We deploy fintech, next-generation artificial intelligence and blockchain technologies
About Us

Generating new ideas. Solving big problems.

Are You Looking Dive Into AI?


Artificial intelligence (AI) & Blockchain are a rapidly evolving technologies that are seeping into our lives and affecting how we live, work and entertain ourselves.

Everyday examples include voice-activated personal assistants, self-driving features in cars, and websites suggesting films and songs we might like based on our previous choices.

Leading AI scientists are developing programs that can learn to solve complex problems without needing to be taught how. Although the technology is still in its infancy, there are expectations that these techniques will be used to develop and advance numerous fields and industries, including finance, healthcare, education, transportation and more.



Our platform, CloudedWE4Fintech – open, bioinspired and with a collective math algorithm- takes care of three crucial concepts online: Social Networks, Big Data and Artificial Intelligence (AI). We empower startups with the AI they need to engage in new business models.



We believe we can pave the way for your company to adopt the most effective AI technologies and processes to achieve a competitive advantage.



Further, the retraining of workers for the next generation of jobs in AI is a challenge that Knowdle is uniquely equipped to tackle. We are dedicating time and resources to creating retraining solutions for current or displaced workers.



Through the application of #AI based on collective intelligence we help to create new business models. We provide Innovative technologies with our AI platform to improve their business and add value to their offering. We bootstrap them to grow faster.

Objective & Why We
are differents

Knowdle offers a digital, bioinspired ACI-based payment and debt collection software platform to manage accounts receivables. The end-to-end process of e-invoicing, payment reminder mechanisms and debt collection processes help companies to balance between recovery rate, costs and customer retention.

Our platform enables businesses to manage both incoming and outgoing payments centrally, offering flexibility in terms of payment methods, and providing support for multiples cash flow profiling. Merchants get varied options including prepaid cards, electronic wallets, mobile wallets, and electronic money transfer. Artificial Collective Intelligence cash flow management gives businesses the ability to control the date on which payment is made and/or receipt is collected, opt for their currency of choice, and operate internationally with ease and at lower fees.

Even fraud detection could provide your company, your providers even your clients, a unique and very efficient approach increase the revenues of a very efficient cash flow approach.

Our crawlers can provide to our algorithms news sources of knowledge for better decisions.

Reasons Why

#1 – Fintechs are flexible

Traditional banks have difficulties in quickly responding to evolving client needs because of inflexible legacy systems, decision processes, and risk-averse budgeting. In contrast with traditional banking, Fintechs are more flexible for a couple of reasons:

Start-Up: The start-up nature of Fintechs contributes towards being more flexible. As these businesses typically are smaller and younger organisations, this avoids being encumbered with outdated systems and results in leaner structures.

APIs: Fintechs often use API (Application Program Interface) – based systems: this enables them to collaborate with other technology providers in a quicker and more scalable way. APIs allow the collaborating partner to access the relevant code for efficient and secure integrations. It’s more or less a ‘plug and play’ principle. This allows Fintechs to give their customers a lot of modular financial service options including banking, multi-currency management, cross-border payments, investing, borrowing and savings. These modular solutions can be tailored to the exact needs of clients, making Fintechs more personalised and flexible in their product offerings.

#3 – Fintechs are breaking down borders

The Fintech world has no borders. They are international or aim to break down global barriers, to facilitate global financial services using leading technologies. Imagine making cross-border payments from Asia to Europe in minutes by using a mobile phone on your morning commute in New York – this isn’t a scene from a sci-fi movie, it’s real life. Fintechs are creating borderless financial services that enable real-time data transfers around the globe.

In addition to creating a seamless experience for international transactions, Fintechs have brought banking services to areas of the world that are not served by the traditional banking ecosystem. Emerging markets that were previously unable to participate in the global economy are now getting access to bank accounts and financial services that have the potential to completely change their way of life. By serving the under-served, Fintechs are creating new possibilities and boosting the global economy for the better. 

#2 – Fintechs are transparent

Fintechs allow their customers to manage financial services in a transparent way through:

Pricing. Customers are made fully aware of costs, with none of the hidden fees associated with traditional banking institutions. Additionally, Fintechs often provide pay-as-you-go pricing or allow for services to be purchased “à la carte”, so customers only pay for what they use.

Collaboration. Fintechs are not striving for unilateral disruption of the market – in fact they value collaboration. Fintechs are bringing different platforms together to create a free market ecosystem that ultimately helps consumers save money. This boost in collaboration goes both ways. Traditional financial service providers are seeking Fintech partners as well, meaning everyone can win.

