banks and non-banks is not sensible,
because consolidation processes, co-operations and white label solutions mean that
there will be no clear differentiation in the future. Therefore, a functions-oriented
segmentation is preferred, based on an access- or business model-based split of the
market. FinTech start-ups tend to focus on selected parts of the financial value chain
and try to unbundle traditional bank business models.
All monetary information in the FinTech section of the Digital Market Outlook
refers to the potential transaction volumes of the respective segments and not
corporate revenue.
The following are not included in the current market definition: agency
commissions via metasearch engines, for example, in the credit and insurance sector,
business-to-business payments, API management, agencies and external credit scoring,
crypto currencies (including Bitcoin) and complementary services such as online
identification or account management.
STATISTA, 2018

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Stats Fintech
Transaction Value
(in million US$)
Total Transaction
Value in the Digital
Payments segment
amounts to
US$6,583m in 2018.

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Transaction Value
Growth
(in percent)
The FinTech market
is expected to show a
transaction value
growth of 14.7% in
2019.
The Digital
Commerce segment
is expected to show a
transaction value
growth of 11.6% in
2019.
User
(in millions)
In the Digital
Payments segment,
the number of users
is expected to
amount to 6.74m by
2022.

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av. Transaction
Value per User
(in US$)
The average
transaction value per
user in the Digital
Payments segment
amounts to US$1,022
in 2018.
Penetration Rate
(in percent)
User penetration in
the Digital Payments
segment is at 62.8%
in 2018.
Global Comparison
- Transaction Value
(in million US$)
With a total
transaction value of
US$1,269,792m in
2018, the highest
value worldwide is
reached in China.

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C O N N E C T I N G
T H E D O T S …
It’s an initiative that visits Portuguese Universities with the mission to
improve the interaction between finance and technology students with
fintech stakeholders in order to empower Portuguese fintech ecosystem.
The program of “connecting the dots” includes four parts:
1. about fintech.portugal and its mission,
2. about fintech in the world and in Portugal,
3. the opportunity to meet fintech stakeholders sharing their
experience in various topics,
4. it all ends with a Q&A about the session.
CONTACT US:
• If You want to have this initiative in your University, or know
someone who does;
• If You are a fintech stakeholder and want to be a part of this
initiative;
#f int ec h Po rtu ga l
po rtu ga l@f int ec h. pt
www .f int ec h. pt
Fin te ch Por tug a l
20 18
Combining innovative
business models and
technology to ENABLE,
ENHANCE and DISRUPT
financial services.

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WWW.FINTECH.PT

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EACH INDIVIDUAL COMPANY RECORD IS ORGANIZED AS FOLLOWS:
1. … the logo of the brand. The brand / Service and
the company name might not be the same. You if click
on the logo you will be redirected to the company’s
webpage.
2. … the year it was founded, the location of the
headquarters and the segment it operates. The Status
indicates is its ACTIVE OR INACTIVE.
3. … links to the company´s LinkedIn, Facebook
and Twitter page. If the social media logo it’s in
color grey, there is no link.
4. … a short description of the service provided.
5. At each company record you can find up to
three persons that represent it. Their photo. name
and position will be available. By clicking on the
photo, you will be redirected to that persons
LinkedIn page.
• If You know of other fintech companies that should be in this list, please
contact us with more info.
• If any information regarding your company is incomplete or incorrect,
please let us know and we will update it.

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THE
LANDSCAPE

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Founded 2016
Location Switzerland
Segment PAYMENTS
Status ACTIVE
ABYPAY IS YOUR BLOCKCHAIN SECURE MULTI -CURRENCY WALLET, TO CARRY DAY TO DAY PERSONAL AND
BUSINESS TRANSACTIONS SUCH AS: PAY, TRANSFER MONEY FROM ANYONE TO ANYWHERE. MULTI-CURRENCY
PAYMENT ACCOUNTS INCLUDING FOR MAJOR CRYPTOCURRENCIES.
JOAQUIM
LAMBIZA
CO-FOUNDER
NUNO
ARAUJO
CTO
Founded 1994
Location Lisbon
Segment BANK
Status ACTIVE
INNOVATION IS PART OF OUR DNA. IT IS PRESENT IN THE CHARACTERISTICS OF EACH PRODUCT AND IN THE
CHANNELS OF REMOTE ACCESS TO THE BANK, IN THE APPLICATIONS THAT WE CREATE FOR SMARTPHONE OR
TABLET, OR IN THE COMPLETE OFFER ADAPTED TO YOUR LIFESTYLE.
DULCE MOTA
CEO
Founded 2013
Location London
Segment INVESTMENT
Status ACTIVE
ADVICEFRONT IS AN INVESTMENT EXPERIENCE PLATFORM FOR INDEPENDENT FINANCIAL ADVISORS AND THEIR
CLIENTS, THAT COMBINES ALGORITHMIC INVESTING WITH THE BEHAVIORAL SIDE OF FINANCIAL ADVICE.
JOSÉ SUPICO
CEO
ANDRÉ COSTA
CTO

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Founded 2017
Location Lisbon
Segment ASSOCIATION
Status ACTIVE
ASSOCIAÇÃO FINTECH INSURTECH DE PORTUGAL. WE ARE AN ECLECTIC NON-PROFIT ASSOCIATION THAT SEEKS
TO PROMOTE AND DEVELOP THE FINTECH AND INSURTECH SECTORS IN PORTUGAL.
LUIS MIGUEL
VIEIRA
EXECUTIVE BOARD
MEMBER
Founded -
Location -
Segment INVESTMENT
Status ACTIVE
IN ANALYTICAL TRADER, WE USE OUR EXPERIENCE IN TRADING AND CODING TO DEVELOP SOFTWARE THAT AID
THE TRADER IN MAKING PROFITABLE DECISIONS.
LEONARDO
BARATA
-
Founded 2018
Location -
Segment ASSOCIATION
Status ACTIVE
THE PORTUGUESE BLOCKCHAIN ALLIANCE IS AN ECOSYSTEM COMPOSED OF COMPANIES, STARTUPS,
UNIVERSITIES AND STUDENTS WITH THE OBJECTIVE TO DEVELOP THE NATIONAL SKILLS IN BLOCKCHAIN.
RUI
SERAPICOS
PRESIDENT OF THE
BOARD
PEDRO FILIPE
GODINHO
CO-FOUNDER

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c
Founded 2017
Location Lisbon
Segment ASSOCIATION
Status ACTIVE
PORTUGUESE BLOCKCHAIN AND CRYPTOCURRENCY ASSOCIATION.
FRED
ANTUNES
Board President
DIOGO LINO
Executive Board
Member
Founded 2017
Location Singapore
Segment BLOCKCHAIN
Status ACTIVE
APPCOINS PROVIDES DEVELOPERS A TRANSPARENT AND EFFICIENT WAY TO MONETIZE THEIR APPS AND BUILD
A REPUTATION ACROSS APP STORES; PROVIDES USERS A TRUSTED ENVIRONMENT WITH NEW PURCHASING
POSSIBILITIES AND INCENTIVES TO DISCOVER APPS.
PAULO
TREZENTOS
CO-FOUNDER / CEO
(APPTOIDE)
ÁLVARO
PINTO
CO-FOUNDER / COO
(APPTOIDE)
Founded 2017
Location Porto
Segment INVESTMENT
Status ACTIVE
BETMARKETS IS A WEB PLATFORM THAT ALLOWS YOU TO INVEST IN SPORTS BETTING BY COPYING SPORTS
BETTING EXPERTS. WE ARE THE FIRST PLATFORM OF THE KIND THAT DOESN’T REQUIRE YOU TO GO THROUGH
THE HASSLE OF CREATING AN ACCOUNT WITH A BETTING HOUSE AND WHERE ALL EXPERTS GO THROUGH A
THIRD-PARTY VERIFICATION OF THEIR TRACK RECORDS.
AFONSO
VIEIRA
CO-FOUNDER / CEO
ANDRÉ
FLÓRIDO DA
COSTA
CO-FOUNDER / COO

