ING Ventures

Stegra operates a state-of-the-art steel production plant focused on decarbonizing the European steel industry. The company's facility is designed as a fully integrated, digitalized, and automated greenfield site that combines raw materials, renewable energy, local expertise, and artificial intelligence. By replacing CO2-intensive coal with green hydrogen, Stegra enables the production of fossil-free steel at competitive costs. The plant includes a large-scale green hydrogen production unit, which is integral to its steel manufacturing process.

Qodek is a technology company that specializes in marketing automation. It offers a platform designed to enhance customer relationship management and streamline contact outreach processes. The platform provides custom integrations to extract relevant data, simplify marketing tasks, and optimize workflows. Services range from web scraping to CRM enhancement and account mapping, helping clients save time and increase efficiency. Led by expert engineers, Qodek is committed to simplifying marketing processes for its clients.

Founded in 2010 and based in Eindhoven, Netherlands, EIT InnoEnergy is a leading innovation engine focused on sustainable energy. The company operates with a mission to support the growth of early-stage companies in sectors such as climate technology, clean technology, mobility, and the Internet of Things. EIT InnoEnergy invests primarily in seed and early-stage businesses, aiming to enhance their potential through value-added services that mitigate risks and accelerate development. With offices across Europe and the United States, the firm is committed to fostering innovation in the energy sector to drive sustainable solutions.

PRODA is pioneering real estate innovation through cutting-edge data science solutions. Our machine learning-enabled software automates analysis and reporting tasks, driving digital transformation and enhancing productivity for industry professionals.

Fintonic is a mobile-centric consumer banking platform founded in 2012 and based in Madrid, Spain. It provides users with access to a range of financial services, including insurance, investment products, and targeted loans. The platform allows users to consolidate their financial accounts and information, facilitating the analysis of millions of financial data points. Fintonic employs an algorithm that assesses users' eligibility for loans, presenting them with pre-approved options that can be easily contracted. The application prioritizes security and privacy, ensuring that users can conduct financial transactions safely and anonymously. Currently, Fintonic serves over 250,000 users across Spain and Chile.

OpenFin Inc. is a technology company that specializes in providing runtime solutions for financial desktops, facilitating the development and deployment of web applications in the financial services sector. Founded in 2010 and headquartered in New York, with an additional office in London, OpenFin enables applications to operate outside the browser, allowing for enhanced features such as real-time notifications, secure communications, and interoperability among various applications. Its platform is designed to meet the stringent security and compliance requirements of financial institutions, streamlining the app distribution process and eliminating costly packaging and deployment cycles. By offering a user experience akin to mobile operating systems, OpenFin enhances the functionality and efficiency of financial applications, ultimately supporting the needs of banks and financial services across the United States and Europe.

Weaviate is a technology company that specializes in developing a hybrid software-as-a-service (SaaS) platform for building advanced search and recommendation systems. The company offers an open-source AI vector search engine that includes various extensions tailored for specific applications, such as semantic search and plugins for easy integration into existing systems. Weaviate's platform is designed to efficiently scale applications from end-to-end, utilizing hybrid and multimodal search capabilities. It seamlessly integrates machine learning models within a purpose-built architecture that can accommodate billions of data objects, thus enabling clients to effectively leverage their machine learning applications.

OpenFin Inc. is a technology company that specializes in providing runtime solutions for financial desktops, facilitating the development and deployment of web applications in the financial services sector. Founded in 2010 and headquartered in New York, with an additional office in London, OpenFin enables applications to operate outside the browser, allowing for enhanced features such as real-time notifications, secure communications, and interoperability among various applications. Its platform is designed to meet the stringent security and compliance requirements of financial institutions, streamlining the app distribution process and eliminating costly packaging and deployment cycles. By offering a user experience akin to mobile operating systems, OpenFin enhances the functionality and efficiency of financial applications, ultimately supporting the needs of banks and financial services across the United States and Europe.

