AleFi is a social investing app that connects retail investors with credible finance content creators, allowing users to explore successful investors' portfolios and gain insights into their investment strategies. The platform enables users to view investments, profitability, and portfolio composition in real-time, enhancing their decision-making process. By leveraging the existing follower base of finance influencers on social media, AleFi adds credibility to their trades and facilitates a community of shared knowledge among investors. Users can subscribe for a monthly fee to access the trading portfolios of these successful investors, with the company and the investor sharing the fees. Through this model, AleFi aims to empower retail investors by providing them with the tools and information necessary to make informed investment choices.
VoiceScript, Inc. is a leading supplier of legal technology and SaaS solutions designed to modernize the court reporting and legal industries. VoiceScript products and services allow court reporting agencies to deliver the industry's best and most efficient court reporting services while also significantly reducing production costs and delivery times for certified legal transcripts. By partnering with VoiceScript, court reporting agencies can quickly scale their digital court reporting business, while dramatically improving their overall profitability.
PTO Exchange is a company that specializes in transforming the value of paid time off for both employers and employees through its SaaS-based platform. This innovative service allows employees to convert unused paid time off into various tangible benefits, including vacations, retirement funding, student loan payments, and charitable donations. By facilitating these exchanges, PTO Exchange enables companies to enhance their benefits packages, thereby improving employee retention while also managing their financial resources effectively. The platform also offers options for employees to share their time off with colleagues or donate it to non-profit organizations, further promoting a culture of support within the workplace.
Orem, Utah-based ASA is an embedded fintech solution that connects financial institutions with customer-facing fintechs in a secure, compliant and easy to implement marketplace. With ASA, banks and credit unions are innovating more quickly, fintechs are scaling more easily and end users are empowered to take control of their data and finances. Learn more at asa.financial.
InsureLife is a company that has created an AI-powered digital platform aimed at connecting insurers with potential insurance buyers. By delivering personalized insurance advice through short videos, InsureLife helps consumers understand their options and recommends suitable insurance products. This approach not only assists buyers in making informed decisions but also enables insurers and reinsurers to identify and reach appropriate customers effectively.
Bundle is an online marketplace that connects homebuyers with mortgage loan officers while ensuring anonymity to reduce unwanted communication. The platform simplifies the mortgage process, empowering users to take control by providing essential resources for understanding home buying, budgeting, and comparing mortgage rates. It aims to create a comfortable entry point for individuals navigating the complexities of securing a mortgage, allowing them to explore options and engage with lenders without the pressure of direct interactions. Through its user-friendly tools, Bundle enables borrowers to make informed decisions in a secure and private environment.
Konduit is a no-code fintech infrastructure established in 2021 and based in Reston, Virginia. It facilitates the seamless integration of banks and fintech solutions, enabling financial institutions to quickly adopt third-party technologies. The platform provides real-time pre-qualified rates for consumer loans, significantly reducing costs for lenders. It allows borrowers to access optimal rates for student refinancing and personal loans from local credit unions and mid-sized financial institutions. By combining various fintech solutions, Konduit helps lenders address comprehensive business needs while supporting borrowers in managing their debt effectively and connecting them with local lending options.
EPICA is a technology venture focused on enhancing decision-making for businesses through the real-time analysis of audience behavior patterns. Utilizing a sophisticated platform that integrates artificial intelligence with big data, EPICA tracks and predicts consumer behavior by leveraging both online and offline data. This approach provides businesses with detailed insights into consumer journeys, allowing them to understand audience dynamics with remarkable granularity. By managing personalized and segmented audiences, EPICA empowers clients to make informed decisions based on comprehensive data analysis, ultimately helping them achieve their objectives more effectively.
HEXANIKA provides customers with innovative and self service data solutions to address various data challenges such as data quality, governance and cost of data management. Customers can leverage our out-of-the-box, ready to use, patented algorithms based on Artificial Intelligence (AI) and Big Data. HEXANIKA also offers out of the box regulatory reports for Banking and financial institutions that can be availed on a subscription basis.
