Shaping the Future of FinTech Through Innovation
The financial world is evolving faster than ever — and Riverty is evolving with it.Through AI-driven automation, responsible Buy Now, Pay Later (BNPL) services, and partnerships with LEGO, PayPal, and ASOS, we are helping shape the future of payments and financial services. Our solutions combine technology, data, and deep customer understanding to make everyday finances easier for people.
Whether it’s providing flexible payment options, helping someone regain financial stability, or supporting businesses behind the scenes — the work you do here matters and impacts people every single day.
With a long history and a strong drive for innovation, Riverty combines stability with forward momentum. For us, technology is about strengthening our capabilities — helping people work smarter, create meaningful impact, and shape what comes next. With origins dating back to the 1960s, Riverty brings together decades of financial expertise with a future-focused mindset.
We’ve grown from reliable foundations into a fintech company shaping the future of payments. At Riverty, we believe technology should empower people — enabling them to innovate, to grow, and to contribute to a better financial experience for everyone.
Joshua,
Senior Organizational Development Expert
“AI is like a superpower, but only if you learn how to use it. At Riverty, we help people unlock this power responsibly, so they can make smarter decisions, act faster, and stay deeply human while doing it. After all, AI starts with humans and ends with humans.”
Innovation That Starts with People
At Riverty, technology and people move forward together. Every idea, every line of code, and every new feature starts with one question: How can we make financial life easier for someone?
Take Anna, a Senior Product Growth Expert in Berlin. After starting in Innovation & Venture Development and later moving into Product Growth, she’s been building bridges between teams, testing new ideas, exploring data, and discovering how AI and automation can create real value for merchants and consumers. Because at Riverty, innovation isn’t just about technology — it’s about people who turn ideas into impact.
Anna,
Senior Product Growth Expert
“Artificial intelligence is, of course, a major trend. But beyond the buzz, what inspires me is the power of data. Payment data holds immense potential. When we connect the dots in smart ways, we can unlock efficiency and create entirely new product opportunities. At Riverty, we have the chance to shape this future, creating impact not only for our business but also for the merchants and partners we support.”
The Impact of Riverty in Daily Life
Every day, millions of people and merchants across Europe use Riverty — often without noticing it. Our products make payments effortless, whether someone is buying public transport tickets, shopping online, or managing their finances through our Back in Flow service.
Behind these products lies a powerful network that processes more than a billion transactions each year, supporting over 25 million consumers and thousands of merchants — including partners such as PayPal, LEGO, Sixt, ASOS, and BVG.
What appears seamless on the surface is powered by cutting-edge technology, strong collaboration, and smart ideas built together.
How We Build: At Riverty, innovation begins with people
Our Tech Hubs in Berlin, Tallinn, Oslo, and Stockholm bring together engineers, product specialists, and analysts who design, test, and refine our digital payment solutions.
Our tech stack provides space to explore and grow — spanning data analytics, AI-driven automation, and scalable cloud-native, event-driven architectures. We stay flexible and choose the technologies that best fit each challenge, enabling our teams to build meaningful fintech products.
But what sets us apart is how we work. Teams take ownership of what they build, and decisions are made collaboratively through OKRs and Quarterly Business Reviews, aligned with Riverty’s broader strategy. New ideas are encouraged, tested, and developed together — turning experimentation into real progress.
Pankaj,
Senior Software Engineer
“We are very open to use any technology stack based on the needs.”
Responsible Innovation That Builds Trust
At Riverty, innovation and responsibility go hand in hand.
Our Buy Now, Pay Later (BNPL) solutions show how technology can make finance fairer and smarter. With AI-driven risk management and real-time data, we help people stay in control of their payments while enabling businesses to manage risk responsibly. Transparency, flexibility, and human support are built into every step.
Because trust matters, privacy and data security are at the core of everything we do. We collect only the data necessary for responsible lending — protected by encryption, secure storage, and full GDPR compliance. At Riverty, responsibility and trust aren’t add-ons; they’re built into every product and transaction.
FinTech 2040 – A Look Ahead
The fintech innovation trends shaping 2025 already point to a future where AI, automation, and personalised data redefine how people pay, plan, and thrive. At Riverty, we’re part of that shift. Our FinTech 2040 paper explores what comes next: sustainable finance ecosystems, digital payment platforms built on understanding, and products that give people more control over their money.
And this future isn’t distant. At Riverty, it’s already taking shape — one product, one line of code, one idea at a time.
Read FinTech 2040 reportWhy It Matters for You
Joining Riverty means becoming part of a company where innovation never stands still. Whether you’re a developer, designer, or data expert, your ideas can directly shape products that make finance fairer, smarter, and more human.
Here, curiosity fuels progress — driving change across teams, markets, and technologies.Innovation at Riverty is powered by people: by those who are curious enough to explore, bold enough to experiment, and committed enough to shape what comes next. Together, we’re building the future of finance — one that creates real impact for millions.
Do we tick your boxes?
While you’re at it, we’d be happy to see you join us on LinkedIn. It’s a simple way to stay connected and in the loop.
And hey, if change is on your mind,
scroll through the roles we’re hiring for.
Could be something just right waiting for you.
Opportunities to Learn and Grow – Building Your Story at Riverty
“I want to grow, learn, and evolve.” Stories from colleagues who have shaped their careers at Riverty show that growth isn’t just about promotions. It’s about developing new skills, taking on new challenges, and defining your own version of success. At Riverty, career development means more than advancing in title. It’s built on learning, trust, and curiosity. We believe people grow when they are supported, encouraged, and given the freedom to explore new paths.
A Culture of Care – Friendliness, Inclusion, and Wellbeing at Riverty
Walk into any Riverty office and you’ll notice it: leads and employees sharing ideas side by side, colleagues learning about unconscious bias and inclusive leadership, teams starting the day with energizers and genuine connection. It’s what many people hope to find in a company — a place where they feel welcome, respected, and supported as individuals. At Riverty, care isn’t just a word; it’s part of everyday life. Practical, inclusive, and woven into how we work — from open communication to health and wellbeing programs, from inclusive policies to team-building activities. We believe a company thrives when people feel respected, connected, and supported.
Shaping the Future of FinTech Through Innovation
The financial world is evolving faster than ever — and Riverty is evolving with it.Through AI-driven automation, responsible Buy Now, Pay Later (BNPL) services, and partnerships with LEGO, PayPal, and ASOS, we are helping shape the future of payments and financial services. Our solutions combine technology, data, and deep customer understanding to make everyday finances easier for people. Whether it’s providing flexible payment options, helping someone regain financial stability, or supporting businesses behind the scenes — the work you do here matters and impacts people every single day.