Winner Spotlight: Taktile
AI Decision Platform
Behind every great financial product is a decision engine you never see.
Taktile powers smarter, faster risk decisions for some of the world’s most advanced banks and fintechs, helping them move quickly without compromising control. Through The Money Awards, we’re proud to showcase and share this winning work with a global audience.
Success Story
Taktile is an AI-powered risk decisioning platform that enables banks, fintechs and lenders to make better, faster decisions at scale. From KYC and KYB through credit underwriting, transaction fraud and even debt collection, Taktile’s software runs across the full customer value chain.
In 2025, Taktile reached a pivotal milestone: the world’s most sophisticated fintechs including Nubank, Mercury and Monzo chose to buy Taktile’s decisioning technology rather than build it in-house. This marked a clear validation of Taktile’s platform, proving that even elite engineering and risk teams trust Taktile to power their most critical decisions.
The Challenge
Risk decisioning sits at the heart of every financial institution and it is one of the most complex, sensitive and regulated parts of the stack. Historically, leading fintechs and banks believed this capability had to be built internally, fearing that third-party tools could never match their bespoke systems or meet their standards for speed, accuracy and control.
For Taktile, the challenge wasn’t just competing with vendors, it was competing with in-house engineering teams who assumed they could build better themselves. Convincing the most advanced risk and engineering teams to replace internal systems required a platform that could outperform custom-built solutions, earn deep trust and prove its value in real-world decisioning environments.
The Impact
Taktile addressed this challenge by focusing relentlessly on one core capability: best-in-class decisioning. Rather than trying to own every layer of the stack, the company built a platform designed to slot seamlessly into existing ecosystems while delivering unmatched performance in risk decisions.
Equally critical was Taktile’s white-glove approach to customer success. Banks and fintechs are effectively placing their “heart”, their risk logic onto Taktile’s platform. To earn that trust, Taktile invested heavily in forward-deployed engineers, solution specialists and deep partnership models that ensure customers extract maximum value from day one. As a result, customers consistently describe Taktile not as a vendor, but as a true partner embedded within their teams.
The Results
- Leading global fintechs including Nubank, Mercury and Monzo adopted Taktile’s platform instead of building internally
- Taktile secured $55M in Series B funding, reflecting strong market confidence
- Top Tier 1 banks and insurance companies now run core decisioning processes on Taktile
- The company established itself as a category leader by outperforming both competitors and in-house systems in live “horse race” evaluations
- Recognition at Money20/20 marked 2025 as a breakout year and turning point for the business
What's next?
With 2025 proving that even the most advanced fintechs will buy rather than build, Taktile’s focus now shifts upmarket. In 2026, the company plans to deepen its presence within large global enterprises while deploying AI agents directly into credit and compliance workflows. As AI reshapes risk and regulation, Taktile is positioned at the centre, powering the next generation of intelligent decisioning across financial services.
This year was the breakthrough for us, leading fintechs like Nubank, Mercury, and Monzo started buying our software. We thought this was special and we need to tell the jurors about it. It looked like they were convinced that this was a turning year for us as a company.
Maik Taro Wehmeyer
Co-Founder & CEO
Taktile