Welcome to the Finnish market

Partner with us to build innovative services to advance the way Finns use cars in the future. We are looking to integrate new solutions with our Car Companion App and to launch world-class connected car services to our customers.

OP is the largest financial group in Finland, offering banking, insurance and wealth management services to nearly 5 million customers. OP is evolving into a multi-branch services company, one of the focus areas being transport and mobility. OP will offer startups funding, expertise, and streamlined access to the Finnish market.

We look for startups with an innovative technology, product or service who can significantly advance the way we use cars and services while driving, and leverage connected car for better customer experience or disruptive business models.

The Program’s kick-off is a 5-day long Innovation Challenge on 13th – 17th February 2017 in Helsinki. The winning startups will be invited to the 3-month Smart Mobility Startup Partnership Program starting in March 2017.

During the Innovation Challenge, we will provide you a real life test pad, including cars (Tesla) and working APIs. Your travel and accommodation expenses will be covered for 3 000€ for teams from abroad (or 1 000€ for local teams).



Pushing the driving experience to the next level

Why smart mobility?

We are the biggest bank and car insurance company in Finland. We are one of the biggest car finance companies. We have some 4 million customers who rely on our financial services daily or weekly.

We recently launched a new service, OPn Kulku, that offers electric cars as a service. Kulku offers startups an excellent platform to develop and validate solutions with real customers. Car brands include Tesla, Renault, BMW, Nissan and Hyundai.

We believe connectivity will take the car driving, owning, using and seating experience to the next

level. Connectivity will reshape the mobility ecosystem. Cars will become interfaces to the digital world around us.

AI, bots, automation and great, predictive UX, will be critical to making these services both joyful and safe.


Startup, join us!

We want to collaborate with you to co-create groundbreaking solutions that can be brought directly to Finnish markets.

The Program is a 3-month intensive period for collaboration, including three boot camp weeks in Finland with mentoring sessions, networking events and having fun.

Within the program you’ll get access to:

  • Awesome mentors, including startup experts, industry advisers, key executives at OP Financial Group and our business partners
  • Hands-on business development and commercialization team dedicated to working with you
  • An inspiring office space where you can work side by side with other smart and talented founders and people at OP Lab who are developing our new growth businesses with and like startups.
  • Our customers. We have over 4 million customers who use our services on a daily or a weekly basis
  • Grants up to 100 000€ to compensate your effort and travel expenses. Actual sums will be agreed based on time and materials



Contact us


Sonja Heikkilä, OP
Tel. +358 44 078 4430
Teemu Mäkitalo, Avanto Ventures
Tel. +358 40 508 6894
Timo Kemppainen, Avanto Ventures
Tel. +358 50 400 1511