Top 21 Fintech Companies in France

The fintech industry in France thrives on innovation and technology, transforming banking and financial services. Companies here focus on delivering digital banking, payment solutions, lending platforms, and financial management tools. As digital transformation reshapes consumer behavior, the industry is witnessing an increase in demand for user-friendly interfaces and instant access to financial services. The emergence of trends like open banking and embedded finance highlights a shift towards interconnected financial systems. With the rise of artificial intelligence and blockchain technology, the potential for growth and enriching customer experiences is immense across the fintech sector in France.

The companies listed vary in size from small startups to larger firms, with most headquartered in Paris and surrounding regions. Founded between 1982 and 2023, these companies specialize in areas like digital banking, payment processing, and financing solutions. Collectively, they employ thousands and cover various aspects of financial technology, aiming to enhance customer convenience and service delivery. They are also well-positioned to shape the future of finance in both local and international markets.

Continue reading to discover top fintech companies in France.

Top 21 Fintech Companies Companies in France

1. Sopra Banking Software

• Website: soprabanking.com
• Ownership type: Corporate
• Headquarters: Paris, Île-De-France, France
• Latest funding: $359.9M, June 2024
• Founded year: 2012
• Headcount: 1001-5000
• LinkedIn: sopra-banking-software

Sopra Banking Software (SBS) is a financial technology company based in Paris, France, founded in 2012. The company specializes in delivering banking and financing solutions to financial institutions worldwide. With a workforce of around 3,870 employees, SBS operates in over 80 countries and serves more than 1,500 clients, including major banks and lenders. Their product suite includes core banking systems, digital banking solutions, and comprehensive financing platforms, all designed to help financial institutions improve their operations and enhance customer engagement. SBS has a strong emphasis on innovation, leveraging advanced technologies such as open banking and API-first solutions to meet the evolving needs of the financial sector. The company has also recently secured significant funding, amounting to approximately 360 million euros, which underscores its growth potential and strategic importance in the fintech industry.

2. Oney

• Website: oney.com
• Ownership type: Corporate
• Headquarters: Croix, Hauts-De-France, France
• Employee distribution: France 68%, Portugal 16%, Spain 9%, Other 8%
• Latest funding: December 2020
• Founded year: 1983
• Headcount: 1001-5000
• LinkedIn: oney

Oney, founded in 1983 and based in Croix, Hauts-De-France, France, is a financial services company that specializes in innovative payment solutions and financing options. With a workforce of over 2,000 employees, Oney serves both consumers and businesses, offering a range of services including personal loans, payment processing, and insurance products. The company operates through partnerships with thousands of merchants, enhancing the shopping experience for millions of customers across Europe. Oney has established itself as a key player in the payment solutions market, particularly known for its pioneering role in the buy-now-pay-later sector, which has gained significant traction in recent years. The company is committed to providing a seamless and memorable customer experience, leveraging its expertise in payment technology and consumer finance. Oney's operations span multiple countries, including France, Portugal, and Spain, reflecting its ambition to expand its footprint in the European market.

3. FairMoney

• Website: fairmoney.io
• Ownership type: Venture Capital
• Headquarters: Paris, Île-De-France, France
• Employee distribution: Nigeria 89%, India 4%, France 3%, Other 4%
• Latest funding: Series B, $42.0M, July 2021
• Founded year: 2017
• Headcount: 501-1000
• LinkedIn: fairmoney

FairMoney Microfinance Bank, founded in 2017 and based in Paris, France, operates primarily in Nigeria, where it serves a growing customer base. The company offers a range of financial services, including personal and business loans, savings accounts, and payment solutions. FairMoney's digital platform allows users to access loans quickly, with disbursements processed in as little as five minutes. The bank has gained significant traction, boasting over 10 million app downloads and facilitating more than 10,000 loan disbursements daily. FairMoney's innovative products, such as FairSave and FairLock, provide users with attractive savings options, further enhancing their financial management capabilities. The company has successfully raised $42 million in its Series B funding round, reflecting strong investor interest and positioning for future growth.

