CommerzVentures

Founded in 2021 in Zurich, Switzerland, by Swiss entrepreneurs Manuel Grenacher (CEO) and Andreas Hauri (CTO), Unique is a venture-backed B2B SaaS platform that records client conversations and leverages the power of AI to augment client-facing teams with real-time assistance and post-recording insights to build better client relationships and automate routine tasks. Unique cuts out manual work for client advisors by automatically generating a call summary and updating their CRM systems. During client meetings, it identifies key phrases (pain points, product mentions, etc.) to help advisors spot new upselling and cross-selling opportunities.

Carbmee is an enterprise software company focused on enabling businesses to effectively manage and reduce their carbon emissions through advanced automation technology. The company has developed the Environmental Intelligence System, known as Carbmee EIS™, which assists organizations in identifying and analyzing carbon dioxide hotspots within their value chains. By accurately calculating carbon footprints at various levels—company, product, and supplier—Carbmee integrates internal data with external databases to deliver comprehensive insights. Utilizing artificial intelligence and a data-driven methodology, the platform enhances carbon transparency and reveals untapped reduction opportunities, thereby empowering companies to make informed decisions and foster collaboration with suppliers in their sustainability efforts.

Finbourne Technology Limited, founded in December 2016 and headquartered in London, United Kingdom, specializes in developing LUSID, an investment management platform aimed at transforming and simplifying investment data handling. The platform serves as a comprehensive investment data store that secures a complete history of all transactions and adjustments, thereby enhancing transparency and reducing costs associated with investing. With a team that has expanded from seven founders to over 130 in just a few years, Finbourne offers software-as-a-service solutions that provide agility and control in data management. LUSID is designed to integrate with existing operational systems through open APIs, supporting various investment workflows, including investment book of record, accounting, and risk assessments. Additionally, Luminesce, a data virtualization engine, facilitates real-time access to a broad spectrum of data, enabling deeper insights and analytics. Together, these offerings cater to a range of clients, from startup managers to large global investment institutions.

Lemon.markets is a FinTech platform that provides a user-friendly API for stock trading, enabling developers to create and manage their own investment and trading tools. Its Trading API facilitates the execution of orders in the stock market and the retrieval of market data, making it easier for companies to launch investment products. With a focus on offering comprehensive brokerage infrastructure, Lemon.markets combines operational capabilities and regulatory expertise, positioning itself as a one-stop solution for businesses looking to integrate stock and ETF trading functionalities into their services.

Climate X is a global climate physical risk data analytics company that specializes in climate risk management services. The firm provides tools to project and predict the impacts of climate change and extreme weather events by integrating climate models with current real-world data. Through its physical modeling capabilities, Climate X enables businesses and governments to anticipate regulatory requirements and adapt to evolving climate-related challenges. Its clientele includes prominent financial institutions in sectors such as banking, real estate, and insurance, highlighting its relevance in a rapidly changing climate landscape.

Doconomy AB is a fintech company based in Stockholm, Sweden, founded in 2018, that specializes in digital banking services. It has developed the DO application, which allows users to track and measure their carbon dioxide emissions and ecological footprint resulting from online purchases. One of its notable offerings is DO Black, a credit card that incorporates a carbon limit, encouraging users to engage in sustainable consumption. Doconomy's mission is to inspire behavioral change and reduce carbon emissions by connecting consumers, producers, retailers, and influencers within a circular ecosystem. The company provides tools that enable users to visualize the environmental impact of their financial transactions and offers insights and incentives for reducing consumption, thereby promoting a sustainable lifestyle for all.

Tuum is a cloud-native banking platform that is spearheading the next generation of digital innovation in the financial services industry. Built around a microservices architecture, the platform consists of flexible and independent modules covering all retail and business banking capabilities. The platform is API-based for quick and easy integration and can run on all major cloud providers, as well as on private clouds. Founded by a team of banking and technology experts in 2019, Tuum combines technological excellence with in-depth banking knowledge and packages it into a sophisticated, cutting-edge platform. Tuum currently employs over 60 people with offices in Tallinn, Berlin and Malaga.

