BCN Fintech is a not-for-profit organization dedicated to growing the fintech ecosystem in Barcelona, Spain. Self-described as the official voice of fintech in Barcelona.

BCN Fintech

Dimply provides a customer experience platform designed specifically for financial services, allowing businesses to create personalized financial experiences through embedded user interfaces and real-time data integration.

Dimply

Nu Holdings Ltd. operates as a digital financial services platform and technology company primarily in Brazil, Mexico, and Colombia. It offers Nu credit and debit cards; Ultraviolet credit and debit cards; and mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones. The company provides savings solutions, such as Nu Personal Accounts, a digital account solution that supports all personal finance activities, from daily purchases and money transfers to savings; and Nu business accounts designed specifically for entrepreneur customers and their businesses. In addition, it offers NuInvest, an investment product that provides equity, fixed-income, options, and ETF products, as well as multimarket funds with curated asset allocations based on the customer's risk profile and financial position; personal unsecured loans; in-app buy now pay later' solution for Nu card customers to pay credit and debit purchases, and banking payment slips over time in up to twelve installments; and NuInsurance protecting solutions to help its customers secure life insurance and funeral benefits. The company was founded in 2013 and is headquartered in Sao Paulo, Brazil.

Nu Holdings Ltd.

PayFlow offers payment, legal, and development solutions for businesses, focusing on company formation and ongoing support.

PayFlow

BCN Fintech is a not-for-profit organization dedicated to growing the fintech ecosystem in Barcelona, Spain. The organization enables growth through learning, promotion, and connectivity.

BCN FinTech | 5,384 followers on LinkedIn. Connecting and growing the Barcelona Fintech Ecosystem. | BCN FinTech is a non-profit and non-governmental association that helps local FinTech&#39;s become successful. Our vision is to help make Barcelona a major fintech hub in the EU.

We do that by bringing the FinTech community of our city together in one place to learn from each other, collaborate and network.

COO at Bourbon Creative & Barcinno | Co-Founder at BCN FinTech

Clemens Rychlik

♾️ 360 People Solutions - Caring About The Full Employee Journey♾️ Hiring | Onboarding | Employee Experience | Retention ✨Your Company's Favourite…

Stacey Matthews

bicen sport

BCN FinTech

🌟 After our record sell-out event in September, we're thrilled to announce our next BCN FinTech gathering! Get ready for BCN FinTech X Barcinno #017: Wealth Tech: Reinventing Investment happening in just 3 weeks! 🗓 Date: Wed 27 Nov at 18:30 📍 Location: Barcelona Finance Hub by Aticco (inside the iconic Barcelona Stock Exchange building) 🎤 We’re covering the exciting world of Wealth Tech—where innovation meets wealth management, personal finance, savings, and investments that we all think about for our future. Join us to hear from leading experts: - Joaquim De la Cruz , CEO & Co-founder at Flanks - Ignasi Viladesau, CFA , Chief Investment Officer at MyInvestor - Sabrina G. , CEO at Vesto ✨ Why attend? - Gain valuable insights into the wealth tech world - Network with Barcelona’s fintech community - Enjoy fintech chats over some free snacks and drinks 🎟 Don't miss out on! Limited super-early bird tickets are available now—for less than the price of a beer. Register here: https://shorturl.at/lz7Vn Bigl thanks 🙏 to our sponsors for making this possible: 🥇 Gold Sponsor: DigitalSync.co 🏠 Host Partner: Barcelona Finance Hub by Aticco 🥈 Silver Sponsor: fonYou 🤝 Partners: abroaden , Barcinno , Hello Operator (formerly Bourbon Creative) , Barcelona Metropolitan , The American Society of Barcelona --- [ES] 🌟 Después de nuestro evento con entradas agotadas en septiembre, estamos emocionados de anunciar nuestro próximo encuentro de BCN FinTech : BCN FinTech X Barcinno #017: Wealth Tech: Reinventing Investment, ¡que se celebrará en solo 3 semanas! 🗓 Fecha: Mié 27 Nov a las 18:30 📍 Ubicación: Barcelona Finance Hub by Aticco , Pg. de Gràcia, 19 (en el emblemático edificio de la Bolsa de Barcelona) 🎤 Nos sumergiremos en el mundo apasionante de Wealth Tech, donde la innovación se encuentra con el wealth management, las finanzas personales, el ahorro y las inversiones, temas que todos consideramos para nuestro futuro. Escucha a expertos destacados: - Joaquim De la Cruz , CEO y Co-fundador de Flanks - Ignasi Viladesau, CFA , Chief Investment Officer de MyInvestor - Sabrina G. , CEO de Vesto ✨ ¿Por qué asistir? - Aprende más sobre la evolución del mundo Wealth Tech - Conecta con la comunidad fintech de Barcelona - Disfruta de charlas sobre fintech con algunos snacks y bebidas gratis 🎟 ¡No te pierdas asegurar tu entrada! Disponibles pocas entradas super-early bird por un precio menor al de una cerveza. Regístrate aquí: https://shorturl.at/lz7Vn Gracias 🙏 a nuestros patrocinadores por hacer esto posible: 🥇 Gold Sponsor: DigitalSync.co 🏠 Host Partner: Barcelona Finance Hub by Aticco 🥈 Silver Sponsor: fonYou 🤝 Partners: abroaden , Barcinno , Hello Operator (formerly Bourbon Creative) , Barcelona Metropolitan , The American Society of Barcelona /post led by Clemens Rychlik with the help of Pau, BCN FinTech's customized LinkedIn Post Maker GPT developed by Hello Operator (formerly Bourbon Creative) #bcnfintech #barcelona #fintech #wealthtech #investment