Timechain specializes in facilitating large international payments to suppliers through blockchain technology while enhancing traditional Know Your Customer (KYC) and Anti-Money Laundering (AML) processes. By analyzing user transaction data from bank accounts and accounting software, Timechain can proactively identify potential fraud, fake identities, and shell companies. Additionally, the company offers a cryptocurrency wallet platform that allows users to buy, sell, trade, and manage various cryptocurrencies. This platform provides an efficient means for traders to hold and communicate about their crypto assets, thereby streamlining the trading of crypto tokens.
knnct is a developer of a peer-to-peer platform designed to streamline the lending process for mortgage professionals. By utilizing artificial intelligence, the platform connects borrowers with lenders by analyzing and matching deals based on specific lending criteria. Clients can easily post their lending needs, which the system evaluates to generate multiple offers from suitable lenders quickly. This approach simplifies the lending experience, making it faster and more efficient for all parties involved, while also creating new business opportunities for lenders.
ArchiveCore is a verification software company that specializes in simplifying the credentialing process across various professions, including healthcare, education, skilled trades, and engineering. By utilizing cloud-based technology and distributed ledger systems, ArchiveCore addresses the challenges associated with verifying training and competency, particularly in the healthcare sector. Each credential issued through their platform features a unique digital fingerprint, enabling employers to authenticate the qualifications of potential hires efficiently. This innovative approach reduces administrative delays and facilitates timely patient care, ultimately enhancing the quality of healthcare services available to patients.
Steamchain Corp (steamchaincorp.com) is a Fin-Tech company that simplifies global B2B payments in the multi-trillion dollar shipping and logistics industries. Our patent pending solution dramatically reduces the high cost of currency conversion and currency fluctuation risk in a low margin industry. Our secure platform allows clients to create smart contracts (e.g. transactions) with a programable payment method in the country currency of their choice. Our technology road map calls for AI to help enhance our customer experience as well as reduce cost. We have onboarded multiple billion dollar clients and are actively ramping our revenue
Ethos offers personalized ESG data and software for financial advisors, asset managers, institutions, and investors. The company's software helps in aligning money with causes such as racial justice, climate action, LGBTQ equality, mental health, gender equality, education, and more.
Qoins is a financial wellness app that helps consumers achieve their financial goals by combining financial education and automation. Qoins develops an automated micro-payment platform created to pay off debt early with the spare change from bank transactions. The platform uses round-up technology on daily credit card purchases and calculates spare change from the previous month and makes an additional payment to users' student loans or credit cards, enabling them to save money and get more purchasing power in the future.
Qualtik, Inc. is a company that offers a specialized platform aimed at enhancing the analysis and reporting of commercial real estate loan portfolios. Founded in 2019 and headquartered in Portland, Oregon, with an additional office in Austin, Texas, Qualtik's platform, known as Spark, provides tools for real-time valuation, stress testing, scenario analysis, and reporting on both individual assets and entire portfolios. It enables commercial lenders, including banks, debt funds, and credit unions, to efficiently manage their real estate and collateralized debt portfolios. The platform's advanced filtering capabilities allow users to analyze their loan portfolios and uncover insights, thereby facilitating proactive risk management and strategic decision-making.
Lenme is a mobile application designed to streamline peer-to-peer lending and borrowing, addressing the needs of millions of Americans who require small loans for unexpected expenses. The platform connects borrowers seeking flexible loan options with lenders interested in earning returns on their investments. By leveraging extensive data on each borrower, Lenme enables lenders to offer competitive rates, reducing the average high costs associated with traditional lending methods, which often lead to exorbitant interest rates. This approach not only provides borrowers with an alternative to traditional financing options, such as bank loans and credit cards, but also allows investors to participate in a less volatile investment market. Overall, Lenme aims to create a more accessible and efficient lending ecosystem.
Sabius is a financial platform aimed at assisting self-employed individuals and freelancers in managing their income tax obligations. The platform enables users to efficiently track their income, expenses, and overall tax liability. By providing insights into their financial situation, Sabius simplifies the process of filing annual tax returns. Additionally, the platform facilitates connections between users and tax consultants, ensuring that freelancers and contractors can receive professional assistance when preparing for self-assessment filing. Through its automated tools and expert connections, Sabius aims to streamline tax management for its users.
Isogriv specializes in no-code enterprise artificial intelligence solutions aimed at both technical and non-technical users. The company has developed a platform that integrates various data science tools, enabling users to predict outcomes related to catalysts. This platform provides precise probabilities on binary catalysts and assesses risks associated with extensive data flows in legal and financial contexts. Additionally, Isogriv enhances existing content to make it actionable, allowing clients to leverage adaptable artificial intelligence powered by natural language processing.
