MassChallenge

Fixa is a fintech company focused on enhancing workforce management for African businesses that employ temporary workers. It operates a digital staffing platform designed to formalize the informal workforce sector by automating key processes such as recruitment, onboarding, scheduling, time and attendance tracking, and performance analytics. Through its comprehensive services, Fixa aims to provide young individuals with stable job opportunities, enabling them to achieve decent work and reliable income.

Ujamaa Incorporated is a digital wallet app for BIPOC college students and graduates to pay off debt, build credit, and learn financial literacy through everyday purchases and payments.

Curio is a digital asset investment platform specializing in the tokenization of collectible and rare cars. By leveraging blockchain technology, particularly on networks like Ethereum, Curio aims to simplify the investment process in this lucrative asset class, which has outperformed traditional financial indices since 2008. The company provides an innovative solution that eliminates high capital requirements, making it more accessible for a wider range of investors to participate in the collectible car market. Curio's mission focuses on pioneering the adoption of distributed ledger technologies in the automotive sector, enabling individuals to invest directly in prestigious vehicles without the need for costly intermediaries. Through its analytics engine and tailored approaches, Curio seeks to revolutionize how people engage with and invest in high-value collectibles.

AcDiTo is more than just a platform - it’s a community of African consumers who value convenience, variety, and security. Whether you need a ride, to pay a bill, or to complete a project, AcDiTo connects you with the best options and experts in minutes. Our use of blockchain technology ensures secure and transparent transactions, while our artificial intelligence provides personalized assistance. With AcDiTo, you’re not just accessing services - you’re making an impact in your city.

CryptoClear is a technology company that specializes in providing comprehensive intelligence and risk assessment services for the blockchain ecosystem. It offers a digital asset management platform that uses big data and artificial intelligence to analyze blockchains, detect unusual patterns, and identify key influencers and potential risks. This enables investors to gain a holistic view of the blockchain landscape, make informed decisions, and manage their digital assets confidently. The company is also exploring opportunities in asset tokenization analytics.

Dollarito is a digital lending platform that helps the Hispanic population with no credit history or low FICO score access fair credit. The company specializes in the fields of credit, financial services, fintech, and personal finance.

Blockpliance is a technology company that specializes in blockchain analytics. It provides a platform designed to assist compliance teams in financial institutions to safely engage with crypto-derived assets. The platform assigns risk scores to crypto wallets based on their behavior, using a proprietary algorithm that analyzes transactions for potential criminal activities such as money laundering, human trafficking, terrorist financing, ransomware, and scams. This enables banks to make informed decisions and meet regulatory requirements while interacting with the crypto ecosystem.

Fintech, AI, Machine Learning ESG, Social Impact Measurement and Management Data. We put the S in ESG.

OnCorps, Inc. is a decision guidance platform that specializes in customized solutions to enhance performance in asset management, sales, pricing, and forecasting. Founded in 2009 and headquartered in Boston, Massachusetts, with additional offices in New York and Bristol, the company serves global financial, consulting, and technology firms. By leveraging machine learning and behavioral science algorithms, OnCorps provides personalized decision-making tools that streamline financial processes and improve operational efficiency. The platform is designed to engage users and deliver comprehensive data, enabling clients to make better, more actionable decisions while reducing risk and shortening cycle times.

InterGen Data, Inc. develops cloud-based artificial intelligence software and machine learning algorithms tailored for banking, wealth management, insurance, and fintech sectors. Founded in 2017 and located in Murphy, Texas, the company provides a platform that helps financial professionals anticipate significant life events for their clients, enabling better financial planning. Its key offerings include SoLOMON, an AI engine that evaluates factors like age, risk tolerance, and healthcare costs; LSLE, which identifies potential life events; and DAViD, a robo-advice widget that delivers insights about clients' lives. InterGen Data operates on a Data as a Subscription model, supplying actionable insights to financial services firms, healthcare providers, and insurance companies to identify coverage gaps and uncover revenue opportunities.

Andes Wealth Client Experience Technology is a powerful communication platform that makes it easy for financial advisors to communicate complex issues around risk and behavior through unique and intuitive visualizations and proprietary questionnaires. It gives financial advisors an unbeatable edge in attracting, onboarding and servicing their clients.