Volt.io is a next-generation digital money platform that focuses on providing secure bank direct payments while reducing the risk of card fraud. By leveraging recent Open Banking regulatory initiatives in Europe, Volt.io offers a global real-time payments solution that aims to transform e-commerce. Its platform facilitates seamless and instant account-to-account transactions, serving as a single gateway for customers to access a worldwide audience. This innovative approach optimizes conversion rates and lowers transaction costs, positioning Volt.io as a disruptive force in the payment processing industry.

ClimateView AB, founded in 2017 and based in Stockholm, Sweden, specializes in developing Climate Panorama, a software platform designed to assist local governments in planning and executing their climate transition efforts. The platform collects and organizes climate data, enabling cities to create a coherent data structure that allows for comparability across different regions. By integrating advanced modeling and visualization tools, ClimateView empowers public sector stakeholders to make data-driven decisions regarding political, economic, and energy shifts. The company collaborates with various partners, including global consultancies and governmental bodies like the Swedish Climate Policy Council, and serves over 135 cities across nine countries in Europe and North America.

Sabi is a B2B network designed to enhance commerce within the informal trade sector. It aims to accelerate the flow of transactions by facilitating connections among stakeholders. The company offers a comprehensive e-commerce logistics infrastructure that serves both micro and small enterprises. Sabi's platform includes features such as digital ledgers for cash management, interfaces for wholesale business-to-business transactions, group buying options, and logistical support. These services are tailored to help merchants access essential tools, reach new customers, improve cash flow, and streamline their logistics processes. Through its innovative approach, Sabi enables businesses to thrive in a competitive marketplace.

Flock is a digital insurance provider that focuses on commercial motor fleets, aiming to enhance safety through connected insurance solutions. By utilizing real-time data, Flock offers tailored insurance coverage for various vehicle types, including cars, vans, and trucks. This approach not only incentivizes safer driving practices but also allows fleet owners to access valuable insights to improve safety standards. The company has gained the trust of numerous clients, including well-known brands like Virtuo and Jaguar Land Rover's luxury leasing firm, The Out. Supported by prominent venture capital firms, Flock aspires to become a leader in the digital insurance market, particularly for connected and autonomous vehicles.

Runa is pioneering a first-of-its-kind payment rail capable of sending and accepting digital value at scale. With Runa, companies can pay the people they serve in any form of digital value, anywhere, instantly. The Runa Network provides a wide range of digital payout types including gift cards, prepaid cards, subscriptions, donations, cryptocurrencies and more. Legacy payment mechanisms struggle to adapt to low-volume, high-velocity transactions both locally and globally, such as sending payouts to gig workers, creators, or sending rewards to customers or employees wherever they are. Runa’s infrastructure and network facilitates payouts to these recipients, helping businesses expand their reach, retain their users while modernizing the way in which they manage and transfer money: instantly, internationally, and free of charge for the senders and the recipient. Runa was established as WeGift in October 2016 by Aron Alexander in London, England.

Money Fellows is a collaborative lending and savings platform designed to help individuals access interest-free credit and achieve better savings outcomes. The platform allows users to form circles with friends and family, enabling them to pool their resources into a common fund. Participants can contribute to this fund and take turns withdrawing the total amount, facilitating a supportive financial network. By leveraging social connections, Money Fellows provides a unique approach to saving and borrowing, promoting financial collaboration among users.

Cledara Limited is a London-based company that operates a purchasing and analytics platform tailored for the subscription economy. Founded in 2018, Cledara provides businesses with tools to manage their software subscriptions, enabling them to request, approve, and pay for software efficiently while automating accounting processes. The platform offers insights into software usage and financial data, allowing organizations to easily cancel unused applications. With a focus on reducing software costs and administrative burdens, Cledara has helped over 1,000 companies across the US, UK, and Europe achieve significant savings, cutting software expenses by 30% and saving more than 20 hours each month on software management.

