Citi

Clara is a financial technology company focused on simplifying home mortgage financing for individuals and families. By leveraging advanced technology, Clara aims to enhance the efficiency, transparency, and personalization of the mortgage origination process. Its online lending platform facilitates an easy and streamlined experience for consumers, allowing them to secure home financing quickly and clearly. In addition to its mortgage offerings, Clara also provides a suite of financial tools designed for businesses, including corporate expense management solutions, corporate cards, and bill payment services. This comprehensive approach enables both consumers and businesses to manage their financial needs with greater ease and control.

auxmoney GmbH is a prominent digital lending platform based in Düsseldorf, Germany, specializing in peer-to-peer money lending services. Founded in 2007, the company facilitates a wide range of loans, including personal, installment, vacation, education, and business commencement loans, among others. auxmoney employs unique risk assessment models and digital processes to enhance access to affordable credit while minimizing lending risks and costs. The platform connects borrowers with private investors, allowing individuals to obtain loans in a responsible manner. By focusing on consumer credit in Europe, auxmoney plays a significant role in promoting financial inclusion and improving the overall lending experience for both borrowers and investors.

Warren Investimentos is an investment brokerage and wealth management firm based in Brazil, known for pioneering the goal-based investment model previously utilized by ultra-high-net-worth individuals abroad. The firm offers a comprehensive and tailored experience that aligns with the specific life stages and objectives of each investor. By leveraging its innovative wealth management platform, Warren Investimentos assists clients in creating investment goals and analyzing results, while ensuring a conflict-free environment for investment decisions. This approach not only enhances client experience but also enables users to efficiently track their investments and visualize product profitability, reinforcing Warren Investimentos' commitment to safeguarding clients' interests in a transparent manner.

Konfio is a financial services platform for small and medium businesses in Mexico that offers corporate credit cards, working capital loans, and payment solutions. Founded in 2013, Konfio's mission is to boost SME growth and productivity in Mexico.

Altro, formerly known as Perch, is a company based in Los Angeles, California, that focuses on helping individuals enhance their credit scores by leveraging recurring expenses. Founded in 2019, Altro provides a platform that allows users to link everyday payments and subscriptions, such as bills and monthly services, to their credit history. By recognizing these often-overlooked payments, the Altro app enables users to build their credit more effectively, turning regular financial commitments into a tool for improving their creditworthiness. The service is offered for free, aiming to empower users to maximize their financial potential through better credit management.

Penelope is a self-service retirement platform for small and micro businesses.

Household Capital is a specialist financial services firm providing longevity income to help senior Australians Live Well At Home.

Betterment is a smart automated investing service that provides optimized investment returns for individual, IRA, ROTH IRA, and rollover 401(k) accounts. Its technology enables users to manage their investments in a customized, diversified portfolio. Charging a management fee of 0.25%, the company enables users to access, view, share, and review their portfolio’s activities as well as deposit and withdraw money from anywhere, anytime. Betterments products also include Tax Loss Harvesting, a program that works to offset taxes on both gains and income; and RetireGuide, a series of online surveys to enable users to determine the success of their long-term financial goals.

Doconomy is a Sweden-based fintech company that offers digital banking services. Their vision is of enabling a sustainable lifestyle for everyone. Doconomy wants to inspire change in behaviour and reduce unsustainable consumption and carbon emissions. Doconomy activates a circular ecosystem, connecting the consumer, the producer, the retailer and influencer to futureproof planet earth, and achieve a sustainable lifestyle for all.

Octane Lending, Inc. operates an online lending platform that connects automobile dealers with customers seeking financing. Founded in 2013 and headquartered in New York, the company aims to streamline the vehicle purchasing process, particularly in the fast-paced $21 billion Powersports market. Octane facilitates the submission of credit applications to multiple lenders, including both prime and sub-prime options, and enhances sales of backend products through automated insurance estimates and warranty offerings. By leveraging innovative underwriting and credit products, Octane provides instant and frictionless financing options via its in-house lender, Roadrunner Financial. The platform not only assists consumers in securing loans but also supports dealers by routing customers to partner dealerships for efficient transactions and offering comprehensive loan servicing throughout the financing journey. Through its editorial brands, Octane reaches millions of enthusiasts, helping them connect with their passions while simplifying the financing experience.

Soldo is a multi-user expense account that helps companies to manage the entire business expense cycle. It integrates prepaid mastercard cards, a web-based administration console, and a mobile app into one intuitive future-ready platform.

Daylight is the first and only digital banking platform in the U.S. specifically designed for and by the LGBT+ community. Daylight’s card, app and digital services prepare members for the future faster by helping them to navigate the finance system, generate smarter habits and connect with a community working together to build the life they deserve without compromise. Daylight was founded in 2020 and is located at West Hollywood, California.

