Blackfin Technology

Descartes Underwriting is an insurtech company based in France that specializes in climate risk modeling and data-driven risk transfer. Founded in 2018, it operates as a managing general agency, underwriting insurance policies for a select group of first-tier insurers and reinsurers. The company provides innovative and affordable insurance solutions across various sectors, including agriculture, hospitality, mining, construction, energy, entertainment, and retail. It focuses on addressing risks associated with large-scale events such as flooding, wildfires, and droughts. In addition to insurance underwriting, Descartes Underwriting develops B2B2C solutions, offering tools like pricing engines, back-end systems, and APIs, along with claims management services.

Pretto is the only truly transparent online real estate price comparator.Pretto accompanies you until the signing of your loan, free of charge and without commitment.

Modularbank is a cloud-native banking platform that allows to establish a new banking business or digitally transform an existing one. The platform builds next-generation banking experiences both in the retail and business banking landscape. Its API based banking platform follows the microservice architecture and is composed of flexible and independent modules that cover end-to-end everyday banking processes. Modularbank also offers sophisticated and flexible modular-based banking not just to existing banks and challenger banks, but to any business wishing to quickly roll out tailored financial services to their customers. It was founded in 2018 and is based in Tallinn, Estonia.

Hypatos GmbH, founded in 2018 and located in Kleinmachnow, Germany, specializes in artificial intelligence systems aimed at automating the capture and processing of document data. The company focuses on enhancing financial document processing through its use of language processing AI and computer vision technology. Hypatos targets various business applications, including invoices, travel and expense management, loan application validation, and insurance claims. By offering pre-trained machine learning models as APIs and applications, Hypatos enables organizations to automate complex back-office processes, thereby increasing processing speed, reducing costs, and improving data quality.

Mooncard was created with an ambition: to put the new payment technologies at the service of the day-to-day management of all companies to enable them to gain in simplicity, efficiency and therefore profitability. Currently, many purchasing and spending processes remain manual and complex, ranging from routine purchases and expenses to expense claims. Businesses of any size, and often the small ones, lose valuable time to make and manage these payments. Mooncard completely transforms this situation by proposing an innovative payment solution, piloted in real time, secure and deployable very easily. Thanks to the most modern technologies (web, big data, IA ...) the payment and management circuit is completely automated. Mooncard supports all companies to enable them to take full advantage of the revolution of means of payment.

CAFPI offers individuals and professionals personalized support in applying for a mortgage.

HAWK:AI GmbH is a fintech company based in Munich, Germany, founded in 2018. The company specializes in providing a platform for detecting and investigating money laundering activities, employing machine-learning techniques to enhance the capabilities of financial institutions in combating financial crime. HAWK:AI offers an end-to-end solution that streamlines the financial crime compliance process, including transaction monitoring, investigation, filing, and maintaining audit trails. By leveraging advanced technology, HAWK:AI aims to deliver a more effective approach to addressing the challenges of financial crime in the banking and financial sector.

Akur8, based in Paris, France, is a company that specializes in an AI-driven insurance pricing platform. Founded in 2018, it focuses on providing insurance carriers with advanced pricing automation and optimization solutions. The platform integrates cutting-edge algorithms that can quickly identify anomalies and uncover new patterns, allowing for the creation and updating of pricing models at a significantly faster rate than traditional methods. By streamlining the pricing process—from data preparation to commercial optimization—Akur8 enables insurance companies to enhance their profitability and gain a competitive edge in the market.

Memo Bank is a new bank for small & medium-sized businesses.

Agicap develops and sells a SaaS platform for SMBs to manage and forecast their cash flows. Agicap allows business owners to build dynamic, reliable forecasts and have real-time visibility over their current and future cash position. This data, which can be easily shared with banks, makes it easier for SMBs to access financing options and reduces the risk of bankruptcy.

Epsor designs and distributes employee savings and retirement plans. The company has thus built an easy-to-deploy digital platform with a transparent pricing policy. Compared to other market players, Epsor’s product offering is cheaper and relies on an open architecture, meaning that employees can select funds from various asset managers in accordance with their goals and risk appetite. Epsor also offers tailor-made advises to employees.