Sardine is a financial technology company that specializes in providing a risk and fraud infrastructure tailored for the online economy. It has developed a device intelligence platform that leverages artificial intelligence and advanced risk engine software. This platform enhances fraud detection while minimizing sign-up friction by analyzing multiple real-time data points, including device information, browser details, and behavioral biometrics. By integrating this technology, Sardine enables businesses to establish a robust risk and fraud management framework, ultimately reducing costs within the fintech ecosystem.

OpenFin Inc. is a technology company that specializes in providing runtime solutions for financial desktops, facilitating the development and deployment of web applications in the financial services sector. Founded in 2010 and headquartered in New York, with an additional office in London, OpenFin enables applications to operate outside the browser, allowing for enhanced features such as real-time notifications, secure communications, and interoperability among various applications. Its platform is designed to meet the stringent security and compliance requirements of financial institutions, streamlining the app distribution process and eliminating costly packaging and deployment cycles. By offering a user experience akin to mobile operating systems, OpenFin enhances the functionality and efficiency of financial applications, ultimately supporting the needs of banks and financial services across the United States and Europe.

PRODA LTD is a technology company based in London, United Kingdom, founded in 2017. It specializes in developing an artificial intelligence-based software platform that addresses data processing challenges in the real estate industry. The platform automates the capture, standardization, and quality checking of rent roll data, allowing clients to streamline their data management processes. By leveraging machine learning, PRODA's solution enables asset managers, investment brokers, real estate lenders, appraisers, and technology companies to analyze, visualize, and export data efficiently. The company aims to enhance productivity and accuracy in real estate operations, moving away from traditional workflows that rely on disparate filing systems and spreadsheets. Through its innovative approach, PRODA contributes to the ongoing digital transformation within the real estate sector.

Thought Machine is a fintech company focused on transforming core banking through cloud-native technology. The company addresses a significant challenge in the banking sector: the reliance on outdated IT infrastructure that hinders innovation and customer service. To tackle this issue, Thought Machine has developed Vault, a comprehensive retail banking platform built from the ground up using a cloud-native, microservice API architecture. Vault can be easily configured to meet the specific needs of various banks, allowing them to enhance their product offerings, user experience, operating models, and data analysis capabilities. With a strong emphasis on engineering excellence, Thought Machine aims to drive a substantial shift in the banking industry by enabling financial institutions to adopt modern systems and deliver improved technology to their customers.

TransFICC Limited is a London-based e-trading technology company that specializes in providing low-latency connectivity solutions for the fixed income and derivatives markets. Founded in 2015, the company addresses the challenges of fragmentation in these markets by offering a unified application programming interface (API) that consolidates various execution venue APIs into a single point of access. This streamlined approach allows clients, including banks and asset managers, to connect once to TransFICC's API, simplifying the management of connectivity with electronic trading venues. The company's technology ensures timely data transmission, employing microsecond timestamping to facilitate an audit trail that supports best execution practices. By offering cloud-based hosting and scalable solutions, TransFICC enables its clients to adapt quickly to changes in trading venues, thereby enhancing their trading efficiency and competitiveness.

Weaviate is a technology company that specializes in developing a hybrid software-as-a-service (SaaS) platform for building advanced search and recommendation systems. The company offers an open-source AI vector search engine that includes various extensions tailored for specific applications, such as semantic search and plugins for easy integration into existing systems. Weaviate's platform is designed to efficiently scale applications from end-to-end, utilizing hybrid and multimodal search capabilities. It seamlessly integrates machine learning models within a purpose-built architecture that can accommodate billions of data objects, thus enabling clients to effectively leverage their machine learning applications.

X-ELIO is a leading firm specialized in the development, construction, financing & operation of photovoltaic plants with a global presence.