🚨 Big news for our WealthTech + Networking event next Wednesday! After selling out in record time and coordinating with our amazing hosts at the Barcelona Finance Hub by Aticco (thanks Marina Fernández García ), we’re excited to release a few extra tickets—but these are the final ones. 🎟️ If you’ve been on the waitlist or hesitating, now’s the time! Once they’re gone, that’s it. 👉 Link: https://lnkd.in/dTnNjdnU Don’t miss what’s shaping up to be our biggest gathering yet! 🙌 ----- [ES] 🚨 ¡Gran noticia para nuestro evento de WealthTech + Networking el próximo miércoles! Después de agotar las entradas en tiempo récord y coordinar con nuestros increíbles anfitriones en Barcelona Finance Hub by Aticco (gracias Marina Fernández García ), ¡estamos emocionados de liberar unas pocas entradas extra—pero estas son las últimas. 🎟️ Si estabas en la lista de espera o dudando, ¡este es el momento! Una vez que se agoten, no habrá más. 👉 Link: https://lnkd.in/dTnNjdnU ¡No te pierdas lo que será nuestra mayor reunión hasta la fecha! 🙌 #bcnfintech #barcelona #fintech #WealthTech #Networking #event /post led by Clemens Rychlik with the help of Pau, BCN FinTech's customized LinkedIn Post Maker GPT developed by Hello Operator (formerly Bourbon Creative)