Helu.io is a startup that specializes in accounting data management technology. The company offers a platform that consolidates various financial data sets into a customizable dashboard, allowing users to easily access, connect, and analyze their accounting information. Its technology enables the upload of financial data, monthly report updates, and the creation of detailed reports on individual postings, accounts receivable, accounts payable, and cost centers. By providing these tools, Helu.io aims to enhance the financial reporting processes for businesses while ensuring the security of their data.

MFS Africa is the largest mobile money inter-operability hub in Africa, which connects mobile network operators across the continent through a single API. In addition to mobile remittance services, the MFS Africa API enables merchant payment, bulk payment, bank-to-wallet transfers, and an array of other cross border digital payments services.

Elwood Technologies is a prominent fintech firm that specializes in digital asset trading and portfolio management software tailored for institutional clients. The company offers a comprehensive platform that connects users to global crypto exchanges, liquidity providers, custodians, and fund administrators. With a focus on advanced execution management, portfolio analytics, and risk management, Elwood's solutions are designed to enable financial institutions, neobanks, and corporations to navigate the complexities of the digital asset market effectively. Founded by experts with extensive backgrounds in both traditional finance and digital technology, Elwood aims to deliver secure and efficient tools that enhance clients' ability to engage with digital assets.

Climate X is a global climate physical risk data analytics company that specializes in climate risk management services. The firm provides tools to project and predict the impacts of climate change and extreme weather events by integrating climate models with current real-world data. Through its physical modeling capabilities, Climate X enables businesses and governments to anticipate regulatory requirements and adapt to evolving climate-related challenges. Its clientele includes prominent financial institutions in sectors such as banking, real estate, and insurance, highlighting its relevance in a rapidly changing climate landscape.

MFS Africa is the largest mobile money inter-operability hub in Africa, which connects mobile network operators across the continent through a single API. In addition to mobile remittance services, the MFS Africa API enables merchant payment, bulk payment, bank-to-wallet transfers, and an array of other cross border digital payments services.

Alviere is a finance platform that offers embedded financial products and technology, allowing businesses to deliver a range of financial services to their customers. The platform facilitates banking, mobile payments, card issuance, payment processing, and cross-border currency exchange. By providing a flexible framework, Alviere enables brands to launch new financial service lines, thereby enhancing customer relationships and insights while boosting satisfaction and retention. This approach not only strengthens customer connections but also helps businesses increase revenue and maximize profits.

Getsafe is a digital insurance company focused on enhancing the insurance experience through technology. It leverages a unique platform that simplifies the process of obtaining and managing insurance coverage, making it both fair and accessible. By utilizing automation and machine learning, Getsafe enables customers to easily manage their policies, including renters, legal, personal liability, content, income protection, and car insurance, all from their smartphones. The company streamlines traditionally complex tasks, allowing users to file claims or adjust their coverage in real time with minimal effort.

ClimateView AB, founded in 2017 and based in Stockholm, Sweden, specializes in developing Climate Panorama, a software platform designed to assist local governments in planning and executing their climate transition efforts. The platform collects and organizes climate data, enabling cities to create a coherent data structure that allows for comparability across different regions. By integrating advanced modeling and visualization tools, ClimateView empowers public sector stakeholders to make data-driven decisions regarding political, economic, and energy shifts. The company collaborates with various partners, including global consultancies and governmental bodies like the Swedish Climate Policy Council, and serves over 135 cities across nine countries in Europe and North America.

Hedvig AB is an insurance provider based in Stockholm, Sweden, established in 2016. The company specializes in a range of insurance products, including home and contents insurance, as well as travel, accident, and car insurance. Hedvig offers a modern and customer-centric approach to insurance, focusing on providing a seamless experience with fast claims processing. Since its launch, Hedvig has expanded its presence across all Scandinavian countries, positioning itself as an EU-licensed carrier dedicated to enhancing the insurance experience for its clients.

