Change How Europe Experiences Money

Europe's Financial Wellbeing pioneers meet here. HoFT Berlin is the Financial Wellbeing Ecosystem for Europe. Whether you're building it, funding it, or enabling it - this is where you find the data, innovation partnerships and community to succeed.

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PREMIUM MEMBERS

METHODOLOGY

FINANCIAL WELLBEING IS

when people control their finances, absorb shocks, achieve goals, and have freedom to make choices. It's not a feature. It's the outcome that defines modern financial services.

Control

Do I have my current expenses under control?

Security

Can I handle unexpected financial shocks?

Freedom

Can I afford the things that matter to me?

Planning

Am I well-positioned for the future?

Measure Your Financial Wellbeing

Our services

How we impact financial wellbeing.

MEMBERSHIP REQUIRED

Member services

The core ecosystem. Three edges that widen your advantage the deeper you go.

Benchmarks & Intelligence
Access to Innovation
Agenda Authority

Tier-based pricing

FLEXIBLE & PERMANENT PLANS

Campus access

Berlin's fintech-exclusive campus. Application-based entry.

Workspace
FinWell Showroom & Sandbox
Event Hosting

Workspace from €350/month

Public

Community services

Summits, research and the conversation shaping Financial Wellbeing in Europe.

Community Events
Reports
Conversation Shaping Financial Wellbeing

Events are ticketed

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Who's Shaping Financial Wellbeing

Startups & Scale-ups

The banks that will buy your product are already in the ecosystem. HoFT turns an early-stage pitch into a trust-backed conversation because the decision-maker across the table already knows and trusts the ecosystem. For scale-ups: distribution and growth alone don't build institutional credibility. Scientific evidence, regulatory proximity and market positioning do.

Banks & Financial Institutions

The fintechs redefining your customer experience are in the room. HoFT gives you proprietary research data and benchmarks that no Bloomberg terminal replicates, curated access to the companies challenging your customer base and a platform to shape the debate that will define your industry for the next five years.

Insurance Companies

Financial stress is the strongest leading indicator for the risk events that cost insurers the most. HoFT gives insurers research access, innovation partners and a positioning platform to integrate Financial Wellbeing into the value chain. Behavioural research from the HoFT network provides the evidence base to recalibrate product development and pricing.

VC & Investors

Deal flow is noise. Ecosystem context is signal. At HoFT you don't just see founders. You understand which problems banks actually want solved, which regulatory tailwinds are building and which solutions are already being tested in the market before any of it lands in a pitch deck.

Consulting & Advisory

Your clients hire you for the room you're in. Advisory mandates follow positioning advantages. HoFT is where Financial Wellbeing is being defined as a strategic field. Firms that are at the table don't describe transformation. They shape it. Proprietary consumer and business benchmarks that no other consultancy has access to.

Tech Platforms

Infrastructure wins through embedding, not features. The standards an industry commits to determine which technology becomes indispensable. At HoFT your data architecture and interfaces are built against the metrics the market is committing to. No retrofitting, no incompatibility.

Universities & Government

Research that doesn't reach practice doesn't change anything. HoFT is the translation layer between scientific evidence and market implementation. Your findings are implemented by banks, startups and investors. Standards developed in dialogue with the market are easier to enforce than standards that come after.

Europe's Financial Wellbeing Ecosystem

Latest Research

Capital Flow & Subcluster Analysis

Upcoming Events

London Meets Berlin: Fintech Networking Evening 🇬🇧🇩🇪

On April 20, HoFT brings 10 UK-ready Berlin fintechs to London for focused conversations with investors, banking leaders, and ecosystem partners.

Employee Financial Wellbeing Workshop

On April 29, HoFT members turn Germany's new Financial Health Index into actionable benchmarks and practical interventions for their workforce. Members only.

Finwell Summit 2026

FinWell Summit returns on 2 December 2026! Get ready for fresh formats, practical solutions, and actionable insights for your company. Mark your calendar.

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