Bdeo Technologies SL specializes in claims and underwriting automation for the insurance sector. The company has developed a visual intelligence platform that utilizes artificial intelligence to analyze multimedia information, generating documentary evidence essential for processing insurance claims. Bdeo's solution enhances the customer experience from the underwriting phase through to claims processing, enabling insurers to assess risks, identify damage, and provide real-time evaluations. This capability helps insurance companies detect fraud and expedite claims payments when warranted. Founded in 2017, Bdeo is headquartered in Madrid, Spain, with an additional office in Mexico City, Mexico.

Descartes Underwriting is an insurtech company based in France that specializes in climate risk modeling and data-driven risk transfer. Founded in 2018, it operates as a managing general agency, underwriting insurance policies for a select group of first-tier insurers and reinsurers. The company provides innovative and affordable insurance solutions across various sectors, including agriculture, hospitality, mining, construction, energy, entertainment, and retail. It focuses on addressing risks associated with large-scale events such as flooding, wildfires, and droughts. In addition to insurance underwriting, Descartes Underwriting develops B2B2C solutions, offering tools like pricing engines, back-end systems, and APIs, along with claims management services.

Hypatos GmbH, founded in 2018 and located in Kleinmachnow, Germany, specializes in artificial intelligence systems aimed at automating the capture and processing of document data. The company focuses on enhancing financial document processing through its use of language processing AI and computer vision technology. Hypatos targets various business applications, including invoices, travel and expense management, loan application validation, and insurance claims. By offering pre-trained machine learning models as APIs and applications, Hypatos enables organizations to automate complex back-office processes, thereby increasing processing speed, reducing costs, and improving data quality.

Likvido provides SMEs with a platform for automating the invoice management and the collection processes in a user-friendly way. The prediction engine enable the company to forecast the risk and cash flow for each specific invoice. By understanding real-time transactional risk for all transactions, they will long term be able to offer financing and credit insurance for SMEs.

Agicap develops and sells a SaaS platform for SMBs to manage and forecast their cash flows. Agicap allows business owners to build dynamic, reliable forecasts and have real-time visibility over their current and future cash position. This data, which can be easily shared with banks, makes it easier for SMBs to access financing options and reduces the risk of bankruptcy.

Akur8, based in Paris, France, is a company that specializes in an AI-driven insurance pricing platform. Founded in 2018, it focuses on providing insurance carriers with advanced pricing automation and optimization solutions. The platform integrates cutting-edge algorithms that can quickly identify anomalies and uncover new patterns, allowing for the creation and updating of pricing models at a significantly faster rate than traditional methods. By streamlining the pricing process—from data preparation to commercial optimization—Akur8 enables insurance companies to enhance their profitability and gain a competitive edge in the market.

AESTIAM S.A. is a Paris-based company that manages a portfolio of real estate investment companies (SCPIs), focusing on the investment, leasing, and operation of real estate properties. Founded in 2015, AESTIAM provides collective real estate investment solutions, emphasizing trust and respect in its relationships with clients, associates, and partners. The company was previously known as Foncia Pierre Gestion S.A. before rebranding in June 2020.

Agicap develops and sells a SaaS platform for SMBs to manage and forecast their cash flows. Agicap allows business owners to build dynamic, reliable forecasts and have real-time visibility over their current and future cash position. This data, which can be easily shared with banks, makes it easier for SMBs to access financing options and reduces the risk of bankruptcy.

Epsor designs and distributes employee savings and retirement plans. The company has thus built an easy-to-deploy digital platform with a transparent pricing policy. Compared to other market players, Epsor’s product offering is cheaper and relies on an open architecture, meaning that employees can select funds from various asset managers in accordance with their goals and risk appetite. Epsor also offers tailor-made advises to employees.

Groupe Consultim is an independent distribution platform of managed properties for retail investors in France.The company services include brokerage, financing, accounting and property management which uses a pragmatic approach that covers the entire value chain of investment for the retail investors.

ViaBill is a developer of an online billing system designed to offer smooth invoicing and debtor handling services for online stores. The company's online billing system offer a flexible form of payment, where the electronic merchant is at the center and can share the payment and pay for goods and experiences over a period of 24 months fee and interest free, enabling clients to bring about a boost in conversion rates as well as an increase in order values from e-customers who prefer to pay electronically.

Descartes Underwriting is an insurtech company based in France that specializes in climate risk modeling and data-driven risk transfer. Founded in 2018, it operates as a managing general agency, underwriting insurance policies for a select group of first-tier insurers and reinsurers. The company provides innovative and affordable insurance solutions across various sectors, including agriculture, hospitality, mining, construction, energy, entertainment, and retail. It focuses on addressing risks associated with large-scale events such as flooding, wildfires, and droughts. In addition to insurance underwriting, Descartes Underwriting develops B2B2C solutions, offering tools like pricing engines, back-end systems, and APIs, along with claims management services.