Doconomy AB is a fintech company based in Stockholm, Sweden, founded in 2018, that specializes in digital banking services. It has developed the DO application, which allows users to track and measure their carbon dioxide emissions and ecological footprint resulting from online purchases. One of its notable offerings is DO Black, a credit card that incorporates a carbon limit, encouraging users to engage in sustainable consumption. Doconomy's mission is to inspire behavioral change and reduce carbon emissions by connecting consumers, producers, retailers, and influencers within a circular ecosystem. The company provides tools that enable users to visualize the environmental impact of their financial transactions and offers insights and incentives for reducing consumption, thereby promoting a sustainable lifestyle for all.

Afilio is a company that specializes in creating and managing pension and estate documents, aiming to provide a secure future for individuals and their families. Its platform automates the generation and management of various pension documents, including registrations in the Central Pension Register. In addition to pension services, Afilio offers insurance management solutions that help users safeguard themselves and their loved ones against emergencies and the challenges associated with aging, such as health issues. By streamlining these processes, Afilio seeks to enhance retirement planning and ensure comprehensive financial protection for its clients.

ManyPets is a pet insurance provider that aims to enhance the well-being of pets and their owners. The company offers a range of insurance products, including policies for dogs and cats, multi-pet insurance, and lifetime coverage options. ManyPets specializes in providing comprehensive pet health benefits tailored to individual needs. In addition to insurance, the company also offers preventive wellness services, utilizing subscription-driven technology to deliver a convenient and personalized experience for pet owners. By focusing on accessibility and customer service, ManyPets strives to create a seamless connection between pet owners and their pets' health care.

360X operates a secondary marketplace that enables investment in digital stakes of alternative asset classes, including art and real estate. The platform emphasizes trusted access to high-quality, expert-verified assets, ensuring transparency and reliability for investors. Collaborating with partners and domain experts, 360X has established standards for creating digital stakes in these asset classes, enhancing the accessibility of illiquid investments. The company aims to expand its offerings in the future, providing a broader range of investment opportunities for users seeking to diversify their portfolios.

Alviere is a finance platform that offers embedded financial products and technology, allowing businesses to deliver a range of financial services to their customers. The platform facilitates banking, mobile payments, card issuance, payment processing, and cross-border currency exchange. By providing a flexible framework, Alviere enables brands to launch new financial service lines, thereby enhancing customer relationships and insights while boosting satisfaction and retention. This approach not only strengthens customer connections but also helps businesses increase revenue and maximize profits.

Getsafe is a digital insurance company focused on enhancing the insurance experience through technology. It leverages a unique platform that simplifies the process of obtaining and managing insurance coverage, making it both fair and accessible. By utilizing automation and machine learning, Getsafe enables customers to easily manage their policies, including renters, legal, personal liability, content, income protection, and car insurance, all from their smartphones. The company streamlines traditionally complex tasks, allowing users to file claims or adjust their coverage in real time with minimal effort.

Runa is pioneering a first-of-its-kind payment rail capable of sending and accepting digital value at scale. With Runa, companies can pay the people they serve in any form of digital value, anywhere, instantly. The Runa Network provides a wide range of digital payout types including gift cards, prepaid cards, subscriptions, donations, cryptocurrencies and more. Legacy payment mechanisms struggle to adapt to low-volume, high-velocity transactions both locally and globally, such as sending payouts to gig workers, creators, or sending rewards to customers or employees wherever they are. Runa’s infrastructure and network facilitates payouts to these recipients, helping businesses expand their reach, retain their users while modernizing the way in which they manage and transfer money: instantly, internationally, and free of charge for the senders and the recipient. Runa was established as WeGift in October 2016 by Aron Alexander in London, England.

