Five Degrees
“Can a cloud-native, modular core banking platform become the infrastructure layer of choice for mid-market European banks and fintechs seeking digital transformation without the complexity of building in-house?”
Five Degrees is a Dutch cloud-native core banking technology provider that sells modular banking infrastructure (accounts, lending, payments, integration/orchestration) to mid-sized and larger banks and fintechs across Europe. Its °neo platform serves as the SaaS core banking layer, integrating best-in-class fintech partners — including Salt Edge for open banking and Fourthline for KYC/AML — to deliver end-to-end digital banking capabilities without requiring clients to build from scratch. The company partners with established banks such as TD Bank, Argenta, Brand New Day, and KNAB.