Pretto is the only truly transparent online real estate price comparator.Pretto accompanies you until the signing of your loan, free of charge and without commitment.

Ravelin Technology Ltd operates a fraud detection platform designed for online businesses, particularly focusing on e-commerce merchants and online marketplaces. Established in 2014 and headquartered in London, with an additional office in New York, Ravelin leverages artificial intelligence to analyze customer behavior and transaction data in real-time. The platform assesses this information to generate fraud detection scores, allowing companies to identify and block potential fraudsters before transactions are completed. By integrating with clients' systems through an API, Ravelin not only addresses immediate fraud concerns but also equips businesses with tools to prevent future incidents.

Nortia is a designer of financial solutions in life insurance, capitalization, and securities accounts. The Group Nortia is a distribution platform dedicated to independent financial advisors (500+ IFAs) offering life insurance products, other wealth management products and securities accounts to mass affluent individuals (30.000+ end-customers). As these products are complex, we have chosen to distribute them exclusively through a network of Independent Wealth Management Consultants; They alone are able to understand the different parameters of these products, and to provide listening, availability and personalized relationship, essential to the prescription of an informed advice.

FRISS has 100% dedication to fraud, risk and compliance for non-life insurance companies worldwide. FRISS helps insurers to achieve profitable portfolio growth and improve their perception in the market as a trustworthy insurer. FRISS is a ready-to-use business solution and improves the insurers' loss ratios by identifying high risks and fraud at quotation, underwriting and claim handling across all private and commercial lines. The FRISS® Score enables better decisions since it indicates the risk for each quotation, policy or claim. FRISS is global market leader with 150+ implementations in over 30 countries. FRISS (www.friss.com) offers a complete solution for fraud, risk and compliance. ☆ Risk assessment at underwriting ☆ Generate profitable growth for your portfolio by real-time automated detection and assessment of risks during the underwriting process. It is important to prevent fraud and assess risks by having a holistic view of prospects before they enter your portfolio. The FRISS underwriting solution provides an intelligent and uniform risk estimation, which is proven to improve the combined ratio significantly. ☆ Prevent and detect fraud at claims ☆ The general assumption is that, at average, around 10% of all Insurance Claims are tied to some sort of fraud. In order to finance these malicious claims, we all pay additional for our Insurance Policies. Three things are important: - How to detect fraud correctly and efficiently? - How to detect malicious customers in time? - How do you handle this in your daily operational business? Reduce your loss ratio by increasing the chances of detecting fraud and limit false positives to a minimum. Use automated fraud detection during the claims process to make an accurate and objective estimation of the risks related to a claim. It improves straight through processing (STP), and claims that need further attention will be recognized directly. ☆ Become and stay compliant ☆ Compliance concerns all insurance processes. Become and stay compliant with the latest legislation and regulations. Knowing and screening your customers will prevent reputational damage and avoids high penalties. Gain insight into Ultimate Beneficial Owners (UBOs). This will enhance the quality of your underwriting process. Furthermore, administrative burdens will be reduced to a minimum. FRISS is recognized by Gartner in 2014 as the European market leader and striving to become the global leader.

Buckaroo B.V. is a prominent provider of online billing and payment services based in Utrecht, the Netherlands. Established in 2001, the company specializes in delivering comprehensive payment solutions to E-commerce clients, including innovative payment gateways, subscription services, and credit management. Buckaroo supports a wide range of payment methods, such as credit cards, direct debits, iDEAL, Giropay, PayPal, and online bank transfers, catering to the needs of over 5,000 customers and more than 200 partners. The company has garnered recognition as the Best Payment Provider in the Netherlands by Emerce Top 100 for four consecutive years. With its extensive experience, Buckaroo provides a fully digitized invoicing system and efficient payment collection processes, ensuring a customer-friendly experience for both B2B and B2C transactions.

Moneo Payment Solutions paved the way for the dematerialization of restaurant vouchers in France by launching in March 2013 the Moneo Resto brand: the first restaurant-meal card, in partnership with SFPMEI (Société Financière Acgréée by the Banque de France and Emettrice of the Moneo Resto card).The Moneo Resto Card is the Simple, Secure and Economic solution for modernizing business management. With Moneo Resto, restaurant vouchers are credited each month to a card.