Hedvig AB is an insurance provider based in Stockholm, Sweden, established in 2016. The company specializes in a range of insurance products, including home and contents insurance, as well as travel, accident, and car insurance. Hedvig offers a modern and customer-centric approach to insurance, focusing on providing a seamless experience with fast claims processing. Since its launch, Hedvig has expanded its presence across all Scandinavian countries, positioning itself as an EU-licensed carrier dedicated to enhancing the insurance experience for its clients.

Concirrus is an Insurtech company focused on revolutionizing risk selection, pricing, and claims processes in the insurance industry. It leverages advanced data analytics, artificial intelligence, and machine learning to enhance decision-making and operational efficiency for insurers. The company’s flagship platform, Quest, provides organizations with valuable insights into customer behavior, helping them improve loss ratios, reduce operational costs, and foster new trading relationships. Concirrus serves over 20 prominent clients, including major players in the insurance sector, who rely on its technology to inform their risk management strategies. Headquartered in London, Concirrus boasts a team of around 100 specialists with deep expertise in data analytics and a thorough understanding of the global insurance landscape.

Curv Inc. is a developer of a cloud-based wallet focused on the protection and management of digital assets through advanced cryptographic techniques. Established in 2018 and based in Winchester, California, with a research and development office in Tel Aviv, Israel, Curv employs multi-party computation (MPC) protocols to eliminate traditional private keys, enhancing security for digital transactions. The company's platform provides a comprehensive solution that replaces conventional cold and hot wallets, enabling users to securely manage and transact across various blockchain systems. Additionally, Curv offers an enterprise-grade policy engine that allows organizations to define risk profiles and enforce policies, ensuring compliance and security across all digital asset interactions. Curv serves a diverse clientele, including exchanges, brokers, over-the-counter desks, digital asset fund managers, custodians, banks, and fintech companies, facilitating the safe transfer and storage of digital assets.

By Miles Limited, established in 2015 and headquartered in Bootle, United Kingdom, specializes in pay-per-mile car insurance tailored for low mileage drivers. The company offers a smartphone application that tracks vehicle usage and charges customers based on the exact distance driven. This innovative model combines a fixed monthly subscription with additional charges per mile, allowing drivers to save on insurance costs by only paying for the miles they actually drive. The app provides users with visibility into their journeys and includes features designed to simplify their driving experience. By Miles aims to provide a fairer and more flexible approach to car insurance, catering specifically to the needs of low mileage users.

ManyPets is a pet insurance provider that aims to enhance the well-being of pets and their owners. The company offers a range of insurance products, including policies for dogs and cats, multi-pet insurance, and lifetime coverage options. ManyPets specializes in providing comprehensive pet health benefits tailored to individual needs. In addition to insurance, the company also offers preventive wellness services, utilizing subscription-driven technology to deliver a convenient and personalized experience for pet owners. By focusing on accessibility and customer service, ManyPets strives to create a seamless connection between pet owners and their pets' health care.

omni:us is a leading provider of intelligent insurance claim automation, specializing in end-to-end solutions that integrate seamlessly with existing insurance systems, including legacy applications. The company's Digital Claims Adjuster utilizes advanced handwritten text recognition technology and artificial intelligence to automate data-intensive workflows. By generating comprehensive claims profiles and offering integrated reference claims processes for various property and casualty lines of business, omni:us helps insurers significantly reduce processing costs. This automation not only enhances efficiency and speed of settlement but also improves customer satisfaction, making it a valuable partner in the insurance industry.

Getsafe is a digital insurance company focused on enhancing the insurance experience through technology. It leverages a unique platform that simplifies the process of obtaining and managing insurance coverage, making it both fair and accessible. By utilizing automation and machine learning, Getsafe enables customers to easily manage their policies, including renters, legal, personal liability, content, income protection, and car insurance, all from their smartphones. The company streamlines traditionally complex tasks, allowing users to file claims or adjust their coverage in real time with minimal effort.

