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20% of the projects are international

Bankia Fintech selects 18 startups in its fifth call, with the highest participation ever

The selected projects, which will have the headquarters of Valencia and Madrid, will develop innovative projects in collaboration with Bankia.

Communication Bankia

By  Communication Bankia

Publish on 
19 December 2019 - 11:45

  • A total of 173 projects have been submitted, 38% more than in the fourth call, from 26 countries
  • The selected companies will have the opportunity to work for seven months with the Bankia Innovation team and the experts and mentors from Innsomnia to grow the project
  • Many of the selected startups have sustainability as their common goal

Bankia Fintech by Innsomnia’s fifth call has started with the selection of a total of 18 startups, out of 173 that had been nominated in an edition that has led to a record in participation with an increase of 38% over the fourth call.

The objective of the project, as in previous editions, is to work on open innovation processes with different areas of the bank, to develop products for the bank and its customers through joint work between technology companies and Bankia.

The selected startups will have the opportunity to work for a period of seven months, which is the expected duration of the program, with the Bankia Innovation team and the experts and mentors from Innsomnia to develop and grow the project.

The projects will be developed at the Bankia Fintech headquarters in Valencia and Madrid, the latter inaugurated in October this year on Fuencarral street because of the growing interest of startups in collaborating with the bank.

The director of the Bankia Innovation Observatory, Pablo Gómez, explained that "the entity's team is very excited about this fifth call, as these are very diverse projects, some more incipient and others more mature, but all of them with a great development potential”.

"Year after year we are receiving top-quality projects and this is allowing the consolidation of Bankia Fintech by Innsomnia as the first open innovation program in Spain and, with increasing international presence", said Gómez.

Year after year we are receiving top-quality projects and this is allowing the consolidation of Bankia Fintech by Innsomnia as the first open innovation program in Spain and, with increasing international presence".

Pablo Gómez
director of the Bankia Innovation Observatory

In this edition, six Artificial Intelligence projects have been selected, which will be developed by Fintep, Metis Solu, Tickendy, Zárate Meteo-Sistemas Cuantitaivos, Multiverse Computing and Strong Algorithmics-SALGO.

There are also three User Experience projects, Tadoo, UCapture and Xperiencia Virtual; two Cybersecurity projects, Signicar and RedTeaming; two Blockchain projects, from Donext Digital Solutions and DainWare; and two Alternative Credit Scoring projects, from TheLogicValue and October.

In addition, there is one Regtech project, promoted by WeWorkData; one Business Solutions project, from GouBlue; and one Disruptive Payment Methods project, from Subscription Apps.

In this edition of Bankia Fintech by Innsomnia, many of the selected startups have sustainability as their common goal.

More than 20% of the selected projects are from international companies in the United States (1), France (1), Norway (1) and Ireland (1). The rest of the projects selected correspond to national projects in Madrid (7), Valencia (2), Barcelona (1), Castellón (1), San Sebastián (1), Valladolid (1) and Vitoria (1).

Bet on fintech

Bankia Fintech by Innsomnia already has five national and international calls for proposals, to which almost 500 nominations have been submitted. In the first four, 47 projects were accelerated, along with 18 projects that are just starting.

The bank is firmly committed to accelerating startups specializing in fintech, for which it has 'Bankia Fintech Venture', a fund through which the entity will invest up to 20 million euros over five years in fintech projects developed by financial startups.

'Bankia Fintech Venture', launched last October, is a further step in the bank's strategy to offer startups a tool to channel their financing needs and to develop services related to innovation and technology, which are very complementary to the core activities of Bankia.

Selected start-ups and entrepreneurs selected by field

Artificial Intelligence

  • Fintep: It offers a platform for proper certification and document management, in a decentralised, reliable manner and with traceability of all banking and financial processes.
  • Metis Solu: Hubtype, the project they have submitted, is a conversational platform focused on user experience that combines automation and human agents through different messaging applications.
  • Tickendy: The first platform that allows establishments to digitise purchase receipts and store them a mobile app using NFC technology.
  • Zárate Mateo- Sistemas cuantitativos: Tool aimed at improving investment processes through Artificial Intelligence.
  • Multiverse computing: A company that applies quantum computing to finance through Artificial Intelligence and Machine Learning. Its solutions provide answers to the problems of fraud and late payment, with average savings for financial institutions.
  • Strong Algorithmics-SALGO: Comprehensive solution for advanced fraud detection, early warning of non-payments and operational risks through information synchronisation, data storage and advanced analytics.

User Experience

  • Tadoo: A mobile messaging service that offers absolute transparency and security. A new technology that creates an interactive relationship between the financial institution and the customer to improve user experience.
  • UCapture: A green-tech platform that fights climate change, allowing users to reduce their carbon footprint free of charge for every purchase made.
  • Xperiencia Virtual: Bankiavr, the selected project, is a 360º solution that can be used to view, train and learn the best commercial guidelines in the most efficient way possible, using virtual reality technology.


  • Signicat: Solution to verify customer identity, collect KYC data, perform due diligence and obtain a legally binding electronic signature that meets the appropriate regulatory compliance requirements.
  • RedTeaming: ODIR (Offensive & Defensive Intelligence Reconnaissance), the project selected, is a permanent service for the discovery, monitoring and review of assets, whose ultimate goal is to provide any company with complete information to know their level of risk against possible threats that affect its assets, continuously identifying and responding to these attacks.


  • Donext Digital Solutions: Tool that uses gamification for the development of products and services that stimulate customer acquisition and loyalty, creating experiences through augmented reality and video content and assets, among others.
  • DainWare: DAIN is a state-of-the-art artificial intelligence platform. It is a decentralised and geo-scattered public computer network that solves a wide variety of problems through blockchain.

Alternative Credit Scoring

  • TheLogicValue: The Logic Value has created an analysis tool for the control and monitoring of the effect that companies have with their carbon footprint, capable of quantifying the risk of investments in monetary and percentage terms.
  • October: A leading loan platform in Continental Europe that digitizes the analysis of banking risks and automates a large part of the sales, credit and document processing process.

Disruptive payment methods

  • Subscription Apps: A collaborative economy tool that consolidates all charges to be made for shared services in a single application.

Solutions for Businesses and SMEs and sustainability

  • GouBlue: GouBlue seeks to reduce environmental impact by offering shared travel in urban areas among the employees of a company.


  • WeWorkData: A real-time and secure anonymity solution that guarantees compliance with the GDPR for financial institutions. It provides a reduction in response time for new projects and a greater capacity to share data internally.


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