Otomo delivers self-driving finance as-a-service to retail financial institutions, fintech companies, and brands. The company offers an AI-powered platform that provides consumers with autonomous finance tools, designed to simplify their financial lives by eliminating forethought and guesswork. Additionally, Otomo enhances personal and financial wellness through a perks and rewards system that offers personalized discounts and incentives. This approach not only improves consumer engagement but also helps clients reduce churn and achieve positive returns. By creating an integrated and user-friendly experience, Otomo aims to transform the way individuals manage their finances.

Micruity is a company focused on enhancing retirement income security for Americans by making lifetime income options more accessible. It offers a sophisticated suite of APIs designed for financial institutions, including 401(k) providers, to seamlessly integrate annuities into their offerings. This innovative approach addresses the growing need for secure retirement income solutions, mimicking the characteristics of traditional pensions. Additionally, Micruity's income connectivity platform supports efficient data sharing among insurers, asset managers, recordkeepers, and other technology partners, facilitating the transformation of retirement savings plans into reliable income streams for retirees.

Datia is a data platform focused on sustainable finance, collaborating with innovative financial institutions to streamline their Environmental, Social, and Governance (ESG) workflows. The platform facilitates ESG data collection and analysis, portfolio screening, and modeling of ESG preferences. It also automates reporting in accordance with sustainable finance regulations, such as the SFDR and EU Taxonomy. Additionally, Datia's application highlights the impact of investments on climate and societal factors, such as carbon emissions and gender equality. By providing insights into the sustainability of various investment options, Datia empowers users to make informed decisions that align with their values while seeking financial returns.

i2Chain, Inc. is a technology company that specializes in developing a secure Software as a Service (SaaS) platform for the safe sharing of sensitive documents. Incorporated in 2018 and based in San Ramon, California, i2Chain serves a range of clients, including mortgage companies, banks, accounting firms, and hospitals. The platform employs blockchain and smart contract technology to create secure, non-fungible documents that are traceable throughout their lifecycle. Additionally, it offers plugins for Outlook and Gmail, allowing users to create and share encrypted messages and documents in a privacy-compliant manner. Key features of the platform include secure remote access, secure distribution, traceable security, and comprehensive audit logs, all designed to mitigate the risks associated with information breaches.

Xiggit is a Palo Alto-based fintech startup established in 2019, specializing in modernizing employee benefits for small and medium-sized businesses (SMEs). The company's innovative platform enables SMEs to offer a wide range of high-value financial benefits to their workforce, including full-time, part-time, contract, and gig workers, by setting a budget per employee. Xiggit's unique approach simplifies benefit provisioning, allowing SMEs to provide "large company benefits" to their employees at a lower cost, thereby improving the financial well-being of their workers.

Alfi is a platform aimed at enhancing financial literacy by connecting users with financial services and products through financial intermediaries. Established in 2019, the company serves various stakeholders, including governments, citizens, and financial institutions. Alfi employs gamification and machine learning to offer engaging, free services that help users develop informed financial decision-making skills for better present and future welfare. The platform's application leverages artificial intelligence to categorize users based on their financial profiles and preferences, promoting competition among users to enhance learning. As of now, Alfi has attracted 150,000 registered users and aspires to be recognized as a leader in promoting financial education and inclusion across the Americas, Africa, and Asia by 2023.

Dakko Wellbeing is a marketplace that enables access to Health & Financial Wellness services for employees and their families. Dakko empowers emerging market employers to engage with their employees by offering digital services like HR services, rewarding them for applying for medical loans and health insurance, booking medical appointments, playing sports and taking care of their health and wellbeing. Studies show that high employee wellbeing boosts satisfaction, teamwork, productivity, and even improves a company’s bottom line. Along the journey, Dakko intends to provide micro recommendations that improve financial, insurance & health literacy, building skills for better long term wellbeing.

SlightPay is the most accessible payment method for your customers and the perfect tool to increase your sales, which offers to divide purchases into 4 installments, without a credit card or phantom installments.

Otomo delivers self-driving finance as-a-service to retail financial institutions, fintech companies, and brands. The company offers an AI-powered platform that provides consumers with autonomous finance tools, designed to simplify their financial lives by eliminating forethought and guesswork. Additionally, Otomo enhances personal and financial wellness through a perks and rewards system that offers personalized discounts and incentives. This approach not only improves consumer engagement but also helps clients reduce churn and achieve positive returns. By creating an integrated and user-friendly experience, Otomo aims to transform the way individuals manage their finances.

Black Opal is a credit and debit card provider for ex-pats and professionals moving to the USA. The goal of Black Opal is to assist professionals in establishing their credit, increasing their profitability, and integrating into society.