Mission “Providing superior real estate services to renters transitioning into homeownership through co-ownership”. About Cher® is the first real estate platform helping renters earning low to moderate income achieve homeownership. We do this by utilizing our all-in-one software and hands on support that streamlines the process of shared homeownership where buyers co-own to build equity in higher rates of appreciating homes, and later sell their fractional ownership. Our services provide accessibility to competitive in-house loan products, customer service support, legal contracts, TIC Loans, LLC formations, down payment assistance, data feeds to thousands of homes via MLS partnerships, Real Estate Brokers, educational resources, and opportunities to meet other pre-qualified buyers to co-own with or fractionally sell to. Our co-ownership programs and unique loan options with down payment assistance enable renters to transition into homeownership and build equity for the first time.
TRATO is a developer of contract lifecycle management software designed to simplify and automate legal processes for financial institutions and law firms. The platform utilizes blockchain technology to streamline the entire flow of contracts, encompassing creation, collaboration, the use of electronic signatures, and monitoring. By offering a thorough analysis of existing legal processes, TRATO's experienced legal-tech experts help organizations enhance the efficiency of their contract management. This comprehensive approach enables clients to manage, execute, and report on various types of contracts more effectively.
Cirrus Secure, Inc. specializes in providing a loan document collection platform tailored for the banking industry. The company's flagship product, Cirrus, is a document management software that facilitates the organization and secure collection of loan documents. It features a Secure Document Collection Portal that allows borrowers and their advisors to view an electronic checklist of required documents, upload sensitive files securely, and monitor the status of their loan deals throughout the process. By streamlining document management and automating collection tasks, Cirrus enhances collaboration and reduces confusion in loan transactions. Cirrus Secure was incorporated in 2020 and is headquartered in Evergreen, Colorado.
FINBOA is a developer of software solutions that automate back-office processes, particularly in the areas of regulatory compliance and payment disputes. The company offers a SaaS-based platform designed to replace manual compliance systems with intelligent automation, providing secure and efficient alternatives for financial institutions. By delivering pre-built workflow solutions, FINBOA addresses the challenges associated with manual processes across various payment types. This automation allows banks and other financial organizations to enhance staff productivity, improve customer experiences, and foster growth by enabling them to focus on more meaningful work.
WeatherCheck, Inc. is a weather monitoring company based in Louisville, Kentucky, established in 2015. It specializes in tracking severe weather events, including hail, wildfires, tornadoes, floods, blizzards, heat waves, and cold snaps, providing timely alerts to property managers. The company's platform offers critical information on impending storms and their potential impacts, particularly in the 24 hours leading up to and following such events. This service is tailored for insurance carriers, mortgage companies, and property owners, enabling them to take proactive measures to mitigate damage and facilitate restoration efforts. WeatherCheck aims to enhance awareness and preparedness in the face of dynamic weather conditions across the United States.
Redactable provides an artificial intelligence-based platform designed to assist companies in permanently redacting sensitive documents. The platform offers a range of features, including automation of search processes, pattern redaction, manual redaction, workflow management, and cloud collaboration. Additionally, it supports document scrubbing and two-way integrations, all aimed at enhancing organizational productivity. By streamlining the redaction process, Redactable enables businesses to efficiently manage their confidential information while maintaining compliance and security.
Apteo, Inc. is a data-driven platform that leverages artificial intelligence to assist institutions and individuals in managing, segmenting, and forecasting data. Founded in 2017 and based in New York, the company primarily serves a diverse clientele, including buy-side customers such as long-only investors, hedge funds, and private equity firms, as well as sell-side clients like investment banks and financial advisors. Apteo focuses on enhancing eCommerce and SaaS marketing efforts by predicting user behavior, which helps organizations identify customers at risk of churn and determine optimal re-engagement strategies. By connecting their data seamlessly, users can access pre-built reports to score and segment customers, discover key churn drivers, and identify upsell opportunities, ultimately improving retention and maximizing repeat purchases.
ExSeed is a Digital Education Industry.
Froogal offers a software-based wealth management engine that delivers automated financial planning tools.