Thought Machine is a fintech company focused on transforming core banking through cloud-native technology. The company addresses a significant challenge in the banking sector: the reliance on outdated IT infrastructure that hinders innovation and customer service. To tackle this issue, Thought Machine has developed Vault, a comprehensive retail banking platform built from the ground up using a cloud-native, microservice API architecture. Vault can be easily configured to meet the specific needs of various banks, allowing them to enhance their product offerings, user experience, operating models, and data analysis capabilities. With a strong emphasis on engineering excellence, Thought Machine aims to drive a substantial shift in the banking industry by enabling financial institutions to adopt modern systems and deliver improved technology to their customers.

PRODA LTD is a technology company based in London, United Kingdom, founded in 2017. It specializes in developing an artificial intelligence-based software platform that addresses data processing challenges in the real estate industry. The platform automates the capture, standardization, and quality checking of rent roll data, allowing clients to streamline their data management processes. By leveraging machine learning, PRODA's solution enables asset managers, investment brokers, real estate lenders, appraisers, and technology companies to analyze, visualize, and export data efficiently. The company aims to enhance productivity and accuracy in real estate operations, moving away from traditional workflows that rely on disparate filing systems and spreadsheets. Through its innovative approach, PRODA contributes to the ongoing digital transformation within the real estate sector.

Stemly is a global provider of decision intelligence solutions, specializing in forecasting and optimization for the supply chain and finance sectors. Its SaaS platform utilizes automated machine learning to enhance business outcomes by reducing lost demand, decreasing inventory levels, and lowering working capital and financing costs. The platform is designed for seamless integration with various enterprise resource planning (ERP) and transportation management systems (TMS), facilitating efficient and interconnected decision-making. By delivering advanced capabilities in autonomous planning, recommendation, data integration, and cash management, Stemly enables organizations to tackle complex challenges and achieve optimal resource allocation.

Divido is a London-based consumer lending platform that provides a white label solution for financial institutions and multinational retailers. Founded in 2014, the company offers an omnichannel platform that enables merchants to integrate financing options seamlessly at the point of purchase, whether online, in-store, or via mobile. This approach helps boost sales, enhance customer experience, and improve conversion rates by allowing consumers to spread the cost of significant purchases through installment payments. Divido has established partnerships with over 1,000 entities, including notable brands such as Nordea Finance, BNP Paribas, and BMW. With its rapid expansion, Divido aims to operate in nine countries by the end of 2017, catering to merchants, lenders, and intermediaries looking to provide instant credit options to their customers.

Komgo SA is a Swiss-based technology company that operates a distributed ledger platform aimed at digitalizing the trade and commodities finance sector. Founded in 2018 and headquartered in Geneva, the company has expanded its presence with offices in Singapore, London, New York, and Houston. Komgo's platform streamlines trade finance processes by eliminating manual and paper-based methods, thereby reducing the risk of fraud and enhancing efficiency. It provides a secure environment for peer-to-peer transactions, which allows banks, traders, and other participants to easily access the liquidity necessary for global trade. By offering innovative workflow solutions and a benchmark data reference for the industry, Komgo is committed to simplifying trade finance and creating a more transparent and efficient marketplace.

Flowcast Inc. is a technology company based in San Francisco, California, with an additional office in Singapore, specializing in machine learning and predictive analytics. Founded in 2015, Flowcast develops advanced algorithms that create predictive models to assess credit risk and enhance decision-making for financial institutions. Its key offerings include Smartcredit, which provides comprehensive company information for credit decisions; Smartclaims, which automates the deduction claims process; and Tillful, a platform that provides credit scores and access to credit offers. Flowcast's solutions leverage alternative and proprietary data to offer real-time monitoring of borrowers' creditworthiness, evaluating their ability to repay loans, the risk of delinquency, and the likelihood of dilution. The company aims to empower lenders to unlock credit for businesses of all sizes by simplifying complex data insights into actionable information, all without requiring extensive coding expertise.