Rouaix Finances has been a leader in credit consolidation for more than 25 years. In 2008, the company changed its name to that of Rouaix Finances. It acquires a new head office in downtown Toulouse and a computer application to improve the process of processing cases. Rouaix Finances is composed of: - Commercial attachés who are in charge of the prescribing relations and the follow-up of their files. - Operational staff who are in charge of the customer relationship. They make business proposals, build files and follow the client until financing. - Administrative. The general and administrative directorates are grouped together at the head office in Toulouse.

FundRock is a leading independent third party UCITS Management Company and AIFM, providing services for Luxembourg, Ireland and UK based funds. FundRock provides substance through solid risk management, oversight, compliance and through the comprehensive knowledge of its over 90 strong team. FundRock’s multinational team speaks more 20 languages and is well placed to support asset managers across borders with local market insight and global connectivity. FundRock has developed an independent fund management model that integrates seamlessly with its clients’ in-house approach, giving them full control of making the investment decisions.

The New Access group is a leader in the private banking software industry. It has offices in Geneva and Singapore. The group offers software solutions in banking relationship management with Branch®, in asset and advisory management with Equalizer®, in electronic document management with Logical Access® Suite, in client reports production with Xeres and legal documents production with Docs.

The Primonial group imagines, selects, and designs heritage management solutions in open architecture, adapted to savers' issues, with heritage, financial, tax and legal expertise.

Santiane.fr, a subsidiary of Groupe Santiane SAS, specializes in health insurance brokerage in France. Founded in 2006 and headquartered in Nice, the company provides a user-friendly online platform for individuals and businesses to compare medical and supplementary health insurance options. Santiane.fr offers a simplified comparison tool that allows clients to filter and select insurance plans tailored to their specific needs. The platform is supported by a team of over 200 advisors who assist customers throughout the selection process, ensuring transparent access to competitive insurance offerings. In addition to health insurance, Santiane.fr also provides guidance on other types of coverage, including life, funeral, and pet insurance. With a strong emphasis on customer satisfaction, the company has garnered over 78,000 reviews, achieving a high average satisfaction rating. By utilizing a secure, digital process, Santiane.fr aims to make the comparison and subscription of health insurance straightforward and accessible for all clients.

The LSA Brokerage Group markets its products under the brand name Assurpeople.com and offers auto contracts for all profiles. From the young driver to the terminated to the mischievous, LSA Courtage guarantees all motorists. LSA Courtage's goal is to always find the best offer from its partners, taking into account the driver's profile and needs. LSA Courtage accepts certain profiles that have experienced insurance rejections because LSA Courtage believes in your responsible conduct. LSA Courtage's offers also extend to home, two-wheel, health and school insurance.

The LSA Brokerage Group markets its products under the brand name Assurpeople.com and offers auto contracts for all profiles. From the young driver to the terminated to the mischievous, LSA Courtage guarantees all motorists. LSA Courtage's goal is to always find the best offer from its partners, taking into account the driver's profile and needs. LSA Courtage accepts certain profiles that have experienced insurance rejections because LSA Courtage believes in your responsible conduct. LSA Courtage's offers also extend to home, two-wheel, health and school insurance.

AMfine is a fast-track provider of agile fund and regulatory reporting services for buy-side firms. AMfine provides an end-to-end managed service and software to asset managers, insurance firms, and asset servicers. AMfine enables buy-side firms to consolidate their fund and regulatory reporting into one source, resulting in massive cost efficiencies for your firm.

AMfine is a fast-track provider of agile fund and regulatory reporting services for buy-side firms. AMfine provides an end-to-end managed service and software to asset managers, insurance firms, and asset servicers. AMfine enables buy-side firms to consolidate their fund and regulatory reporting into one source, resulting in massive cost efficiencies for your firm.

Decalog SA, founded in 1987 and based in Guilherand-Granges, France, specializes in developing software tailored for the management of libraries, media libraries, and museums across Europe, America, Africa, and Asia. With a workforce of 45 employees, the company focuses on providing solutions that meet the specific needs of professionals in these sectors. Decalog's software offerings facilitate efficient management and organization within libraries and media centers, enhancing the user experience and optimizing operational processes.