4. Cassiopae is now a Sopra Steria company

• Website: cassiopae.com
• Ownership type: Corporate
• Headquarters: Paris, Île-De-France, France
• Employee distribution: France 39%, Tunisia 23%, United States (USA) 15%, Other 23%
• Latest funding: July 2016
• Founded year: 1987
• Headcount: 501-1000
• LinkedIn: cassiopae

Cassiopae, now operating as Sopra Banking Software, is a financial technology firm based in Paris, France. Founded in 1987, the company specializes in providing comprehensive banking and financing solutions tailored for financial institutions worldwide. With a strong emphasis on digital transformation, Cassiopae offers platforms that support core banking, digital banking, and various financing solutions. They serve a substantial client base of over 1,500 institutions across 80 countries, demonstrating their global reach and impact. Their solutions are designed to enhance customer engagement, streamline operations, and ensure compliance with regulatory standards. Cassiopae's commitment to innovation is evident in their focus on open banking and customer data aggregation, which allows financial institutions to better understand and serve their clients. The company has not reported any recent funding, indicating a stable operational model within the fintech space.

5. Cofidis Group

• Website: cofidis-group.com
• Ownership type: Private
• Headquarters: Villeneuve-D'Ascq, Hauts-De-France, France
• Employee distribution: France 76%, Portugal 12%, Spain 3%, Other 8%
• Founded year: 1982
• Headcount: 1001-5000
• LinkedIn: groupecofidisparticipations

Cofidis Group, founded in 1982 and based in Villeneuve-D'Ascq, France, is a private financial services company that specializes in providing credit solutions, insurance, and digital banking services. With a workforce of over 1,400 employees, Cofidis operates in multiple European countries, including France, Portugal, Spain, Italy, and Belgium. The company primarily serves consumers seeking personal credit and businesses in need of payment solutions. Cofidis is known for its innovative approach to financial services, emphasizing customer experience and responsible lending practices. Their offerings include a range of credit products, insurance services, and a fully digital banking platform. Cofidis also operates subsidiaries such as Monabanq, a recognized online bank, and Creatis, which specializes in credit consolidation. The company is committed to enhancing financial accessibility and promoting responsible credit use, making it a relevant player in the fintech industry.

6. Monabanq

• Website: monabanq.com
• Ownership type: Private
• Headquarters: Villeneuve-D'Ascq, Hauts-De-France, France
• Employee distribution: France 100%
• Founded year: 2006
• Headcount: 201-500
• LinkedIn: monabanq.

Monabanq, based in Villeneuve-D'Ascq, Hauts-De-France, France, is a private banking and financial services provider that has been operational since 2006. The company offers a comprehensive range of products tailored to individual consumers, including current accounts, loans, insurance, and various savings options. Monabanq is particularly known for its user-friendly online banking services, which allow customers to manage their finances conveniently. The company prides itself on its customer service, having been recognized as 'Service Client de l’Année' for multiple years. Monabanq operates under the umbrella of Crédit Mutuel Alliance Fédérale, which enhances its credibility and operational capacity in the competitive fintech landscape. The firm has not reported any recent funding, indicating a stable operational model without reliance on external investment.

7. Noelse

• Website: noelse.com
• Ownership type: Private
• Headquarters: Angers, Pays De La Loire, France
• Employee distribution: France 83%, Luxembourg 15%, Other 2%
• Founded year: 2020
• Headcount: 51-200
• LinkedIn: noelse

Noelse is a private online banking service based in Angers, France, established in 2020. The company aims to simplify financial management for individuals and businesses through its innovative offerings. Noelse provides a variety of services, including digital and physical payment cards, seamless money transfers, and comprehensive financial management tools, all integrated into a user-friendly application. The platform emphasizes transparency, ensuring customers are not burdened with hidden fees. With features like real-time expense tracking and the ability to create sub-accounts for specific projects, Noelse caters to the needs of modern consumers looking for efficient financial solutions. The company has successfully attracted over 25,000 clients, reflecting its growing relevance in the fintech space.