SmartAsset is an online destination for consumer-focused financial information and advice that powers SmartAdvisor, a national marketplace connecting consumers to financial advisors. Reaching approximately 75 million people each month (as of Sept. 2021) through its educational content and personalized calculators and tools, SmartAsset’s mission is to help people make smart financial decisions. Ranked on the Inc. 5000 list of fastest-growing private companies in 2021, SmartAsset recently closed a $110 million Series D round, valuing the company at over $1 billion. SmartAsset was also named to Y Combinator’s list of Top 100 Companies of all time, 2021 Best Financial Planning Technology Company in New York by Wealth & Finance International, and Forbes’ list of America’s Best Startup Employers in 2020.

Splash Financial''s mission is to make people more powerful than their debt. To that end, Splash helps borrowers easily shop and compare financial products from a Splash-powered network of credit unions and bank partners. Splash’s unique hybrid marketplace model and automated underwriting platform has helped the average person refinancing their student loans save thousands. Splash has raised over $60 million in venture capital from leading investors including DST Global, Citi Ventures, Detroit Venture Partners, CMFG Ventures and Northwestern Mutual Future Ventures.

auxmoney GmbH is a prominent digital lending platform based in Düsseldorf, Germany, specializing in peer-to-peer money lending services. Founded in 2007, the company facilitates a wide range of loans, including personal, installment, vacation, education, and business commencement loans, among others. auxmoney employs unique risk assessment models and digital processes to enhance access to affordable credit while minimizing lending risks and costs. The platform connects borrowers with private investors, allowing individuals to obtain loans in a responsible manner. By focusing on consumer credit in Europe, auxmoney plays a significant role in promoting financial inclusion and improving the overall lending experience for both borrowers and investors.

Altro, formerly known as Perch, is a company based in Los Angeles, California, that focuses on helping individuals enhance their credit scores by leveraging recurring expenses. Founded in 2019, Altro provides a platform that allows users to link everyday payments and subscriptions, such as bills and monthly services, to their credit history. By recognizing these often-overlooked payments, the Altro app enables users to build their credit more effectively, turning regular financial commitments into a tool for improving their creditworthiness. The service is offered for free, aiming to empower users to maximize their financial potential through better credit management.

Gohenry helps young people learn how to earn, save and spend responsibly. Combining web and mobile apps with a debit card with parental controls, the company gives 6 to 18-year-olds hands-on experience in managing money within a safe environment. Parents set rules and limits, can allocate pocket money automatically, or set tasks and chores for their children to earn extra money. They and the kids can see their earnings, spending, and saving on graphs. Children and teens can also use budgeting tools to set savings goals and track and filter spending by retailer, size of spend, and category. It’s a way to give young people financial independence so they can learn by doing, but under a watchful eye and with no danger of debt.

Arcus is a PaaS platform that provides payment solutions to help businesses make payments accessible for every consumer. Arcus offers a multi-rail payment platfrom that includes real-time account-to-account payments, cash, and others.

Digit is a finance app that analyzes your spending habits and automatically saves the perfect amount every day. The platform automates the day-to-day work of managing money so you don’t have to think about it. They help eliminate the stress and anxiety people feel about their finances while helping them build a proven foundation for the future they’re trying to achieve. Digit keeps your money socked away in a separate account and your savings will depend on a number of variables, including how much money you keep in your checking account and what your saving and spending pattern. Their technology combines machine learning and behavioral psychology to provide a financial assistant you can trust to work toward your goals while you spend your time and effort on what’s most meaningful in your life. It saves the amount of money every day based on your spending and income and tells you the intelligent timeline for achieving them. Digit was founded in 2013 and is headquartered in San Francisco, California, United States.

Engine by MoneyLion specializes in embedded finance and marketplace platforms tailored for financial services. It offers a comprehensive suite of tools that includes a search, comparison, and recommendation engine for financial products, alongside features for offer management and optimization. By enabling businesses to integrate financial products into their operations, Engine allows for the delivery of personalized financial product offers to clients. Additionally, the company provides various financial services, including loans, credit, insurance, and savings accounts. Formerly known as Even Financial, Engine by MoneyLion focuses on enhancing the accessibility and personalization of financial services for businesses and consumers alike.

Better.com democratized the home-financing ecosystem, replacing it with a digitized process that eliminates commissions, fees, unnecessary steps, and time-wasting branch appointments. In addition to providing mortgage rates in seconds, Better.com’s platform offers a digital marketplace featuring competitive quotes from an array of insurance providers for the seamless purchase of a homeowner's insurance policy and instant access to leading real estate agents across the country. To date, Better.com has done $7.9B in home loans and $1B in insurance.

