About us

New products are created in the daily life

Any idea is worth pursuing. At fino we use creative minds who constantly develop new products. In doing so act according to our simple credo:

“What we can’t build in three monts – we won’t start”

What is fino

fino’s roots lie in the first digital, fully automatic account switching service in the industry. Since 2015 we have grown steadily and expanded our expertise. Today, fino combines  data Science, financial knowledge and document recognition. This leads to digital products that think along and deduce individual recommendations. These recommendations can then be implemented directly by the user.

What is our business model

Partnership – Trust – FairShare!
We provide our partners with products that enhance their core business and sustainably improve customer loyalty and are only paid if our partners are successful.

How fino makes money

Not when the service is started, but only when the process is completed and our partners are successful. Let’s take the account change service as an example: If the process is cancelled before completion, it will not be charged.

Who stands behind fino / Venture Capital

No investors, no data leeches, no venture capital. fino has gone completely bootstrapped (self-financed) to the market and was already profitable from the third month.

What are fino atoms?

Our atoms are independently operating units that manage and develop their own projects with profit / loss responsibility. They should not be mixed up with departments.

Create? Run? Digital?

We have grown rapidly and have found that despite the atomic structure we have slowed down. The logical step was to apply the atomic structure to the corporate level. The origin, fino digital, is now responsible as a company for the switching services and the data atom. fino create is our think tank, where new ideas are developed and subsequently implemented. fino run is the central contact to the outside world and includes our shared services such as business, design, marketing, legal and sales.

Nevertheless, we are all one: fino!

Was sind unsere Kompetenzen

We look at bank accounts in their entirety and examine how they work and what is possible with them. We are also continuously expanding our skills in machine learning, document aggregation (DocHub, OCR) and linguistics.

PSD2 and the BaFin application

We were one of the first FinTechs in Germany to submit an application to the BaFin for approval as an account information service provider (KID) and payment trigger service provider (ZAD). Currently, the application is still under review, as is the case with many other applications. Due to the fact that we submitted the application so early, we are covered by the so-called “grandfathering”, i.e. we can continue the current business.

Data protection is one of our most important values

Data protection in general and the implementation of the GDPR was an early topic at fino. All data is processed via ISO-27001 certified data centers in Germany. We have no direct access to personal data.

What is fino

fino’s roots lie in the first digital, fully automatic account switching service in the industry. Since 2015 we have grown steadily and expanded our expertise. Today, fino combines  data Science, financial knowledge and document recognition. This leads to digital products that think along and deduce individual recommendations. These recommendations can then be implemented directly by the user.

What is our business model

Partnership – Trust – FairShare!
We provide our partners with products that enhance their core business and sustainably improve customer loyalty and are only paid if our partners are successful.

How fino makes money

Not when the service is started, but only when the process is completed and our partners are successful. Let’s take the account change service as an example: If the process is cancelled before completion, it will not be charged.

Who stands behind fino / Venture Capital

No investors, no data leeches, no venture capital. fino has gone completely bootstrapped (self-financed) to the market and was already profitable from the third month.

What are fino atoms?

Our atoms are independently operating units that manage and develop their own projects with profit / loss responsibility. They should not be mixed up with departments.

Create? Run? Digital?

We have grown rapidly and have found that despite the atomic structure we have slowed down. The logical step was to apply the atomic structure to the corporate level. The origin, fino digital, is now responsible as a company for the switching services and the data atom. fino create is our think tank, where new ideas are developed and subsequently implemented. fino run is the central contact to the outside world and includes our shared services such as business, design, marketing, legal and sales.

Nevertheless, we are all one: fino!

Was sind unsere Kompetenzen

We look at bank accounts in their entirety and examine how they work and what is possible with them. We are also continuously expanding our skills in machine learning, document aggregation (DocHub, OCR) and linguistics.

PSD2 and the BaFin application

We were one of the first FinTechs in Germany to submit an application to the BaFin for approval as an account information service provider (KID) and payment trigger service provider (ZAD). Currently, the application is still under review, as is the case with many other applications. Due to the fact that we submitted the application so early, we are covered by the so-called “grandfathering”, i.e. we can continue the current business.

Data protection is one of our most important values

Data protection in general and the implementation of the GDPR was an early topic at fino. All data is processed via ISO-27001 certified data centers in Germany. We have no direct access to personal data.