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Founded 2014
Location Estoril
Segment BLOCKCHAIN
Status -
PROMOTING THE CRYPTO CURRENCY CONCEPT, DEVELOPMENT OF BUSINESS SOLUTIONS BASED ON THE BITCOIN
TECHNOLOGY AND DEVELOPING RELATED COMMERCIAL PRODUCTS.
JOAQUIM
LAMBIZA
CEO
Founded 2014
Location Lisbon
Segment BANK
Status ACTIVE
BANCO BNI EUROPA IS A FINANCIAL INSTITUTION WITH THE AMBITION TO GROW SIGNIFICANTLY AND IT
INTENDS TO CHALLENGE THE HIGH STREET BANKS, WHILE USING THE LATEST TECHNOLOGY OFFERED BY THE
FINTECH INDUSTRY IN TERMS OF RISK ANALYSIS, TIME TO MARKET AND CUSTOMER EXPERIENCE.
PEDRO PINTO
COELHO
CHAIRMAN AND
CHIEF EXECUTIVE
OFFICER
PAULA
LANDEIRO
HEAD OF
MARKETING
DEPARTMENT
Founded 2013
Location -
Segment FINANCE MANAGER
Status ACTIVE
BOONZI IS AN APPLICATION USED BY MORE THAN 60,000 PORTUGUESE TO MANAGE MONEY AND CONTROL THE
FAMILY BUDGET.
RUBIM
FONSECA
FOUNDER
JOÃO
SALEIRO
FOUNDER

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Founded 2016
Location Lisbon
Segment -
Status -
BOTLY IS A BOT STUDIO BUILDING SMART CHATBOTS AND HELPING COMPANIES TO PROVIDE A SUPERIOR USER
EXPERIENCE THROUGH SMART CONVERSATIONS, SUPERIOR CUSTOMER SERVICE AND THE POWER OF ARTIFICIAL
INTELLIGENCE TO FOSTER A TRULY CONVERSATIONAL COMMERCE SERVICE. SMART CHATBOTS TO ADVISE,
RECOMMEND AND SELL FINANCIAL PRODUCT & INSURANCE.
DAVID
DOURADO
DOS SANTOS
FOUNDER / CEO
Founded 2008
Location Oporto
Segment PAYMENTS
Status -
CARDMOBILI SPECIALISES IN INNOVATIVE END-TO-END TECHNOLOGY TO CREATE AND ENABLE DIGITAL WALLET
SERVICES, FOCUSING ON VALUE ADDED SERVICES FOR THE COMMERCE EXPERIENCE.
HELENA LEITE
CEO
Founded 2013-2014
Location -
Segment PAYMENTS
Status INACTIVE
MOBILE PAYMENT NETWORK THAT ENABLES ANYONE WITH A SMARTPHONE TO SEND AND RECEIVE MONEY IN
A MATTER OF SECONDS.
RUCA SOUSA
MARQUES
CEO

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Founded 2014
Location Coimbra
Segment PAYMENTS
Status ACTIVE
CASHYT IS A NEW SOCIAL EXPERIENCE TARGETED FOR YOUNG AND TALENTED PEOPLE. IT WILL INCLUDE
OPPORTUNITIES FOR GETTING REWARDS, EVERYTHING PACKAGED WITH SOCIAL FUN. ONCE YOU START GETTING
REWARDS YOU SHALL USE THIS APP AS YOUR POCKET MONEY.
LUIS SILVA
CEO (WIT
SOFTWARE)
Founded 2014
Location Lisbon
Segment CROWDFUNDING
Status -
CITIZENERGY IS AN ONLINE PLATFORM THAT CONNECTS CITIZENS THAT WANT TO ENGAGE IN THE ENERGY
TRANSITION REVOLUTION WITH EXCITING GREEN ENERGY PROJECTS PROMOTED BY CROWDFUNDING
PLATFORMS AND/OR RENEWABLE ENERGY COOPERATIVES.
NUNO BRITO
JORGE
-
Founded 2015
Location Lisbon
Segment LENDING
Status ACTIVE
CLICINVEST IS A COLLABORATIVE FINANCING PLATFORM WHERE PEOPLE LEND DIRECTLY TO SMALL AND
MEDIUM-SIZED PORTUGUESE COMPANIES FOR AN INTEREST.
NUNO NETTO
CO-FOUNDER
FRANCISCO
VIEIRA ALVES
COO

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Founded 2017
Location Lisbon
Segment BLOCKCHAIN
Status ACTIVE
COINVISION IS DESIGNED TO HELP NEW INVESTORS UNDERSTAND THE CRYPTOCURRENCY MARKET. MILLIONS
OF ENTHUSIASTS ARE BUYING CRYPTOCURRENCIES, BUT MANY DON’T GRASP THE FULL POTENTIAL OF
BLOCKCHAIN-POWERED TECHNOLOGIES.
MIGUEL
LEITE
CO-FOUNDER
TIAGO
MARTINS
CO-FOUNDER
MIGUEL
ALMEIDA
CO-FOUNDER
Founded 2014
Location Oporto
Segment BIG DATA
Status ACTIVE
WE DEVELOP PRODUCTS AND TECHNOLOGY PLATFORMS FOR DATA ANALYSIS WITH HIGH VARIETY AND VOLUME,
MAINLY BUSINESS INTELLIGENCE SOLUTIONS, BIG DATA, CLOUD COMPUTING AND FRAUD DETECTION.
VALTER
PINHO
CEO
HUGO
PICADO
CTO
DIOGO
BASTOS
COO
Founded 2015
Location Lisbon
Segment COMPARISON
Status ACTIVE
COMPARAJA.PT IS A FREE AND INDEPENDENT ONLINE PLATFORM FOR COMPARISON AND ANALYSIS OF
FINANCIAL PRODUCTS AND SERVICES THAT OFFERS USERS THE POSSIBILITY TO IDENTIFY AND ACQUIRE THE
SOLUTION MOST SUITED TO THEIR NEEDS, WITH SIGNIFICANT SAVINGS OF TIME AND MONEY, QUICKLY AND
SIMPLE.
JOSÉ
FIGUEIREDO
MANAGING
DIRECTOR
LOURENÇO
ALMEIDA E
BRITO
COO

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Founded 2010
Location Lisbon
Segment COMPARISON
Status ACTIVE
OUR GOAL IS TO HELP THE LARGEST NUMBER OF PORTUGUESE AND RESIDENTS IN PORTUGAL TO SAVE MONEY.
COMPAREOMERCADO.PT IS DEDICATED TO THE AGGREGATION AND COMPARISON OF FINANCIAL PRODUCTS.
MANUEL
MELLO
CEO
Founded 2016
Location Oporto
Segment LENDING
Status ACTIVE
UPDATE YOUR CREDIT ANALYSIS AND DECISION-MAKING PROCESS. WE ELEVATE CREDIT RISK ANALYSIS TO
ANOTHER LEVEL. SIMPLIFYING IT.
SANDRA
FONSECA
CO-FOUNDER
DANIEL SILVA
CO-FOUNDER
JOSÉ GOMES
CTO
Founded 2014
Location Lisbon
Segment BLOCKCHAIN
Status ACTIVE
AS A TEAM OF PORTUGUESE CRYPTOCOIN BELIEVERS, WE DECIDED TO LAUNCH CRYPTOESCUDO (CESC, SHORT
FORM), A COIN BASED IN CRYPTOGRAPHY, THAT USES COMPLEX MATHEMATICAL PROBLEMS TO ACHIEVE A HIGH
SECURITY LEVEL.
EUGÉNIO
APOLO
-

