EP #499 - Fatemeh Nikayin & Thomas Müller: How to Sell SaaS to Banks

Timestamps:

5:07 - Thomas’s leap from cybersecurity to founding Rivero 

15:07 - Building partnerships with Visa and Mastercard  

21:10 - Bootstrapping until Series A  

23:00 - Founder salary realities  

27:43 - Why it’s hard to sell to banks  

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About Fatemeh Nikayin and Thomas Müller:

Fatemeh Nikayin and Thomas Müller are the co-founders of Rivero, a Swiss startup redefining how banks manage payment operations. Rivero provides the first and only SaaS solution for fraud recovery and dispute management, and has scaled to serve major banks across Europe.

Before founding Rivero, Fatemeh held consulting roles in the payment space and earned a PhD in Technology, Policy and Management from the Delft University of Technology, in the Netherlands. Thomas previously served as CISO of a major credit card issuer and has a background in cybersecurity. Together, they bootstrapped Rivero to profitability before raising their Series A in 2024.

Rivero’s products – Caio and Amico – are built to streamline compliance and fraud handling, allowing banks to operate more efficiently while maintaining high trust. Their vision? Go global and become the operating standard in payments.

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