Debtle is a Sheboygan, Wisconsin-based company founded in 2019 that specializes in a digital payment platform aimed at negotiating and settling consumer debts. The platform automates and enhances the negotiation and settlement processes for overdue customer accounts, allowing clients to resolve their financial obligations efficiently and transparently. By focusing on a frictionless user experience, Debtle addresses the complexities of debt management, making it easier for individuals to handle their financial responsibilities.

Vitto is a fintech startup that focuses on micro, small, and medium enterprises (MSMEs) by utilizing alternative data for credit risk profiling and automating credit decision-making through artificial intelligence. The company has developed a financial platform tailored for users who prefer local languages, allowing them to access a range of micro-financial services. This platform supports non-banking financial companies (NBFCs), microfinance institutions (MFIs), and other financial entities by offering actionable customer insights and facilitating customer onboarding. Additionally, the platform aids financial institutions in planning and managing field operations, enabling micro-lenders to maintain digital relationships with their clients effectively.

Bridge Financial Technology Inc. offers automated Software-as-a-Service solutions tailored for Registered Investment Advisors (RIAs), financial advisors, and wealthtech companies. Founded in 2015 and based in Chicago, Illinois, the company specializes in portfolio accounting and management software. Its flagship Atlas platform facilitates efficient billing, invoicing, performance aggregation, client portal access, and file sharing. By addressing inefficiencies and promoting technology adoption, Bridge Financial Technology empowers fiduciary advisors to enhance their competitiveness, scale their operations, and reduce costs, thereby enabling broader access to fiduciary financial advice for clients.

Benekiva is a technology company focused on the life insurance industry, offering a cloud-based platform that enhances beneficiary management and streamlines the claims process. Its blockchain-backed solution enables insurance companies to automate documentation and payment processing, ensuring a secure and efficient experience for beneficiaries. The platform allows for the proactive updating of policyholder information and effective management of beneficiary data, while also facilitating compliance with unclaimed property and escheatment laws. Additionally, Benekiva's system supports a fully digital claims process and provides valuable data analytics that can transform claims operations into a revenue-generating engine. By prioritizing the needs of beneficiaries, Benekiva aims to become the preferred platform for insurance companies seeking to improve customer experience and operational efficiency.

eCredable is a data furnisher that assists consumers and small business owners in establishing and improving their credit scores by allowing them to report utility and phone bill payments to TransUnion. Founded with the aim of addressing the gap in credit reporting, eCredable Lift enables users to leverage their payment history for better credit access, as many traditional credit bureaus do not account for these essential payments. This service targets approximately 45 million consumers who can immediately benefit, with an additional 80 million potentially able to improve their credit profiles. For small business owners, eCredable Lift facilitates the reporting of business-related expenses that typically go unreported, which can help them develop a business credit score. This is particularly important, as 85% of businesses lack a credit score from major business credit bureaus, thus limiting their financial opportunities.

Farther is a technology-driven wealth management firm founded in 2019, aimed at serving high-net-worth professionals with a holistic approach to financial management. The firm integrates expert financial advisors with advanced technology to enhance client experiences and deliver personalized advice. Farther's platform utilizes a proprietary algorithm to provide tailored investment recommendations, focusing on allocations of exchange-traded funds based on individual client data, financial situations, and risk tolerance. By combining personal service with sophisticated analytics, Farther seeks to redefine wealth management standards, ensuring that clients receive both trusted guidance and innovative financial solutions to achieve their long-term financial goals.

Worthright is a secure platform and intelligent service for home care companies to provide payment options and financial assistance to their clients. Their businesses are enrolled in Worthright. Their program enables the company to deliver services to more clients, keep current clients for longer, and accurately forecast staffing needs. Their business delivers planning, lending, and a shared family banking experience where we unlock money to fund care and ensure the entire family.

Qoins Technologies, Inc., established in 2017 and based in Atlanta, Georgia, specializes in developing financial wellness applications. Its core product is an automated platform that helps users reduce their debt by rounding up daily credit card purchases and applying the spare change towards their student loans or credit card balances. This process, which occurs in $5.00+ increments, enables users to pay off their debt more quickly and achieve their financial goals.