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Founded 2014
Location Lisbon
Segment BLOCKCHAIN
Status -
THE CRYPTOVILLAGE PROJECT’S MAIN GOAL IS TO BRING BALANCE BETWEEN MANKIND, NATURE AND
TECHNOLOGY. ALL THIS GOVERNED BY BLOCKCHAIN INTEGRATED INTO IOT AND ARTIFICIAL INTELLIGENCE, WITH
IT’S VERY OWN CRYPTOCURRENCY, VILLA COIN.
FRED
ANTUNES
CO-FOUNDER /
CEO
FÁBIO
CAETANO
CO-FOUNDER / CFO
MIGUEL
CARMO
Board President
Founded 2015-2018
Location -
Segment BIG DATA
Status -
DATASONAR, DEVELOPED AND PATENTED BY PKNOA, SA, IS A HIGH PERFORMANCE AND SCALABLE BIG DATA
PLATFORM, CAPABLE OF INGESTING AND ANALYZING HUGE DATA VOLUMES IN REAL TIME FROM DIVERSE
SOURCES.
MARIA JOÃO
MILEU
CEO / COO
Founded 2016
Location Lisbon
Segment INSURTECH
Status ACTIVE
DATA XL'S FLAGSHIP PRODUCT IS THE INSURANCE PRICING ROOM (IPR). THE INSURANCE PRICING ROOM
ALLOWS NONLIFE COMPANIES TO SET UP THE BEST PROFITABLE PRICE TO THEIR CUSTOMER, USING
MATHEMATICAL PRICING DISCRIMINATION TECHNIQUES.
FILIPE
CHARTERS DE
AZEVEDO
FUNDER / CEO

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Founded 2015
Location Seattle
Segment AI
Status ACTIVE
DEFINEDCROWD OFFERS EFFICIENT DATA WORKFLOWSTHAT ACCELERATE ENTERPRISE AI INITIATIVES. WE
ENABLE DATA SCIENTISTS TO COLLECT, SYNTHESIZE, STRUCTUREAND ENRICH TRAINING DATA THROUGH A
COMBINATION OF HUMAN INTELLIGENCE, AUTOMATIC TOOLS, ANDMACHINE LEARNING CAPABILITIES.
DANIELA
BRAGA
FOUNDER / CEO
WALTER
BENADOF
COO
JOÃO
FREITAS
CTO
Founded -
Location Guimarães
Segment SECURITY
Status -
DIGITALSIGN IS AN ELECTRONIC SECURITY COMPANY, WITH EMPHASIS ON ITS ACTIVITY AS A PORTUGUESE
CERTIFYING ENTITY FOR THE ISSUANCE OF QUALIFIED DIGITAL CERTIFICATES.
Founded 2014
Location Lisbon
Segment FINANCE ADVICE
Status ACTIVE
THE FREE SERVICES OF DOCTOR FINANCE ARE AVAILABLE TO ALL PORTUGUESE, IN 5 FRONTS: HOUSING CREDIT,
CONSOLIDATED CREDIT, CREDIT RENEGOTIATION, INSURANCE AND TRAINING IN PERSONAL FINANCE.
RUI
BAIRRADA
CEO
JOÃO
SALEIRO
CTO

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Founded 2015
Location Lisbon
Segment INSURTECH
Status -
DRIVIT'S MISSION IS TO PROVIDE TOOLS CAPABLE OF HELPING DRIVERS TO ADDRESS EVERYDAY BURDENS WHILE
REDUCING THE IMPACT THAT THE CAR HAS IN OUR ENVIRONMENT AND PUBLIC SPACE IN GENERAL.
CARLOS
ABREU
CO-FOUNDER
GONÇALO
FARINHA
CO-FOUNDER
Founded 2007
Location Lisbon
Segment PAYMENTS
Status ACTIVE
EITHER YOU ARE A COMPANY SELLING ONLINE, A SERVICE PROVIDER WITH MONTHLY FEES, A SCHOOL OR A
CLUB WITH RECURRENT PAYMENTS OR AN ASSOCIATION RAISING FUNDS, WITH EASYPAY COLLECTING THOSE
PAYMENTS JUST BECAME EASIER AND FLEXIBLE.
SEBASTIÃO
LANCASTRE
CEO / CO-
FOUNDER
RICARDO
LOPES
CTO
SUSANA
WELSH
CMO
Founded 2014
Location London
Segment BIG DATA
Status ACTIVE
EBANKIT IS AN OMNICHANNEL BANKING SOFTWARE COMPANY THAT HELPS FINANCIAL INSTITUTIONS
WORLDWIDE TO FUTURE-PROOF THEIR BUSINESSES.
RENATO
OLIVEIRA
CEO

30. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
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Founded 2017
Location Lisbon
Segment PAYMENTS
Status ACTIVE
WITH THE WORLD’S FIRST SEAMLESS MICROPAYMENT SYSTEM WE ARE BRIDGING THE GAP BETWEEN
TRADITIONAL PAYMENT METHODS ON SELF -SERVICE AND AUTONOMOUS MACHINES AND REVOLUTIONARY
BLOCKCHAIN TECHNOLOGY BY INCORPORATING REAL -TIME ANALYTICS, PROTECTION AND SIMPLICITY ON YOUR
DAY-TO-DAY BASIS.
JOÃO
MIGUEL LUZ
CO-FOUNDER
JOÃO JESUS
CO-FOUNDER
CESAR ALVES
CO-FOUNDER
Founded 2014
Location Lisbon
Segment CROWDFUNDING
Status ACTIVE
ESOLIDAR IS A GLOBAL GIVING MARKETPLACE THAT EMPOWERS THE CONNECTION BETWEEN CHARITIES AND
THEIR COMMUNITIES BY PROVIDING EASY WAYS TO RAISE FUNDS AND AWARENESS.
MARCO
BARBOSA
CO-FOUNDER / CEO
MIGUEL
VIEIRA
CO-FOUNDER / CTO
Founded 2017
Location Lisbon
Segment BLOCKCHAIN
Status -
ETHERIFY IS A BLOCKCHAIN VENTURE STUDIO THAT BRINGS THE POWER OF ETHEREUM TO THE REAL WORLD
THROUGH EDUCATION, DISRUPTION & INNOVATION, AND THE PRODUCTION OF DECENTRALIZED APPLICATIONS.
JUSTIN WU
FOUNDER

31. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
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Founded 2015
Location Oporto
Segment PAYMENTS
Status ACTIVE
EUPAGO IS A 100% PORTUGUESE PAYMENT INSTITUTION, ACCREDITED AND SUPERVISED BY THE BANK OF
PORTUGAL AND SPECIALIZING IN THE SUPPORT OF PAYMENTS MADE THROUGH THE INTERNET.
JOSÉ VEIGA
FOUNDER
TELMO
SANTOS
FOUNDER
Founded 2013
Location Oporto
Segment PAYMENTS
Status ACTIVE
FACESTORE IS AN INNOVATIVE E-COMMERCE PLATFORM, WHICH ENABLES ANY COMPANY TO OPEN AN ONLINE
BUSINESS AND SELL PRODUCTS OR SERVICES OVER THE INTERNET, ON SOCIAL MEDIA CHANNELS OR THROUGH
MOBILE DEVICES LIKE SMARTPHONES AND TABLETS.
PEDRO
BARBOSA
CEO
BRUNA
NUNES
CMO
Founded 2012
Location Braga
Segment INVOICING
Status ACTIVE
BILLING MANAGEMENT FOR THE MODERN ENTREPRENEUR. DEDICATE YOUR TIME TO THE BUSINESS AND YOUR
CUSTOMERS. BILLING MUST BE LESS OF THE CONCERNS. SO, SIMPLIFY THE WAY TO BILL
HUGO PINTO
CEO / GOFACT

32. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
32
Founded 2009
Location California
Segment BIG DATA
Status ACTIVE
WE’RE CODING THE FUTURE OF COMMERCE WITH A LEADING PLATFORM POWERED BY ARTIFICIAL INTELLIGENCE
AND BIG DATA. FEEDZAI HAS ONE CRITICAL MISSION: MAKE COMMERCE SAFE. THE WORLD’S LARGEST BANKS,
PAYMENT PROVIDERS AND RETAILERS USE FEEDZAI’S MACHINE LEARNING TECHNOLOGY TO MANAGE RISKS
ASSOCIATED WITH BANKING AND SHOPPING, WHETHER IT’S IN PERSON, ONLINE OR VIA MOBILE DEVICES.
NUNO
SEBASTIÃO
FOUNDER / CEO
PEDRO
BIZARRO
FOUNDER / CSO
PAULO
MARQUES
FOUNDER / CTO
Founded 1994
Location Oporto
Segment SOFTWARE
Status ACTIVE
DEVELOPMENT OF SOFTWARE FOR STOCK EXCHANGE TRADING.
ANTÓNIO
JESUS
FOUNDER
JOÃO MARTA
DA CRUZ
FOUNDER
Founded 2015
Location Oporto
Segment PAYMENTS
Status -
WE TRANSFORM RECURRENT ACTIVITIES AND DATA INTO SEAMLESS CUSTOMER DIGITAL EXPERIENCES,
INCREASING TRUST, LOYALTY AND CUSTOMER VALUE AND REDUCING EXIT RATES.
RUI
CERNADAS
CEO
FILIPE PINA
CO-FOUNDER /
CTO
LUIS VAZ
CO-FOUNDER

33. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
33
Founded 2015
Location Oporto
Segment CONSULTING
Status ACTIVE
CONNECTING THE DOTS. EMPOWERING PORTUGUESE FINTECH ECOSYSTEM. COMBINING INNOVATIVE BUSINESS
MODELS AND TECHNOLOGY TO ENABLE, ENHANCE AND DISRUPT FINANCIAL SERVICES.
AUGUSTO
SANTOS
FOUNDER / CEO
Founded 2016
Location California
Segment BLOCKCHAIN
Status -
FINTECH SERVER IS A SUITE OF COMPONENTS FOR FINTECH AND BLOCKCHAIN APPLICATIONS.
JORGE
PEREIRA
FOUNDER / CTO
Founded 2018
Location Setubal
Segment BLOCKCHAIN
Status ACTIVE
FLUID IS A DECENTRALIZED NETWORK AND EXTENSIBLE PLATFORM ECOSYSTEM THAT AIMS TO DEMOCRATIZE
ACCESS TO CRYPTOCURRENCY-BASED FINANCIAL SERVICES FOR BOTH USERS AND DEVELOPERS.
MARCOS
HENRICH
CO-FOUNDER
JOÃO MATOS
CO-FOUNDER
JOÃO MARES
CO-FOUNDER

34. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
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Founded 2013
Location Lisbon
Segment INVESTMENT
Status ACTIVE
GOPARITY IS AN ONLINE SUSTAINABLE INVESTMENT PLATFORM. IT CONNECTS CITIZENS AND INSTITUTIONAL
INVESTORS WITH EXCITING INVESTMENT OPPORTUNITIES THAT ALSO MAKE THE WORLD A BETTER PLACE TO
LIVE IN.
NUNO BRITO
JORGE
CO-FOUNDER
LUIS COUTO
CO-FOUNDER
Founded 2013
Location Lisbon
Segment INSURTECH
Status ACTIVE
HABIT AGGREGATES AND ANALYZES DATA FROM IOT DEVICES, SMART PHONES, AND CONTEXTUAL DATA
SOURCES TO EXTRACT CONSUMER INSIGHTS WHICH ENABLE NEW SERVICES AND DATA -DRIVEN DECISION
MAKING.
DOMINGOS
BRUGES
CO-FOUNDER / CEO
SASHA
DEWITT
CO-FOUNDER / COO
Founded 1984
Location Oporto
Segment INSURTECH
Status ACTIVE
WE ARE AN IT COMPANY SPECIALIZED IN THE DESIGN, DEVELOPMENT AND IMPLEMENTATION OF SOFTWARE
SOLUTIONS FOR THE INSURANCE GLOBAL MARKET.
GASTÃO
TAVEIRA
CEO
MARCO
PERESTRELLO
CTO

35. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
35
Founded 2017
Location Lisbon
Segment INSURTECH
Status ACTIVE
IBSHURANCE HELP INSURANCE COMPANIES TO AUTOMATE CLAIMS, MANAGE ALL PROVIDERS, REDUCE COSTS
AND IMPROVE CUSTOMER EXPERIENCE BY USING ADVANCED WORKFLOW SOLUTIONS COMBINED WITH
MACHINE LEARNING / AI.
JOÃO
MEDINA
FOUNDER
Founded 2016
Location Oporto
Segment PAYMENTS
Status ACTIVE
INVISIBLE COLLECTOR IS A RECEIVABLES RELATIONSHIP AGENT THAT PUTS CREDITORS AND DEBTORS ON THE
SAME PAGE, WHILE PROVIDING REAL -TIME PERFORMANCE ANALYTICS AND PREDICTIVE CASH -FLOWS.
PEDRO
MENDES
CEO
JOÃO
MADUREIRA
CTO
Founded 2005
Location Aveiro
Segment PAYMENTS
Status ACTIVE
ALLOW BUSINESSES, ONLINE STORES, SCHOOLS, CLUBS, ASSOCIATIONS AND MUNICIPALITIES TO ISSUE
MULTIBANCO REFERENCES IN THEIR DOCUMENTS OR WEBSITES.
FILIPE
MOURA
CEO

36. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
36
Founded 1996
Location Lisbon
Segment SOFTWARE
Status ACTIVE
INFOSISTEMA IS A TECHNOLOGY AND BUSINESS CONSULTING COMPANY PROVIDING SYSTEMS OF ENGAGEMENT,
INTEGRATION AND ADVANCED ANALYTICS SOLUTIONS TO BANKING AND INSURANCE COMPANIES.
JORGE
PEREIRA
CO-FOUNDER
GONÇALO
CAEIRO
CO-FOUNDER
ALEXANDRE
DO MONTE
LEE
CO-FOUNDER
Founded 2009
Location Lisbon
Segment INVOICING
Status ACTIVE
INVOICEXPRESS IS AN ONLINE INVOICING SOFTWARE. ITS' SIMPLE AND INTUITIVE INTERFACE MAKES YOUR LIFE
EASIER, LET'S FACE IT INVOICING IS NOT AS SMOOTH AS YOU'D LIKE. IT IS TARGETED SPECIALLY TO MICRO,
SMALL AND MEDIUM ENTERPRISES - AND FREELANCERS.
RUI PEDRO
ALVES
CEO
Founded 2018
Location Oporto
Segment -
Status ACTIVE
ITSCREDIT IS A GROWING SOFTWARE COMPANY FOCUSED ON INNOVATIVE AND DISRUPTIVE CREDIT SOLUTIONS
AND THEIR OVERALL IMPLEMENTATION, COUNTING ON A SPECIALISED TEAM WITH OVER 15 YEARS’ EXPERIENCE
AND PROVIDING SHORT IMPLEMENTATION TIMELINES.
JOÃO LIMA
PINTO
CEO
ANTÓNIO
MONTEIRO
CO-FOUNDER

37. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
37
Founded 2005
Location Oporto
Segment -
Status ACTIVE
WE ARE A SOFTWARE DEVELOPMENT COMPANY SPECIALIZED IN DIGITAL TRANSFORMATION FOR FINANCIAL
INSTITUTIONS. SINCE OUR ESTABLISHMENT IN 2005, WE’VE BEEN EMPOWERING USERS AROUND THE WORLD
TO EASILY ENGAGE WITH CORPORATE APPLICATIONS, CHANGING PEOPLE'S LIVES THROUGH INNOVATION AND
SPECIALIZED KNOWLEDGE.
RENATO
OLIVEIRA
CEO
Founded 2011
Location Braga
Segment SOFTWARE
Status ACTIVE
VAT MANAGEMENT IN AN EASY, FAST AND INTUITIVE FORM. A MOBILE APPLICATION FOR INDEPENDENT
WORKERS, WITH A SIMPLIFIED VAT REGIME.
CARLOS
CASTRO
FOUNDER /
MOBIWARE
Founded 2018
Location Madrid
Segment CROWDFUNDING
Status ACTIVE
CROWDFUNDING PLATFORM, APPROVED AND REGULATED BY THE CMVM (PORTUGUESE SECURITIES MARKET
COMMISSION), GATHERING REAL ESTATE DEVELOPERS WITH SHORT TERM FINANCING NEEDS WITH QUALIFIED
INVESTORS WILLING TO FINANCE THOSE NEEDS.
BERNARDO
FARIA E MAIA
MANAGING
DIRECTOR
RUI CESARIO
PEREIRA
MANAGING
DIRECTOR

38. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
38
Founded 2013
Location New York
Segment AI / BIG DATA
Status ACTIVE
JAMES, FORMERLY KNOWN AS CROWDPROCESS, IS A DATA SCIENCE COMPANY RESPONSIBLE FOR THE RISK
MANAGEMENT TOOL WITH THE SAME NAME THAT HAS BEEN ADOPTED BY FINANCIAL INSTITUTIONS IN EUROPE,
US, AND AFRICA.
JOÃO ABIUL
MENANO
CO-FOUNDER / CEO
PEDRO
GABRIEL
FONSECA
CO-FOUNDER / VP
DATA SCIENCE
Founded 2014
Location Oporto
Segment SECURITY
Status ACTIVE
LEADER IN #JAVASCRIPT APPLICATION INTEGRITY AND ONLY CLIENT -SIDE #RASP SOLUTION TO MAKE APPS SELF-
DEFENSIVE AGAINST TAMPERING AND REVERSE -ENGINEERING #APPSEC
RUI RIBEIRO
CEO
PEDRO
FORTUNA
CO-FOUNDER / CTO
Founded 2017
Location Braga
Segment BLOCKCHAIN
Status -
KIND COIN IS AN APPLICATION THAT ALLOWS YOU TO MAKE MONETARY DONATIONS THAT ARE CONVERTED
INTO KIND COINS SO THAT INSTITUTIONS CAN ENJOY THEIR VALUE IN GOODS THAT ARE NEEDED BY
INSTITUTIONS THROUGH CERTIFIED COMMERCIAL ESTABLISHMENTS.
MARIA VIEIRA
DA SILVA
CEO

39. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
39
Founded 2004
Location Oporto
Segment COMPARISON
Status ACTIVE
THE PRICE COMPARATOR NUMBER 1 OF PORTUGAL.
PAULO
PIMENTA
CEO
Founded 2013
Location Braga
Segment INSURANCE
Status ACTIVE
DEVELOPMENT OF INSURANCE SOFTWARE SOLUTIONS.
LEANDRO
FERNANDES
CEO
Founded 2015
Location Braga
Segment SECURITY
Status ACTIVE
LOQR PROVIDES ADAPTIVE AUTHENTICATION SECURITY SOLUTIONS. WE ARE DEPLOYING WORLD LEADING
CLIENT RECOGNITION AND ACCESS MANAGEMENT SYSTEMS.
RICARDO
COSTA
FOUNDER / CEO
PEDRO
BORGES
CTO

40. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
40
Founded 2007
Location Vila Nova Gaia
Segment PAYMENTS
Status ACTIVE
WE OFFER PAYMENTS BY MOBILE PHONE AND REFERENCES MULTIBANCO AND PAYSHOP SO THAT THE INVOICES
OF YOUR COMPANY CAN BE EASILY PAID.
JOSÉ
ANTÓNIO
RIBEIRO
CEO
Founded 2015
Location Lisbon
Segment INVOICING
Status ACTIVE
MAGNIFINANCE IS A FINANCIAL MANAGEMENT PLATFORM FOR BUSINESSES. WE WANT MANAGERS TO BE ABLE
TO RUN THEIR BUSINESS' MONEY IN JUST 5 DAILY MINUTES. MAGNIFINANCE AUTOMATES 90% OF ALL
FINANCIAL MANAGEMENT TASKS AND DOES ALL THE HEAVY LIFTING SO YOU CAN MANAGE YOUR FINANCES
WITH NO TYPING.
JORGE
RODRIGUES
SANTOS
CEO
Founded -
Location -
Segment BLOCKCHAIN
Status -
MXL OR MARKET XL WILL BE A DECENTRALIZED MARKETPLACE FOR A NEW WORLD WITH DECENTRALIZED
CURRENCIES AND DECENTRALIZED SERVICES.
CARLOS
AFONSO
CEO

41. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
41
Founded -
Location Lisbon
Segment PAYMENTS
Status ACTIVE
THE MB WAY APP IS THE FIRST INTERBANK SOLUTION THAT ALLOWS YOU TO MAKE INSTANT PURCHASES AND
TRANSFERS USING YOUR SMARTPHONE OR TABLET.
MADALENA
CASCAIS
TOMÉ
CEO / SIBS
Founded 2012
Location Lisbon
Segment PAYMENTS
Status ACTIVE
MEO WALLET IS A FAST, SECURE AND INNOVATIVE WAY TO MAKE AND RECEIVE PAYMENTS ON YOUR PHONE,
ON YOUR COMPUTER AND ON THE TV.
JOÃO
ZÚQUETE DA
SILVA
CCO / ALTICE
PORTUGAL
Founded 2012
Location Lisbon
Segment BLOCKCHAIN
Status -
M-ESKUDO IS A YOUNG COMPANY OPERATING IN THE AREA OF DIGITAL BANKING AND DIGITAL PAYMENTS THAT
AIMS TO CHANGE THE WAY WE BANK AND PAY, CONNECTING USERS, MERCHANTS, FINANCIAL AND PAYMENT
INSTITUTIONS UNDER A TECHNOLOGICAL “ANYWHERE, ANYTIME, REAL -TIME” DEDICATED PLATFORM.
MANUEL
VALADAS
PRETO
FOUNDER / CEO

42. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
42
Founded 2012
Location Lisbon
Segment .
Status ACTIVE
MOLONI IS AN INNOVATIVE COMMERCIAL MANAGEMENT SOFTWARE DESIGNED FOR MICRO, SMALL AND
MEDIUM-SIZED BUSINESSES AS WELL AS FOR PROFESSIONALS. NO INITIAL INVESTMENT, COMPLETE AND
INTUITIVE.
RUBEN
COSTA
CEO
ÁLVARO
SARAIVA
CO-CEO
Founded 2002
Location Lisbon
Segment SECURITY
Status ACTIVE
AT MULTICERT, WE ARE FOCUSED IN ELECTRONIC CERTIFICATION AND ELECTRONIC COMMUNICATIONS
/TRANSACTIONS SECURITY, OFFERING SEVERAL SECURITY SOLUTIONS FOR INDIVIDUALS, COMPANIES AND EVEN
COUNTRIES.
JORGE
ALCOBIA
CEO
Founded 2018
Location -
Segment CROWDFUNDING
Status -
MUTUALL IS A COLLABORATIVE FUNDING PLATFORM IN PORTUGAL DEDICATED TO SUSTAINABLE REAL -ESTATE
CROWDFUNDING PROJECTS WITH REAL MORTGAGE GUARANTEES IN FAVOR OF INVESTORS.
BRUNO
FERREIRA
-

43. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
43
Founded 2017
Location Lisbon
Segment INSURTECH
Status -
WE ARE WORKING ON A ALL-IN-ONE SOLUTION TO ACT AS A CONCIERGE SERVICE TO ELIMINATE ALL PAIN
POINTS ABOUT ONE’S INSURANCE NEEDS. WE WANT OUR CUSTOMERS TO CONSOLIDATE ALL INSURANCE INFO
IN ONE PLACE AND HAVE ONE SINGLE POINT OF CONTACT FOR EVERYTHING REGARDING THEIR INSURANCE.
DUARTE LEITE
DE CASTRO
CO-FOUNDER
Founded 2017
Location Lisbon
Segment LENDING
Status ACTIVE
NETINVOICE IS A DIGITAL MARKETPLACE FOR PLACEMENT WITH QUALIFIED INVESTORS OF CREDITS ORIGINATED
FROM COMMERCIAL TRANSACTIONS OF SMES, SUPPORTED BY INVOICES ISSUED AND CONFIRMED, IN ORDER
TO HELP PORTUGUESE COMPANIES TO ACCESS LIQUIDITY IN A FAST, TRANSPARENT AND EFFICIENT WAY.
JOÃO CASTRO
PINHEIRO
CEO
Founded 2017
Location Lisbon
Segment AI
Status -
ODYSAI FOCUSES ON THE DEVELOPMENT OF HIGHLY INNOVATIVE PRODUCTS THAT TACKLE COMPLEX
CHALLENGES USING ARTIFICIAL INTELLIGENCE.
JOÃO COSTA
FERNANDES
CEO

44. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
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Founded 2013
Location Lisbon
Segment PAYMENTS
Status ACTIVE
MOBILE CHARGING, PAYMENT OF INVOICES AND TAXES, TICKETS FOR BLUETICKET SHOWS AND CASH VOUCHERS
OF EMONEY, AT ALL PAGAQUI POINTS!
JOÃO BARROS
CEO
Founded 2015
Location Lisbon
Segment PAYMENTS
Status ACTIVE
THE COMPANY IS FOCUSED ON INSTALLMENT PAYMENTS THROUGH CREDIT CARDS, AT NO COST WHATSOEVER
FOR END CUSTOMERS. THE DEVELOPED SOFTWARE ALLOWS END CUSTOMERS TO PAY THEIR PURCHASED
PRODUCTS OR SERVICES OVER THE STORE COUNTER FROM 2 TO 12 TIMES WITH THEIR CREDI T CARD, WITHOUT
ANY INTEREST OR CHARGES AND WITHOUT ANY BUREAUCRACIES OR WAITING TIME FOR CREDIT APPROVAL.
MIGUEL
QUINTAS
FOUNDER /
MANAGING
DIRECTOR
Founded 2015
Location Lisbon
Segment AI
Status ACTIVE
WE ARE A FINTECH COMPANY DEDICATED TO PROVIDING ARTIFICIAL INTELLIGENCE SOLUTIONS TO THE
INVESTMENT INDUSTRY. THE FINANCIAL MARKET HAS REACHED A POINT WHERE THE BUILDING BLOCKS FOR AI
ARE BECOMING LARGELY ESTABLISHED.
PAULO
CARDEIRA
GOMES
FOUNDER

45. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
45
Founded 2014
Location Lisbon
Segment WALLET
Status -
PASSWORKS IS A TECHNOLOGY START -UP THAT DEVELOPED A MOBILE WALLET SOLUTION THAT LEVERAGES
DIFFERENT MOBILE WALLETS TECHNOLOGIES, SUCH AS APPLE WALLET OR ANDROID PAY, IN ONE SINGLE
PLATFORM, ALLOWING OUR CUSTOMERS TO CREATE CONTENT FOR THE MOBILE WALLETS AND MANAGE THE
ENTIRE LIFE CYCLE EASILY.
FRANCISCO
BELO
CO-FOUNDER / CEO
LUIS MENDES
CO-FOUNDER / CTO
Founded 2014
Location -
Segment PAYMENTS
Status ACTIVE
PAYSHOP IS A SERVICE THAT ALLOWS THE CHARGING OF MOBILE PHONES AND TRANSPORT TICKETS, PAYMENT
OF VARIOUS BILLS LIKE TELEPHONE, ELECTRICITY, WATER, GAS, TELEVISION, TAXES AND TOLLS, AMONG
OTHERS.
HELENA
RODRIGUES
CEO
Founded 2015
Location Oporto
Segment SECURITY
Status ACTIVE
POLYGON IS A PORTUGUESE TECHNOLOGY COMPANY SPECIALIZED IN THE DEVELOPMENT OF MULTIMODAL
BIOMETRICS INTERNET AND MOBILE PHONE SOLUTIONS.
ALBERTO
ARAÚJO LIMA
CEO

46. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
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Founded 2015
Location Lisbon
Segment CROWDFUNDING
Status -
PORTUGAL CROWD IS A PLATFORM THAT AIMS TO CONNECT PEOPLE WHO WANT TO INVEST, LENDING AND
RECEIVING A CERTAIN PROFITABILITY, TO PEOPLE OR COMPANIES, WHO WANT TO RECEIVE A LOAN AND HAVE
A PROPERTY THAT CAN BE DELIVERED AS A GUARANTEE.
BRUNO
LIBREIRO
CEO
Founded 2016
Location Lisbon
Segment ASSOCIATION
Status ACTIVE
PORTUGAL FINTECH IS A NON-PROFIT ASSOCIATION OF FINANCIAL TECHNOLOGY (FINTECH). THE ASSOCIATION'S
MISSION IS TO CREATE THE BEST CONDITIONS FOR THE DEVELOPMENT OF FINTECH, INSURTECH AND
CYBERSECURITY STARTUPS IN PORTUGAL.
MARGARIDA
MENDES DA
MAIA
EXECUTIVE TEAM
Founded 2011
Location Lisbon
Segment CROWDFUNDING
Status ACTIVE
THE CROWDFUNDING PLATFORM OF REFERENCE IN PORTUGAL!
YOANN
NESME
CO-FOUNDER /
MANAGER
PEDRO
DOMINGOS
CO-FOUNDER /
MANAGER
PAULO SILVA
PEREIRA
CO-FOUNDER

47. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
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Founded 2018
Location Oporto
Segment LENDING
Status ACTIVE
AT PRAZO.PT WE ARE MAKING THE PATH TO DIGITAL FACTORING, CREATING VALUE FOR SUPPLIERS, BUYERS,
PARTNERS AND FUNDERS.
PEDRO
FERNANDES
CEO
Founded 2016
Location Switzerland
Segment SECURITY
Status -
WE DEVELOP FULL-SPECTRUM, USER-FRIENDLY SOLUTIONS WHICH GUARANTEE THE SECURITY AND PRIVACY OF
ALL YOUR DIGITAL COMMUNICATIONS.
HENRIQUE
CORRÊA
SILVA
CEO
LUIS
D'ALMEIDA
CTO
Founded -
Location Lisbon
Segment INCUBATOR
Status ACTIVE
PROTECHTING SUPPORTS INNOVATIVE STARTUP PROJECTS IN THE AREAS OF PROTECTION AND PREVENTION,
SERVICES (IN FINTECH AND INSURTECH) AND HEALTH.
JOSÉ VLLA DE
FREITAS
MARKETING
MANAGER
FIDELIDADE

48. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
48
Founded 2017
Location Singapore
Segment BLOCKCHAIN
Status -
QUANTA IS THE WORLD’S FIRST COMMUNITY -DRIVEN DECENTRALIZED EXCHANGE.
AFONSO
BARBOSA
CO-FOUNDER /
CMO / COO
QUOC LE
CO-FOUNDER /
MANAGING
DIRECTOR
Founded 2017
Location Singapore
Segment COMPARISON
Status ACTIVE
AUTOMOTIVE INSURANCE SIMULATOR. IN LESS THAN 3 MINUTES WITH A SINGLE SIMULATION CHECK AND
COMPARE THE OFFERS OF VARIOUS INSURANCE COMPANIES.
MIGUEL
TEIXEIRA
COFOUNDER / CEO
Founded 2013
Location Lisbon
Segment LENDING
Status ACTIVE
RAIZE IS THE LARGEST PEER-TO-PEER LENDER IN PORTUGAL AND ONE OF THE FASTEST GROWING IN IBERIA. WE
OPERATE OUR OWN PAYMENTS INSTITUTION REGULATED BY THE BANK OF PORTUGAL MAKING US ONE OF THE
MOST SOLIDLY REGULATED PLATFORMS IN EUROPE.
JOSÉ
MARIA
REGO
CO-FOUNDER
AFONSO
FUZETA EÇA
CO-FOUNDER
ANTÓNIO
MARQUES
CO-FOUNDER

49. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
49
Founded 2000
Location Lisbon
Segment SOFTWARE
Status ACTIVE
SAPHETY IS A LEADING COMPANY IN SOLUTIONS FOR ELECTRONIC DOCUMENTS EXCHANGE, ELECTRONIC
INVOICING AND DATA SYNCHRONIZATION AMONGST COMPANIES.
RUI
FONTOURA
CEO
Founded 2009
Location Paris
Segment BIG DATA
Status -
SECURIBOX CLOUD-BASED SOLUTIONS OF DATA AND DOCUMENTS AGGREGATION, ORGANIZATION AND
ANALYSIS ALLOW US TO PROVIDE YOU WITH INFORMATION THAT REALLY MATTERS.
JOÃO
RODRIGUES
CO-FOUNDER / CTO
BRUNO FORNI
CO-FOUNDER
Founded 2018
Location Oporto
Segment CROWDFUNDING
Status ACTIVE
SEEDIMO IS THE FIRST PORTUGUESE PLATFORM FOR REAL ESTATE CROWDFUNDING. THROUGH OUR PLATFORM,
WE OFFER ACCESS TO A COMMUNITY OF REAL ESTATE INVESTORS.
FERNANDO
BELEZAS
CO-FOUNDER / CEO

50. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9
50
Founded 2009
Location London
Segment CROWDFUNDING
Status ACTIVE
SEEDRS IS THE WORLD’S LEADING EQUITY CROWDFUNDING PLATFORM. WE MAKE IT SIMPLE FOR ANYONE -
FROM ANGELS AND VENTURE CAPITALISTS, TO FRIENDS AND FAMILY - TO BECOME INVESTORS IN AMBITIOUS,
GROWTH-FOCUSED EUROPEAN BUSINESSES.
CARLOS
SILVA
CO-FOUNDER
JEFF LYNN
CO-FOUNDER
BEN
ARONSTEN
CMO
Founded 2008
Location Braga
Segment SOFTWARE
Status ACTIVE
OUR MAIN FOCUS IS IN EXPLORING INNOVATIVE IDEAS AND DEVELOPING INFORMATION SOLUTIONS,
INCLUDING MULTIPLATFORM APPLICATIONS, WEB APPLICATIONS, SYSTEMS INTEGRATION AND
INFRASTRUCTURE IMPLEMENTATION. WE HAVE EXPERIENCE IN SUCH DIVERSE INDUSTRIES AS FINANCIAL
SERVICES, RETAIL, REAL ESTATE, CYBERSECURITY AND BIOINFORMATICS.
JORGE
PEREIRA
CEO / FOUNDER
Founded 2012
Location Castelo Branco
Segment -
Status ACTIVE
SHOPKIT IS A SERVICE THAT ALLOWS YOU TO CREATE YOUR ONLINE STORE EASILY, CONVENIENTLY AND
APPROPRIATE TO YOUR TYPE OF BUSINESS. THE PROCESS IS SIMPLE AND FAST. IN 5 MINUTES, YOU'RE READY
TO START SELLING YOUR PRODUCTS ONLINE.
ANDRÉ
CASTRO
FOUNDER

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Founded 1982
Location Lisbon
Segment PAYMENTS
Status ACTIVE
WITH MORE THAN THREE DECADES OF EXISTENCE, SIBS OFFERS TO MORE THAN 300 MILLION USERS THE MOST
MODERN, RELIABLE AND SECURE FINANCIAL SERVICES, NAMELY IN THE PAYMENTS AREA. MORE THAN THREE
BILLION TRANSACTIONS ARE PROCESSED BY SIBS, WHICH RESULTS AS ONE OF THE LARGEST PAYMENT
PROCESSORS IN EUROPE. THE MOST RECOGNIZED BRANDS ARE MULTIBANCO, MB WAY AND MB NET.
MADALENA
CASCAIS
TOMÉ
CEO / SIBS
MARIA
ANTÓNIA
SALDANHA
BRAND AND
COMUNICATIONS
DIRECTOR
Founded -
Location Lisbon
Segment INCUBATOR
Status ACTIVE
SIBS INCUBATOR. WITH MORE THAN THREE DECADES OF EXISTENCE, SIBS OFFERS TO MORE THAN 300 MILLION
USERS THE MOST MODERN, RELIABLE AND SECURE FINANCIAL SERVICES, NAMELY IN THE PAYMENTS AREA.
MARIA
ANTÓNIA
SALDANHA
DIRECTOR
Founded 2016
Location Lisbon
Segment DISCOUNT
Status -
SPINDOTS IS THE 1ST SOCIAL NETWORK THAT ALLOWS THE EXCHANGE AND THE OFFER OF DISCOUNTS AMONG
CONSUMERS.
JOSÉ PEDRO
GONÇALVES
CO-FOUNDER /
CEO
ANTÓNIO
MENDES
CO-FOUNDER /
COO
MANUEL
NAPOLEÃO
LEAL
CO-FOUNDER /
SSM

