Krealo

Aviva is building an AI-powered digital bank for Latin America’s underbank communities. While determined to fuel Latin America’s ongoing emergence of a new middle class with a fully-fledged portfolio of inclusive financial services, Aviva’s initial go-to-market concentrates on unsecured credit products for individuals and nano-businesses in Mexico. As most of the underbanked 40+ million Mexicans live in small and medium-sized towns, Aviva builds a bridge to those living in remote communities with its physical onboarding kiosks. These nano-branches provide a documentless 3-minute video onboarding for everyone in need of liquidity. Novel AI-based technology, including natural language processing, allows Aviva to match customers’ spoken word to the fields of a comprehensive real-time credit application. Transforming speech to text and inferring emotions and personality from the visual layer of the application video gives Aviva an edge in scoring thin-file customers. Leveraging these novel risk models, Aviva aims to provide the lowest interest rates available to today’s underserved.

Shinkansen is a financial services provider based in Santiago, Region Metropolitana, that specializes in facilitating automatic money transfers for fintechs and startups. The company offers a platform designed to streamline the movement of funds to consumers, suppliers, banks, and conventional networks, allowing businesses to operate at the speed of the internet. By automating treasury functions, Shinkansen helps reduce transfer costs and simplifies financial operations for its clients, thereby enhancing efficiency and effectiveness in their monetary transactions.

Kambia is a financial services provider that focuses on meeting the immediate financing needs of micro-entrepreneurs and small businesses. The company offers a platform that facilitates access to microcredits through WhatsApp, allowing clients to obtain loans that can be repaid in daily installments. This approach enables small businesses to use their inventory as collateral, helping them achieve their financial goals while enhancing their operational capabilities.

Finerio is a personal finance platform based in Mexico that offers an automated and free service to help users manage their finances effectively. The platform allows individuals to link their debit and credit accounts from major Mexican banks, enabling them to monitor and track their expenses, view financial information, and analyze their consumption patterns. Finerio's features include custom budgeting tools and data analysis capabilities, which aim to enhance users' financial planning and savings. By leveraging open finance principles, Finerio empowers users to take control of their financial well-being through insightful data-driven insights.

Finerio is a personal finance platform based in Mexico that offers an automated and free service to help users manage their finances effectively. The platform allows individuals to link their debit and credit accounts from major Mexican banks, enabling them to monitor and track their expenses, view financial information, and analyze their consumption patterns. Finerio's features include custom budgeting tools and data analysis capabilities, which aim to enhance users' financial planning and savings. By leveraging open finance principles, Finerio empowers users to take control of their financial well-being through insightful data-driven insights.

Plurall is developing an AI-driven financial application aimed at the over 8 million entrepreneurs in Colombia who have been excluded from traditional banking services. Recognized as the most entrepreneurial country globally, Colombia has a significant portion of its workforce engaged in self-employment. Plurall aims to enhance financial inclusion by offering micro and commercial lending products, mobile payment solutions, and other essential financial services tailored to the needs of small and mid-sized enterprises (SMEs). By leveraging technology and data science, Plurall provides critical access to working capital, mobile banking, and B2B buy now, pay later (BNPL) options, initially focusing on the Colombian market before expanding throughout Latin America. The company collaborates with reputable investors and partners, including Fasanara and Visa, to fulfill its mission of supporting underserved entrepreneurs.

Sommos is involved in digitizing informal collaborative savings associations through a SaaS for banks and retailers. We have created a white label that offer end users financial and commercial benefits.

Monokera specializes in digital insurance solutions, focusing on short-term and general life segments, including coverage for homes, vehicles, travel, and cellphones. The company has developed an open insurance platform that integrates with core insurance systems, allowing insurers to connect with digital channels. This platform facilitates the offering of embedded insurance products, addressing the demand for modernized processes and experiences in the insurance market. By bridging the gap between traditional systems and contemporary digital needs, Monokera enhances the accessibility and efficiency of insurance services.

Tyba is a fintech platform that offers financial solutions and investment services.

Tenpo is a financial services provider that offers a comprehensive suite of digital accounts and prepaid cards. The company enables users to conduct online transfers between banks, manage bill payments, and facilitate money transfers among contacts. Additionally, Tenpo allows users to recharge mobile accounts and invest their savings, creating a versatile ecosystem tailored to meet various financial needs. By combining these services, Tenpo aims to provide individuals with accessible and efficient financial tools.

Wally POS is a software development company that creates electronic billing and point-of-sale systems.

Culqi is the fastest, secure and easiest way to accept online payments in Latin America. Culqi allows businesses and developers to create their own payment solution for any website and mobile app.