rewrite this title Two Compliance and Risk Fintechs Turning Controls into Competitive Advantage – Finovate

Financial institutions are scaling digital products, expanding into new markets, and automating their decision-making more than ever in 2026, which makes managing controls, models, and regulatory obligations just as important as stopping fraud.

At FinovateEurope 2026, two new fintechs are showing how banks can move beyond manual processes and static controls toward more dynamic, data-driven approaches to compliance and risk. Check out how the following companies are helping banks reduce cost, improve transparency, and turn regulatory requirements into tools for smarter decision-making.

FinovateEurope 2026 will take place at London’s InterContinental O2 on February 10 and 11. Tickets are available now. Visit our FinovateEurope hub today and take advantage of big early-bird savings!

FINTRAC

UK-based FINTRAC helps financial institutions automate controls and workflows across the model lifecycle, enabling stronger governance with less manual effort. Its platform replaces fragmented, spreadsheet-driven processes with centralized controls, audit-ready documentation, and richer analytics that improve transparency across risk, compliance, and model management teams.

Because its tools are integrated into banks’ existing systems, FINTRAC allows banks to reduce costs while maintaining regulatory compliance in real-time.

Serene

Serene helps firms turn compliance and collections data into actionable insights by helping lenders optimize arrears management, reduce defaults, and expand access to credit by combining compliance discipline with frontline intelligence.

Serene positions compliance as a feedback loop that improves decision-making across collections and lending operations. The company offers organizations data and guidance to enable them to balance risk management with customer outcomes while remaining compliant.

Why banks should care

As banks continue to digitize lending, payments, and risk decisioning, compliance and control functions can no longer rely on manual processes. In fact, regulators are increasingly expecting firms to implement continuous governance, which places more pressure on teams to move faster, adopt AI-driven models, and reduce operational cost.

Fintechs like FINTRAC and Serene are good examples of how compliance and risk intelligence are being embedded into everyday operations. By automating controls and leveraging compliance data for actionable insights, banks can improve transparency, strengthen risk management, and scale more confidently.

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