8. Groupe Cofidis Participations

• Website: cofidis.com
• Ownership type: Private
• Headquarters: Villeneuve-D'Ascq, Hauts-De-France, France
• Founded year: 1982
• Headcount: 1001-5000
• LinkedIn: groupecofidisparticipations

Groupe Cofidis Participations, founded in 1982 and based in Villeneuve-D'Ascq, France, is a financial services company that specializes in providing a range of credit solutions, insurance products, digital banking services, and payment solutions. The company caters to both individual consumers seeking financing options and businesses looking for effective payment solutions to boost sales. Cofidis has established a significant presence across various European markets, including Belgium, Spain, Hungary, Italy, Poland, Portugal, the Czech Republic, and Slovakia. Their subsidiaries, such as Monabanq, a fully digital bank, and Creatis, which focuses on credit consolidation, showcase their innovative approach to financial services. Cofidis emphasizes responsible lending and customer support, aiming to assist clients in managing their financial needs effectively. With a workforce of over 992 employees, the company is committed to enhancing customer experiences through technology and personalized service.

9. Bling

• Website: bling.eu
• Ownership type: Venture Capital
• Headquarters: Paris, Île-De-France, France
• Employee distribution: Spain 60%, France 34%, United Kingdom (UK) 5%
• Latest funding: Series A, $2.0M, March 2021
• Founded year: 2019
• Headcount: 11-50
• LinkedIn: sherwoodcash

Bling, operating under the commercial name of Sherwood, is a financial services company based in Paris, France. Founded in 2019, Bling aims to alleviate financial stress for consumers by offering innovative banking solutions. Their product suite includes cash advances and a Visa debit card, designed to be transparent and free of hidden fees. The company targets individuals looking to manage their finances more effectively, making financial services more accessible. Bling has a significant presence in Spain and France, with a workforce of around 58 employees. In March 2021, the company secured approximately €2 million in Series A funding, indicating investor confidence in its business model and growth potential. Bling is registered as an electronic money institution in France, further solidifying its position in the fintech industry.

10. SBE Banque Populaire

• Website: netsbe.fr
• Ownership type: Private
• Headquarters: Paris, Île-De-France, France
• Employee distribution: France 100%
• Founded year: 1988
• Headcount: 51-200
• LinkedIn: sbe-banque-populaire

SBE Banque Populaire, officially known as SBE Société de Banque et d'Expansion, is a private banking institution based in Paris, Île-De-France, France. Founded in 1988, the company specializes in providing a variety of financial services tailored to individual consumers. These services include personal loans for home purchases, vehicle financing, and various insurance products. SBE Banque Populaire has embraced digital banking solutions, allowing customers to manage their finances conveniently through an online platform. This focus on accessibility and customer service positions SBE as a relevant player in the fintech sector, catering to the evolving needs of consumers in a digital age. The company operates exclusively within France, ensuring a localized approach to its offerings.

11. Budget Insight

• Website: budget-insight.com
• Ownership type: Private
• Headquarters: Paris, Île-De-France, France
• Founded year: 2012
• Headcount: 51-200
• LinkedIn: budget-insight

Budget Insight, now operating under the name Powens, is a financial technology firm based in Paris, France. Established in 2012, the company specializes in Open Finance and Embedded Banking solutions. It offers a comprehensive suite of services that includes data aggregation, payment processing, and identity verification. Powens serves over 280 financial institutions, helping them to enhance customer experiences and streamline their operations. The company connects to more than 1,800 financial institutions across 12 countries, facilitating over 1.4 billion euros in transactions annually. With a focus on innovation, Powens aims to empower businesses to create exceptional financial services experiences through its robust API platform. The company has built a reputation for reliability, boasting a high data refresh success rate and API availability, which are critical for maintaining trust in financial transactions.