There is a smarter, better way to own your home. We call it home co-investing. Unison offers a smart new financing alternative for accessing your equity without taking on debt. We reduce debt and deliver a less risky way for homeowners, investors, and society to think about their most important asset - the home. We were founded in 2004 and are headquartered in San Francisco, California.

SmartAsset is an online destination for consumer-focused financial information and advice that powers SmartAdvisor, a national marketplace connecting consumers to financial advisors. Reaching approximately 75 million people each month (as of Sept. 2021) through its educational content and personalized calculators and tools, SmartAsset’s mission is to help people make smart financial decisions. Ranked on the Inc. 5000 list of fastest-growing private companies in 2021, SmartAsset recently closed a $110 million Series D round, valuing the company at over $1 billion. SmartAsset was also named to Y Combinator’s list of Top 100 Companies of all time, 2021 Best Financial Planning Technology Company in New York by Wealth & Finance International, and Forbes’ list of America’s Best Startup Employers in 2020.

Octane Lending, Inc. operates an online lending platform that connects automobile dealers with customers seeking financing. Founded in 2013 and headquartered in New York, the company aims to streamline the vehicle purchasing process, particularly in the fast-paced $21 billion Powersports market. Octane facilitates the submission of credit applications to multiple lenders, including both prime and sub-prime options, and enhances sales of backend products through automated insurance estimates and warranty offerings. By leveraging innovative underwriting and credit products, Octane provides instant and frictionless financing options via its in-house lender, Roadrunner Financial. The platform not only assists consumers in securing loans but also supports dealers by routing customers to partner dealerships for efficient transactions and offering comprehensive loan servicing throughout the financing journey. Through its editorial brands, Octane reaches millions of enthusiasts, helping them connect with their passions while simplifying the financing experience.

Honey Science Corporation operates an online service that assists consumers in saving money while shopping by automatically finding and applying coupon codes at checkout. Established in 2012 and based in Los Angeles, California, Honey has garnered a user base of over 10 million worldwide, collaborating with more than 30,000 retailers. The service not only streamlines the coupon application process but also provides additional features such as price history tracking and notifications for product price drops through its Droplist tool. Additionally, Honey offers a rewards program called HoneyGold, which allows users to earn cash back on their online purchases. In January 2020, Honey became a subsidiary of PayPal Holdings, Inc.

Oodle Car Finance is a car finance company that match-makes customers with UK's best car dealers to deliver great car buying experiences. They are breaking the mould of lending in the used-car market by merging search and finance into one seamless digital process. This rapid, blink-and-you-miss-it, online procedure matches our customers with their perfect cars, the UK’s best car dealers and affordable finance.They believe they can achieve their ultimate mission to create a best-in-class consumer experience, where customers reap the benefits.

The 1st Stop Group Limited offers a range of financial services to the retail marketplace under its various subsidiary companies. Its product range includes personal loans, secured loans, and hire purchase (for vehicle purchase).

For the first time, in the palm of your hand, you have an advocate to help you manage your money. A partner who is looking out for you. All within the Clarity Money app, you can lower your bills, cancel wasteful accounts, transfer money, create a savings account and get your credit score. The app also provides unprecedented transparency into your spending. It’s beautiful, easy to use and there is nothing like it on the market. Download now on the iOS App store Sign-up today: https://claritymoney.com/app

BDO is a full-service universal bank that provides a wide range of corporate and retail banking services, including traditional loan and deposit products as well as treasury, trust banking, investment banking, private banking, rural banking, cash management, leasing and finance, remittance, insurance, retail cash cards, and credit card services.

FastPay provides liquidity and payments solutions to the global media industry. Since inception FastPay has facilitated over $20 billion in loans and B2B payments.

Plaid is the technology platform providing the tools and access needed for the development of a fully modern, and digitally-enabled financial system. Plaid makes it easier and safer for developers from the smallest startups to the largest financial institutions to build innovative financial services and applications. Plaid offers beautiful consumer experiences, developer-friendly infrastructure, and intelligence tools that give everyone the ability to build the future of financial services. Plaid was launched by William Hockey and Zach Perret in 2012 and is headquartered in San Francisco, California.

Betterment is a smart automated investing service that provides optimized investment returns for individual, IRA, ROTH IRA, and rollover 401(k) accounts. Its technology enables users to manage their investments in a customized, diversified portfolio. Charging a management fee of 0.25%, the company enables users to access, view, share, and review their portfolio’s activities as well as deposit and withdraw money from anywhere, anytime. Betterments products also include Tax Loss Harvesting, a program that works to offset taxes on both gains and income; and RetireGuide, a series of online surveys to enable users to determine the success of their long-term financial goals.