Marqeta operates a modern card issuing and payment processing platform that enables businesses to create customized payment solutions using open APIs. Founded in 2010 and headquartered in Oakland, California, with an additional office in London, Marqeta's platform allows users to build, issue, and manage digital, physical, and tokenized payment cards. The company provides a range of services including virtual cards, real-time fund transfers, spend controls, and data analytics solutions. Marqeta serves various industries such as e-commerce, lending, on-demand services, and digital banking by offering flexible and scalable payment infrastructure. It is certified to operate in 40 countries globally.

Mosaic Smart Data Limited operates an online platform that specializes in data analytics solutions for capital market participants, particularly in the fixed income, currencies, and commodities (FICC) sectors. Founded in 2014 and based in London, the company consolidates various data sets to provide real-time insights into trading activities, allowing professionals in trading, sales, and management to monitor their operations at any level of detail. Mosaic Smart Data aims to empower financial institutions by enhancing their ability to harness data intelligently, thereby increasing business opportunities and meeting regulatory requirements. Its technology facilitates a thorough analysis of client trading flows and behaviors, enabling institutions to predict client needs and improve profitability in a challenging market landscape. As a subsidiary of JPMorgan Chase Holdings LLC, Mosaic Smart Data is positioned to transform vast amounts of information into actionable intelligence for financial market professionals.

Bankin' is the Best Mobile Money Manager. Bankin' app makes money management super easy. At Bankin', they believe that money management must be simple, transparent and efficient so you can focus on what really matters to you. Their mission is to bring innovation and technology together to offer you the best solution to guide you every day. They are the leader in Europe: you are more than 1.5 million to trust us in France, in England, in Spain, and in Germany. They are the only company independent of banks in Europe. It is something they feel very strongly about because it allows us to provide better guidance by always suggesting what's right for you.

Mambu is a leading provider of a cloud-based core banking platform that specializes in composable banking solutions. Founded over a decade ago, the company has pioneered the concept of composable banking, allowing financial institutions to combine independent systems and connectors to create customized banking solutions that adapt to evolving customer demands. With a presence in 60 countries, Mambu serves over 200 clients, including banks, lenders, fintech companies, and retailers, enabling them to develop and deploy modern digital financial products efficiently and securely. The platform supports the creation, launch, and servicing of various loan and deposit products, providing a flexible architecture that empowers financial institutions, including microfinance organizations, to effectively address market opportunities and deliver essential banking services.

OpenLegacy Inc. specializes in developing software that enables organizations to create digital services from their legacy systems. Founded in 2012 and headquartered in Reston, Virginia, with additional offices in several locations worldwide, OpenLegacy provides a solution that automates the modernization of legacy applications and integrates them with modern platforms. Its technology connects directly to complex legacy systems, generating APIs in a matter of minutes and allowing organizations to quickly deploy these as microservices or serverless functions. This approach significantly accelerates the digital transformation process, enabling companies to launch new applications and features in days rather than months, while also reducing costs and resource demands. By streamlining the integration of legacy systems, OpenLegacy empowers businesses to innovate and adapt in an increasingly digital landscape.

Fraugster Limited is a German-Israeli company that specializes in anti-fraud technology, leveraging artificial intelligence to help businesses combat fraud and enhance profitability. Established in 2014 and headquartered in Leeds, United Kingdom, Fraugster offers an advanced behavioral analytics engine designed to predict and prevent fraudulent activities before they occur. Unlike traditional anti-fraud solutions, which often rely on outdated technologies and rule-based systems, Fraugster's platform adapts in real-time to emerging fraud patterns, significantly improving accuracy and effectiveness. In addition to its core offerings, the company also runs Fraugster Academy, providing educational resources that range from coding classes to workshops on forensic profiling. This holistic approach positions Fraugster as a leader in the fight against cyber threats, enabling clients to minimize risks while maximizing conversion rates.