🚀 Barcelona FinTech News Round-Up 🚀 The past month has been action-packed in Barcelona’s fintech ecosystem! Here are the top 5 stories making waves from Oct 25 to Nov 21 2024: 1️⃣ SeQura Secures €410M to Expand Globally Barcelona-based BNPL leader SeQura has raised €410M in funding from Citi , M&G Investments , Svea Bank , and Chenavari Investment Managers to fuel its expansion into the US, UK, and Germany. 🌍 Being profitable since 2017 probably helped secure the round in what is still a rather slow startup investment climate. CFO Markus Jennemyr shared, “This funding allows us to continue to innovate and scale profitably.” And CEO David Bäckström adds: “We are entering a stage of aggressive growth and need this capital to expand our structure and finance our customers with small loans.” [Translated]. SeQura expects to reach €96M in revenue this year—a 54% increase over 2023. A huge win for Barcelona’s e-commerce fintech sector! 💳 2️⃣ Spain Leads EU in Instant Cross-Border Payments Spanish banks are the first in the EU to adopt the European Payment Council’s OCT Inst scheme, enabling instant cross-currency payments. BBVA , CaixaBank , and Santander were key players in the trials. As 🚀 Mario Manzieri points out, this makes "Spain's role in new banking ideas stronger and helps it compete better in the global payments industry." 3️⃣ ID Finance Named 'Most Disruptive Fintech' ID Finance won the prestigious award at the Financial Innovation Awards ( #FIA24 ) for its groundbreaking financial wellbeing app, Plazo . Recognized for its contributions to financial inclusivity and innovation, this accolade further cements Barcelona as a hub for fintech disruption. 🎉👏 4️⃣ Payflow Wins Social & Tech Sustainability Award Payflow (YC S21) has been recognized at the ISS Facility Services España Awards for its impact on workplace sustainability and innovation! 🌱📱 The award celebrates Payflow’s efforts to improve financial wellbeing by giving employees flexible access to their salaries. Payflow's Gregorio Alarcón Bermejo and Pablo Babé Alonso-Cortés share: "We believe in financial wellbeing, which positively impacts individuals and, in turn, companies.” 5️⃣ inbestMe Launches Goal Simulator Roboadvisor inbestMe has introduced a new financial planning tool, the Goal Simulator. Designed to help users visualize their financial futures with Monte Carlo simulations, the tool supports smarter, goal-driven investment strategies. 🧠📊 CEO Jordi Mercader adds, “This empowers our clients to take control of their financial journeys.” These achievements highlight Barcelona’s fintech ecosystem as a driving force in innovation and global impact. Let’s celebrate them together! 🌟 👉 Join us next Wed 27 Nov for our WealthTech event – only 1 ticket left! #bcnfintech #barcelona #fintech #innovation #startups /post led by Clemens Rychlik with the help of Pau, BCN FinTech's customized LinkedIn Post Maker GPT developed by Hello Operator (formerly Bourbon Creative)

🌟 Just 6 tickets left! 🚨 We're one week away from BCN FinTech X Barcinno #017: Wealth Tech: Reinventing Investment, and this event is about to sell out faster than ever before! If you’ve been thinking of joining us, now is your last chance—these final tickets will be gone in no time. Secure yours today before it’s too late! 🗓 Date: Wed 27 Nov at 18:30 📍 Location: Barcelona Finance Hub by Aticco 🎤 We’re covering the exciting world of Wealth Tech—where innovation meets wealth management (B2C/B2B), personal finance, savings, and investments that we all think about for our future. Join us to hear from leading experts: - Joaquim De la Cruz , CEO & Co-founder at Flanks - Ignasi Viladesau, CFA , Chief Investment Officer at MyInvestor - Sabrina G. , CEO at Vesto ✨ Why attend? - Gain valuable insights into the wealth tech world - Network with Barcelona’s fintech community - Enjoy fintech chats over some free snacks & drinks 🎟 Don’t miss out! Grab your ticket now before they’re gone: https://shorturl.at/lz7Vn Big thanks 🙏 to our sponsors: 🥇 Gold Sponsor: DigitalSync.co 🏠 Host Partner: Barcelona Finance Hub by Aticco 🥈 Silver Sponsor: fonYou 🤝 Partners: abroaden , Barcinno , Hello Operator (formerly Bourbon Creative) , Barcelona Metropolitan , The American Society of Barcelona --- [ES] 🌟 ¡Solo quedan 6 entradas! 🚨 Estamos a una semana del BCN FinTech X Barcinno #017: Wealth Tech: Reinventing Investment, y este evento está a punto de agotarse más rápido que nunca. Si has estado pensando en unirte a nosotros, ¡esta es tu última oportunidad! Consigue tu entrada antes de que sea demasiado tarde. 🗓 Fecha: Mié 27 Nov a las 18:30 📍 Ubicación: Barcelona Finance Hub by Aticco , Pg. de Gràcia, 19 🎤 Nos sumergiremos en el mundo apasionante de Wealth Tech, donde la innovación se encuentra con el wealth management (B2B, B2C), las finanzas personales, el ahorro y las inversiones, temas que todos consideramos para nuestro futuro. Escucha a expertos destacados: - Joaquim De la Cruz , CEO & Co-founder at Flanks - Ignasi Viladesau, CFA , Chief Investment Officer at MyInvestor - Sabrina G. , CEO at Vesto ✨ ¿Por qué asistir? - Aprende más sobre la evolución del mundo Wealth Tech - Conecta con la comunidad fintech de Barcelona - Disfruta de charlas sobre fintech con algunos snacks y bebidas gratis 🎟 ¡No te pierdas asegurar tu entrada! Consíguela ahora antes de que se agoten: https://shorturl.at/lz7Vn Gracias 🙏 a nuestros patrocinadores: 🥇 Gold Sponsor: DigitalSync.co 🏠 Host Partner: Barcelona Finance Hub by Aticco 🥈 Silver Sponsor: fonYou 🤝 Partners: abroaden , Barcinno , Hello Operator (formerly Bourbon Creative) , Barcelona Metropolitan , The American Society of Barcelona /post led by Clemens Rychlik with the help of Pau, BCN FinTech's customized LinkedIn Post Maker GPT developed by Hello Operator (formerly Bourbon Creative) #bcnfintech #barcelona #fintech #wealthtech #investment

