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Collaboration Projects

Get funding for a collaborative innovation project through Copenhagen Fintech – application deadline on 5 October 2026


Danish start-ups and scale-ups are invited to apply for funding for fintech-related projects.

A collaborative innovation project will help you develop and test new solutions. Each project must involve at least one additional partner, such as a large company, another SME, a knowledge institution, a public organisation, or a non-profit private organisation.

Danish SMEs may apply for funding of up to DKK 100,000 per project, which may cover up to 70 per cent of the project’s total salary costs. Salary costs are calculated at an hourly rate of DKK 406 plus an overhead supplement of 40 per cent.

This is the third of 1–3 annual funding rounds planned by Copenhagen Fintech for 2026–2028. The strategic focus and eligibility criteria for future calls are yet to be determined. The planned budget to be allocated under this call is DKK 1.5 million. A company that has already received a project grant from Copenhagen Fintech in 2026 may not apply.

Please read the “Conditions of Funding” carefully for more details.

Timeline

  • 14 September 2026 at 14:00: Information meeting - register here

  • 5 October 2026: Deadline for application

  • Mid-November 2026: Communication of funding decisions

  • December 2026-April 2027: Implementation of projects lasting 2-3 months

How to apply

Applicants must send an email with the subject line “Fintech Application CP2603”, and with the completed application and budget forms attached, to applications@copenhagenfintech.dk, using the forms that can be downloaded from this webpage.

The application must be submitted in Word format and the budget in unchanged Excel format.

Funding conditions and application forms

[downloads]

Q&A

Funding is available for collaborative innovation projects within financial technology (fintech), involving at least one Danish SME working with at least one other partner. Partners may be Danish or international and can include a large company, another SME, a knowledge institution, a public organization, or a non-profit private organization.

Danish small and medium-sized enterprises (SMEs) may apply for and receive funding. SMEs are defined as enterprises employing fewer than 250 people. Please see full definition in Annex 7 of the Conditions.

The maximum grant is DKK 100,000. Funding covers project work, with salary costs calculated at an hourly rate of DKK 406. In addition, an overhead supplement of 40 per cent is applied without documentation. The funding rate is up to 70 per cent of eligible salary costs, including overhead.

An internal evaluation committee assesses the applications and submits a recommendation to a grant subcommittee of the Copenhagen Fintech Board. Selection criteria include: The clarity and novelty of the proposed innovation; commercial and societal relevance; feasibility, team quality, collaboration and cost-effectiveness. Full details are provided in Section 4 of the Conditions.

The grant is awarded in accordance with the EU de minimis regulation. This means that total state aid granted to a single undertaking must not exceed EUR 300,000 over a three-year period. For full details, see Annex 3 of the Conditions.

In the assessment of the commercial relevance of the project, it is considered positive if a company can demonstrate that market need (“traction”) has been validated in the form of potential or actual users, customers, partners, investors, or development grants. Also, concerning the criterion of feasibility, the applicant must possess the necessary resources, competences and commitment — preferably on a full-time basis — to implement the project and exploit its results (cf. the selection criteria set out in Section 4 of the Conditions).

A total budget for the project must be prepared using the designated budget template, which can be found on the call webpage. The number of hours expected to be worked on the project by each individual must be stated, as the grant may cover up to 70 per cent of their total salary costs (including 40% overheads). For example, a grant of DKK 100,000 requires a total budget of approximately at least DKK 143,000, corresponding to around 251 hours.

The cost of a salaried employee’s project work must be documented by means of a work description (arbejdsbeskrivelse) indicating the average percentage of the employee’s working time with the employer that is allocated to the project. For entrepreneurs and business owners who do not draw a salary from their company, salary costs for project work may instead be included on the basis of a monthly record of hours worked (tidsopgørelse).

Yes. One third of the awarded grant may be paid as a first instalment once the project has started and upon return of the award letter signed by the recipient, together with signed work description(s) or initial time record(s). The remaining amount is paid once a technical and financial report, along with supporting work descriptions or time records, has been submitted and approved.

