The company capitalizes on its profit shift in H1 2026 and 130% growth in the U.S. market by expanding its U.S. operations, strengthening European markets, and a new delivery model, supported by its AI-native platform.<\/p>\n\n\n\n
Bucharest, September 21, 2026 – FintechOS, the technology company for the financial industry founded in Romania and now an international player, which offers artificial intelligence-based digitalization solutions for banks and insurers, announces the attraction of financing of 28 mln. USD, structured in equity and debt. The equity component comes from current shareholders, including Bek Ventures, IFC, Cipio Partners and Molten Ventures, in addition to a senior credit facility granted by Santander CIB. The funds will be used to strengthen the company’s expansion base in the United States, to develop the client portfolio in Europe and to scale the delivery model behind its AI-native platform.<\/p>\n\n\n\n
The round comes after a solid first half for FintechOS, in which the company confirmed that it had reached the operating profitability threshold, with a 40% increase in recurring revenue in the first half of 2026, mainly supported by the 130% growth in the United States market. EBITDA increased by more than 102% year-on-year, and gross margin gains allow the company to finance its next stage of growth without slowing the pace. For 2026, the company estimates a record number of new customers, with more than 20 financial institutions around the world adopting its AI-native platform, FintechOS 8.<\/p>\n\n\n\n
“The shift to profit was not accidental, but the result of a deliberate effort, over several years, to keep our cost base, margins and delivery model under control, before accelerating growth again,” said Cyril Desouza, CFO of FintechOS. “Now, this discipline pays off twice: the company has shifted to profit and has already made the leap back into accelerated growth, exactly the combination that allows us to take a round like this.”<\/p>\n\n\n\n
“Growth and profitability go together, not at the expense of each other,” said Teodor Blid\u0103ru\u0219, founder and CEO of FintechOS. “Supporting Santander CIB, along with the other investors who trust us, is a strong vote of confidence in the direction we are going and provides us with the necessary capital to capitalize on the tremendous potential we see ahead, especially in the United States, without compromising the discipline that has brought us to profit.”<\/p>\n\n\n\n
Acceleration in the United States, consolidation in Europe<\/p>\n\n\n\n
The United States has remained the company’s most dynamic market over the past year, and FintechOS now aims to increase this pace even further. The company is expanding its Board of Directors team for the U.S. market, including through a new Chairman, who will help shape the strategy for the next phase of expansion and strategic partnerships in the region, building on the 130% growth already recorded. For the next twelve months, the company is targeting more than 200% growth in the U.S. market.<\/p>\n\n\n\n
FintechOS’ strategic partnership with Finxact (part of Fiserv, one of the largest providers of core banking and payments systems in the United States) adds to existing partnerships, such as the one<\/p>\n\n\n\n
with Finastra Phoenix, another major provider of core banking solutions, and opens access to a new segment of banks and credit unions, which will join a portfolio that already includes ESL Federal Credit Union, Vibrant Credit Union, Hanscom Federal Credit Union, Farmers Bank of Willards, MHG Insurance and other institutions.<\/p>\n\n\n\n
In parallel with the acceleration in the United States, FintechOS is strengthening its presence in the banking and insurance area in Europe, with new customers in the UK and with solid partnerships, continued with organizations such as BRD Groupe Soci\u00e9t\u00e9 G\u00e9n\u00e9rale, Admiral, CEC Bank, Howden, Bankinter, Groupama and many others.<\/p>\n\n\n\n
Native artificial intelligence, the engine of a new delivery model<\/p>\n\n\n\n
The platform’s AI-native approach, where non-technical users can configure products and offerings directly in Dex, the AI co-pilot, along with the full range of Unified Product Operations capabilities, changes the way financial institutions implement innovation and enables a new delivery model for FintechOS.<\/p>\n\n\n\n
In parallel with the expansion of the leadership team in the United States, FintechOS introduces this new forward-deployed practice, built around agile, customer-facing teams, each consisting of a forward-deployed technical consultant and a forward-deployed engineer. Unlike the traditional implementation approach, which is more distant from the customer, these teams work closely with customers’ product teams to configure and launch products on the FintechOS platform faster. The model is designed to bring greater operational efficiency to customers, reduce the time it takes to bring new products to market, and lower the total cost of the technology, turning the speed of the AI-native platform into deployment speed and concrete value.<\/p>\n\n\n\n
Commitment to the Romanian market<\/p>\n\n\n\n
Romania remains an important market for FintechOS, both through its customer base and its team of specialists in Bucharest, which contributes to the development of the platform used by financial institutions around the world. Among the clients in Romania are BRD Groupe Soci\u00e9t\u00e9 G\u00e9n\u00e9rale, CEC Bank and Groupama. The new financing also supports this component of the company’s activity, through continuous investments in the platform and in the team.<\/p>\n\n\n\n
ABOUT FINTECHOS<\/p>\n\n\n\n
FintechOS is the agency AI platform for Unified Product Operations, dedicated to banks, insurers, and other companies in the financial services industry in Europe and the United States. Unified Product Operations is the approach by which a financial institution unifies its entire product lifecycle (from design and launch, to pricing, origination, and administration) into a single operational flow, eliminating fragmentation caused by complex processes and the multitude of decoupled systems. Through its AI-powered platform, FintechOS provides this unified layer, helping organizations launch and manage financial products faster and more efficiently. The company was founded in Romania by Teodor Blid\u0103ru\u0219 and Sergiu Negu\u021b and has offices in Bucharest, the United Kingdom and the United States.<\/p>\n\n\n\n
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