Twisto is a mobile payment application that offers a streamlined solution for online transactions. It allows users to make purchases with a single click through a connected Mastercard and supports Apple Pay. The app enables customers to manage their bills and invoices by taking photos of them, facilitating deferred payments and instant checkouts. Users can also utilize a virtual card or a payment bracelet for transactions, providing flexibility for payments at various locations. Additionally, Twisto ensures competitive exchange rates for international payments. The platform aggregates all transactions in an organized mobile interface, allowing users to settle their payments collectively at the end of each month.

eXate is a London-based company founded in 2015 that specializes in data privacy solutions for complex organizations. Its platform focuses on safeguarding sensitive data by implementing robust access controls, ensuring that only authorized personnel can view critical information such as names, addresses, and passport numbers. eXate employs DataSecOps to create a collaborative environment where data, operations, and cybersecurity teams can efficiently work together, streamlining data governance and sharing processes. The company provides its solutions to major global corporations, financial institutions, and insurance providers, effectively integrating privacy-enhancing technologies to automate data protection policies. This approach not only enhances security but also offers significant time and cost savings for clients.

Fintonic is a mobile-centric consumer banking platform founded in 2012 and based in Madrid, Spain. It provides users with access to a range of financial services, including insurance, investment products, and targeted loans. The platform allows users to consolidate their financial accounts and information, facilitating the analysis of millions of financial data points. Fintonic employs an algorithm that assesses users' eligibility for loans, presenting them with pre-approved options that can be easily contracted. The application prioritizes security and privacy, ensuring that users can conduct financial transactions safely and anonymously. Currently, Fintonic serves over 250,000 users across Spain and Chile.

Weaviate is a technology company that specializes in developing a hybrid software-as-a-service (SaaS) platform for building advanced search and recommendation systems. The company offers an open-source AI vector search engine that includes various extensions tailored for specific applications, such as semantic search and plugins for easy integration into existing systems. Weaviate's platform is designed to efficiently scale applications from end-to-end, utilizing hybrid and multimodal search capabilities. It seamlessly integrates machine learning models within a purpose-built architecture that can accommodate billions of data objects, thus enabling clients to effectively leverage their machine learning applications.

Neptune Networks LTD is a data connectivity network based in London, United Kingdom, that specializes in providing real-time bond market data. Established in 2015, the company offers pre-trade indications in bond markets, facilitating the exchange of targeted inventory data among banks and investors. By leveraging its technology, Neptune Networks enables direct and efficient connectivity between the sell-side and buy-side, fostering meaningful interactions that address the immediate needs of both parties and ultimately enhancing trade volumes in the bond market.

Countingup is a UK-based company that offers a unique banking and accounting app designed primarily for sole traders and one-person enterprises. The platform merges banking and accounting functionalities, providing users with an integrated solution that simplifies bookkeeping tasks. Its features include a current account, a corporate contactless MasterCard, and automated services such as receipt management and tax calculations. By streamlining these processes, Countingup enables businesses to manage their finances efficiently and effectively within a single software application, eliminating the complexities often associated with traditional banking and accounting methods. The company positions itself as an accessible and user-friendly alternative to conventional financial services, aimed at enhancing productivity for small business owners.

TransFICC Limited is a London-based e-trading technology company that specializes in providing low-latency connectivity solutions for the fixed income and derivatives markets. Founded in 2015, the company addresses the challenges of fragmentation in these markets by offering a unified application programming interface (API) that consolidates various execution venue APIs into a single point of access. This streamlined approach allows clients, including banks and asset managers, to connect once to TransFICC's API, simplifying the management of connectivity with electronic trading venues. The company's technology ensures timely data transmission, employing microsecond timestamping to facilitate an audit trail that supports best execution practices. By offering cloud-based hosting and scalable solutions, TransFICC enables its clients to adapt quickly to changes in trading venues, thereby enhancing their trading efficiency and competitiveness.

