NUDA — One link. Infinite finance.
NUDA is the pan-European infrastructure layer for embedded finance. A single API connection to banks, insurers, and distributors across Europe — powering AI-driven retail financial services at scale.
The Problem
European financial services suffer from fragmented national markets running on incompatible legacy systems, costly redundant integrations repeated per country and provider, regulatory compliance rebuilt from scratch in every new jurisdiction, disconnected data silos that block meaningful personalization, and paper-heavy distribution with slow manual onboarding.
The Solution — NUDA Product Stack
- Clean Bank Data — PSD2/PSD3 multi-bank aggregation and normalization
- Unified Client Record — single view across banks, insurance, and investments
- Market & Regulatory Data — real-time compliance and market feeds
- AI & Insights — predictive scoring, personalization, and financial health analytics
- Client Engagement — automated communication and lifecycle management
- Digital Product Fulfillment — end-to-end digital onboarding and product distribution
- Modular Banking Infrastructure — composable API layer for partners
Defensibility
Direct pipelines to banks, insurers, and distributors across Europe. Built-in regulatory compliance covering PSD2/PSD3 and AI Act. Proprietary data powering AI scoring, personalization, and predictive analytics.
Team
Venture Board: Jiří Paták, Tomáš Koníček, Josef Novotný. Partners: ONE BOND, EFPA, CreaSoft, EMA AI, SISU Investment.
Valuation
Targeting EUR 100M+ exit within 3–7 years. Strategic buyers: SaaS giants, global financial groups, payment providers, fintech players. Alternative path: IPO at European scale.
Contact: Get in touch