Rialto Markets operates a digital trading and investing platform focused on the fixed income market, providing innovative tools that facilitate capital formation for issuers, investors, and traders. The company has created three distinct products that enhance liquidity sourcing, which can be utilized independently or in combination for greater effectiveness. Their platform integrates pre-trade analytics, anonymous crossing, and advanced data mining capabilities, allowing users to discreetly execute large block trades while minimizing market impact. Through these offerings, Rialto Markets aims to streamline and improve the trading experience for participants in the fixed income sector.

Gig Wage is a fintech payroll company founded in 2014 and headquartered in Dallas, Texas. It focuses on providing a financial social safety net for gig workers and independent contractors by offering a scalable platform that facilitates contractor payroll, payments, and compliance. The platform enables businesses to efficiently manage the payment process for any number of contractors while ensuring transparency for gig workers. Additionally, Gig Wage allows independent contractors to track their work, initiate invoices, and receive payments seamlessly. The company has partnered with Green Dot to offer customized banking solutions, including a fee-free debit card, free online bill pay, and access to cash withdrawals at thousands of ATM locations. By addressing the complexities of payments, banking, and tax compliance, Gig Wage aims to simplify financial management for both gig workers and their employers.

Flourish Savings, Inc. is a digital engagement platform based in Albany, California, that focuses on enhancing financial habits through a rewards-based online and mobile savings account. Founded in 2017, the company aims to appeal to individuals who underutilize traditional banking services. Flourish Savings provides financial institutions, such as banks and credit unions, with tools to attract new consumers and encourage meaningful financial actions. Its innovative platform allows users to grow their savings by engaging in activities that unlock prizes, thereby promoting positive financial behaviors. By facilitating new deposits and fostering deeper relationships between consumers and financial institutions, Flourish Savings contributes to increased revenue and customer engagement in the financial services sector.

BodesWell specializes in self-service financial planning software aimed at financial institutions, enabling them to offer planning benefits to individuals who do not have access to an advisor. The company's automated tools assist users in tracking budgets and managing investments, focusing on financial milestones such as purchasing a home, funding education, and preparing for retirement. By integrating BodesWell's solutions into existing online platforms, established financial services companies can effectively reach and support underserved customers. In June 2022, BodesWell was acquired by American Express, further enhancing its capacity to deliver comprehensive financial planning resources.

Optalitix is a cloud software provider that offers a platform designed for insurers and banks to host various models, including spreadsheets and AI applications. Their flagship product, Optalitix Models, enables clients to convert Excel spreadsheets into scalable systems without the need for coding. The platform leverages both internal and external data to generate insights, facilitating improved decision-making processes. In addition to model hosting, Optalitix offers a hosted underwriting workbench called Optalitix Quote, which enhances underwriting performance. The company also provides tools that utilize these hosted models to optimize credit origination, embedded insurance, sales insights, and broker sales, ultimately helping clients to underwrite insurance more effectively, acquire and retain customers, and personalize policy offerings.

RealKey, Inc., based in San Francisco and established in 2015, specializes in digital mortgage technologies that enhance the mortgage processing experience for both bank and non-bank mortgage loan originators. Its innovative RealKey Digital Mortgage Platform addresses inefficiencies in traditional mortgage systems by automating document collection, data review, and secure communication among all stakeholders. This platform significantly reduces the loan processing cycle by approximately 50%, enabling mortgage loan originators to close more loans efficiently, which is particularly vital given the current challenges of rising interest rates and declining mortgage lending activity. RealKey’s software integrates seamlessly with existing point-of-sale and loan origination systems, offering a fully digital mortgage processing experience that empowers lenders and brokers to improve their operations and better serve their clients.

SpenDebt is a financial technology company that helps individuals manage and repay their debts more effectively. It offers a platform that automates debt repayment through the use of micropayments, typically set at $1.00, which are added to everyday transactions. As customers make purchases, these predefined amounts accumulate and are submitted as monthly payments toward their debts. This approach not only simplifies the repayment process but also instills financial discipline, ensuring timely payments that gradually reduce the consumer's outstanding balance. By integrating debt repayment into routine spending, SpenDebt aims to enhance financial health for its users.

Binkabi is a Fintech start-up that reimagines global agrifood trade to create a more affluent and fairer system for all in the Binkabi network. Binkabi’s core innovation, the Barter Block, enables direct, secure and cost-effective agriculture commodity trading in a decentralised manner through the use of blockchain technology. Barter Block incentivises the automatic balancing of bilateral trade, empowering countries to trade internationally in their local currencies. The Binkabi name and logo is inspired by the West African symbol Bi Nka Bi for peace and harmony.