Eigen Technologies Limited is a company that specializes in intelligent document processing and natural language processing technology. Founded in 2014 and headquartered in London, with an additional office in New York, Eigen develops software that utilizes machine learning algorithms to extract and analyze data from complex documents. By recognizing patterns in text, Eigen's platform enables clients in the finance, law, and professional services sectors to efficiently retrieve specific information, automate processes, and adapt to regulatory requirements. The technology supports better decision-making by transforming unstructured data into actionable insights, while ensuring data security. Eigen serves notable clients, including major financial institutions, and is trusted by a significant portion of global systemically important banks to address their document and data challenges.

HQLAᵡ is a financial technology innovation firm specializing in liquidity and collateral management solutions for institutional clients in the global securities financing markets. Utilizing R3's Corda distributed ledger technology, HQLAᵡ aims to enhance the efficiency and transparency of collateral mobility within a fragmented securities settlement ecosystem. The firm has established a strategic partnership with Deutsche Börse Group to develop a joint operating model that improves liquidity management for market participants. HQLAᵡ provides a standardized marketplace that enables better tracking of digital collateral receipts, reduces systemic risks, and facilitates more fluid collateral transfers, thereby creating a more cost-effective and transparent environment for liquidity transactions in the securities lending and repo markets.

HQLAᵡ is a financial technology innovation firm specializing in liquidity and collateral management solutions for institutional clients in the global securities financing markets. Utilizing R3's Corda distributed ledger technology, HQLAᵡ aims to enhance the efficiency and transparency of collateral mobility within a fragmented securities settlement ecosystem. The firm has established a strategic partnership with Deutsche Börse Group to develop a joint operating model that improves liquidity management for market participants. HQLAᵡ provides a standardized marketplace that enables better tracking of digital collateral receipts, reduces systemic risks, and facilitates more fluid collateral transfers, thereby creating a more cost-effective and transparent environment for liquidity transactions in the securities lending and repo markets.

FinCompare GmbH is a fintech startup based in Berlin, Germany, that provides a financing platform tailored for small and medium-sized enterprises (SMEs). Founded in October 2016 by Stephan Heller, the company enables businesses to access a wide array of financing options, including corporate loans, factoring, leasing, warehouse financing, and mezzanine capital. Through its online platform, FinCompare allows users to independently compare offers from various banks, fintechs, and alternative financial services providers, simplifying the financing process with a digital application system. This one-stop destination for financing questions empowers SMEs to make informed decisions, facilitating their ability to secure loans from reliable lenders while enhancing risk management.

Contour is developing a decentralized trade finance network aimed at simplifying collaboration within the global trade ecosystem. By utilizing advanced technologies, the company seeks to eliminate barriers that hinder seamless trade, facilitating the instant flow of trusted data among banks, corporations, and various service providers. Contour's platform integrates with leading digital document systems and other digital networks, promoting a frictionless exchange of information across fragmented trade routes. This innovative approach enhances efficiency and transparency in trade finance, ultimately supporting a more interconnected global market.

Contour, Inc. is a manufacturer of hands-free video cameras and accessories designed for the action sports and adventure storytelling markets. The company offers a range of products, including CMOS sensor helmet cameras, wearable camcorders, and various mounting accessories suitable for different recreational activities. Additionally, Contour provides waterproof cases, live streaming products, and related storage solutions to enhance the user experience. Founded in 2003 and originally known as Twenty20 Inc., the company was headquartered in Seattle, Washington before relocating to Provo, Utah. Contour operates a location-based video community through its website, enabling users to share their action and adventure stories. The company distributes its products through a network of retailers and distributors. Contour, Inc. is a subsidiary of World Wide Licenses Ltd.

Developer of AI-based platform designed to detect relative value opportunities by systematically scanning the whole universe of bonds.

