Additionally, we’ve taken major steps in our global expansion. Let’s take a look back at the moments that defined 2024. Will you join us?
Innovating to personalize the online banking experience
The year started strong with the approval of our “Hyperpersonalized Finance Intelligence” project by CDTI Innovación. This initiative marks a qualitative leap in how we understand users, enabling real-time segmentation, accurate financial predictions, and hyper-personalized recommendations.
February brought another milestone: the launch of B100, The Healthy Banking, a new banking category. This revolutionary neobank rewards users for every step they take and tracks their carbon footprint. “The collaboration with Coinscrap Finance allowed us to launch a unique and innovative service capable of revolutionizing how people view their personal finances,” said Sergio Fernández, Head of Business Development at B100.
This initiative has become a benchmark for sustainable innovation. Thanks to the carbon footprint estimation carried out by Coinscrap Finance, users can understand their environmental impact. In turn, B100 helps them reduce that footprint by allocating a percentage of their card purchases to ocean cleanup.
Certifications that make a difference in a highly regulated sector
In May, our commitment to sustainability was reinforced with TÜV Rheinland certification for COCO{CO2}, a milestone that validates the reliability of our carbon footprint calculation system. The validation confirms compliance with ISO 14064 and the GHG Protocol, making us one of the few companies in Europe with this certification and the only one using bank transactions to calculate CO2 emissions.
That same month, we were thrilled to receive the Great Place to Work® certification. A remarkable 97% of our team stated that Coinscrap Finance is an excellent place to work, with 100% expressing pride in discussing their work with friends and family and enjoying special celebrations together.
Teresa Lafuente,“This recognition reflects our effort to build a space where people can grow both professionally and personally. Our team culture is our greatest asset.”
Head of People at Coinscrap Finance.
Coinscrap Finance in the Media
Several specialized media outlets have highlighted our focus on hyper-personalizing finances as a game-changer in the banking landscape, both in Spain and abroad. The use of AI to predict and facilitate economic decisions will continue to make a difference for institutions throughout 2025.
“Gamification plays a key role in motivating users to save. Coinscrap Finance allows users to set savings goals tied to their favorite team’s scores, for example,” mentioned an article in Directivos y Empresas.
From Forbes to Business Insider, El Independiente, and Revista Ejecutivos, all agree: our scale-up is enhancing relationships between banks and users. A financial institution that cares about its customers’ financial health can secure lifelong loyalty.
Events on banking data, transactional enrichment and financial insights
Presenting our solutions at conferences, round tables, and webinars allows us to connect with key collaborators and future clients globally. Some of the most noteworthy events of the year were:
- Embedded Everything Conference, Lisbon.
- Finnosummit Connect, Cancun.
- Al-Andalus Innovation Venture, Seville.
- Finnosummit, Mexico City.
- Mastercard for Fintechs, Madrid.
- Digital Bank & Insurance, Mexico City.
- DataBank, Madrid.
Ibercaja and Coinscrap Finance reinvent retirement savings with Pensumo
“The collaboration between the financial sector, Fintech, and Public Administration has been crucial in tackling a socially significant challenge: building family savings for the future through an innovative formula adapted to consumer habits, such as Pensumo, Pensión por Consumo,” stated Víctor Royo, Director of Payments and Consumer Business at Ibercaja.
The alliance between the entity and our Fintech has been instrumental in putting technology at the service of people. Just two months after this launch, Unicaja announced the implementation of a new tool, its “Digital Piggy Bank”, also developed in collaboration with Coinscrap Finance. This initiative focuses on promoting micro-savings among the population through automated rules. Check out the press release.
Global solutions powered by open banking
In Mexico, we continue to strengthen our position through key collaborations that allow us to offer personalized solutions to institutions and users. Expanding to other regions in Latin America will bring our technology to remote areas with specific banking needs.
To this end, we’ve bolstered our local team by bringing on Diego Romero Tuccio as Head of Business Development for Latin America. More recently, we announced the arrival of Óscar Díez Martín as Senior Advisor for the region. We are confident his expertise will be crucial in consolidating our international expansion.
Recognitions that inspire us to keep growing
Coinscrap Finance has been featured in several national lists recognizing our innovative strength. Specifically, the Tech and Innovative Companies Report published by ENISA, Patio Campus, and El Referente highlighted us as “One of the Fintechs driving increased technology investment” in our area of influence.
The Emprendedores magazine list, “The 50 Most Innovative Startups of 2024”, and the Spanish Association of Science and Technology Parks’ “Top 100 Startups of 2024” leave no room for doubt. Our commitment to digitally transforming the financial industry is reshaping the sector and driving us to keep innovating.
We’re also proud to announce that our first solo* scientific paper has been accepted by IEEE. The team, consisting of Óscar Barba, Carolina Cano, Martín Molina, and David Díaz, worked hard to develop a new AI algorithm capable of detecting if a bank transaction (without context) is periodic and determining its periodicity. Stay tuned for more updates on our LinkedIn profile.
Collaboration with universities: Masterclasses on AI in finance
Óscar Barba, our CTO and co-founder, maintains an unwavering commitment to the scientific community and teaching. His role as a PhD candidate makes him the ideal person to explain how systems and algorithms can optimize various processes in the financial industry.
This year, he has been a teacher in the Degree in Artificial Intelligence at the Universidade de Vigo and the Faculty of Economics and Business at the Universidade de A Coruña. He has also given talks at the Instituto Tecnológico Autónomo de México (ITAM) and the ESIC Campus in Madrid on artificial intelligence applied to banking experiences.
Sharing knowledge and looking to the future to stay one step ahead
2024 has been a year of significant progress, but this is just the beginning. We remain committed to innovation and technology to transform how people interact with money. To this end, we strive to communicate our expertise and share our knowledge.
A clear example of this is the work of our CEO and co-founder, David Conde, as a Top Voice on the professional network LinkedIn. His posts and newsletter reflect what’s to come in open finance. Similarly, Juan Carlos López, CPO and co-founder of Coinscrap Finance, shares his insights through our blog, alongside Óscar.
Juanjo Gómez, Head of Marketing, has conducted no less than eight interviews this year with prominent figures in the international Fintech landscape. You can enjoy them on The Fintech Podcast. Some of his guests included Andrés Fontao, co-founder & Managing Partner of Finnovista; Julián Colombo, Managing Director of Bitso Argentina; and Natalia Jiménez, CEO of Lulo X, Colombia’s first digital bank.
David Conde,“At Coinscrap Finance, we are convinced that the future of finance is digital, personalized, and sustainable. We work tirelessly to make this change possible.”
CEO and co-founder at Coinscrap Finance.
We can only express our gratitude to our entire team, clients, and collaborators for joining us on this journey. 2025 is brimming with opportunities, and at Coinscrap Finance, we are more ready than ever to continue transforming the financial industry.
Happy New Year!
* Without the collaboration of atlanTTic (Universidade de Vigo), which supported us in the development of previous papers.