Verqor is an innovative platform that transforms the agricultural sector by integrating finance and technology. It provides farmers with access to cashless credits, facilitating the purchase of essential supplies and machinery. By employing an alternative data-driven credit scoring system, Verqor aims to enhance financial inclusion within the agricultural community. The platform connects various stakeholders in the agriculture industry, including buyers, sellers, and financial institutions, promoting collaboration and transparency. Financial institutions can issue low-risk credits based on Verqor's unique credit assessment criteria, ensuring that farmers can acquire necessary resources while enabling crop buyers to access quality produce. This approach empowers farmers and strengthens supply chain management in the agriculture sector.

Hashing Systems is a production studio focused on facilitating the development of decentralized applications on the Hedera Hashgraph platform. Founded in 2018 and based in Dallas, Texas, the company offers a range of tools designed to simplify DApp creation and resource management. Key offerings include Hash.js, a library that enables secure interaction with keys; Composer, which allows users to interact with smart contracts and manage files directly in their browsers; and a Decentralized Web Console for overseeing smart contracts and storage on the Hedera infrastructure. Additionally, Hashing Systems provides the Hash Name Service, which connects apps and accounts through updateable domains, as well as DailyStamp.io, a hashgraph-based blogging and social media platform, and MyHBARTokens.com, a web wallet for sending HBAR and ERC20 tokens. By delivering these services, Hashing Systems aims to streamline the development process and promote efficient communication and resource sharing in the decentralized finance landscape.

Posh is a conversational AI and NLP technology development company that enables developers to deliver a new way to interact with users. With Posh, website actions that takes minutes to complete can be sped up to just seconds with a simple message from bots. Companies in finanical services, healthcare, utilities, and beyond are using the Posh platform to re-create call centers and automate routine requests for both customers and staff while saving time and money. The company wants to make the internet experience easier and more enjoyable. Posh was launched on 2015 and is based in Boston, Massachusetts.

IMIX Consulting S.A.S specializes in creating inclusive digital ecosystems focused on financial inclusion. Based in Bogotá, Colombia, with additional offices in Quito, Ecuador; Lima, Peru; and San José, Costa Rica, the company offers a digital platform that transforms transactional processes and connects physical and digital channels. This platform provides a comprehensive portfolio of financial services, linking individuals and businesses while enabling financial and microfinance institutions to enhance their service offerings. IMIX Consulting also delivers consulting and digital payment services, facilitating the interconnection of payment and credit solutions for its clients.

Quiena Inversiones is a retail investor platform that empowers small and medium savers to access investment products that were previously out of reach. Utilizing advanced technology, Quiena enables customers to begin investing with a single click, regardless of their prior knowledge. The platform automatically manages investments tailored to each user's goals and needs, providing solutions for short-term cash management in local currency, options for converting balances to US dollars, and opportunities for long-term investments in global assets. By calculating optimal portfolios based on individual risk profiles and objectives, Quiena offers a seamless way to navigate local, international, and sector-specific risks while maximizing potential returns.

B2B Pay offers virtual bank accounts for companies that exports into Europe which collects payments domestically. Its mission is to make international business transactions as quick and as cheap as possible with complete transparency about costs. It simplifies the bureaucratic process and eliminates the need for back and forth paperwork. The partners of the company are BARCLAYS, techstars, Nordea Startup Accelerator, Nestholma Venture Accelerator, and Tekes Venture Capital. B2B Pay is a Finland-based company that was founded in 2015 by Neil Ambikar and Kasper Souren.

TradeBlock, Inc. is a New York-based company that specializes in developing institutional trading tools for digital currencies. Founded in 2013, it provides financial institutions with a comprehensive suite of execution and analysis tools tailored for the digital currency markets. TradeBlock serves as a global source of data, offering insights on market trends, cryptocurrency trading, regulations, mining, protocol updates, blockchain analysis, and economic developments. As of December 31, 2020, TradeBlock operates as a subsidiary of CoinDesk LLC.

Abaka Holdings Ltd., established in 2016 and headquartered in London, operates an AI-powered digital savings and retirement platform. It partners with financial institutions to provide scalable, affordable advice on pensions, savings, and investments to retail customers. Abaka's platform offers conversational AI, personalized behavioral nudges, data aggregation, and financial planning tools, benefiting over 9 million users worldwide through its enterprise clients, which include tier-one banks, pension providers, and asset managers across multiple countries.