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Founded 2014
Location London
Segment AI / REGTECH
Status ACTIVE
SUADE PROVIDES FINANCIAL INSTITUTIONS WITH A DATA -DRIVEN SOFTWARE PLATFORM TO DELIVER THEIR
REGULATORY REQUIREMENTS. THE COMPANY WORKS CLOSELY WITH FINANCIAL INSTITUTIONS IN DEVELOPING
AN INDUSTRY-LED SOLUTION.
DIANA
PAREDES
CO-FOUNDER / CEO
MURAT ABUR
CO-FOUNDER / CTO
Founded 2014
Location Oporto
Segment PAYMENTS
Status -
ACCEPT WHICHEVER PAYMENT METHOD YOUR CUSTOMERS PREFER WITHOUT DEALING WITH COUNTLESS
PAYMENT PROVIDERS.
ANDRÉ
TAVARES
CO-FOUNDER
PEDRO
CAMPOS
CTO
RUCA SOUSA
MARQUES
EXECUTIVE
DIRECTOR
Founded 2012
Location Cambridge
Segment INVESTMENT
Status ACTIVE
PIONEERED THE INVESTOR-LED MODEL WHICH IS BEHIND THE VISION FOR SYNDICATEROOM AS THE MOST
INNOVATIVE ONLINE EQUITY INVESTMENT PLATFORM. SYNDICATEROOM HELPS COMPANIES RAISING FINANCE
FROM IDEA STAGE ALL THE WAY UP TO IPO IN THE LONDON STOCK EXCHANGE.
GONÇALO DE
VASCONCELOS
CO-FOUNDER / CEO
TOM
BRITTON
CO-FOUNDER
GRAHAM
SCHWIKKARD
COO

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Founded 2018
Location Lisbon
Segment BLOCKCHAIN
Status -
WE'RE CREATING THE FIRST BLOCKCHAIN OPEN INNOVATION PLATFORM.
MÁRIO
RIBEIRO
ALVES
FOUNDER / CEO
Founded 2016
Location Switzerland
Segment PAYMENTS
Status ACTIVE
UTRUST IS A GROUND-BREAKING PAYMENT PLATFORM THAT EMPOWERS BUYERS TO PAY WITH THEIR FAVORITE
CRYPTOCURRENCIES WHILE PROVIDING THE BEST CONSUMER PROTECTION IN THE MARKET.
NUNO
CORREIA
CO-FOUNDER /
CEO
ARTUR
GOULÃO
FERREIRA
CO-FOUNDER / CTO
FILIPE
CASTRO
CO-FOUNDER / CIO
Founded -
Location London
Segment PAYMENTS
Status -
NEW FINTECH STARTUP FOCUSED ON DEVELOPING INNOVATIVE SOLUTIONS FOR PAYMENTS MARKET.
SIMPLIFYING THE EXPERIENCE FOR CONSUMERS.
LUIS
FERREIRA
CEO

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Founded 1991
Location Lisbon
Segment PAYMENTS
Status ACTIVE
VIA VERDE WAS BORN IN 1991 AS AN INNOVATIVE TECHNOLOGICAL SOLUTION THAT ALLOWED DRIVERS TO PAY
TOLL CHARGES WITHOUT STOPPING THEIR VEHICLES. SINCE THEN WE HAVE BEEN ENRICHING OUR RANGE OF
SERVICES WITH SEVERAL APPLICATIONS FOR THE VIA VERDE IDENTIFIER: PAYMENTS IN GALP FUEL STATIONS,
PARKING LOTS AND MCDRIVE ESTABLISHMENTS, AS WELL AS ACCESS CONTROL FOR HISTORICAL SITES.
PEDRO
MOURISCA
CEO
Founded 2018
Location Lisbon
Segment BLOCKCHAIN
Status ACTIVE
WALLID IS THE FIRST BLOCKCHAIN PROTOCOL FOR CERTIFIED ID’S AS IT ALLOWS USERS TO STORE
THEIRGOVERNMENTALLY ISSUED DOCUMENTS AND OTHER ID DOCUMENTS WITH DIGITAL CERTIFICATES IN
THEIRETHEREUM WALLETS SO THEY CAN SIGN INSTANT TRANSACTIONS.
FILIPE VEIGA
Founder/CEO
Founded 2014-2015
Location Lisbon
Segment PAYMENTS
Status INACTIVE
WAZZA IS AN ONLINE PAYMENTS ANALYTICS PLATFORM. OUR MISSION IS TO MAKE PAYMENTS DATA SIMPLE,
USEFUL AND UNDERSTANDABLE.
DUARTE
BARBOSA
FOUNDER

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Founded 2015
Location Lisbon
Segment PAYMENTS
Status ACTIVE
YUBUY® IS AN INNOVATIVE INTERACTIVE TV COMMERCE SOLUTION THAT ALLOWS AN EASY, QUICK AND SECURE
PURCHASE OF SERVICES AND GOODS, ALL OF WHICH ARE SEAMLESSLY INTEGRATED WITH THE TRADITIONAL
LINEAR TV USER EXPERIENCE.
MIGUEL
CARVALHO
FOUNDER / CEO
Founded 2009
Location Lisbon
Segment PAYMENTS
Status -
WE CREATE HARDWARE AND SOFTWARE SOLUTIONS THAT OPTIMIZE AND MAXIMIZE CASH MANAGEMENT AND
PAYMENTS PROCESSES.
PEDRO
MOURATO
GORDO
CEO
Founded 2012-2017
Location Oporto
Segment INVESTMENT
Status -
ZERCATTO ALLOWS STOCK MARKET INVESTORS FROM ALL OVER THE WORLD TO TAKE A PEEK AT WHAT THE
SUCCESSFUL EXPERTS ARE DOING ON THEIR OWN PORTFOLIOS.
GASPAR
D´OREY
CO-FOUNDER

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The future cannot be predicted,
but futures can be invented.
Dennis Gabor, “Inventing the Future”, 1963
Digitalization is no longer a channel; it’s a new paradigm
for leading financial institutions.
The wide adoption of FinTech will continue to disrupt the industry, making it more
customer-centered. Data and artificial intelligence are the pillars of innovation. Analytics will
aid in creating more personalized services, and virtual assistants and chatbots will provide
better efficiency and more seamless user experiences. The use cases of voice user interfaces
(VUIs) in financial services are currently mostly limited to checking balances and paying bills.
The next step is more personalized solutions, financial coaching, and seamless guidance
through different interfaces.
Cashless payments are becoming a new norm for young consumers, and banks are
working toward satisfying the need for mobile money transfers, online banking, and end-to-
end financial services. Over 70% of payments are fulfilled via mobile devices. Sixty-seven
percent of millennials don’t have a credit card. These days, smartphones are often the only way
people shop, entertain, do business, or do anything digital. Contactless cards are seen as the
new normal.
The young generation is excited about the possibility of banking through non-traditional
financial organizations. Amazon? Facebook? Looks great! Traditional bank? Leave it to my
grandma. GAFA (Google, Apple, Facebook, and Amazon) have millions of customers, the credit
card data of those customers, and can offer highly tailored products.
The Partnership between financial institutions and
FinTech companies will become essential in the fully
digital landscape of 2019.

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THANK YOU
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