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Meet the MoMo2024 finalists: These amazing teams from 12 countries will compete for the grand prize

The applications were so numerous and convincing, we increased the number of finalists from 10 to 15

Meet the MoMo2024 finalists: These amazing teams from 12 countries will compete for the grand prize

In a world full of startup competitions and tech achievements, one event stands out: the Money Motion Startup Pitch Competition. After tough deliberations, the Money Motion startup committee has chosen 15 finalists from 12 countries. These startups will compete for top honors, including a cash prize pool of 10,000 EUR for the top three places. But that’s not all – the winners will also receive a fast track to Microsoft for Startups Founders Hub program, offering up to $150,000 in free Azure credits, technical support, mentorship, and co-selling opportunities. On top of that, there’s the prestigious Talk the Walk: Infobip Award, offering $20,000, $15,000, and $10,000 in Infobip’s products and services.

The competition, set for Thursday, the first day of the conference, will feature all contenders split into two groups, pitching in afternoon slots. Winners will be revealed before Friday’s closing ceremony, the conference’s second day. With six members of the judging panel overseeing the showdown, it promises to be an exhilarating event where innovation takes center stage.

Let’s meet the finalists.

1. Devengo, Spain

Devengo, a fintech disruptor from Spain is revolutionizing payment solutions. Their real-time payments API cuts out middlemen, ensuring instant, secure, and cost-effective transactions for businesses. With a focus on B2B payments, Devengo offers pay-outs, pay-ins, and account management with unparalleled speed and efficiency. Designed for developers, their platform prioritizes easy integration and operational reliability, certified by ISO 27001 standards for security. Devengo is reshaping the fintech landscape with its innovative approach to modern transactions.

2. Spendbase, Ukraine

Spendbase, an innovative platform hailing from Ukraine, is empowering companies to optimize their spending on SaaS, cloud services, and corporate cards with the power of artificial intelligence. By offering comprehensive insights and tracking capabilities, Spendbase enables businesses to gain clarity on their expenses, negotiate better deals with vendors, and automate manual tasks.

Spendbase’s AI-powered solution automates SaaS procurement, providing valuable insights into subscription usage, pricing benchmarks, and inactive accounts, ultimately saving up to 35% of the budget. With Spendbase, companies can issue corporate cards in just one click, seamlessly integrate with Apple Pay/Google Pay, and implement custom spending rules for enhanced control.

Furthermore, Spendbase is pioneering a cloud optimization solution, leveraging AI to analyze and predict data instances, usage patterns, and loads. This innovative approach ensures that companies pay only for the cloud storage they utilize, potentially reducing spending by up to 70%.

3. CxReports, Bosnia and Herzegovina

CxReports is the ultimate reporting tool simplifying complex data into sleek, professional PDF reports. With its intuitive WYSIWYG editor and customizable templates, businesses can effortlessly create stunning reports. Seamlessly integrating with diverse data sources, CxReports automates the process, fosters collaboration, and ensures brand compliance. Whether for small startups or large enterprises, CxReports streamlines reporting for businesses of all sizes.

4. FIRA, Croatia

The FIRA app, launched in Croatia in April 2022, revolutionizes invoice management for SMEs, craftsmen, and entrepreneurs. As the only market currently served, expansion is on the horizon. FIRA enables users to create invoices that meet legal obligations, including eInvoices and fiscal invoices, instantly registered with tax authorities. Leveraging open banking connections to major banks in Croatia, FIRA automates payment reconciliation and expense tracking. Users can opt for time-based invoicing, while tax reporting for SMEs under Croatia’s simplified tax regime is seamlessly managed. With detailed drill-down management reporting, FIRA serves as the “Digital CFO for SMEs,” offering efficient workflows and real-time financial insights. Accessible across all devices, FIRA operates on a SaaS model with flexible subscription options.