BoxMagic gives gym owners the tools to successfully run their day to day operations with a software that helps them make more money by selling products to their members, helps them organize events and competitions to foster community and loyalty and much more. The app also allows them to accept online payments. It was founded in 2017 and is based in Charlotte, North Carolina.
Richie AI operates an online lending platform that offers a comprehensive embedded lending infrastructure tailored for B2B SaaS platforms. This service allows these platforms to provide their merchant clients with discounted financing products, including loan application forms, an application management system, a private-labeled merchant portal, and access to a variety of lenders and loan products. By utilizing automation and machine learning algorithms, Richie AI creates a capital lending marketplace that enables small business owners to find, compare, and pre-approve loans efficiently. This streamlined approach not only facilitates easier access to funding but also enhances client retention and brand loyalty for SaaS platforms while generating additional revenue streams.
KiteEdge is a knowledge and analytics company based in London that aims to transform the financial services industry through its innovative platform, Apex. The company specializes in advanced search capabilities tailored for asset managers, enabling them to access and analyze enterprise content effectively. Utilizing its Framed Retrieval Augmented Generation (FRAG) process, KiteEdge delivers precise and contextually relevant AI insights that support informed decision-making and help clients meet regulatory requirements. By integrating advanced AI and knowledge graphs, KiteEdge provides a reliable data foundation that enhances the investment decision-making process for asset managers.
Tunnel is a developer of cloud-based payment software that facilitates real-time global cross-currency payments without transaction fees. Utilizing distributed ledger technology, Tunnel offers its own payment infrastructure, including application programming interfaces and mobile applications. This innovative approach allows both individuals and companies to conduct transactions securely and efficiently, minimizing costs associated with traditional payment methods while enhancing fraud prevention.
FactSquared develops advanced research platforms powered by artificial intelligence, catering to sectors such as media, politics, and finance. Their primary offering, Factbase, specializes in automating analytics with high accuracy and low costs. By employing tailored models for various subjects, FactSquared enhances the speed and efficiency of analyzing video, audio, and text content. The company also operates factba.se, a public service initiative aimed at promoting transparency in political discourse. Additionally, FactSquared's platform utilizes machine learning and neural networks to convert unstructured data from video, audio, PDFs, images, and raw text into rich, searchable structured data, facilitating better access and insights for users.
One Donation operates a blockchain-based donation platform designed to facilitate charitable contributions by employees to causes they care about. The platform emphasizes simplicity and security, allowing users to make and track donations effortlessly. By promoting corporate social responsibility and enhancing employee engagement, One Donation helps employers foster a culture of giving and community involvement. This approach, termed "frictionless philanthropy," aims to strengthen the connection between employees and charitable organizations, ultimately benefiting both the workforce and the broader community.
Bundle is an online marketplace that connects homebuyers with mortgage loan officers while ensuring anonymity to reduce unwanted communication. The platform simplifies the mortgage process, empowering users to take control by providing essential resources for understanding home buying, budgeting, and comparing mortgage rates. It aims to create a comfortable entry point for individuals navigating the complexities of securing a mortgage, allowing them to explore options and engage with lenders without the pressure of direct interactions. Through its user-friendly tools, Bundle enables borrowers to make informed decisions in a secure and private environment.
CARL operates an investment democratization technology platform that simplifies the process of building investment portfolios. The platform provides investors with exclusive access to quantitative investment strategies and hedge funds, allowing them to utilize sophisticated algorithms developed by experts in computer science, mathematics, and finance. CARL's innovative approach eliminates lock-up periods and offers real-time performance updates through a mobile application, enabling users to make informed investment decisions based on actionable insights derived from data-driven methods. This technology addresses the growing demand for advanced investment solutions in an evolving financial landscape.
Wunderfund is an equity crowdfunding portal where anyone can invest in early stage companies for as little as $50.
RentHub is a real estate data platform that assists renters and landlords in determining the true market value of apartments. By providing real-time pricing and forecasts on residential rentals in urban markets, RentHub enables property developers to analyze trends, area rankings, and amenity premiums. This information supports informed decision-making regarding rental properties and developments, helping users navigate the complexities of the rental housing market effectively. The platform's focus on delivering accessible and accurate data allows its users to concentrate on making strategic choices rather than piecing together fragmented information.
iTrust specializes in cybersecurity intelligence, providing a comprehensive platform that enhances an organization's security posture. The company focuses on evaluating both internal and third-party networks to identify strengths and vulnerabilities, enabling organizations to bolster their defenses against evolving cyber threats. iTrust offers pre-screening services to manage risks associated with attendees and benchmarks to compare practices with industry peers. Additionally, the platform includes identity management solutions to verify the identities of employees, vendors, and visitors, as well as location-based monitoring to ensure compliance across multiple sites in real-time. This approach empowers organizations to create fortified partnerships and maintain a robust security framework.