Flowcast Inc. is a technology company based in San Francisco, California, with an additional office in Singapore, specializing in machine learning and predictive analytics. Founded in 2015, Flowcast develops advanced algorithms that create predictive models to assess credit risk and enhance decision-making for financial institutions. Its key offerings include Smartcredit, which provides comprehensive company information for credit decisions; Smartclaims, which automates the deduction claims process; and Tillful, a platform that provides credit scores and access to credit offers. Flowcast's solutions leverage alternative and proprietary data to offer real-time monitoring of borrowers' creditworthiness, evaluating their ability to repay loans, the risk of delinquency, and the likelihood of dilution. The company aims to empower lenders to unlock credit for businesses of all sizes by simplifying complex data insights into actionable information, all without requiring extensive coding expertise.

Payconiq, founded in 2014, is a mobile payment platform that aims to transform the payment industry in Europe. The company has developed an app that facilitates omnichannel payments, allowing users to make quick and easy transactions in-store, online, and between friends. This platform not only streamlines the payment process for consumers but also helps merchants reduce checkout times and lower transaction fees compared to traditional payment methods. Payconiq operates in Belgium, the Netherlands, Germany, and Luxembourg, with local offices in each of these markets, enhancing its ability to cater to regional needs and preferences.

Twisto is a mobile payment application that offers a streamlined solution for online transactions. It allows users to make purchases with a single click through a connected Mastercard and supports Apple Pay. The app enables customers to manage their bills and invoices by taking photos of them, facilitating deferred payments and instant checkouts. Users can also utilize a virtual card or a payment bracelet for transactions, providing flexibility for payments at various locations. Additionally, Twisto ensures competitive exchange rates for international payments. The platform aggregates all transactions in an organized mobile interface, allowing users to settle their payments collectively at the end of each month.

Scoperty GmbH, founded in 2018 and based in Munich, Germany, specializes in real estate valuation services. The company operates a comprehensive database featuring approximately 35 million properties, enabling potential buyers to engage in a pre-market process where offers can be made on properties not yet officially listed for sale. This innovative approach allows property owners to accept offers before an auction begins. Additionally, Scoperty assists clients with finding brokers and navigating mortgage lending processes. By leveraging big data and artificial intelligence, Scoperty aims to enhance the quality of information available for residential real estate transactions and streamline the complex procedures involved in buying and selling properties.

Fintonic is a mobile-centric consumer banking platform founded in 2012 and based in Madrid, Spain. It provides users with access to a range of financial services, including insurance, investment products, and targeted loans. The platform allows users to consolidate their financial accounts and information, facilitating the analysis of millions of financial data points. Fintonic employs an algorithm that assesses users' eligibility for loans, presenting them with pre-approved options that can be easily contracted. The application prioritizes security and privacy, ensuring that users can conduct financial transactions safely and anonymously. Currently, Fintonic serves over 250,000 users across Spain and Chile.

Axyon AI SRL is a fintech company specializing in artificial intelligence-based software solutions for the banking and investment management sectors. Founded in 2016 and headquartered in Modena, Italy, with an office in London, Axyon AI develops advanced web applications that enhance decision-making for asset managers and corporate banks. Its flagship product, Axyon SynFinance, provides predictive analytics for liquidity, market conditions, and lead generation tailored for loan syndication desks. Another significant offering, Axyon IRIS, delivers periodic predictions on key financial metrics such as volatility and various performance ratios, aiding asset managers in strategy formulation. By leveraging deep learning technologies, Axyon AI creates customized predictive models that are designed to improve portfolio management and generate alpha, thereby facilitating innovative investment and risk management processes.

Funding Options Limited is a London-based financial technology company that operates an online platform designed to assist businesses in the United Kingdom in finding suitable financing options. Established in 2011, the company provides access to a wide range of financial products, including peer-to-peer loans, invoice finance, growth funding, and commercial mortgages. Its platform is tailored to facilitate funding for various situations, including those involving bad credit, late payments, and non-homeowners. Funding Options leverages modern web technology to enhance the financing process, offering services like pre-approval and real-time matching between clients and lenders through open banking data. Recognized as one of the most promising fintech firms globally, the company has received accolades for its innovative approach to lending. With an additional office in Manchester, Funding Options continues to support independent businesses in navigating their financing needs effectively.