5., United Kingdom offers financial institutions a comprehensive solution for seamless EU Taxonomy compliance, both now and in the impending years as sustainability disclosures increase from 2025. The platform streamlines processes like portfolio analysis, data collection, aggregation, and auditability, assisting firms in efficiently navigating evolving sustainability requirements in Europe. With features like fast data delivery, customizable user preferences, and high data integrity, positions itself as a reliable partner for ensuring full regulatory compliance and reducing reliance on outsourced services.

6. Lancr Payments, Canada

Lancr is the ultimate resource management app for North American companies seeking seamless management of their global contractors. Their platform provides robust time tracking features and customizable contract creation options, accommodating various payment frequencies and work arrangements. Simplifying payment processes for global contractors, Lancr allows users to focus on business growth with peace of mind. Unlike other freelancer platforms with high fees, we offer a minimal 5% charge to freelancers, keeping your expenses in check.

7. POK, Albania

POK, a dynamic force licensed by the Bank of Albania, is revolutionizing the fintech landscape with its innovative suite of services. Catering to over 150,000 users and 1,000 merchants, POK delivers a seamless digital experience, offering everything from digital wallets to instant transfers, card top-ups, and QR payments. With plans for Visa debit card issuance and cutting-edge BuyNowPayLater features, POK is poised to redefine the way individuals and merchants engage with financial transactions.

8. Pirix Lab, Serbia

Pirix Lab offers a leading platform for secure NFT creation and minting across multiple blockchain networks. Our application integrates AI technology for image creation and editing, enhancing creativity in the NFT space. With customizable options and AI-assisted editing, users can easily create unique digital art. Security is prioritized, with transactions facilitated through external wallets for user protection. Pirix Lab offers three subscription plans to cater to diverse user needs and provides insights into the NFT market. Supported by grants and investments, we strive for continuous improvement to deliver a comprehensive and efficient NFT creation experience.

9., Lithuania

Introducing, the AI-driven platform revolutionizing access to European Union (EU) funding for small and medium-sized enterprises (SMEs). Launched with the mission to simplify the daunting process of securing EU grants, offers personalized assistance tailored to the unique needs and profiles of SMEs, ensuring they are alerted to the most relevant funding opportunities in real-time. With a user-friendly interface and expert guidance, empowers SMEs to navigate the complex EU funding landscape with ease, providing comprehensive support from grant matchmaking to application submission. From customized notifications to networking opportunities and educational resources, is the ultimate solution for SMEs seeking to drive growth and innovation through EU funding.

10. Nexity Network, Romania

At the core of Nexity Network is TradeFi, a comprehensive platform that integrates three key modules: ProWrite, DealMaker, and MultiPay. ProWrite simplifies contract management, facilitating seamless document exchange and ensuring compliance with industry standards. DealMaker enhances negotiation and approval workflows, enabling swift decision-making and reducing delays. MultiPay simplifies cross-border payment settlements and invoicing, ensuring accuracy and timeliness.

With Nexity Network and TradeFi, businesses can overcome the challenges of international trade, optimize efficiency, and unlock new opportunities for growth and success.

11. Trustee Plus, Lithuania

Trustee Plus isn’t your average crypto wallet; it’s a comprehensive digital money platform designed for the modern era. Our mission is to create a cutting-edge platform that seamlessly integrates traditional and emerging forms of currency, from blockchain and CBDC to cryptocurrencies and beyond. With Trustee, businesses and individuals can harness the power of diverse financial assets while remaining compliant with regulatory standards.

12. PayMyStay, Bulgaria

PayMyStay is revolutionizing tourism payments with a solution that seamlessly integrates account-to-account transactions into every step of the payment process. Their innovative approach delivers significant cost savings and introduces essential features like an Open banking financial dashboard and installment payment options, making PayMyStay a versatile solution for all.

Partnering with IRIS Solution, an EU-licensed payment institution, PayMyStay is a pioneer in Open banking services, leveraging cutting-edge technology for financial data and expertise in payment services.

The financial dashboard provides real-time tracking and control over money flow, empowering businesses to make informed decisions and drive financial performance. With plans to expand into new markets and a diverse customer base spanning various industries, PayMyStay is reshaping the tourism payment landscape and paving the way for a more convenient future.