#4 – Challenge brings innovation  Fintechs are the challenger

Fintechs are taking advantage of cutting-edge technologies as a starting point for innovation. In particular, open-access platformsenable developers to create their own apps and overturn the status quo. By providing continuous innovation and improving the simplicity, transparency, and automation of transfers, Fintechs are raising the bar by defining new standards for payments and banking.

By not being encumbered by legacy processes and systems, they are able to quickly develop solutions that compete directly with traditional financial service providers, driving up the quality of products available on the market and benefitting consumers. This technology revolution that we have seen in other sectors like retail is now taking on the highly regulated space of financial services. In the end, the customer is the one who benefits the most with a new benchmark of facilitated banking and payment solutions.


Knowdle Fintech

Business Lines

BANKS & FINANCIAL SERVICES. The internet has been an extraordinary conduit for uploading, exchanging and disseminating information. However, if you wanted to go and exchange value online, there was no way to do that. Whether it was data, money, the title to your car or home, you had to do it in a way that didn’t involve legacy institutions such as banks, governments and clearing houses.

The Knowdle Fintech Management hoping to assist businesses that can remove financial pain points from our monetary systems, KNOWDLE/AIBeeHIVE accelerator Program also offers extensive start-up support. Its current advisory portfolio includes projects like KNOWDLE MEDIA GROUP (BUAALA), is a technological company, dedicated to the innovation and development of SMART MEDIA solutions and products focused on the field of multimedia contents, through the use of Open and Bioinspiring Knowledge and Artificial Intelligence based on Collective Intelligence, or FACEBAANK which seeks to build ACI (Artificial Collective Intelligence) blockchain and crypto-based BANK and partnerships between national markets. Or ICOs Project like: COGNO COIN PROJECT, or BRAIN REGEN PROJECT. Our next step involves collecting capital from accredited investors to fund these projects and incentivizing contributors to “build tools and services” to facilitate them.


We have launched the Knowdle Fintech at a crucial time for the development of AGI (Artificial General Intelligence) technologies, which many experts believe are set to power economic growth around the world. In the early days of electricity, much of the innovation centered around slightly different improvements in lighting. While this was an important foundation, the really transformative applications, in which electric power spurred massive redesigns in multiple industries, took longer to be grasped. AI is the new electricity, and is at a similar inflection point.

HEALTH & BEAUTY SERVICES, other line of activity in our company KAIFT specializes us in the Health & Beauty business line in the distribution of disposable medical supplies, hospital equipment, diagnostic materials, for skin care and rejuvenation at widely available prices. Using the most advanced Collective Intelligence AI technologies from KNOWDLE. 

We supply a high range of medical-surgical material, implants and equipment from major and renowned manufacturers. 

Our range of products covers the following fields: Aesthetics, Beauty, Cardiology, Podiatry, Colostomy, Cosmetics, Dentistry, Dermatology, Diagnosis, Diabetes, Disposable material, First aid, Gynecology, Ileostomy, Incontinence, Manicure, Medical equipment, Nutrition, Orthopedics, Pharmacology, Traumatology, Urology, Veterinary. It will be expanded soon. Advanced Radar System from will be available soon.

Our effort covers all areas of the health sector: hospitals, private clinics, hospital pharmacies, nursing homes, laboratories, dental clinics, sports clubs, SPAS centers, pet stores, and others.


The KAIFT logistics system provides a reliable and effective distribution service, and plays a decisive role in the satisfaction of our clients.


Our success is based on the quality and competence of our employees, on customer orientation and assistance, and on safe and logically efficient solutions. If you are looking for a trusted hospital provider that can deliver consistent quality products at very competitive prices!

Our Partners

For a detailed prospectus and offering

Knowdle Fintech has a dynamic, flexible and adventurous spirit. All present and future people who are part of the team will have these qualities. Our current team brings an experience and values that make the company a very high level.

Managing Partners

Yenlik Doskempirova

CEO & co-founder
  • Founder of Euro Asia Finance. She’s an experienced investment advisor with an extensive network of institutional accounts and other sources of private capital. Yenlik has been a financial advisor at Barclays Capital, based in Canary Wharf, London, specializing in the creation of customized financial instruments. She worked in the financial center of Kazakhstan and was supervisor in the creation of the Commodity Exchange in Kazakhstan. Since 2002 she works at Citi Bank (London) in the Department of the Treasury. She speaks English, Russian and Spanish.

Felipe García Montesinos

Co-founder & VP of Technology
  • Creator of the algorithm and AI architecture, Felipe is an expert on the digital world in all its aspects. A long professional career leading the engineering and technical architecture of large ISP operators in this country allow him to have the vision and leadership to be responsible for an entire ecosystem of technological startups.