Semantic Evolution, based in London with an office in New York, specializes in artificial intelligence and Intelligent Data Extraction. The company addresses the challenges businesses face in managing unstructured data, which constitutes approximately 80% of all information and is often difficult to access. By utilizing proprietary machine learning, advanced semantics, and natural language processing, Semantic Evolution's technology automates the extraction of critical data from unstructured documents, transforming it into actionable information. This approach allows clients, particularly in the finance industry, to visualize, normalize, and validate data efficiently. As a result, companies that implement Semantic Evolution's solutions benefit from enhanced operational efficiencies, improved data quality, and reduced processing times, ultimately achieving rapid returns on investment while freeing up resources and cutting costs.

Zogo, established in 2018 and headquartered in Newark, Delaware, is a mobile application that promotes financial literacy among children and teenagers. It offers over 300 interactive, bite-sized modules covering various personal finance topics, starting from basic concepts like budgeting and progressively advancing to more complex ideas. Users engage with these modules, learn five key concepts, and then take a five-question quiz to earn points, represented as 'pineapples'. These points can be redeemed for rewards such as gift cards. Zogo partners with financial institutions to co-brand the app, enabling them to engage, attract, and learn about Generation Z. The company has received backing from Techstars and MetLife, and has been recognized for its innovation in the financial industry, winning the 2019 NACUSO Next Big Idea Competition and the "Best of Show" at FinovateFall 2019. Zogo is developed by a team of Generation Z individuals, with a focus on creating a platform tailored to their peers.

InterGen Data, Inc. develops cloud-based artificial intelligence software and machine learning algorithms tailored for banking, wealth management, insurance, and fintech sectors. Founded in 2017 and located in Murphy, Texas, the company provides a platform that helps financial professionals anticipate significant life events for their clients, enabling better financial planning. Its key offerings include SoLOMON, an AI engine that evaluates factors like age, risk tolerance, and healthcare costs; LSLE, which identifies potential life events; and DAViD, a robo-advice widget that delivers insights about clients' lives. InterGen Data operates on a Data as a Subscription model, supplying actionable insights to financial services firms, healthcare providers, and insurance companies to identify coverage gaps and uncover revenue opportunities.

CogniCor Technologies S.L. is a Barcelona-based company founded in 2012 that specializes in automated complaint resolution services and artificial intelligence solutions. Its offerings include iComplaint, which integrates with websites to address customer complaints; iResolve, which directly resolves these complaints; iMediate, designed to settle claims and retain clients through counter offers; and iReport, aimed at identifying and addressing the root causes of complaints to prevent future issues. Additionally, CogniCor develops advanced AI platforms and digital assistants to improve operational efficiency and customer service for wealth management firms, insurance companies, and financial advisors.

Hydrogen operates a no-code platform designed to simplify crypto payments for users, allowing them to spend cryptocurrency at any merchant that accepts debit cards. The platform offers a white-labeled debit card program that integrates seamlessly with various financial technologies, including wallets, money service businesses, processors, sponsor banks, rewards networks, and KYC vendors. By bundling these services under a single contract, Hydrogen enables Web3 companies to efficiently manage crypto transactions. The company has received multiple accolades, including recognition as a World-Changing Technology by Fast Company and FinTech Startup of the Year by KPMG Luxembourg. Additionally, Hydrogen is a graduate of several prestigious fintech accelerator programs, reflecting its commitment to empowering organizations to create innovative financial products for customers worldwide.

Payitoff is a New York-based company that specializes in debt infrastructure, primarily focusing on student loan repayment solutions. It offers an API platform designed to assist fintechs, workplace providers, and financial institutions in managing student loans effectively. The platform evaluates customers' student loans to create optimal repayment schedules and identifies potential savings opportunities, enabling users to project outcomes for various repayment strategies, including income-driven options. By leveraging these tools, Payitoff aims to help the average customer save approximately $240 per month on their student loans, thereby empowering individuals to make informed financial decisions.

Zogo, established in 2018 and headquartered in Newark, Delaware, is a mobile application that promotes financial literacy among children and teenagers. It offers over 300 interactive, bite-sized modules covering various personal finance topics, starting from basic concepts like budgeting and progressively advancing to more complex ideas. Users engage with these modules, learn five key concepts, and then take a five-question quiz to earn points, represented as 'pineapples'. These points can be redeemed for rewards such as gift cards. Zogo partners with financial institutions to co-brand the app, enabling them to engage, attract, and learn about Generation Z. The company has received backing from Techstars and MetLife, and has been recognized for its innovation in the financial industry, winning the 2019 NACUSO Next Big Idea Competition and the "Best of Show" at FinovateFall 2019. Zogo is developed by a team of Generation Z individuals, with a focus on creating a platform tailored to their peers.

