Sparq is a Fintech start-up established in Estonia in 2019. Core idea of Sparq is to offer its clients Personal Financial Platform for the everyday use in order to make the financial life faster, cheaper and more convenient. Sparq’s target audience mainly consists of millennials and gen z (age 18-30) located in EU. Origin market is Baltic countries and after business model validation in homeland, Sparq is planning to cover EU market.
Below is a list of services Sparq is expecting to launch in MVP version of the product:
● Mobile App with advanced UI/UX and gamification processes;
● Current Account with SEPA payments;
● Personal Finance Assistant;
● Subscription and recurring payment management;
● Payment Cards (both physical and virtual);
● Loyalty Programme.
Sparq possesses the following technologies:
● Mobile Application for iOS (Front-end);
● Back-end (Finmatic which covers all necessary functionality to operate with current account management and etc.);
o Persona...
Sparq is a Fintech start-up established in Estonia in 2019. Core idea of Sparq is to offer its clients Personal Financial Platform for the everyday use in order to make the financial life faster, cheaper and more convenient. Sparq’s target audience mainly consists of millennials and gen z (age 18-30) located in EU. Origin market is Baltic countries and after business model validation in homeland, Sparq is planning to cover EU market.
Below is a list of services Sparq is expecting to launch in MVP version of the product:
● Mobile App with advanced UI/UX and gamification processes;
● Current Account with SEPA payments;
● Personal Finance Assistant;
● Subscription and recurring payment management;
● Payment Cards (both physical and virtual);
● Loyalty Programme.
Sparq possesses the following technologies:
● Mobile Application for iOS (Front-end);
● Back-end (Finmatic which covers all necessary functionality to operate with current account management and etc.);
o Personal Finance Assistant;
o Gamification and in-game currency;
o Loyalty programme.
At this moment, Sparq does not possess any financial licence, therefore the process of client onboarding, current account opening and card issuance will be implemented by a partner.

Vision:
To combine together banking sector, fintech market and retail companies to bring a seamless experience for Millennials and Gen Z by providing free payments within EU, Loyalty system and modern fintech solutions.
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