13. TRAKEN, Serbia

TRAKEN is a state-of-the-art tool for smart electrical grids, offering data tracking, asset management, and exploitation capabilities. It provides a distributed ledger for managing unique identities and product passports of smart meters, vehicles, and sensors within the network.

Built on Blockchain technology, TRAKEN ensures secure access to smart meters and metering records, enabling flexible reconciliation and efficient rebalancing processes for suppliers and traders. It drives improvements in energy production, distribution, and consumption while promoting renewable energy usage.

TRAKEN seamlessly integrates into existing systems, offering tools for balancing local energy resources and enhancing energy efficiency. With TRAKEN, the future of smart grid management is here.

14. DDD Invoices, Slovenia

DDD Invoices steps in to address the EU’s push for mandatory electronic invoicing in the B2B sector within the next 2-3 years, accommodating each country’s unique e-invoicing standards. Through seamless API integration, software providers can swiftly comply with local tax requirements and automate e-invoicing standards integration in just one day.

By partnering with DDD Invoices, businesses gain access to a comprehensive suite of solutions, including invoice data transformation, distribution across platforms, secure cloud storage, and embedded white-label invoicing UI. With these features, companies can effortlessly ensure global invoicing/e-invoicing possibilities for their software and users, eliminating concerns about regulatory compliance.

15. Skaut+, Croatia

Skaut is revolutionizing digital vouchers and financial interactions, bridging convenience with traditional shopping benefits for consumers and businesses. Simplifying the purchase, management, and use of digital vouchers, Skaut offers a seamless platform for individuals and businesses, enabling easy acquisition and redemption of e-vouchers from diverse retail partners.

For retailers, Skaut serves as a powerful customer relationship and sales enhancement tool, providing immediate payments and boosting customer retention and acquisition. Its B2B model offers unique advantages, allowing corporate clients to leverage premium vouchers for tax-free salary benefits or incentives, while receiving attractive cashback rewards.

Backed by a secure technical infrastructure, Skaut seamlessly integrates with existing POS systems, ensuring effortless transitions for retailers. With a focus on security and compliance, Skaut stands out as a trusted platform, catering to diverse needs in the fintech sector.

In her keynote, Anna will delve into the forefront of payment technologies. She will guide you through emerging technologies, including recent developments in AI and explain how they can be effectively integrated into payment solutions and platforms.

She will share her insights into the ways payment transactions can be redefined and reengineered. She will provide examples of how payment processes and flows can be streamlined through open banking, a2a payments as well as payment orchestration. Learn how these technology advancements are not only reshaping payment transactions but also enhancing the overall customer experience. In her session, Anna will also explore the evolving role of embedded payments and their transformative effect on the merchant payment value chain.

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The discussion will focus on the impending digital and cashless transformation of the payments industry, driven by market participants including merchants, customers, banks/financial institutions, and payment networks. Key areas of exploration will include advancements in instant payments, the influence of the European Payment Initiative, and the future landscape of payment facilitation and acceptance.

Additionally, in this panel we will explore the impact of emerging technological trends such as SoftPOS adoption, regulatory frameworks like PSD3 and the Digital Euro, evolving business models like BNPL services, the diminishing use of cash, and discussions on cross-border payments and cryptocurrency integration, all of which are shaping the evolving nature of payment systems within Europe.

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At Mastercard, we strive to connect and power an inclusive digital economy that benefits everyone, everywhere. For almost 60 years, leveraging our global innovations capability, we work to digitize payment services across all channels and devices. Delivering payment value where speed, security and convenience matter most, and digital solutions solving consumers’, small and large businesses’ needs. Building trust in a digital world and embedding our social impact initiatives and ESG commitments into our core. Connecting everyone to priceless possibilities.

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What changes has open banking brought so far? What difference has it made and how? Who are the main drivers and players? Can open banking replace cards and what will it take? We will explore some of the open banking models around the world, use cases, lessons learned and what will the transition to open finance entail.

