PawaPay is a pan-African fintech enabling local payment channels used by the mass market to both local and international merchants. We operate in a highly regulated, partner-driven environment and are in scale-up mode, with ambitious growth plans across multiple African markets.

Our vision is to simplify business for companies and consumers in Africa and we do that by ensuring that payments simply work, at scale, despite fragmentation and complexity that exists on the Continent.

Through our payments API we already facilitate over 4 million transactions a day across 20 countries in Sub-Saharan Africa. We are the largest PSP on the Continent for the processing of mobile money payments, and have positioned ourselves well to lead the payment space as it grows over the next decade.

Lancé en 2019, la Cellule Innovation est un startup studio initié par Groupama Rhône-Alpes Auvergne (assureur mutualiste) pour construire les solutions de demain.

Concrètement, nous permettons chaque année le lancement de 2 projets d'intrapreneuriat en réponse aux enjeux de mobilités, d'alimentation, de santé, de changements climatiques, etc...

Aujourd'hui ce sont déjà plus de 6 startups qui ont vu le jour et d'autres toujours à l'étape de création. C'est par exemple Fredo (flotte de vélo sans infrastructure physique), exo.expert (accompagner une agriculture raisonnée), Cognidia, Les Editions Optimist, etc...

RiverBank est une banque commerciale dédiée aux PME européennes, offrant des solutions de financement sur mesure et des dépôts à terme compétitifs. Rapide, flexible et orientée relation client, la banque accompagne les entreprises et investisseurs immobiliers à partir de 1 M€ grâce à une expertise pointue et un processus décisionnel clair.

Présente au Luxembourg, en France, aux Pays-Bas et en Espagne, RiverBank évolue dans un environnement entrepreneurial où l’impact individuel compte vraiment.

Money without borders

Novabook is the “Accountant for Startups”. Our team previously founded, scaled and sold a technology company for $50M. We started Novabook to solve the problems we faced during this process. Our aim is to make the financial processes of starting, running and selling a business in the UK easier.

After launching in May 2024, we already have 900+ clients, £3M ARR and are growing quickly, this is an opportunity to join the ride at an early stage. In December 2025 we raised a £7.5M seed funding round to continue our growth.

Software that accounting firms currently run on is extremely outdated & disjointed. This results in a lot of manual work which is costly and error prone. We are building a suite of integrated products to automate 90% of the workflow within accounting firms. We are rapidly scaling our engineering team to facilitate this build out across workflow, payments, open banking, payroll & automated bookkeeping domains

Homaio est une plateforme d'investissement qui permet aux investisseurs privés d'accéder aux marchés structurant la transition énergétique et la décarbonation industrielle.

Homaio est notamment la première plateforme à rendre accessible le marché des quotas d'émission européens. Les quotas d'émissions sont le bras armé de la politique climatique et énergétique de l'Europe. C'est un marché de 800 Mds€ qui a entraîné une baisse rapide et massive des émissions tout en offrant un rendement annuel moyen de 25% depuis 10 ans.

Homaio conçoit, structure, et distribue des produits financiers uniques, ayant à la fois de forts potentiels de rendement et un impact réel sur la décarbonation industrielle et la transition énergétique.

CAiDENN is architecting the world's first Financial Processing Unit (FPU). We are dismantling the $100B legacy ERP market by replacing static "User Seats" with deterministic, zero-error agentic engines.

Born out of the need for institutional-grade precision, CAiDENN manages billions in transaction volume for global leaders like SS&C. We aren't just another "AI Wrapper"; we are a high-fidelity infrastructure layer where probabilistic AI meets the uncompromising math of a .NET 10 hardened core.

We are currently recruiting our "Elite 3"—a founding squad of veteran architects and high-signal unicorns. We move at 10x speed using AI-native multipliers (Claude Code, Lovable, Cursor) to out-produce legacy firms. At CAiDENN, we don't build software to help people work; we build engines that own the outcome.

To be the leading global platform that seamlessly connects people to personalised financial and wellbeing support, empowering them to improve their financial health and thrive.

11:FS is on a mission to change the fabric of financial services. Our Ventures practice builds challenger propositions globally, like we did for NatWest with Mettle. Our Pulse team creates a benchmarking tool used by the likes of Monzo, Starling, NatWest and Tesco Bank. On top of all of that, we’re a media company, our Growth team generate a stream of content that supports our brand and changes the conversation - not necessarily in that order.

We truly live our values at 11:FS, and they are critical to your entire journey here. ‘Cultural Add’ is as, if not more, important as pure technical fit, and as part of your interview process we’ll deep dive into our values and your beliefs. Everyone at 11:FS fits our 4 core values: Team, Attitude, Communication and Impact, and this remains at the core of our growth.