Krealo is a corporate venture capital arm of Credicorp, established in 2018 and based in Lima, Peru. The company focuses on fostering innovation in the financial sector by building, investing in, and managing fintech startups, particularly those operating within the Andean region. As the open innovation arm of Credicorp, Krealo aims to leverage technological advancements and evolving customer expectations to create new products and services that address the changing landscape of finance. Through its investments, Krealo seeks to drive transformation in the industry and support the development of emerging financial technologies.
Aviva operates an AI-powered digital bank aimed at providing financial services to underbanked communities in Latin America, particularly targeting unsecured credit products for individuals and nano-businesses in Mexico. The company focuses on reaching the over 40 million underbanked Mexicans, many of whom reside in small and medium-sized towns, through physical onboarding kiosks. These nano-branches facilitate a documentless onboarding process via a three-minute video that leverages AI technology, including natural language processing, to streamline credit applications. By transforming speech to text and assessing customers' emotions and personality through video, Aviva enhances its ability to score thin-file customers effectively. This innovative approach allows Aviva to offer competitive interest rates and meet the financial needs of underserved populations.
Shinkansen
Seed Round in 2024
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
Pre Seed Round in 2023
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 Connect
Seed Round in 2023
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 Connect
Seed Round in 2023
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
Seed Round in 2023
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 (formerly PasanaQ)
Pre Seed Round in 2023
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
Venture Round in 2023
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.
Tenpo
Venture Round in 2022
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.
Tyba
Venture Round in 2022
Tyba is a fintech platform that offers financial solutions and investment services.
Wally POS
Venture Round in 2019
Wally POS is a software development company that creates electronic billing and point-of-sale systems.
Culqi
Venture Round in 2018
Culqi is a payment processing application based in San Isidro, Peru, designed to facilitate online payments in Latin America. The platform enables businesses and developers to create customized payment solutions for websites and mobile applications. Culqi offers a point-of-sale system that allows companies to accept card payments from customers, including credit and debit cards. By providing tools that empower merchants, Culqi aims to enhance business performance and growth, enabling them to effectively manage both in-store and online transactions.
Aviva
Aviva operates an AI-powered digital bank aimed at providing financial services to underbanked communities in Latin America, particularly targeting unsecured credit products for individuals and nano-businesses in Mexico. The company focuses on reaching the over 40 million underbanked Mexicans, many of whom reside in small and medium-sized towns, through physical onboarding kiosks. These nano-branches facilitate a documentless onboarding process via a three-minute video that leverages AI technology, including natural language processing, to streamline credit applications. By transforming speech to text and assessing customers' emotions and personality through video, Aviva enhances its ability to score thin-file customers effectively. This innovative approach allows Aviva to offer competitive interest rates and meet the financial needs of underserved populations.
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