Curql Collective

Amount, Inc. is a digital technology company based in Chicago, Illinois, specializing in mobile banking solutions for financial institutions. Established in 2018, Amount focuses on accelerating digital transformation by offering a range of services that enhance customer acquisition and optimize performance across various product categories, including personal loans, credit cards, and deposit accounts. Its flagship product, Amount 360, is a cloud-based platform that provides comprehensive solutions with features such as omnichannel integration, fraud prevention, and risk analytics. Amount's services enable financial institutions to modernize their retail offerings and improve user experiences, with clients collectively managing nearly $1 trillion in U.S. assets and serving over 25 million customers.

ModernFi operates a deposit network designed to assist financial institutions in managing and expanding their deposit base. The company offers solutions that enable institutions to sweep funds, source deposits, and provide extended insurance to their depositors through partner institutions. By focusing on attracting and retaining large-value depositors, ModernFi aims to enhance growth and improve balance sheet stability for its clients.

Spiral is the award-winning personalized banking platform that enables banks and credit unions to grow deposits and attract new account holders through financial wellness and community impact. With Spiral, financial institutions can positively impact the lives of their account holders and their communities through any online bank account, debit card, or credit card. Thus, Spiral makes it simple for financial institutions to drive positive change and empower millions of people to build better lives and positively impact their communities. Spiral is spearheaded by fintech serial entrepreneur Shawn Melamed, a former Managing Director of Morgan Stanley's Technology Business Development and Innovation Offices. Their mission-driven team has deep banking, nonprofit, and fintech expertise, including Jim Rosenthal, the former COO of Morgan Stanley, who is part of Spiral's board.

Provision IAM specializes in providing a role-based identity access management system tailored for mid-sized banks and credit unions. The company automates routine tasks associated with user access management, allowing employees to concentrate on more critical activities. By enhancing security measures and streamlining audit preparation processes, Provision IAM helps financial institutions meet their specific operational requirements and supports their growth objectives. Through its innovative solutions, Provision IAM addresses the unique challenges faced by the financial sector, ensuring effective management of access and identity while minimizing overhead.

AKUVO specializes in providing cloud-native collections and credit risk management software tailored for financial institutions such as banks, credit unions, and fintech companies. The company's platform incorporates advanced technologies, including artificial intelligence, machine learning, and natural language processing, to improve the efficiency of collection processes, reduce operational costs, and proactively identify potential delinquencies. By transforming valuable market and business performance data into actionable insights, AKUVO helps its clients make informed financing and lending decisions. Their solutions emphasize a digital consumer experience and a behavior-based approach to managing account performance, ultimately enhancing overall business performance for their users.

Bankjoy is a fintech company based in Detroit that specializes in providing modern banking technology solutions for banks and credit unions. Founded in 2014, the company's offerings include mobile banking, online banking, e-statements, online account opening, and loan applications, as well as features like AI-powered voice banking. Bankjoy's platform enables users to perform essential banking tasks such as paying bills, depositing checks, and sending money. It also includes functionalities for check deposits, travel notifications, and blocking lost or stolen cards. By focusing on user experience and design, Bankjoy aims to deliver advanced features with simple navigation, allowing credit unions to effectively compete with larger financial institutions. The company is backed by Y Combinator, emphasizing its commitment to innovation in the banking sector.

Neural Payments, Inc. is a financial technology company based in Mason, Ohio, that was established in 2019. The company specializes in providing payment services designed to help financial institutions adapt to evolving market demands. Its offerings include facilitating digital adoption, reducing transaction costs, minimizing fraud exposure, and streamlining technology integrations. By connecting financial institutions with innovative payment solutions, Neural Payments enables them to stay aligned with the latest technological advancements and industry trends.

Equipifi is a fintech software-as-a-service company that provides banks and credit unions with Buy Now, Pay Later (BNPL) solutions tailored to their cardholders' financial needs. The platform integrates seamlessly into existing banking applications, allowing financial institutions to enhance customer engagement, expand market share, and increase revenue. By offering features such as automatic notifications and real-time performance dashboards, Equipifi simplifies the user experience, enabling consumers to easily view, accept, and manage their BNPL plans. This approach not only reduces friction in the payments ecosystem but also empowers users to take advantage of BNPL benefits within their current banking framework.

Posh develops a conversational AI platform for the banking industry. Its platform creates AI assistants that help frontline staff and customer interactions. Purpose-built for financial services, Posh’s AI spans voice, digital, and knowledge channels, offering conversational customer service, 24/7 self-service, and increased employee efficiency.

LoanStreet Inc. operates an integrated online platform that simplifies the sharing, managing, and originating of loans for credit unions, banks, and direct lenders. Founded in 2013 and based in New York, the company provides a marketplace that facilitates the efficient syndication of loans of any size. LoanStreet automates and standardizes the entire loan process, allowing lenders and investors to buy, sell, and manage loans directly through its platform. The service includes features such as real-time reporting, standardized agreements, and enhanced balance sheet management, which help users optimize capital and reduce administrative costs. By offering deep insights into loan distribution and performance, LoanStreet enables financial institutions to grow and diversify their portfolios effectively.

Eltropy India is a digital communications platform designed to enhance engagement and revenue for financial service institutions. The company enables secure and compliant digital interactions through various channels, including text, video, audio, secure chat, and social messaging. Its platform serves a diverse range of clients, including credit unions, banks, debt collectors, insurance companies, lenders, and fintech firms, helping them improve operations and productivity. Eltropy also offers integration with IT systems such as Symitar and Corelation, along with analytics tools that provide valuable insights into customer engagement.