Fintechos Reaches Profitability As Ai Platform Fuels Us Growth

FintechOS has set a target of $35million in annual recurring revenue for 2026 after reaching profitability and recording strong growth in the US.

The financial technology company, which works with banks and insurers, said recurring revenue rose 40 per cent year on year. Revenue from its US business increased by 130 per cent over the same period.

FintechOS says growth came from across the US, UK and Continental Europe, as well as increased use of its latest AI-powered platform. The platform enables financial institutions to build products and set operational workflows using natural-language instructions.

The figures follow two years of consolidation in 2023 and 2024. FintechOS also reported a rise in gross margin, which it said supported both profitability and further investment in the business.

“Growth and profitability go hand in hand, not at the expense of one another,” said Blidarus. “This year’s numbers are the consequence of things we built correctly over the past years, and now the results are showing.”

AI platform supports product development

FintechOS’s latest platform includes Dex, an AI assistant that allows teams at banks and insurers to configure financial products and operational workflows through natural-language instructions.

The platform brings together product design, pricing, origination and servicing, giving financial institutions a common system through which to develop and manage products.

FintechOS said the agent-based approach had reduced the time required to configure product rules by up to 60 per cent, based on its own data. It described the latest release as the strongest platform launch in the company’s history.

Blidarus said the reception from clients reflected FintechOS’s growing focus on artificial intelligence within financial services.

“Today we are no longer a fintech company, but an artificial intelligence company for the financial industry,” he said. “This version of the platform is the best received in the company’s history, and client interest confirms it.”

US business grows 130 per cent

The US has become FintechOS’s fastest-growing market, with credit unions forming a central part of its expansion strategy. The company is also targeting banks and insurers through products covering policy administration, product design, pricing and origination.

FintechOS has added Rich Longo to its board as it strengthens its North American leadership team. Longo has more than 20 years of experience across financial services and technology, including roles at management consultancy McKinsey & Company and investment platform Robinhood.

“In the new context of the speed that artificial intelligence requires, FintechOS solutions are a strong fit for the requirements and expectations of the US market,” said Longo.

“I chose to join because I saw a company that succeeds where many others do not, in one of the most competitive markets in the world, through an AI-first proposition that responds exceptionally well to what the market demands.”

FintechOS said several other senior industry executives were also preparing to join its US team.

Growth across the UK and Europe

In the UK, FintechOS has expanded into the building society sector, where institutions are seeking to modernise the systems used to develop and manage financial products. The company has also increased its presence in the UK insurance market, with clients including insurer Admiral and insurance intermediary Howden.

Across Continental Europe, FintechOS works with financial institutions including BRD Groupe Société Générale, Groupama, CEC Bank and ProCredit Bank. It said it had deepened these relationships by supporting the launch of additional financial products for existing clients.

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