Stratyfy, Inc. is a New York-based company that specializes in AI-driven predictive-modeling software tailored for financial institutions. Founded in 2017, Stratyfy's platform enables users to develop predictive models and optimize decision-making processes while ensuring transparency and compliance within highly regulated environments. The software provides solutions for credit risk assessment and insurance fraud detection, empowering business leaders, data scientists, and compliance professionals to make informed, ethical decisions. Stratyfy's proprietary technology, branded as Smartificial Intelligence™, enhances traditional human expertise with explainable AI, facilitating a clear understanding of predictions and decisions. This approach addresses the challenges of machine learning in the financial sector, ensuring that models are both accurate and comprehensible. With research and development operations in Israel and Germany, Stratyfy aims to reduce operational and financial risks for its clients.

Payitoff is a New York-based company that specializes in debt infrastructure, primarily focusing on student loan repayment solutions. It offers an API platform designed to assist fintechs, workplace providers, and financial institutions in managing student loans effectively. The platform evaluates customers' student loans to create optimal repayment schedules and identifies potential savings opportunities, enabling users to project outcomes for various repayment strategies, including income-driven options. By leveraging these tools, Payitoff aims to help the average customer save approximately $240 per month on their student loans, thereby empowering individuals to make informed financial decisions.

Posh is a conversational AI and NLP technology development company that enables developers to deliver a new way to interact with users. With Posh, website actions that takes minutes to complete can be sped up to just seconds with a simple message from bots. Companies in finanical services, healthcare, utilities, and beyond are using the Posh platform to re-create call centers and automate routine requests for both customers and staff while saving time and money. The company wants to make the internet experience easier and more enjoyable. Posh was launched on 2015 and is based in Boston, Massachusetts.

Semantic Evolution, based in London with an office in New York, specializes in artificial intelligence and Intelligent Data Extraction. The company addresses the challenges businesses face in managing unstructured data, which constitutes approximately 80% of all information and is often difficult to access. By utilizing proprietary machine learning, advanced semantics, and natural language processing, Semantic Evolution's technology automates the extraction of critical data from unstructured documents, transforming it into actionable information. This approach allows clients, particularly in the finance industry, to visualize, normalize, and validate data efficiently. As a result, companies that implement Semantic Evolution's solutions benefit from enhanced operational efficiencies, improved data quality, and reduced processing times, ultimately achieving rapid returns on investment while freeing up resources and cutting costs.

LendingFront, Inc. is a technology company based in New York that provides a cloud-based lending platform tailored for banks and financial institutions. The platform offers a comprehensive suite of integrated or standalone modules that address all phases of the lending process, including application management, underwriting, decisioning, and loan servicing. LendingFront's solution allows clients to automate various aspects of lending while maintaining control and oversight as needed. Catering to a diverse clientele, from emerging online credit providers to established financial institutions, the company’s founding team includes experts from notable organizations in the small business lending sector. Through its innovative technology, LendingFront aims to streamline operations and enhance risk management for its clients.

Benekiva is a technology company focused on the life insurance industry, offering a cloud-based platform that enhances beneficiary management and streamlines the claims process. Its blockchain-backed solution enables insurance companies to automate documentation and payment processing, ensuring a secure and efficient experience for beneficiaries. The platform allows for the proactive updating of policyholder information and effective management of beneficiary data, while also facilitating compliance with unclaimed property and escheatment laws. Additionally, Benekiva's system supports a fully digital claims process and provides valuable data analytics that can transform claims operations into a revenue-generating engine. By prioritizing the needs of beneficiaries, Benekiva aims to become the preferred platform for insurance companies seeking to improve customer experience and operational efficiency.

Summer combines innovative technology and policy expertise to serve student loan borrowers. The company's platform provides resources including a personalized loan payment dashboard, payment notifications, student loan policy updates, and customized repayment plans, enabling student borrowers to take control of their loans and save money while repaying. Summer was established in 2017 in New York by Will Sealy.