🌟 Big Speaker Update for BCN FinTech's Next Panel on "WealthTech"! 🌟 We’re excited to introduce our next panelist, Sabrina Guzmán, CEO at Vesto, who will be joining us at our BCN FinTech Afterwork event next week on Wed 27 Nov! 🚀 About Sabrina Guzmán: 🏆 Sabrina G. is an outstanding entrepreneur with over a decade of experience across platform and marketplace business models in the tech and fintech spaces. She is the CEO and Founder of Vesto , an investment app for non-investors with thousands of users. The company aims to be the place where anyone can increase their net worth to achieve financial freedom by making investment a social experience ridiculously easy to use and understand so they can make better decisions. 🏅 Her previous track record includes co-founding TheNTWK (The Network) Ecosystem and playing a critical role at UNIQ , where she has helped shape the direction of disruptive finance and insurance ventures. Her expertise in designing and launching scalable platforms makes her an invaluable addition to our WealthTech panel. 🌍 Sabrina has been a driving force behind innovative projects that span IoT, open banking, and investment marketplaces, bringing impactful financial services to both Western Europe and Latin America. Her journey showcases a unique mix of strategic insight and hands-on product development, giving her a nuanced perspective on creating financial products that resonate across diverse markets. 👩🏫 She is also a recognized thought leader, having spoken at major industry events like the Platform Economy Summit and IoT World Congress, underscoring her authority in platform innovation. We’re thrilled to have Sabrina’s insights on our panel and look forward to an engaging conversation on the future of WealthTech! 👉 Don’t miss out! Secure one of the last few tickets now: https://lnkd.in/dZNEu5qX #BCNFinTech #barcelona #fintech #wealthtech #investment #entrepreneurship /post led by Clemens Rychlik with the help of Pau, BCN FinTech 's customized LinkedIn Post Maker GPT developed by Hello Operator (formerly Bourbon Creative)

🚀 Big news for Barcelona’s fintech scene! SeQura has secured a staggering €410M in funding, combining equity and debt. This milestone will drive their expansion into key international markets—USA, UK, and Germany—and bolster their cutting-edge BNPL solutions for e-commerce. 🌍💳 CEO David Bäckström shared: “We are entering a stage of aggressive growth and need this capital to expand our structure and finance our customers with small loans.” [Translated] SeQura, founded in 2014 and headquartered in Barcelona, specializes in payment solutions for e-commerce. Their flagship product allows consumers to split payments for purchases (think BNPL), making shopping more accessible and flexible. Currently active in Southern Europe (Spain, Italy, Portugal, and France), SeQura aims to expand into three major international markets with this new funding. Remarkably, the company has been profitable since 2017 and expects to reach €96M in revenue this year—a 54% increase over 2023! 📊💡 With around 400 employees today, SeQura does not anticipate exceeding 500 employees in the near future. This aligns with their significant investments in AI and automation, which have streamlined many of their internal processes and operations. 🤖📉 As for the funds, not all of the €410M stems from VC funding; it's a mix of equity and debt, led by Citi and supported by M&G, Chenavari, and Svea Bank. A significant portion of the capital will go toward financing the small loans SeQura provides to customers, which is core to their business. The rest will support aggressive scaling efforts, particularly in international markets, as they aim to become a leader in fragmented payment systems globally. 🌟 Why this matters: 1️⃣ Despite a challenging funding climate, this is proof that Barcelona’s fintechs can thrive and scale globally. 🌐 2️⃣ It’s a testament to the city’s vibrant e-commerce and lending sectors, uniquely positioned to foster success. 🛒📈 3️⃣ This will generate opportunities—jobs, innovation, and a spotlight on Barcelona as a fintech hub. ✨ We applaud SeQura for following the trailblazing paths of companies like Kantox, Payflow, and Unnax. Here's hoping their international ambitions materialize and inspire even more growth in our ecosystem. 🌟 This news also gets us thinking...should BCN FinTech organize a LendTech panel soon? Who would you love to see included alongside SeQura? Let’s discuss! #bcnfintech #barcelona #fintech #ecommerce #BNPL #lendtech #startupgrowth /Post led by Clemens Rychlik with the help of Pau, BCN FinTech 's customized LinkedIn Post Maker GPT developed by Hello Operator (formerly Bourbon Creative)