Lance Minnick

Deputy CEO 
  • Born in the United States, Lance studied at Delta University in California, the University of Navarra in Pamplona and ESADE (Business School) in Barcelona, Spain. Has worked as Product Manager for multinational companies, and as general manager in Spanish companies with as many as 1000 employees and offices in as many as 15 capital cities in Spain. Lance was voted as one of the top 100 business managers in Spain in 1982 the magazine “Actualidad Económica”. He founded and managed his own company specialized in real estate management, development and marketing in Mallorca for over 30 years. With nearly 50 years of experience in business management in Europe, Lance speaks English, Spanish, Catalan, German and French.

Jorge Ramírez

Chief Financial Manager
  • Extensive administrative, financial and accounting experience in multinationals firms around the world such as Kellogg’s (United States), Consilux (Brazil), BP or Charvenca (Venezuela), being responsible for the areas of Accounting, Taxes, Treasury, Payments, monthly results, accounting closings and Tax Planning of the group’s companies. Strategic and Financial Planning Analyst, in charge of the elaboration and evaluation of the annual budgets and their coordination with the different departments and areas of the company.
Specialist Partners


Knowdle is a technological company, dedicated to the innovation and development of solutions and products focused on the field of multimedia contents, through the use of Open and Bioinspiring Knowledge and Artificial Intelligence based on Collective Intelligence.

They accelerate the growth processes of companies. Its platform with a collective math algorithm takes care of three crucial concepts online: Social Networks, Big Data and Artificial Intelligence (AI). They empower startups with the AI they need to engage in new business models.

From Knowdle they believe that it’s important to invest in research, development and innovation generating new patents, new productive processes and, ultimately, facilitating the creation of new solutions that make us more competitive in different areas.

Its Artificial Intelligence Engine based on Collective Intelligence Engine (CIE) is capable of analyzing, enriching, comparing, recommending and proposing the best possible options or alternatives. The differential element is the weighting that the algorithm does of each of the social networks events received, giving each of them the appropriate value for decision making.

This knowledge of the end user so exhaustive and contextualized allows them to associate audiovisual product with a product or service. It’s the big difference from other business models in the cloud, which only offer services and not a business model.



Quickly reacting to the developments that Enterprises is experiencing in the ICT industry, Laawfy AI Technologies (Laawfy) was one of the first firms on the world to develop a specialised department covering the whole gamut of legal areas relating to the AI & Blockchain law regulating information technology and electronic communications. Our client base varies from start-ups to international blue chip companies. Our legal team has an in-depth understanding of the challenges surrounding your ICT business and can assist you in finding commercially driven legal solutions suited to your needs.

The ICT Law Department at Laawfy AI has been set up to cater for the ever-increasing legal issues surrounding the world of technology. Our team of experts provides legal assistance and advice to the ICT industry in various areas including telecoms, data protection, technology contracts, business process outsourcing, electronic commerce, intellectual property, computer crime and remote gaming focused on AI & Blockchain impact on all of them.

Whether you are an international company wishing to increase your footprint into AI & BlockChain or a small ICT start-up wishing to offer your products to an international market, Laawfy has a solid understanding of the different challenges posed by new technologies.

The specialised team of ICT lawyers at Laawfy speak your ICT language and strive to transpose your technical challenges into legal solutions.

The ICT Law Department of Laawfy also works very closely with other departments within the firm in order to provide its clients with a complete range of legal services including commercial, corporate, litigation, tax and employment.

With the Knowdle Fintech project opening its doors to its first tenants in 2018, Laawfy is set to become an ICT Malaga hub not only in the Mediterranean but beyond. Its efficient time zone, English speaking and tech savvy workforce, future driven infrastructures and advantageous tax regimes makes Malaga your ideal location for your ICT business. Laawfy can help you make your presence in Malaga as seamless and efficient as possible.

Laawfy has also headquarters in Madrid, London and Panamá.


Years 2017 – 2018 / Source: GlobalData


Total investments in Artificial Intelligence (AI) companies backed by venture capital companies in Q1 exceed $1.9B in 2018 (+54.2%)


By 2019, 40% of digital transformation initiatives will use AI services.


By 2021, >75% of business applications will use AI

Anand Rao, Principal, Global Artificial Intelligence Leader at PwC


Our essence is to help companies obtain better results. Our solutions adapt to the time and the real needs of each client.
Write to us to learn more about our approach and what we do.


Madrid. C/ Almagro, 2. 8010 Madrid

Málaga. C/ Steve Jobs, 2. 29590 Málaga



(+34) 910 800 000


© Knowdle Fintech 2019, 2020  

knowdle AI Financial Technologies S.L. NIF B93660355 CNAE 9369 SS 011129141533477 CONSTITUTION DATE NOVEMBER,2019 REGISTRO MERCANTIL DE MÁLAGA 1/421/840 FOLIO 124 PROT: 2018/2309/N/27/12/2018 23/10/2019