12. Xpollens

• Website: xpollens.com
• Ownership type: Private
• Headquarters: Paris, Île-De-France, France
• Employee distribution: France 98%, Portugal 2%
• Founded year: 2011
• Headcount: 51-200
• LinkedIn: s-money

Xpollens, founded in 2011 and based in Paris, is a private company specializing in Banking-as-a-Service (BaaS). With a workforce of around 120 employees, Xpollens provides a modular platform that allows businesses to integrate payment solutions and banking services seamlessly into their operations. Their offerings include card issuing, account management, and various payment methods, all designed to enhance customer experiences and streamline financial processes. Xpollens serves a range of industries, including fintech, retail, and insurance, helping clients automate and optimize their financial flows. The company is recognized for its commitment to compliance and security, operating as an ACPR-approved payment institution. This status ensures that they adhere to stringent banking regulations, which is vital for maintaining trust in the financial services they provide.

13. Capital Banking Solutions

• Website: capital-banking.com
• Ownership type: Private
• Headquarters: Paris, Île-De-France, France
• Employee distribution: Lebanon 49%, France 21%, Monaco 18%, Other 12%
• Latest funding: $5.0M, June 2018
• Founded year: 1997
• Headcount: 201-500
• LinkedIn: capital-banking-solutions

Capital Banking Solutions, founded in 1997 and based in Paris, France, is a private banking solutions provider with a workforce of approximately 311 employees. The company specializes in offering a range of services that include core banking software, digital banking solutions, and compliance tools. Their clientele spans retail banks, corporate banks, and fintechs, highlighting their adaptability to various segments within the financial services industry. Capital Banking Solutions operates globally, with a significant presence in regions such as Lebanon, France, and Monaco. They have invested in research and development to create innovative products that enhance operational efficiency and customer satisfaction. The company has also received funding amounting to $5 million in June 2018, which supports their ongoing efforts to expand and improve their offerings.

14. Monext

• Website: monext.fr
• Ownership type: Private Equity
• Headquarters: Aix-En-Provence, Provence-Alpes-Côte D'Azur, France
• Employee distribution: France 100%
• Latest funding: October 2008
• Founded year: 2008
• Headcount: 201-500
• LinkedIn: monext

Monext, founded in 2008 and based in Aix-En-Provence, France, is a payment solutions provider that specializes in innovative payment services tailored for retailers, banks, and fintech companies. The company aims to simplify payment processes and enhance customer experiences through its offerings, which include e-commerce and in-store payment solutions. Monext has made significant strides in the payment industry, processing over 6 billion transactions in 2022 alone. They have also obtained their payment institution license from the ACPR, allowing them to operate as a payment establishment. With a workforce of approximately 435 employees, Monext is dedicated to providing intelligent and secure payment solutions that meet the evolving needs of their clients. Their focus on omnichannel payment strategies and commitment to technological innovation underscores their relevance in the fintech sector.

15. smartTrade Technologies

• Website: smart-trade.net
• Ownership type: Private Equity
• Headquarters: Aix-En-Provence, Provence-Alpes-Côte D'Azur, France
• Employee distribution: France 67%, Canada 15%, Japan 8%, Other 10%
• Latest funding: April 2025
• Founded year: 1999
• Headcount: 201-500
• LinkedIn: smart-trade-technologies

smartTrade Technologies, founded in 1999 and headquartered in Aix-en-Provence, France, is a financial technology firm that specializes in electronic trading and payments platforms. The company provides a comprehensive suite of solutions, including LiquidityFX and smartFI, designed to enhance operational efficiency and profitability for banks, brokers, and financial institutions. With a global footprint, smartTrade operates in key financial hubs such as London, New York, and Tokyo, ensuring they are well-positioned to serve a wide range of clients. Their platforms support various asset classes, including foreign exchange, fixed income, and derivatives, and are built on a secure, scalable SaaS architecture. smartTrade's commitment to innovation is evident in their focus on advanced technology, risk management, and analytics, which help clients navigate the complexities of modern trading environments. The company has not reported any recent funding, indicating a stable operational model that relies on its established market presence and client relationships.