Mimble is a social gifting application that enhances the gifting experience by allowing users to connect with friends and family through instant gifts, chat, greeting cards, and event reminders. The app offers features that help users track gift ideas and special occasions while providing insights into the interests of their loved ones. It enables users to buy, send, upload, and redeem gift cards from various retailers, making the process enjoyable and efficient. Additionally, Mimble incorporates a rewards system for different activities, promoting engagement and fostering connections in a thoughtful and eco-friendly manner.
Developer of a wealth and portfolio management platform. The company's software provides financial advice to their clients to manage their assets and investments based on risk tolerance.
Invoira is a B2B web and mobile platform that addresses invoice and payment challenges by replacing traditional email communication between clients and suppliers with a more streamlined approach. The platform allows businesses to collect and validate vendor contact information and payment preferences instantly, enabling efficient tracking and analysis of invoice and payment data. By facilitating electronic payments without the need to share sensitive bank information, Invoira helps eliminate paper invoices and checks, reducing the costs and efforts associated with processing payments. This innovative solution is particularly beneficial for accountants managing small business clients, as it simplifies accounts payable processes and enhances overall financial management.
Spave, a fintech mobile app that enables anyone to use their everyday purchases to increase their savings as well as give to causes they care about without changing behavior. It was founded in 2016 and is headquartered in Red Wing, Minnesota.
The alternative risk management platform for capital markets. Optimis is an innovator of electronic marketplaces and analytics for capital markets.
CredPal is a financial platform that enables both businesses and individuals to make purchases and pay for them in installments at various online and offline merchants. Launched in 2018 by Fehintolu Olaogun and Olorunfemi Jegede, CredPal is headquartered in Lagos, Nigeria. The platform is designed to provide transparency and convenience, allowing users to set up their accounts and select payment plans that best suit their needs. By leveraging technology, CredPal minimizes risk and connects users with multiple financial institutions that offer credit. This service not only facilitates consumer access to credit for purchases but also empowers retail businesses to provide on-demand credit options to their customers.
Helium Loans is a direct online lender that specializes in providing a variety of loan products tailored to meet diverse financial needs. The company offers personal term loans, small business loans, and financing options for both new and used cars. In addition, Helium Loans facilitates in-store financing and peer-backed loans, allowing customers to access funds with minimal paperwork. Their platform is designed to help individuals and businesses secure cash quickly, enabling them to address overdue bills or unexpected expenses efficiently.
Collateral Velocity is a collateral management technology solution that provides the platform to streamline the medical claim obligations of the government and commercial insurance carriers, as well as short-term impact bonds for investors.
Truss is a software company that specializes in payment operations for the construction industry. Founded in 2018 and based in Victoria, Canada, Truss offers a platform that enables general contractors, subcontractors, and suppliers to manage their financial transactions efficiently. The software allows users to send and receive payments instantly and without fees, simplifying the payment process. It provides a unified dashboard where construction companies can collect payments from clients via email, pay suppliers immediately, or withdraw funds using a card. By automating the accounts payable cycle—from billing and invoicing to reconciliation—Truss enhances expense management for its clients, reducing reliance on traditional payment methods such as checks and minimizing manual data entry.
Hardbacon is a Canadian startup focused on empowering individuals to make informed financial decisions. Founded by former business journalist Julien Brault, the company offers a financial platform that allows users to compare rates for various financial products, including mortgage loans and credit cards. In addition to facilitating these comparisons, Hardbacon enables users to buy stocks and bonds, sync all their investment accounts, and analyze their portfolios. The platform aims to educate users about investing and guide them in selecting suitable investment providers, ultimately enhancing their personal finance management. Through its innovative tools and informative content, Hardbacon seeks to support better financial outcomes for its users.
Speakalytics is the business to people service that companies use to discover patterns that close sales. It provides the artificial intelligent sales coach for enterprises that empowers sales leaders to train at scale.