🎉 BCN FinTech Hits a Major Milestone! 🎉 We are super happy to share a huge achievement with our incredible community. A couple of years ago, we identified 7 European fintech ecosystems with populations similar to ours as benchmarks to measure our growth. At that time, each of these ecosystems had years of a head start and thousands more LinkedIn followers than us. Fast forward to today: We’ve just overtaken the first of these ecosystems in LinkedIn followers! 🚀 What makes this milestone even sweeter is that this ecosystem had a 5-year head start. But thanks to the relentless support and engagement from all of you, we’ve caught up and taken the lead in record time. 🙌 And we’re not stopping here! Two more ecosystems are firmly in our sights, and we’re aiming to surpass them in the coming months. This momentum has also propelled us past our 5,000-follower target for the year, making BCN FinTech the fastest-growing fintech association on LinkedIn—not just in Barcelona, Catalonia, or Spain, but across the entire EU. 🌟 This wouldn’t have been possible without the support of our vibrant community, partners, and friends who share our vision of making Barcelona a major fintech hub in Europe. Here’s to continued growth and innovation, together. 🥂 👉 Want to be part of the journey of helping the local fintech ecosystem thrive? Reach out to Clemens Rychlik on Linkedin to find out more about our sponsorship opportunities for 2025. #bcnfintech #barcelona #fintech #communitygrowth #ecosystem /post led by Clemens Rychlik with the help of Pau, BCN FinTech's customized LinkedIn Post Maker GPT developed by Hello Operator (formerly Bourbon Creative) Creative

⏳ Only 2 weeks left until BCN FinTech X Barcinno #017: Wealth Tech: Reinventing Investment! With 80% of tickets already gone in the first week, this event is set to sell out soon. Don’t miss your chance—only a few regular tickets are left before the final price hike for late-comers! 🗓 Date: Wed 27 Nov at 18:30 📍 Location: Barcelona Finance Hub by Aticco (inside the iconic Barcelona Stock Exchange building) Join us for insightful discussions on the future of WealthTech and network with Barcelona’s vibrant FinTech community. Secure your spot now and be part of this exciting evening with experts from Flanks ( Joaquim De la Cruz ), Vesto ( Sabrina G. ) and MyInvestor ( Ignasi Viladesau, CFA )! 🎟 Get your ticket here: https://lnkd.in/dTnNjdnU Big thanks 🙏 to our sponsors for making this possible: 🥇 Gold Sponsor: DigitalSync.co 🏠 Host Partner: Barcelona Finance Hub by Aticco 🥈 Silver Sponsor: fonYou 🤝 Partners: abroaden , Barcinno , Hello Operator (formerly Bourbon Creative) , Barcelona Metropolitan , The American Society of Barcelona /post led by Clemens Rychlik with the help of Pau, BCN FinTech's customized LinkedIn Post Maker GPT developed by Hello Operator (formerly Bourbon Creative) --- [ES] --- ⏳ ¡Solo quedan 2 semanas para BCN FinTech X Barcinno #017: Wealth Tech: Reinventing Investment! Con el 80% de las entradas vendidas en la primera semana, el evento se agotará en breve. No te pierdas la oportunidad—¡quedan solo algunas entradas regulares antes de que suban los precios finales! 🗓 Fecha: Mié 27 Nov a las 18:30 📍 Ubicación: Barcelona Finance Hub by Aticco, en el emblemático edificio de la Bolsa de Barcelona Únete a nosotros para una tarde de charlas sobre el futuro de WealthTech y conéctate con la vibrante comunidad FinTech de Barcelona. ¡Asegura tu lugar y sé parte de esta emocionante velada con expertos de Flanks ( Joaquim De la Cruz ), Vesto ( Sabrina G. ) y MyInvestor ( Ignasi Viladesau, CFA )! 🎟 Consigue tu entrada aquí: https://lnkd.in/dTnNjdnU Gracias 🙏 a nuestros patrocinadores por hacer esto posible: 🥇 Gold Sponsor: DigitalSync.co 🏠 Host Partner: Barcelona Finance Hub by Aticco 🥈 Silver Sponsor: fonYou 🤝 Partners: abroaden , Barcinno , Hello Operator (formerly Bourbon Creative) , Barcelona Metropolitan , The American Society of Barcelona /post liderado por Clemens Rychlik con la ayuda de Pau, el GPT personalizado para publicaciones de LinkedIn de BCN FinTech desarrollado por Hello Operator (formerly Bourbon Creative) #bcnfintech #barcelona #fintech #wealthtech #inversión

