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Photo: Bloomberg.com
Founded in 2000, Viva Wallet is a Athens-based fintech startup providing cloud-based banking and payment solutions for businesses and individuals across Europe. The company offers a full suite of digital banking services, e-wallets, point-of-sale (POS) solutions, and card processing, aiming to make payments seamless, transparent, and accessible.
Viva Wallet’s mission is to modernize European banking, enabling businesses and consumers to manage money, payments, and transactions efficiently in a digital-first world.
Viva Wallet was founded by Harilaos (Harry) Koumoulis, a Greek entrepreneur with a background in technology and finance.
Koumoulis saw that traditional banks were slow, costly, and fragmented, especially for small and medium-sized businesses. He envisioned a fully digital banking platform that integrates payments, banking, and fintech services into a single, user-friendly ecosystem.
Viva Wallet has grown rapidly with venture funding and European expansion:
Viva Wallet has positioned itself as one of the fastest-growing fintech platforms in Europe, combining banking, payments, and merchant services.
Viva Wallet offers digital banking and payment solutions with a focus on innovation:
By combining digital-first banking with cloud-based infrastructure, Viva Wallet simplifies money management for businesses and consumers alike.
Viva Wallet has influenced European fintech and banking in several ways:
Viva Wallet exemplifies how fintech startups can challenge traditional banking models with speed, flexibility, and digital-first solutions.
Viva Wallet faces challenges common to fintech startups:
The company addresses these challenges with state-of-the-art security, regulatory adherence, and continuous innovation in digital banking services.
Viva Wallet continues to expand and innovate in European fintech:
For entrepreneurs, Viva Wallet shows how digital-first banking and fintech innovation can transform financial services across Europe.
From a Greek fintech startup to a leading European digital bank, Viva Wallet is redefining how businesses and individuals manage payments and banking. With cloud-based services, e-wallets, and integrated payment solutions, the company is driving financial inclusion, efficiency, and innovation. Its story highlights the potential of fintech startups to challenge traditional banks and empower businesses globally.









