The rapid growth within FinTech will be driven by super apps – a topic that will be extensively covered at the third edition of Money Motion.
One app – for almost all our daily needs. From transferring money and ordering food or taxi to planning theater visits or trips. Every third person in the world already uses them. These are super apps that have taken over Asian markets, and their time is just beginning in Europe.
Twenty. That’s the average number of apps a user interacts with in a single week. So, it’s no surprise that in a study of 9,000 people, 70% wished for a single solution to save, invest, and spend money. The projected growth of this market in Europe is 20–30% over the next five years, with brands like Revolut and Aircash already laying the groundwork.
These two FinTech companies had a sensational showdown on the Money Motion stage last year. We continue to follow their growth, as well as the overall trend of improving existing platforms and expanding their capabilities both vertically and horizontally. More than 100 speakers will discuss this topic along with the significance of such trends for retail and traditional banks, the role of regulatory institutions, and what we can learn from neighboring markets. Third edition of the Money Motion conference will take place across four stages on March 27 and 28 at the Zagreb Fair. The event is organized in collaboration with leading regional brands ASEE, Monri, Mastercard, OTP banka, A1 Hrvatska, Croatia osiguranje, and LAQO.
The Fight Club between Revolut and Aircash was last year’s most attended session
“In the next decade, super apps are expected to play a key role in our daily lives – from payments and investments to mobility and healthcare services, all with the inevitable support of artificial intelligence. When it comes to the European insurance market, it is important to emphasize that super apps will not be able to fully encompass all aspects of the insurance business. Due to the industry’s complexity, regulatory frameworks, and specific business models, key segments such as post-buy processes, policy management, claims handling, and customer relationships will remain within the domain of insurers,” explains Marko Ćosić, Director of Digital Business at Croatia osiguranje.
Croatia’s largest insurance company has enhanced the market with two digital apps that have set a new standard for user experience. Moja Croatia is an award-winning app with nearly 200,000 users, allowing clients to review all their insurance policies, pay bills, and quickly report claims. Meanwhile, LAQO is Croatia’s first fully digital insurance provider and the first to introduce cryptocurrency payments. The future of InsurTech will be a key topic on the first day of the Money Motion conference, moderated by Ana Zovko, Executive Director of Digital Business and IT at Croatia osiguranje.
“At Croatia Osiguranje, through our digital platforms Moja Croatia and LAQO, we already provide users with intuitive and efficient insurance management – from quick price calculations and policy sign-ups to claims reporting and health check-ups. Digital transformation is advancing rapidly, but the nature of insurance requires dedication and adaptation beyond standard super app frameworks. Those who recognize this in time will secure their place in the future ecosystem,” Ćosić adds.
Croatia osiguranje has received multiple awards for its digitalization efforts.
Croatian Aircash also has the potential to become a globally competitive player in the super app market. Just five years ago, it emerged as the first digital wallet in the region. Today, it operates in about ten markets and is available at over 250,000 retail locations across Europe. Its growth is based on analyzing users’ daily habits and behaviors, addressing them through partnerships with local businesses, digitizing services, and simplifying transactions. While its most extensive offerings are on the domestic market, Aircash aims to introduce services like utility bill payments, parking, and transportation payments in 27 European countries by 2027.
“The financial industry is undergoing rapid digitalization, and users demand convenience, speed, and security in managing their money. The growing need for instant transactions, digital payments, and integrated financial solutions increases the importance of platforms like Aircash. Our goal is to become a globally present super app that makes everyday life easier for users. Aware of the fast-paced FinTech industry, we are building a long-term and sustainable strategy without skipping essential steps. We approach each market strategically and thoroughly, analyzing local habits and needs to provide relevant and innovative solutions. We continuously improve the user experience and develop our app with a clear vision of making Aircash an indispensable tool in the global digital ecosystem,” says Borko Buturac, COO of Aircash.
Ivan Kurtović, CEO of InterCapital Asset Management, also believes that super apps are the new normal. His company was the first on the market to enable every citizen to invest in financial products that were previously accessible only to the wealthiest. Their Genius app is the first so-called robo-advisor for investing and saving in Croatia.
“Genius combines the best of traditional and modern finance, offering a unique service in the wider region. Its range of services provides intuitive access to the world’s best ETFs through automated investments and savings plans. The strategy is overseen by experienced professionals, giving clients an all-in-one, simple, digital, and modern experience – without requiring any prior knowledge. Digitalization is key here. Beyond accessibility and simplicity, it increases efficiency, making these services more affordable than ever before. Transparency and ease of use are becoming essential, so we see super apps not just as a trend but as a logical step toward a more intuitive and efficient digital experience,” he states.
Money Motion is the only event in the region that connects traditional institutions with FinTech disruptors
The growing number of FinTech solutions emerging outside traditional banks raises ongoing questions about their future – do we need them, and will they survive? However, the role of banks as a central touchpoint for individuals managing their financial assets cannot be ignored. The more important question is which banks have embraced digitalization and adapted to customer needs in time.
One standout in the region is Erste Bank, which launched Keks Pay back in 2018. Within just two months, the app processed over 2.5 million transactions, and by the following year, Forbes had already listed it among the few European apps with the potential to compete with Asian super apps.
“Banking digitalization has been underway for quite some time, and the industry as a whole is undergoing major transformations. Erste Bank has a clear business strategy aimed at long-term sustainability, with digital innovations as one of its key pillars. Our digital solutions, such as Keks Pay and George online banking, have successfully grown their user base and remain strong examples of technological innovation in financial services. Generally speaking, Erste Bank is focused on shifting simpler, transactional banking services to digital channels wherever possible, while simultaneously strengthening advisory services available in physical branches. By combining both approaches, we enhance the traditional relationship between banks and clients with all the benefits of digitalization while maintaining a personal touch,” says Christopher Schoefboeck, CEO of Erste Bank, who will return to the main stage of Money Motion this year.
Regular tickets can be purchased at a price of €375 via the Entrio platform, granting access to the two-day conference program and evening networking events. All information about the conference can be found on the official Money Motion website.