🔥 📢 767 Current job openings in the fintech sector based in Barcelona (per 13 Nov on LinkedIn; +220 compared to our last update): - Revolut (211 roles in most fields; incl. internships & graduate programs) - Factorial (82, Sales, HR, Product, Finance, Marketing, Design, interns) - Dow Jones (52 HR, Product, Data, UX, IT, Research, Sales) - papernest (50 roles, Sales, Data, Marketing, HR, Strategy, Finance, interns) - bsport (29, sales, support, IT, UX writer, HR, billing) - Kantox (20; sales, operations, IT, AML) - SeQura (18 sales, support, product, marketing, risk, IT, Accounting, HR, Legal) - Ukio (14; Legal, CX, Operations, interns) - Keyrock (13 Project Management, Trading, Data, IT) - Yassir (13 product, IT) - Kraken Digital Asset Exchange (13, Product, GM FR, Country Manager DE, Project Management, IT) - MoonPay (12 HR, Project Management, Marketing, IT, Data, Accounting) - HBX Group (12, Sales, Data, Management, IT, CX, Accounting) - Bitpanda (12 roles in fraud, data intern, product, IT, operations) - Amenitiz (12, Sales, CX, HR, Marketing, interns) - PayFit (11; Sales, HR, Marketing, IT, Data, interns) - CoinsPaid (10, Sales, Partnerships, Management, Accounting, Marketing, IT, Legal) - GFT Technologies (10 HR intern, IT) - CloudPay (9 ES payroll, product, implementation, IT) - 3Commas.io (9, CX, Sales, Product, Marketing, Data, IT) - Thunes (8, sales, treasury, revenue compensation) - <LaFinteca> (8, Product, legal, Sales, HR, designer, assistantr) - Stenn (7 marketing, product, IT) - fundcraft (7 in Girona; product, accounting, IT, HR, trainee) @Victor Martin Garcia - Qonto (6 roles in customer care, IT, product) - Flanks (5 Wealth Management Banking Consultant for UK & FR, IT) => shout-out to their CEO & our next panelist Joaquim De la Cruz - PayRetailers (5; sales, IT, designer) - Veriff (5 IT) - Holded (5 Product, IT, tech support) - Bynder (5 marketing, product, data,IT) - Papaya Global (5 sales, implementation, Director of Global Procurement) - Worldline (5, pre-sales, IT) - European Blockchain Convention (4, COO, Content, Part-time accountant) - shout-out to Victoria Gago ➡️ Digital Assets Forum, London ==> List continues in comments 📈 Hiring more (vs last update): Revolut (+159), Kraken (+13), HBX Group & Amenitiz (+12) 👉 Did we overlook someone? Contact Clemens Rychlik . 👉 Looking for support on finding your perfect fintech executive hire or job? Contact Andrew Hancock from DigitalSync.co 👉 Need coworking/office space for your fintech? Contact Nuria Manils from Barcelona Finance Hub by Aticco 👉 Want to connect with fintech professionals in a casual setting? Join our next fintech event around WealthTech on Wed 27 Nov at 18:30 (Link in comments) #barcelona #fintech #bcnfintech #jobs #vaccancies #hr