NeoXam provides asset management and capital market firms with cost-efficient, proven, and mission-critical solutions. NeoXam is a financial software company, delivering solutions and services for 150+ customers in 25 countries worldwide. NeoXam is committed to its clients’ success, delivering reliable and scalable solutions, processing more than $14 trillion worth of assets per day and serving over 10,000 users. Through its combined talents and transparent approach, NeoXam helps buy- and sell-side players address the continuous changes in the financial market industry, to grow and better serve their clients. NeoXam relies on 450+ staff with offices in Paris, Frankfurt, Luxembourg, Zurich, Geneva, Milan, New York, Boston, Hong Kong, Shanghai, Beijing, Tunis and Cape Town.

YouTransactor reinvents payment in mobility for merchants and professional with the next generation of shopping experience. Present in 23 countries across 5 continents, with a strong development in Brazil and Europe, we support over 2.5 million retailers and merchants with our mobile POS solutions. We help Acquirers, Merchants service providers, PSP and System integrators to accept Contactless, Chip Card and QR code payments for consumers all over the world. We provide mPOS terminals, secure chip and module, payment applications and card acceptance solution for transport, delivery and retail markets. YouTransactor’s main shareholder is BlackFin Capital Partners, a private equity focusing on asset-light businesses in FinTech across continental Europe.

Comparadise Groupe provides online insurance and online banking and credit services. The company provides comparison between different insurance policies. The company comprises insurance of vehicle, animal, health, housing, financials and professionals. The company was founded in 2012 and is based in Paris, France. As of October 30, 2020, Comparadise Groupe operates as a subsidiary of April SA.

Finanzen.de AG, founded in 2004 and based in Berlin, Germany, specializes in providing a comprehensive array of financial and insurance services across France, Switzerland, and the United Kingdom. The company offers advisory services in various sectors, including car insurance, liability coverage, legal expenses, travel insurance, health insurance, and retirement planning. Additionally, it provides investment solutions, loans, and savings contracts. As a subsidiary of Mercato Leadmanagement Investments GmbH, Finanzen.de AG has established itself as a key player in marketplace technology for insurance and finance leads, connecting lead providers with independent brokers, agents, and financial advisors. Its operations encompass a broad product range, capitalizing on the growing trend of consumers researching online before making purchases offline.

Finanzen.de AG, founded in 2004 and based in Berlin, Germany, specializes in providing a comprehensive array of financial and insurance services across France, Switzerland, and the United Kingdom. The company offers advisory services in various sectors, including car insurance, liability coverage, legal expenses, travel insurance, health insurance, and retirement planning. Additionally, it provides investment solutions, loans, and savings contracts. As a subsidiary of Mercato Leadmanagement Investments GmbH, Finanzen.de AG has established itself as a key player in marketplace technology for insurance and finance leads, connecting lead providers with independent brokers, agents, and financial advisors. Its operations encompass a broad product range, capitalizing on the growing trend of consumers researching online before making purchases offline.

Finanzen.de AG, founded in 2004 and based in Berlin, Germany, specializes in providing a comprehensive array of financial and insurance services across France, Switzerland, and the United Kingdom. The company offers advisory services in various sectors, including car insurance, liability coverage, legal expenses, travel insurance, health insurance, and retirement planning. Additionally, it provides investment solutions, loans, and savings contracts. As a subsidiary of Mercato Leadmanagement Investments GmbH, Finanzen.de AG has established itself as a key player in marketplace technology for insurance and finance leads, connecting lead providers with independent brokers, agents, and financial advisors. Its operations encompass a broad product range, capitalizing on the growing trend of consumers researching online before making purchases offline.

Compamut SA runs health insurance focused comparison website. The company was incorporated in 2008 and is based in Marseille, France.

Cyrus Conseil is an independent wealth manager providing advisory services, asset management and real estate investment solutions with more than €2.0b Assets under Advisory and nearly 2,300 clients with its 135 employees.

MisterAssur provides a free online service through its website www.misterassur.com, which enables Internet users to compare a wide range of insurance products by price and features and then subscribe online or over the phone. MisterAssur works with a wide panel of insurers and brokers, and benefits from a strong presence in niche markets including motorbike, camping car and pet insurance.

Chiarezza is an online insurance platform based in Milan, Italy, founded in 2010. The company specializes in providing price comparison services for a variety of insurance products, allowing users to compare options based on price and features. Its platform functions as an insurance aggregator, enabling customers to analyze plans for car and motorcycle insurance, as well as coverage for fire and theft. Chiarezza offers its services through its website, allowing users to subscribe online or over the phone. The company collaborates with a diverse range of direct insurers and operates on a brokerage fee model, earning revenue from subscription fees and policy renewals.