ManyPets is a pet insurance provider that aims to enhance the well-being of pets and their owners. The company offers a range of insurance products, including policies for dogs and cats, multi-pet insurance, and lifetime coverage options. ManyPets specializes in providing comprehensive pet health benefits tailored to individual needs. In addition to insurance, the company also offers preventive wellness services, utilizing subscription-driven technology to deliver a convenient and personalized experience for pet owners. By focusing on accessibility and customer service, ManyPets strives to create a seamless connection between pet owners and their pets' health care.

Payworks is a provider of advanced Point of Sale (POS) payment gateway technology, headquartered in Germany with additional offices in the UK, the US, and Poland. The company specializes in enabling developers of POS solutions to seamlessly integrate card payment functionality into their applications, facilitating secure processing of EMV, contactless, and mobile wallet transactions. Payworks' cloud-based platform is designed to make card acceptance at the POS efficient and cost-effective, enhancing the payment experience for businesses. The company serves leading acquirers and payment providers worldwide and was acquired by Visa in July 2019.

Realbest is Germany's first online sales platform dedicated to residential real estate, streamlining the sales process for both sellers and buyers. The platform facilitates property valuation for homeowners and enables online reservations by potential buyers. By digitizing the real estate transaction process, Realbest enhances transparency and expedites purchasing, ensuring sellers achieve optimal prices for their properties. The platform also connects market professionals, including estate agents and financial advisers, who can manage property transactions both online and offline, thereby broadening the reach of real estate listings and maximizing customer potential. This innovative approach positions Realbest as a significant player in the digital real estate market.

Omnyway specializes in creating innovative solutions for the retail industry, focusing on simplifying digital commerce for both physical and online environments. Their VISX livestream commerce solution allows retail employees to engage customers through video shopping, enabling viewers to purchase items in real-time while attributing sales to the respective employees and their stores. Additionally, Omnyway's HaiWai platform facilitates the acceptance of popular global digital wallets at existing point-of-sale systems without the need for hardware or software changes, ensuring seamless integration. The company also offers Zapbuy, a feature that enables one-click purchases directly from digital advertisements. With a cloud-based platform designed for rapid deployment and scalability, Omnyway empowers retailers, banks, and brands to create a cohesive digital commerce ecosystem, enhancing the shopping experience and streamlining payment processes.

PayKey provides a mobile banking solution that allows banks to offer a variety of financial services, such as peer-to-peer payments, balance checks, and cardless withdrawals, directly within any mobile application. By integrating a banking button into the smartphone keyboard, PayKey enhances user engagement and simplifies the banking experience, enabling customers to access financial services seamlessly without switching apps. This innovative approach helps banks remain relevant in a competitive landscape where consumers demand instant and efficient access to their financial needs. By facilitating these services in a contextually relevant manner, PayKey aims to improve user experience and strengthen brand loyalty for banks.

Marqeta operates a modern card issuing and payment processing platform that enables businesses to create customized payment solutions using open APIs. Founded in 2010 and headquartered in Oakland, California, with an additional office in London, Marqeta's platform allows users to build, issue, and manage digital, physical, and tokenized payment cards. The company provides a range of services including virtual cards, real-time fund transfers, spend controls, and data analytics solutions. Marqeta serves various industries such as e-commerce, lending, on-demand services, and digital banking by offering flexible and scalable payment infrastructure. It is certified to operate in 40 countries globally.

Bankin' is the Best Mobile Money Manager. Bankin' app makes money management super easy. At Bankin', they believe that money management must be simple, transparent and efficient so you can focus on what really matters to you. Their mission is to bring innovation and technology together to offer you the best solution to guide you every day. They are the leader in Europe: you are more than 1.5 million to trust us in France, in England, in Spain, and in Germany. They are the only company independent of banks in Europe. It is something they feel very strongly about because it allows us to provide better guidance by always suggesting what's right for you.