Cobase is a technology company based in Mountain View, California, that operates a multi-bank platform designed to streamline access to various bank accounts and financial services. Founded in 2012, the platform serves as a centralized hub for small to medium-sized businesses, offering features such as a central payment hub, cash management, and treasury modules. By consolidating connections to multiple banks and financial service providers, Cobase enhances financial and operational efficiency for its users. The platform enables centralized management of users and authorization schemes across different subsidiaries or departments, simplifying security by requiring only one security token per user. Cobase aims to provide relevant and practical resources to business owners, facilitating better management of their financial operations.

TradeIX Ltd., established in 2016 and headquartered in Cork, Ireland, develops an open platform called TIX Platform designed to revolutionize trade finance through distributed ledger technology. The decentralized TIX Platform integrates seamlessly with existing systems via APIs, enabling secure data storage, automated contract enforcement, and efficient transaction settlement. It offers four key components: TIX Apps for customer-facing solutions, TIX Developer for API and SDK support, TIX Composer for trade finance orchestration, and TIX Core as the shared infrastructure. TradeIX collaborates with banks, corporates, and ERP providers to enhance global trade processes, providing financial institutions and investors access to trade flows and revenue opportunities. The company maintains offices in Dublin, London, and Singapore.

FinCompare GmbH is a fintech startup based in Berlin, Germany, that provides a financing platform tailored for small and medium-sized enterprises (SMEs). Founded in October 2016 by Stephan Heller, the company enables businesses to access a wide array of financing options, including corporate loans, factoring, leasing, warehouse financing, and mezzanine capital. Through its online platform, FinCompare allows users to independently compare offers from various banks, fintechs, and alternative financial services providers, simplifying the financing process with a digital application system. This one-stop destination for financing questions empowers SMEs to make informed decisions, facilitating their ability to secure loans from reliable lenders while enhancing risk management.

Clark is a Berlin-based insurance platform founded in June 2015 by Dr. Christopher Oster and Steffen Glomb. The company aims to simplify and enhance the insurance experience by providing transparent and affordable coverage options. Through its digital platform, available via iOS and Android applications as well as a website, Clark allows users to assess their insurance status and identifies opportunities for optimization by comparing tariffs from various insurance providers. By leveraging technology alongside insurance expertise, Clark offers customer-centric advice, enabling users to manage their insurance needs efficiently and cost-effectively. The company is supported by the FinTech incubator FinLeap and the Institute for Transparency, further enhancing its commitment to promoting clarity and fairness in the insurance industry.

Twisto is a mobile payment application that offers a streamlined solution for online transactions. It allows users to make purchases with a single click through a connected Mastercard and supports Apple Pay. The app enables customers to manage their bills and invoices by taking photos of them, facilitating deferred payments and instant checkouts. Users can also utilize a virtual card or a payment bracelet for transactions, providing flexibility for payments at various locations. Additionally, Twisto ensures competitive exchange rates for international payments. The platform aggregates all transactions in an organized mobile interface, allowing users to settle their payments collectively at the end of each month.

Payconiq, founded in 2014, is a mobile payment platform that aims to transform the payment industry in Europe. The company has developed an app that facilitates omnichannel payments, allowing users to make quick and easy transactions in-store, online, and between friends. This platform not only streamlines the payment process for consumers but also helps merchants reduce checkout times and lower transaction fees compared to traditional payment methods. Payconiq operates in Belgium, the Netherlands, Germany, and Luxembourg, with local offices in each of these markets, enhancing its ability to cater to regional needs and preferences.