16. Baobab Group

• Website: baobab.com
• Ownership type: Private
• Headquarters: Paris, Île-De-France, France
• Employee distribution: Senegal 39%, Nigeria 27%, France 10%, Other 24%
• Founded year: 2005
• Headcount: 1001-5000
• LinkedIn: groupe-baobab

Baobab Group, founded in 2005 and headquartered in Paris, is a financial services company dedicated to providing loans and digital solutions to individuals and small businesses. With a workforce of over 3,000 employees, the company operates in several African countries, including Senegal, Nigeria, and Mali, among others. Baobab aims to empower its customers by tackling financial exclusion and enhancing opportunities for economic growth. The company has evolved from its origins as Microcred, focusing on microfinance, to a broader range of financial services under the Baobab brand. Their innovative offerings include instant loans through a mobile application, reflecting their commitment to leveraging technology for financial inclusion. Baobab also established Baobab+, which provides non-financial solutions, such as access to energy and digital technologies, further supporting economic development in rural areas. The company’s efforts to create a virtuous cycle of shared prosperity in the communities it serves highlight its social impact and dedication to sustainable development.

17. Qonto

• Website: qonto.com
• Ownership type: Venture Capital
• Headquarters: Paris, Île-De-France, France
• Employee distribution: France 58%, Spain 17%, Germany 10%, Other 15%
• Latest funding: $200,000, August 2022
• Founded year: 2016
• Headcount: 1001-5000
• LinkedIn: qonto

Qonto is a financial technology company based in Paris, France, founded in 2016. It specializes in providing online banking solutions tailored for freelancers and small to medium-sized enterprises (SMEs). The company offers a comprehensive suite of services, including business accounts, physical and virtual payment cards, and various financial management tools designed to streamline banking and invoicing processes. Qonto operates across multiple European markets, focusing on enhancing the financial administration experience for its clients. With a workforce of over 2,000 employees, the company has shown significant growth and has received funding to support its expansion. Qonto is recognized as a licensed payment institution, ensuring that customer funds are safeguarded in compliance with regulatory standards. Its user-friendly platform and commitment to customer service have garnered positive feedback from a growing client base of over 500,000 businesses.

18. Lusis

• Website: lusis.fr
• Ownership type: Private
• Headquarters: Paris, Île-De-France, France
• Employee distribution: France 96%, Luxembourg 4%
• Founded year: 1999
• Headcount: 51-200
• LinkedIn: lusis

Lusis, founded in 1999 and based in Paris, is a private technology company that specializes in payment systems, artificial intelligence, and blockchain solutions. With a workforce of approximately 122 employees, the company serves banks, payment service providers, and large retailers, offering innovative technology designed to enhance operational efficiency and security. Lusis operates in multiple countries, including France, Luxembourg, the United States, and the United Kingdom. Their product offerings include cloud computing services and digital integration solutions, which are vital for modern financial operations. The company has developed a strong reputation for delivering high availability and performance in transaction solutions, particularly in the areas of payment processing and financial services. Their commitment to research and development in artificial intelligence and blockchain technology further underscores their relevance in the fintech sector.

19. Powens Group

• Website: powens.com
• Ownership type: Private Equity
• Headquarters: Paris, Île-De-France, France
• Employee distribution: France 94%, Spain 6%
• Latest funding: $34.0M, April 2022
• Founded year: 2012
• Headcount: 51-200
• LinkedIn: budget-insight

Powens Group, founded in 2012 and based in Paris, specializes in financial technology with a focus on Open Finance and Embedded Banking solutions. The company offers a comprehensive suite of services, including data aggregation, payment processing, and identity verification, catering to over 280 financial institutions across Europe. Powens operates on a Software as a Service (SaaS) model, which enables clients to enhance their financial operations and improve customer experiences. With a workforce of around 80 employees, the company has established a strong presence in France and Spain. In April 2022, Powens secured funding of over 34 million euros, underscoring its growth trajectory and the market's confidence in its innovative solutions. The company connects to more than 1,800 financial institutions, facilitating transactions exceeding 1.4 billion euros annually. Powens is committed to delivering high-quality services, evidenced by its impressive API availability and data refresh success rates, making it a significant player in the fintech sector.

