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Driving Financial Innovation with Global Expertise

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Strands is a fintech company part of the CRIF Group, with almost 20 years of experience in digital banking and financial management solutions. Leveraging Open Finance, machine learning, and AI, we help financial institutions drive customer engagement through hyper-personalized experiences.

+300K

user interaction

+32%

year‑on‑year growth in active users

78%

penetration among SME customers

20 years in a timeline

2025

A complete data driven framework – defined in cooperation with CRIF – to provide financial health coaching is embedded in Strands AI Finance Suite.

2024

Strands goes cloud together with AWS for offering SaaS solutions in Europe, LATAM and US.

2023

Strands launches the new AI finance suite embedding new capabilities for behavioral spending analysis and data enrichment.

2021

Strands launches through CRIF Spa in Italy the full financial manager suite for retail and for SME in SAAS.

2020

CRIF acquires Strands in a move to expand the platform to Open banking and Open finance.

2019

Strands launches Engager to turn PFM and BFM data into personalized insights and recommendations, helping banks proactively engage customers.

2018

Strands partners with Mastercard to deliver cash flow solutions for SMEs.

2017

Strands settles in North America with Huntington bank being the first personalized PFM and BFM in the region.

2015

Strands launches its first BFM and starts to expand in LATAM and Asia.

2014

Deutsche Bank launches FinanzPlaner, the fastest and most agile PFM roll-out in Europe.

2012

Barclays becomes the largest PFM deployment in Europe with over 9M customers.

2011

Apple acquires Strands patent in music recommendation algorithms.

2008

Strands applies behavior-based recommenders, partners with BBVA, and delivers its first PFM in Europe.

2004

Strands foundation between Corvallis (Oregon, US) and Barcelona to commercialize personalization in music systems.

Our Key Differentiators

  • Expert and strategic guidance to shape digital banking transformation strategies that maximize business impact.

  • Dedicated specialists guiding every stage of integration and project delivery in 8 different geographic areas around the world.

  • Turning financial data into meaningful and business-driven value through advanced analytics and scalable SaaS solutions.

Who we've worked with

Strands' recipe