Axyon AI SRL is a fintech company specializing in artificial intelligence-based software solutions for the banking and investment management sectors. Founded in 2016 and headquartered in Modena, Italy, with an office in London, Axyon AI develops advanced web applications that enhance decision-making for asset managers and corporate banks. Its flagship product, Axyon SynFinance, provides predictive analytics for liquidity, market conditions, and lead generation tailored for loan syndication desks. Another significant offering, Axyon IRIS, delivers periodic predictions on key financial metrics such as volatility and various performance ratios, aiding asset managers in strategy formulation. By leveraging deep learning technologies, Axyon AI creates customized predictive models that are designed to improve portfolio management and generate alpha, thereby facilitating innovative investment and risk management processes.

Axyon AI SRL is a fintech company specializing in artificial intelligence-based software solutions for the banking and investment management sectors. Founded in 2016 and headquartered in Modena, Italy, with an office in London, Axyon AI develops advanced web applications that enhance decision-making for asset managers and corporate banks. Its flagship product, Axyon SynFinance, provides predictive analytics for liquidity, market conditions, and lead generation tailored for loan syndication desks. Another significant offering, Axyon IRIS, delivers periodic predictions on key financial metrics such as volatility and various performance ratios, aiding asset managers in strategy formulation. By leveraging deep learning technologies, Axyon AI creates customized predictive models that are designed to improve portfolio management and generate alpha, thereby facilitating innovative investment and risk management processes.

Yolt is a company based in Amsterdam, Netherlands, with additional offices in London, UK, that specializes in developing a money management application. Founded in 2016, Yolt aims to empower users to take control of their finances through a user-friendly platform that aggregates accounts and provides personal financial insights. By allowing users to manage their finances across multiple banks and services in one place, Yolt leverages open banking to enhance financial management. The application is designed to simplify money management, making it an engaging and efficient experience for users.

Cobase is a technology company based in Mountain View, California, that operates a multi-bank platform designed to streamline access to various bank accounts and financial services. Founded in 2012, the platform serves as a centralized hub for small to medium-sized businesses, offering features such as a central payment hub, cash management, and treasury modules. By consolidating connections to multiple banks and financial service providers, Cobase enhances financial and operational efficiency for its users. The platform enables centralized management of users and authorization schemes across different subsidiaries or departments, simplifying security by requiring only one security token per user. Cobase aims to provide relevant and practical resources to business owners, facilitating better management of their financial operations.

WeLab Holdings Limited operates online and mobile lending platforms in Hong Kong and China. Founded in 2013, the company offers personal loan, balance transfer, and handset installment plan products through its platforms Wolaidai (China) and WeLend (Hong Kong). It leverages proprietary risk management technology to analyze unstructured mobile big data swiftly, enabling innovative consumer financing solutions. Additionally, WeLab partners with traditional financial institutions to provide B2B enterprise solutions, enhancing their services with fintech capabilities.

WeLab Holdings Limited operates online and mobile lending platforms in Hong Kong and China. Founded in 2013, the company offers personal loan, balance transfer, and handset installment plan products through its platforms Wolaidai (China) and WeLend (Hong Kong). It leverages proprietary risk management technology to analyze unstructured mobile big data swiftly, enabling innovative consumer financing solutions. Additionally, WeLab partners with traditional financial institutions to provide B2B enterprise solutions, enhancing their services with fintech capabilities.

Twyp is a free app that lets you pay money to your friends using your smartphone.

Kabbage, Inc. is a financial technology company that provides small businesses with automated access to funding through its online lending platform. Founded in 2008 and headquartered in Atlanta, Georgia, Kabbage simplifies the loan application process, allowing businesses to apply online and receive approval in minutes. The platform leverages various data sources, including revenue, accounting, and business transactions, to assess a company's financial health and determine appropriate credit lines, which can reach up to $250,000. Kabbage also offers a mobile application that enables users to manage their accounts and withdraw funds conveniently. In addition, the Kabbage Card allows businesses to make purchases directly from their credit lines at point-of-sale locations. Over the years, Kabbage has expanded its services to support both online and brick-and-mortar businesses and has gained recognition for its innovation in the lending industry.