🌟 Big Speaker Update for BCN FinTech's Next Panel on "WealthTech"! 🌟 We are extremely happy to introduce another awesome panelists, Joaquim De la Cruz , CEO & Co-founder at Flanks , who will join our upcoming BCN FinTech Afterwork event. 🚀 About Joaquim De La Cruz: Joaquim De la Cruz , entrepreneur and accomplished software engineer from the Universitat Politècnica de Catalunya , has over eight years of experience in technology and data, with a focused dedication to wealth management over the last five years. Throughout the past decade, Joaquim has contributed to founding several tech projects, including Flanks, his latest venture launched in 2019. As CEO of Flanks , he leads the company’s aim to modernise and automate the wealth management industry. In May 2024, Joaquim earned a spot on Forbes ' 30 Under 30 list for Europe, being the only Spaniard in the finance category. While leading Flanks, he has helped the company earn recognition from several prestigious awards and top industry players, including LinkedIn 's Top Startups in Spain and Barcelona for September-October 2024, and selection by Google for startups selected for their AI-first program in September 2024. We are honored to have Joaquim share his insights on our panel and can't wait for an engaging discussion on WealthTech! 👉 Don't miss out! Grab one of the last 5 early bird tickets before prices go up: https://lnkd.in/dTnNjdnU Let's welcome Joaquim to BCN FinTech! Your questions for him? Drop them below in the comments 👇 #BCNFinTech #barcelona #fintech #wealth #wealthtech #investment #networking

Metric
Company Name	BCN Fintech	Dimply	Nu Holdings Ltd.	PayFlow
Symbol			NU
MSH ID	ORG:BCNFINTECH	AI:DIMPLY	BR:COM:NUBANK	CO:PAYFLOW
Market	PRIVATE	PRIVATE	STOCKS	PRIVATE
Sector	Commercial & Professional Services	Technology	Financial Services	Commercial & Professional Services
Industry	Financial Services	Financial Technology	Banks - Diversified	Business Consulting
Country	ES	IE	BR	US
Stage	Equity Crowdfunding			Venture Round
Employee Count			5.40K
Website	bcnfintech.org	dimply.ai	nubank.com.br	payflow.co
LinkedIn	bcn-fintech		nubank	transactflow
Founders

Metric
Market Cap		63.16B
Enterprise Value
Monthly Web Traffic	55		37.90K
Web Traffic Growth			0.04
Valuation
Raised Capital	749.90K		6.51M

Metric
Revenue			7.01B
Revenue (LTM)
Revenue (NTM)
Gross Profit			4.70B
EBITDA			1.60B
Operating Income			1.54B
Net Income			1.03B
EPS			0.22
Diluted EPS			0.21
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin			0.68
Operating Profit Margin			0.32
EBITDA Margin			0.23
Net Profit Margin			0.18
Return on Equity			0.24
Return on Assets			0.03
Return on Capital Employed			0.05

BCNF

ORG:BCNFINTECH

BCN Fintech

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio			118.35
P/B Ratio			7.48
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio			9.33
EV Multiple			35.20

Metric
Days Sales Outstanding			925.61
Days Payables Outstanding			2.54K
Days Inventory Outstanding
Operating Cycle			866.23
Cash Conversion Cycle			866.23
Asset Turnover			0.19

Metric
Operating Cash Flow			8.69B
Free Cash Flow			8.51B
Cash Flow to Debt			4.66
Operating Cash Flow/Sales			0.80
Free Cash Flow Yield			-0.03

Metric
Cash & Equivalents			5.92B
Accounts Receivable			-9.01B
Inventory
Goodwill			397.54M
Debt to Capitalization			0.25
Debt to Assets			0.03
Current Ratio			3.80
Quick Ratio			187.46

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue			0.05
R&D to Revenue
SG&A to Revenue			0.26