Rethinking Finance
As experts in applied AI, we modernise financial systems to unlock innovation, address regulatory challenges and transform the customer experience.
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Our team combines financial sector expertise with a strong focus on the technology trends reshaping the industry - open finance, embedded finance, agentic banking and more. We work on high-impact projects: building banking apps, designing digital customer journeys for loan origination, integrating or developing banking APIs, implementing open finance solutions, modernising technical stacks, conducting technology due diligence for investment funds and delivering applications to accelerate client acquisition in private banking. Every project adheres to strict standards of security, compliance (DSP3, FIDA, e-invoicing) and quality.
Trusted by industry leaders
“Theodo’s responsiveness helped us rapidly provide liquidity to struggling businesses.”
Our client stories
Nickel: Launch of a credit offer in 5 months to accelerate portfolio diversification
Deployment in 5 months of a mini-loan integrated into the Nickel app, in partnership with Floa.
Our offers
Digital Wealth Management
Modernise your wealth management experience to attract tomorrow’s investors.
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Our view of the market
“Financial services are at a turning point. For the first time, fintechs are gaining market share, not just innovating. Banks and fintechs now face complex regulations that sometimes call their business models into question.
In this context, technology is a key differentiator. APIs and event-driven architectures pave the way for more fluid, real-time finance. Agentic systems—the most advanced form of generative AI—will enable proactive service for users and teams. Trusted, distributed data will empower smarter, business-driven decisions.”
Our insights
Our partners
At Theodo, client needs inform every decision, including our partner choices. We team up with trusted partners who can co-create solutions tailored to our clients’ ambitions. For the financial sector, we partner closely with leading FinTech enablers - Banking-as-a-Service providers, payment service providers (PSP), Core Banking Systems, Third-Party Providers (TPP) and KYC/KYB specialists. Our goal: to integrate the best-performing technologies quickly, in order to save our clients valuable time.
Our technologies
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Public sector
Using digital to build trust, deliver impact and strengthen sovereignty in the public sector.
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