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The panel will cover the financial landscape's evolution from open banking to open finance. It addresses the development, challenges, and forward trajectory of alternative business models. The session will dive into impactful use cases while examining the implications of the latest EU regulations, lessons learned from existing regulations and anticipates changes with PSD3.

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In an increasingly digitised world, an elevated level of sophistication and personalization is expected from the banks when approaching the customers. To meet such expectations, not only a thorough knowledge and understanding of the customers' needs, but also an attentive customer-centric relation is needed. The banks should be able to know when, how and what to offer to their customer, taking into account their financial profile, as well as contemplating a well-thought engagement and communication strategy.

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In this panel, we will discuss the importance of data in today’s AI world.  First, we will cover what ChatGPT brings to banking and AI, demystifying whether it is a myth or a reality and how that fits enterprise users. Current generative AI offerings mainly focus on general models, but what about specialists’ models and their future?

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The panel will delve into the intricacies of the Digital Operational Resilience Act (DORA), the pioneering European framework that came into effect on January 16, 2023. By 17 January 2025, over 22,000 financial entities and ICT Service providers across the EU are expected to achieve compliance with this regulation. This, among other important activities, implies that millions of contracts within the EU will require renegotiation, placing a critical emphasis on fulfilling value chain requirements.

The panelists will try to unravel the essence of DORA by addressing key questions: What are the key requirements of DORA? How can financial institutions navigate their most pressing challenges, and why must organizations of varying sizes adopt distinct strategies? Is the talent pool of IT Risk managers adequate, and how will cyber teams be impacted? And most importantly, can we make it on time or are we already behind schedule in our preparations?

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Experience the Battle of the Decade firsthand! 

Hrvoje Cosic, the CEO of Aircash, is set to go head-to-head with the heavyweight champion Andrius Biceika, a distinguished board member at Revolut. This epic showdown will delve into numerous sensitive and even a few embarrassing topics :) such as the role of neobanks in Croatia and the broader region. Join us as we explore their respective exit strategies, identify fintech champions and contenders, and uncover their perspectives on various subjects like gambling, digital euro, and Apple Pay.

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The panel discussion explores Central Bank Digital Currency (CBDC), covering its definition, motives, and future implications such as its coexistence with current and future versions of digital money (deposit money, stablecoins etc). It addresses implementation challenges, competitive ecosystem building, CBDC as a public good, anonymity concerns, public authorities' roles, and the European Commission's digital euro proposal.

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Why would anybody use stablecoins? Except for trading of cryptocurrencies, ofcourse. What problems do we have with the current financial system that stablecoins solve? And, are they really so dangerous that central bank digital currencies were created just to stop stablecoins from taking over the world? Nadiem and Nikola deeply believe that stablecoins will have a pivotal role in shaping the future of money, come hear them chat about that.

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(coming soon)

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We will discuss the evolving landscape of financial technology, highlighting both challenges and opportunities for the next decade. Sigal, with his extensive background in FinTech and venture capital, will share insights on recent trends such as the impact of rising interest rates on funding, the stabilization of FinTech exits, and the promising outlook for FinTech IPOs. The presentation will also look into emerging disruptive technologies and the importance of understanding investor motivations for startups navigating the FinTech space.

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The panel will explore critical issues such as regulatory hurdles, market fragmentation, and funding challenges. It will look into the need for collaborative efforts between startups, investors, and other ecosystem stakeholders to foster a conducive environment as well as supportive policies to nurture the FinTech ecosystem.

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The talk will delve into the hurdles startups face, the support provided by European public sector institutions, and effective strategies for securing public sector grants. It will outline the availability of grants and other forms of support from the European Innovation Council (EIC) for startups and scaleups. Additionally, the talk will highlight success stories of Croatian startups that have leveraged grants to develop and scale their innovative products and services, offering valuable insights and guidance for emerging fintech enterprises in Europe.

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(coming soon)

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