Finomnia is an international financial software company that offers comprehensive technology platforms for the digital transformation of banks, credit institutions, and fintech operators.
Q: In early 2026, Gruppo Fibonacci consolidated its position under the brand Finomnia. What reasons led to this decision, and how have its operations been affected since then?
A: Our majority investor, Apax funds, initiated a strategic investment cycle in 2023 focused on specialized software for financial institutions. After carving out the dedicated banking software division from Lutech and acquiring complementary companies across the entire lending value chain – spanning from consumer finance to corporate leasing, factoring, and non-performing loan recovery – in January 2026 the companies that made up the Group (OCS, Finwave, Quid, altermAInd and Alvantia) were consolidated under Finomnia brand. This allowed us to unify our operations, reinforce our presence as a premier EU software provider, and establish a cohesive identity to accelerate our expansion across the European Union and the Americas.
Q: What is Finomnia’s position in the global financial software ecosystem?
A: Finomnia operates through four core business units alongside a specialized AI joint venture, altermAInd, established with the Italian digital bank illimity. In consumer finance and factoring, we hold an undisputed leadership position in Italy, powering more than 60% of total consumer credit turnover while serving the nation’s premier financial institutions. Our corporate lending and mortgage business unit features a cloud-native platform adopted by two of the largest banking groups in the European Union, serving as a primary driver for international scaling. Meanwhile, our leasing division ranks second in the Italian market with modern architecture already deployed across international markets, including the Netherlands and Romania.
Our banking and regulatory technology division provides core solutions for non-performing loan operators alongside specialized compliance reporting tools. Across our entire portfolio, we generate €200 million (US$230 million) in revenue, establishing Finomnia as one of the largest financial software providers in the European Union.
Q: Finomnia has identified Latin America as a priority for expansion. Why did the company choose to prioritize this region?
A: Prioritizing Latin America is both a natural evolution and a strategic imperative. Through the acquisition of Alvantia, we inherited an established operational bridge, shared language capabilities, and strong alignment with major Spanish banking groups operating across the region. Furthermore, economies like Mexico present immense market scale, with a Gross Domestic Product (GDP) approaching that of major EU nations. Unlike the European Union, which is a mature substitution market burdened by dense regulatory frameworks, Latin America offers dynamic greenfield expansion. Rapidly growing financial institutions in Mexico require scalable, enterprise-grade platforms to navigate their next stage of development, making the region exceptionally receptive to core technology modernization.
Q: Finomnia marks itself under the slogan “Moving Finance Forward.” How is this philosophy put into practice in the company’s day-to-day operations?
A: We operate this strategy by committing about €20 million annually to R&D, co-innovating with tier-one banking clients and driving technological advancement. Our innovation framework centers on two core pillars powered by AI. Product-wise, we are building a dedicated layer of AI agents directly on top of our existing software suite, offering clients an immediate path to AI-enabled capability. Internally, we are transforming our entire software development lifecycle by integrating AI across business requirements analysis, functional design, technical specifications, coding, testing, and application management.
Q: AI and cloud are at the heart of your offering. In what specific use cases did your AI engine deliver measurable results for financial institutions?
A: Although our AI-enabled product suite is in active development, we are already deploying impactful co-development projects with key banking partners. For example, we are installing an AI agent layer for a major EU financial institution to automate manual back-office tasks within personal loan underwriting and management, generating significant operational efficiencies. Furthermore, we are integrating conversational AI assistants across our software suite to enable natural language navigation for system documentation, training, and database queries.
To address regulatory complexity, we have also engineered governance software that monitors compliance with the European Union AI Act, while providing financial operations tools to track and optimize generative AI compute costs.
Q: How do you integrate your end-to-end platform into a bank that already has legacy systems without disrupting its operations?
A: Because our vertical platforms handle up to 80% of specific core operations, institutions frequently deploy our software as a complete replacement for legacy engines. However, when integrating into complex banking environments alongside existing legacy infrastructure, we deploy microservices architecture and standard Application Programming Interfaces (APIs) to ensure seamless interoperability without operational disruption. Pushing integration capabilities further, we have engineered an advanced connection layer utilizing the Model Context Protocol (MCP). This approach allows our client-developed AI agents and Large Language Models (LLMs) to communicate directly with our core applications, enabling modern autonomous agents to execute complex workflows safely.
Q: In the first half of 2026, Mexico surpassed Brazil in fintech investment for the first time in a decade. As an infrastructure provider, is that wave of capital translating into greater demand for specialized software for you?
A: This surge in capital investment is driving direct demand across two distinct market segments in Mexico. First, agile fintech attackers entering the market require flexible core software built without legacy technical debt. Our modular platform allows these emerging players to deploy quickly and scale efficiently. Second, established traditional financial institutions are reallocating significant portions of their change budgets away from legacy IT maintenance toward high-impact AI initiatives.
Q: Industry executives say that “the era of growth at any cost is over” — now the metric is profitability, not users. When a fintech makes that transition, what needs to change technologically, and where does Finomnia come in?
A: When shifting focus from rapid user acquisition to sustainable profitability, financial institutions must align technology expenditures directly with quantifiable Profit and Loss (P&L) impact. CEOs and CFOs no longer support technology investments purely for modernization; every initiative must demonstrate clear top-line expansion or operational cost reduction. Technologically, this requires prioritizing core business systems over non-essential administrative platforms. Technology decisions must undergo rigorous financial evaluation, favoring solutions that streamline back-office workflows and deliver immediate, measurable returns.
Finomnia is natively positioned for this efficiency-driven environment because our software directly powers core banking functions rather than internal support operations. Our suite manages the full credit lifecycle, including automated underwriting, loan administration, debt collection, and non-performing loan management. By enhancing risk decisioning, we directly improve portfolio margins, while our automated back-office workflows dramatically reduce operational costs per loan.
Q: What recommendations would you give to leaders on how to prepare their employees in this rapidly changing era?
A: Executives must dismantle technological silos and foster an organizational culture centered on continuous learning. Rather than allowing software engineers to remain in static comfort zones with legacy systems, leaders should establish rotational talent pools where developers apply their skills across diverse technologies and projects. This cultural shift must be backed by tangible corporate investments in professional development and modern tools, including enterprise AI licenses.
Q: What is the specific roadmap for the next 18 months in terms of product development and regional launches?
A: Over the next 18 months, our product roadmap focuses on the “agentification” of our core lending applications, embedding autonomous AI layers into our existing software suite rather than expanding into unrelated domain areas. Operationally, we aim to achieve a 15% efficiency improvement across our software development processes by fully embedding AI tools across our engineering lifecycle. Geographically, our priority is expanding our revenue footprint beyond Italy by accelerating growth across the European Union and Latin America, with a major focus on Mexico.