20. ubble

• Website: ubble.ai
• Ownership type: Corporate
• Headquarters: Paris, Île-De-France, France
• Employee distribution: France 100%
• Latest funding: May 2022
• Founded year: 2018
• Headcount: 51-200
• LinkedIn: ubble-ai

Ubble is a Paris-based company founded in 2018, specializing in identity verification solutions. Their primary offering is an AI-powered video verification service that enables businesses to authenticate the identities of their customers efficiently. This service is particularly relevant in the fintech sector, where companies must comply with stringent KYC regulations to prevent fraud and ensure secure transactions. Ubble's technology allows for a seamless onboarding experience, reducing friction for users while maintaining high security standards. The company operates entirely within France and has not reported any funding to date, indicating a self-sustaining business model focused on innovation in identity verification.

21. PaySika

• Website: paysika.co
• Ownership type: Venture Capital
• Headquarters: Toulouse, Occitanie, France
• Employee distribution: Cameroon 87%, France 13%
• Latest funding: Pre-seed, April 2023
• Founded year: 2020
• Headcount: 11-50
• LinkedIn: paysika

PaySika, founded in 2020 and based in Toulouse, France, is a digital banking company dedicated to serving individuals in Francophone Africa. With a workforce primarily located in Cameroon, the company offers free international bank accounts and cards, aiming to simplify financial management for its users. PaySika's services include real-time money management, payment processing, and transaction notifications, all accessible through a user-friendly mobile application. The company emphasizes inclusivity, believing that everyone should have access to financial services. Users can create accounts and obtain virtual and physical cards quickly, with no maintenance or monthly fees. PaySika also facilitates receiving payments from various online platforms, enhancing its utility for users engaged in digital commerce. As of April 2023, the company has not reported any funding, indicating it may still be in the early stages of its growth trajectory.

Fintech Companies Insights: Key Companies in France

Company	Headquarter	Size	Founded	Ownership
Sopra Banking Software	Paris, Île-De-France, France	1001-5000	2012	Corporate
Oney	Croix, Hauts-De-France, France	1001-5000	1983	Corporate
FairMoney	Paris, Île-De-France, France	501-1000	2017	Venture Capital
Cassiopae is now a Sopra Steria company	Paris, Île-De-France, France	501-1000	1987	Corporate
Cofidis Group	Villeneuve-D'Ascq, Hauts-De-France, France	1001-5000	1982	Private
Monabanq	Villeneuve-D'Ascq, Hauts-De-France, France	201-500	2006	Private
Noelse	Angers, Pays De La Loire, France	51-200	2020	Private
Groupe Cofidis Participations	Villeneuve-D'Ascq, Hauts-De-France, France	1001-5000	1982	Private
Bling	Paris, Île-De-France, France	11-50	2019	Venture Capital
SBE Banque Populaire	Paris, Île-De-France, France	51-200	1988	Private
Budget Insight	Paris, Île-De-France, France	51-200	2012	Private
Xpollens	Paris, Île-De-France, France	51-200	2011	Private
Capital Banking Solutions	Paris, Île-De-France, France	201-500	1997	Private
Monext	Aix-En-Provence, Provence-Alpes-Côte D'Azur, France	201-500	2008	Private Equity
smartTrade Technologies	Aix-En-Provence, Provence-Alpes-Côte D'Azur, France	201-500	1999	Private Equity
Baobab Group	Paris, Île-De-France, France	1001-5000	2005	Private
Qonto	Paris, Île-De-France, France	1001-5000	2016	Venture Capital
Lusis	Paris, Île-De-France, France	51-200	1999	Private
Powens Group	Paris, Île-De-France, France	51-200	2012	Private Equity
ubble	Paris, Île-De-France, France	51-200	2018	Corporate
PaySika	Toulouse, Occitanie, France	11-50	2020	Venture Capital

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