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. FinWell Summit 2026 brings 250+ leaders from finance, fintech, employers and regulation together in Berlin on 2 December. One day, practical ideas, 6 deep-dive masterclasses, and the FinWell Wealth Award celebrating the people and solutions driving a financially healthier economy. Better financial outcomes. By design.

To the summit agenda €250 early bird · until 12 Oct

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

Explore Our Services

Who's Shaping Financial Wellbeing

Startups & Scale-ups

The banks that will buy your product are already in our ecosystem. HoFT turns your 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 your 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.

Research Institutions

Universities and research partners working with HoFT on the measurement and development of the Financial Wellbeing Score and the Financial Wellbeing Chatbot. The bridge between academic evidence and market implementation.

Public Sector

Regulation that arrives after the market has moved is regulation that gets worked around. HoFT is where supervisors, ministries and regulators test policy against the firms building the products before standards are set. Evidence, industry dialogue and benchmarks that make enforcement easier because the market helped shape what's being enforced.

Europe's Financial Wellbeing Ecosystem

Latest Research

Upcoming Events

HoFT on Tour | RegCircle: PSD3 & PSR | 6 November 2026

A focused 90-minute session with Luther’s regulatory experts on the latest PSD3 and PSR developments and what they mean for fintechs, banks and payment institutions. Join us in Berlin or online.

Finwell Summit 2026 | 2 December

Germany’s Financial Wellbeing Score stands at 53/100. 250+ decision-makers from finance, fintech, employers and regulation meet at Backfabrik Berlin to discuss how to move that number through AI, better advice, behavioural design, retirement and regulation.