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UK FinTech firm Gemba has been named in the 2026 Sifted 100: UK & Ireland Leaderboard, an index backed by the Financial Times that ranks the region's fastest-growing startups based on audited revenue growth across three consecutive financial years.
The London-based company is a provider of white-label banking infrastructure, enabling technology firms and non-financial businesses to deploy branded payment accounts and cross-border financial services without direct regulatory engagement. Gemba positions its offering around what it calls "invisible banking," a model in which the end user interacts solely with a software provider's interface while Gemba's regulated infrastructure processes transactions in the background.
The Sifted 100 selection is determined on the basis of compound annual revenue growth rather than user acquisition figures, reflecting a shift in how the European FinTech sector is being evaluated by investors and analysts alike. The 2026 cohort is drawn from companies that have demonstrated sustained, monetised growth through what has been a volatile macroeconomic period.
Central to Gemba's proposition is its deployment speed. The company states that technology firms can launch fully operational, white-labelled banking infrastructure in under seven minutes via enterprise cloud marketplaces. This compares with what Gemba describes as a historical integration timeline of between 12 and 18 months, covering software development, security auditing and partner negotiations.
The platform abstracts regulatory compliance, anti-money laundering monitoring and core banking technology, allowing clients to offer branded financial services to their own customers without holding their own banking licences or building proprietary financial infrastructure.
Gemba's inclusion in the leaderboard comes as the European FinTech sector undergoes a structural shift away from consumer-facing neobanks competing for primary retail account status, towards infrastructure-layer providers serving the broader digital economy. Capital efficiency and sustainable revenue generation have become the dominant metrics by which growth-stage companies are being judged.
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