Betterment is a smart automated investing service that provides optimized investment returns for individual, IRA, ROTH IRA, and rollover 401(k) accounts. Its technology enables users to manage their investments in a customized, diversified portfolio. Charging a management fee of 0.25%, the company enables users to access, view, share, and review their portfolio’s activities as well as deposit and withdraw money from anywhere, anytime. Betterments products also include Tax Loss Harvesting, a program that works to offset taxes on both gains and income; and RetireGuide, a series of online surveys to enable users to determine the success of their long-term financial goals.

Janalakshmi Financial Services is a for-profit NBFC serving the urban underserved, with the promoter stake held in the not-for-profit entity Janalakshmi Social Services. This is the only NBFC in India structured in such a manner, with the deliberate intent of keeping the social spirit intact. Janalakshmi Financial Services' market-based approach to financial inclusion is defined by three distinct characteristics: first, an exclusive focus on servicing the needs of the urban poor; second, a strong customer-value driven approach in designing financial products and services; third, the centrality of technology and processes as the foundation of a scalable enterprise.

ReadyForZero is a financial software company based in San Francisco that provides tools to help individuals manage their debt and protect their credit. Founded in 2010 by Rod Ebrahimi and Ignacio Thayer as part of Y Combinator, the company focuses on offering a platform that enables users to track their debt, make payments, and monitor their credit status. Unlike debt negotiation or settlement services, ReadyForZero emphasizes automated financial management to assist users in tackling their debt effectively. The company is venture-backed and operates with a technical product team dedicated to improving personal finance management.

Janalakshmi Financial Services is a for-profit NBFC serving the urban underserved, with the promoter stake held in the not-for-profit entity Janalakshmi Social Services. This is the only NBFC in India structured in such a manner, with the deliberate intent of keeping the social spirit intact. Janalakshmi Financial Services' market-based approach to financial inclusion is defined by three distinct characteristics: first, an exclusive focus on servicing the needs of the urban poor; second, a strong customer-value driven approach in designing financial products and services; third, the centrality of technology and processes as the foundation of a scalable enterprise.

Revolution Money is a financial services company with the goal of disrupting incumbent credit companies and PayPal. Revolution Money's credit card, the RevolutionCard, differs from other credit cards by using PIN-activation, rather than signatures This allows the card to be printed without any personally identifying information, which the company claims helps to reduce identity theft. The card transactions are also processed on an internet-based system, allowing the company to drastically reduce its processing fees. Revolution Money's other main service is MoneyExchange, which pretty much does what one would think -- let users transfer money between one another -- but, uniquely, a MoneyExchange account holders can use a Revolution Money Debit/ATM card so money can be accessed at stores or withdrawn from ATMs. Transfers between Revolution Money account holders are free. Revolution Money is partially owned by Revolution, LLC, an investment firm and holding company owned by AOL-founder Steve Case. The company's board also boasts an impressive number of financial luminaries, including Lawrence Summers, former US Secretary of the Treasury; Franklin Raines, former CEO of Fannie Mae; Russell Hogg, former President and CEO of MasterCard; David Pottruck, former CEO of Charles Schwab; and David Golden, former Vice Chairman of JPMorgan.

Revolution Money is a financial services company with the goal of disrupting incumbent credit companies and PayPal. Revolution Money's credit card, the RevolutionCard, differs from other credit cards by using PIN-activation, rather than signatures This allows the card to be printed without any personally identifying information, which the company claims helps to reduce identity theft. The card transactions are also processed on an internet-based system, allowing the company to drastically reduce its processing fees. Revolution Money's other main service is MoneyExchange, which pretty much does what one would think -- let users transfer money between one another -- but, uniquely, a MoneyExchange account holders can use a Revolution Money Debit/ATM card so money can be accessed at stores or withdrawn from ATMs. Transfers between Revolution Money account holders are free. Revolution Money is partially owned by Revolution, LLC, an investment firm and holding company owned by AOL-founder Steve Case. The company's board also boasts an impressive number of financial luminaries, including Lawrence Summers, former US Secretary of the Treasury; Franklin Raines, former CEO of Fannie Mae; Russell Hogg, former President and CEO of MasterCard; David Pottruck, former CEO of Charles Schwab; and David Golden, former Vice Chairman of JPMorgan.

European American Bank operates as a bank. The Bank serves customers in the United States.

Internet Financial Network develops personalized information products and tools for Internet users and creates.

Paytrust is the flagship service of PAYTRU$T Inc., a privately held company based in Lawrenceville, New Jersey. Founded in October 1998, the company is financially backed by American Express, Capital One, Citigroup, ComVentures, E*TRADE, FTVentures and Spectrum Equity Investors. Paytrust is at the forefront of Internet electronic commerce, leading the conversion of the current antiquated paper bill delivery methods to online, interactive bills. Paytrust uses the power of the Internet as a vehicle to make your life a little easier -- by delivering the ultimate in e-convenience. Paytrust is an online personal assistant dedicated to taking care of you