Qbrics specializes in developing business process management (BPM) solutions that meet TIA (Traceable, Immutable, and Auditable) compliance requirements. Catering primarily to organizations operating in regulated industries, Qbrics utilizes blockchain technology to register process steps, ensuring a secure and reliable framework for data collaboration. Its enterprise blockchain platform enables seamless interaction among private enterprises, regardless of the underlying blockchain fabric, and supports scaling cooperative efforts with partners, clients, and vendors. By integrating standards-compliant encryption, Qbrics helps clients lower implementation costs while enhancing data integrity and compliance in their business processes.
Curu, Inc. is a technology company based in Denver, Colorado, founded in 2016, specializing in automated credit building software. Its primary product, Curu, analyzes users' credit reports, transactions, and financial history to generate personalized action plans aimed at improving credit scores. By linking their financial accounts to a secured profile, users receive tailored recommendations to enhance their creditworthiness, thus increasing their chances of approval for various financial products such as credit cards, personal loans, and mortgages. Curu's sophisticated algorithms and innovative "Extended Approval Plan" enable lenders to expand their customer base by identifying actionable steps for applicants to meet eligibility requirements. Financial institutions partner with Curu to offer clients a solution that combines behavioral modification with a credit score improvement program, ultimately fostering new account generation and responsible credit management.
Saffe LTD is a Munich-based company founded in 2015 that specializes in mobile payment solutions using facial recognition technology. The company's innovative application allows merchants to process payments directly through smartphones without requiring additional equipment. By utilizing artificial intelligence and facial biometrics, Saffe's software facilitates secure transactions and provides a privacy-focused antifraud solution. This technology enables consumers to authenticate their payments naturally while helping businesses protect against online fraud and comply with personal data protection standards.
Beam simplifies complex government program journeys with configurable, intelligent end-to-end workflows. Beam's platform helps government administer programs end-to-end, including application, eligibility determination, case management, payment, and reporting -- from simple programs like emergency relief to the most complex like housing voucher programs.
RegSmart brings the people, processes, and technology together to serve your BSA and cybersecurity risk management and governance needs with: -Cloud-Based Technology. -Supported by Subject Matter Experts. -That Collect Data with Intuitive Wizards. -And Store that Data for Real–Time Reporting, Regulatory Compliance, and Change Management And deliver Complete, Plain Language Reports. -With Actionable Information.
CapWay, Inc. is a fintech startup based in Atlanta, Georgia, founded in 2016, that focuses on providing virtual consumer banking products and services aimed at the financially underserved, including the unbanked and underbanked populations. The company offers a range of services through its digital platform, including mobile banking, debit cards, savings accounts, bill payments, and deposits. In addition, CapWay emphasizes financial literacy by providing educational content to its account holders and also offers micro-lending services. By partnering with various organizations, CapWay aims to improve financial access and opportunities for lower-income households, helping them navigate towards better financial health and generational wealth.
Amicus.io is a fintech company that offers a philanthropic platform designed to simplify charitable giving for clients of financial institutions. Founded in 2017 and headquartered in Charlotte, North Carolina, Amicus specializes in community foundations and donor-advised funds. Its digital platform integrates seamlessly with existing banking systems, allowing for features such as online banking, roundups, and peer-to-peer payment systems. By providing an enterprise-ready giving platform, Amicus enables financial institutions, community foundations, and charities to offer an accessible and immersive donation experience to their clients, promoting charitable donations with ease and efficiency.
Finsophy PBC (Public Benefit Corporation) is a Financial Innovation & Technology company developing solutions for transparent, long-term and mission-aligned capital.
Catapult HQ, Inc. is a company based in Waxhaw, North Carolina, that specializes in providing a comprehensive Request for Proposal (RFP) solution aimed at enhancing the efficiency of procurement departments. Founded in 2017, Catapult offers a platform that automates and streamlines RFP processes through repeatable workflows, enabling users to create and respond to opportunities, evaluate submissions, and negotiate contract terms effectively. The platform also facilitates collaboration among team members, allowing for the management of question structures and responses while building a content library to expedite RFP responses. Clients utilizing Catapult's automation have reported significant reductions in response times, achieving over 90% time savings and a 66% increase in output without additional staffing. This innovative solution is designed to improve the quality and effectiveness of RFP engagements.