No. Expressions of interest or similar statements from collaboration partner(s) do not need to be attached to the application. However, an agreement must be concluded between the project partners and made available upon request. The Conditions of Funding do not stipulate any specific format for such an agreement.

Yes. The applicant may share the grant (up to DKK 100,000 per project) with one or more other Danish SMEs collaborating on the project. To be eligible for funding, a collaboration partner must be an active participant in the design and implementation of the project and have a significant interest in the planned innovation. (The provision of advisory or testing services cannot be funded.) The grant holder will be the responsible partner who signs the grant agreement and administers the project on behalf of all partners, and who is therefore accountable to Copenhagen Fintech for the implementation of the project in accordance with the grant conditions, including any onward disbursement of the grant to other SME partners in the project (cf. Conditions, Section 2).

The criteria and grant conditions are set out in the Conditions of Funding, supplemented by this Q&A. In addition, detailed definitions and financial provisions can be found in the Danish Business Authority’s Vejledning til projekter med tilskud fra de decentrale erhvervsfremmemidler, including rules and templates for work descriptions and time record (Art 3.1).

Questions?

For enquiries, please contact
‍David Grønbæk
Project Compliance Officer

+45 53 58 44 24
‍djh@copenhagenfintech.dk

Completed Collaboration Projects

End date: 2026-05
ID: CP-2601-03

Lightcone Analytics is a unified decision infrastructure platform that transforms how organizations manage risk and make strategic decisions under uncertainty. The Challenge: Organizations face overlapping pressures, economic volatility, regulatory change, climate transition, geopolitical disruption, yet their decision tools remain fragmented across teams, with intelligence, models, and governance sitting in separate systems. The Solution: Lightcone integrates three core capabilities, evidence intelligence (Atlas), scenario analysis (Pluto), and model governance (Neptune), into one coherent platform. This enables organizations to gather traceable evidence, run multi-dimensional risk scenarios, and deliver board-ready, governance-defensible insights. The Impact: Faster decision-making, reduced analysis time, integrated risk management (financial, regulatory, climate, operational), and defensible outcomes under regulatory and investor scrutiny. Lightcone targets financial services, real estate, pharma, and logistics sectors, beginning with enterprise service deployments in late 2026.

End date: 2026-05
ID: CP-2601-08

This project developed and validated an AI-based solution that helps startups identify relevant funding opportunities more efficiently. By combining artificial intelligence with funding data, the platform delivers tailored recommendations and guidance, simplifying access to public and private funding sources.

End date: 2026-05
ID: CP-2601-09

ID-Truster is a new and unique way to combat scams and impersonation across email, SMS, and phone calls. Through the “Collaborative project,” we have developed ID-Truster from a solution used to demonstrate the concept into a solution that can now be used by pilot customers who want to help shape the future of fraud prevention.

End date: 2026-03
ID: CP-2025-02

The aim of the project was to streamline the process of preparing compliance recommendations by making use of new technological opportunities. After three months of development, the project has succeeded in developing a prototype that both saves time and makes it easier for financial companies to document compliance.

End date: 2026-01
ID: CP-2025-01

In collaboration with BRIKK A/S, Predicti has developed and tested an AI-based model capable of predicting the likelihood that a residential property will be put up for sale within the next three to six months. The project combines publicly available property and ownership data with advanced feature engineering and machine learning on Predicti’s AI platform. The purpose of the project was to demonstrate how predictive data analysis can identify early signals of forthcoming residential property transactions, thereby providing estate agents with a more targeted basis for outreach activities. The results showed that it was possible to identify several thousand addresses with a high probability of an imminent residential property sale within the next three to six months. The model was able to rank properties according to their likelihood of being sold, thereby creating a significantly better basis for prioritisation than traditional, broadly defined target groups. The project demonstrates that AI can transform existing data sources into concrete, forward-looking insights into the housing market, with the potential to increase conversion rates and improve the efficiency of marketing in the real estate sector.

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