PayKey provides a mobile banking solution that allows banks to offer a variety of financial services, such as peer-to-peer payments, balance checks, and cardless withdrawals, directly within any mobile application. By integrating a banking button into the smartphone keyboard, PayKey enhances user engagement and simplifies the banking experience, enabling customers to access financial services seamlessly without switching apps. This innovative approach helps banks remain relevant in a competitive landscape where consumers demand instant and efficient access to their financial needs. By facilitating these services in a contextually relevant manner, PayKey aims to improve user experience and strengthen brand loyalty for banks.

Iwoca Ltd. is a credit finance provider based in London, United Kingdom, that specializes in offering financial services to small businesses. Founded in 2011, the company assists various sectors, including retailers, restaurants, and service providers, by providing unsecured business loans and short-term cash loans. Iwoca's financing solutions help businesses address short-term cash flow gaps and invest in growth opportunities such as inventory, technology, and employee expenses. The platform features a streamlined online application process, allowing clients to secure funding with flexible repayment options ranging from one day to 24 months, and there are no penalties for early repayment. Through its services, Iwoca enhances the financial capabilities of small businesses, enabling them to thrive in a competitive market.

Mambu is a leading provider of a cloud-based core banking platform that specializes in composable banking solutions. Founded over a decade ago, the company has pioneered the concept of composable banking, allowing financial institutions to combine independent systems and connectors to create customized banking solutions that adapt to evolving customer demands. With a presence in 60 countries, Mambu serves over 200 clients, including banks, lenders, fintech companies, and retailers, enabling them to develop and deploy modern digital financial products efficiently and securely. The platform supports the creation, launch, and servicing of various loan and deposit products, providing a flexible architecture that empowers financial institutions, including microfinance organizations, to effectively address market opportunities and deliver essential banking services.

Getsafe is a digital insurance company focused on enhancing the insurance experience through technology. It leverages a unique platform that simplifies the process of obtaining and managing insurance coverage, making it both fair and accessible. By utilizing automation and machine learning, Getsafe enables customers to easily manage their policies, including renters, legal, personal liability, content, income protection, and car insurance, all from their smartphones. The company streamlines traditionally complex tasks, allowing users to file claims or adjust their coverage in real time with minimal effort.

Marqeta operates a modern card issuing and payment processing platform that enables businesses to create customized payment solutions using open APIs. Founded in 2010 and headquartered in Oakland, California, with an additional office in London, Marqeta's platform allows users to build, issue, and manage digital, physical, and tokenized payment cards. The company provides a range of services including virtual cards, real-time fund transfers, spend controls, and data analytics solutions. Marqeta serves various industries such as e-commerce, lending, on-demand services, and digital banking by offering flexible and scalable payment infrastructure. It is certified to operate in 40 countries globally.

Iwoca Ltd. is a credit finance provider based in London, United Kingdom, that specializes in offering financial services to small businesses. Founded in 2011, the company assists various sectors, including retailers, restaurants, and service providers, by providing unsecured business loans and short-term cash loans. Iwoca's financing solutions help businesses address short-term cash flow gaps and invest in growth opportunities such as inventory, technology, and employee expenses. The platform features a streamlined online application process, allowing clients to secure funding with flexible repayment options ranging from one day to 24 months, and there are no penalties for early repayment. Through its services, Iwoca enhances the financial capabilities of small businesses, enabling them to thrive in a competitive market.

eToro is a global multi-asset investment platform founded in 2007, based in London. It empowers individuals to grow their knowledge and wealth by providing a social trading network that allows users to trade various assets including currencies, commodities, indices, crypto assets, and stocks. eToro's platform enables users to manually invest in different asset classes or automatically copy the trades of other successful traders within its community of over 23 million registered users. The company operates as a subsidiary of eToro Group Limited.

Money Fellows is a collaborative lending and savings platform designed to help individuals access interest-free credit and achieve better savings outcomes. The platform allows users to form circles with friends and family, enabling them to pool their resources into a common fund. Participants can contribute to this fund and take turns withdrawing the total amount, facilitating a supportive financial network. By leveraging social connections, Money Fellows provides a unique approach to saving and borrowing, promoting financial collaboration among users.