Kepler Cheuvreux is a independent European financial services company specialized in advisory services and intermediation to the investment management industry. Founded in Paris in July 1997 as the equity brokerage business of Bank Julius Baer, the Swiss private bank.

Applicam provides companies and communities with payment solutions. The company has a unique expertise in the design and operation of payment, multi-service and multi-media solutions. In 2011, Applicam, cards systems specialist was bought by the French investment fund BlackFin Capital Partners. Over the past 5 years, Applicam has significantly expanded its range of services in electronic banking platform, multi-service, multi-support (paper, card, mobile) and multi-channel (paper, web, mobile). It has gained a strong position in the management of support, grants from local authorities and fuel cards. Moreover, developed different platforms, such as the management and control of access to sports complexes (swimming pools, skating rinks, aquatic complexes, and leisure.

Moneo Payment Solutions is a Paris-based company that specializes in micro payment services, enabling customers to make small purchases through a card service. Founded in 1999, the company has established itself as a leader in electronic purse and contactless payment solutions over the past decade. As of April 2017, Moneo operates as a subsidiary of Edenred SA, further enhancing its capabilities in the payment solutions market.

Owliance provides insurance business process outsourcing (BPO) services. Owliance has been one of the players in white label third-party management and one of the only independent players able to cover the entire French insurance market: - P & C - Life and health insurance - Owliance borrower assists brokers, insurance companies, mutuals, provident institutions, banks, bancassurers and experts in their management activity by performing services such as BPO (Front Office, Business Back Office, Assistance, Editing / Scanning) and ITO (Plug and Play, Lift and Drop, Support Activities, Specific Developments).

ProterixBio, Inc. specializes in developing disease management platforms aimed at improving patient outcomes in chronic respiratory diseases, particularly chronic obstructive pulmonary disease, cystic fibrosis, and idiopathic pulmonary fibrosis. The company utilizes its proprietary ViBE platform and Acoustic Membrane MicroParticle (AMMP) assays to facilitate the precise analysis of proteins in various biological samples, including blood and sputum. The AMMP technology employs a non-optical, homogeneous assay approach, which enhances the sensitivity and specificity of traditional reagents through the integration of biological capture strategies and advanced acoustic sensors. By providing real-time biological assessments of a patient's disease state, ProterixBio's products support healthcare providers in managing chronic conditions more effectively, reducing the need for hospitalizations, and ultimately lowering healthcare costs. Founded in 2002 and based in Billerica, Massachusetts, ProterixBio was previously known as BioScale, Inc. before rebranding in May 2016.

ProterixBio, Inc. specializes in developing disease management platforms aimed at improving patient outcomes in chronic respiratory diseases, particularly chronic obstructive pulmonary disease, cystic fibrosis, and idiopathic pulmonary fibrosis. The company utilizes its proprietary ViBE platform and Acoustic Membrane MicroParticle (AMMP) assays to facilitate the precise analysis of proteins in various biological samples, including blood and sputum. The AMMP technology employs a non-optical, homogeneous assay approach, which enhances the sensitivity and specificity of traditional reagents through the integration of biological capture strategies and advanced acoustic sensors. By providing real-time biological assessments of a patient's disease state, ProterixBio's products support healthcare providers in managing chronic conditions more effectively, reducing the need for hospitalizations, and ultimately lowering healthcare costs. Founded in 2002 and based in Billerica, Massachusetts, ProterixBio was previously known as BioScale, Inc. before rebranding in May 2016.

Balihoo, Inc. specializes in providing automated marketing software solutions tailored for hyper-local campaigns, primarily aimed at national brands and their agencies. The company offers a suite of tools designed to enhance local marketing efforts, including Local Websites for generating leads through optimized web presence, Local Paid Search to attract local customers, and Local Email for targeted communication. Additionally, Balihoo provides Local Direct Mail for event-based outreach, social media solutions for localized content, and an Ad Builder for distributing messages across various media platforms. The Co-op feature facilitates financial transactions among national brands, local affiliates, and media outlets. Founded in 2004 and based in Boise, Idaho, with an office in Chicago, Balihoo streamlines local marketing execution, allowing brands to efficiently connect with their audience while minimizing administrative burdens.