CogniCor Technologies S.L. is a Barcelona-based company founded in 2012 that specializes in automated complaint resolution services and artificial intelligence solutions. Its offerings include iComplaint, which integrates with websites to address customer complaints; iResolve, which directly resolves these complaints; iMediate, designed to settle claims and retain clients through counter offers; and iReport, aimed at identifying and addressing the root causes of complaints to prevent future issues. Additionally, CogniCor develops advanced AI platforms and digital assistants to improve operational efficiency and customer service for wealth management firms, insurance companies, and financial advisors.

Abaka Holdings Ltd., established in 2016 and headquartered in London, operates an AI-powered digital savings and retirement platform. It partners with financial institutions to provide scalable, affordable advice on pensions, savings, and investments to retail customers. Abaka's platform offers conversational AI, personalized behavioral nudges, data aggregation, and financial planning tools, benefiting over 9 million users worldwide through its enterprise clients, which include tier-one banks, pension providers, and asset managers across multiple countries.

Fligoo is a company that specializes in developing a personalized recommendation platform tailored for the financial industry. Their platform employs artificial intelligence to deliver content that resonates with users' interests, including trending videos, news articles, blogs, and other media, all curated based on social media activity. In addition to its recommendation services, Fligoo offers AI products such as Fligoo Sharp AI and Fligoo DATAMOVEX AI, which are designed to solve complex challenges for clients and enhance their operational value. The company emphasizes data security by ensuring that client data remains within their controlled environment, facilitating seamless integration of AI solutions with existing systems.

Facturedo operates as an invoice discounting marketplace in Latin America, facilitating access to liquidity for small and medium-sized enterprises (SMEs) through their accounts receivable. By offering a streamlined platform, Facturedo enables businesses to convert their invoices into immediate cash, thereby improving their financial flexibility. The service is designed to be fast, secure, and user-friendly, catering to the needs of SMEs seeking to enhance their cash flow. Additionally, Facturedo provides opportunities for investors to engage in commercial debt investments, thereby creating a mutually beneficial ecosystem for both businesses needing liquidity and investors looking for viable investment options.

PXL Vision AG, founded in 2017 and headquartered in Zurich, Switzerland, specializes in the design and development of identity verification and customer onboarding software solutions. Its flagship product, Daego, employs advanced computer vision and machine learning technologies to create trusted digital identities. This cross-platform solution is tailored to meet the needs of various industries, including insurance, fintech, and healthcare, by automating the verification of identity documents and performing facial biometric checks to ensure that users are legitimate and the rightful owners of their documents. By facilitating secure and efficient customer onboarding, PXL Vision aims to enhance conversion rates, reduce costs associated with compliance, and mitigate identity fraud. With research and development centers in Novi Sad, Serbia, and Yerevan, Armenia, PXL Vision is dedicated to establishing a foundation of trust in digital interactions through unbiased and verifiable identities.

Enterprise Bot GmbH is a company that specializes in developing artificial intelligence-driven chatbots aimed at automating customer interactions for enterprises. Founded in 2017 and headquartered in Zug, Switzerland, with an additional office in Bengaluru, India, the company offers a range of products, including chatbots for sales and customer service, email triage bots, and scheduling assistants. Its solutions are particularly beneficial for financial institutions and insurance companies, providing a multi-platform messenger that addresses various customer needs and queries. By implementing these chatbots, enterprises can significantly reduce operational costs and customer wait times, enhancing the overall customer experience.

Posh is a conversational AI and NLP technology development company that enables developers to deliver a new way to interact with users. With Posh, website actions that takes minutes to complete can be sped up to just seconds with a simple message from bots. Companies in finanical services, healthcare, utilities, and beyond are using the Posh platform to re-create call centers and automate routine requests for both customers and staff while saving time and money. The company wants to make the internet experience easier and more enjoyable. Posh was launched on 2015 and is based in Boston, Massachusetts.

Baubap is a financial technology company that specializes in microlending, providing a platform for personal loans. Founded in 2018 by Luis Villarreal, Roberto Salcedo, and Conrad Wilkinson Schwarz, the company is based in Mexico. Baubap's mobile application allows customers to access instant loans without the need for documentation or complex procedures, enabling users to apply for loans conveniently at any time and from any location. This streamlined approach simplifies the borrowing process, making financial assistance more accessible to individuals.

Easy Mortgage Apps offers a mortgage management application that aims to simplify the home-buying process for all parties involved. The application facilitates effective communication and data sharing between loan officers, borrowers, realtors, and title agents, enhancing productivity for banks and lending institutions. By combining a robust platform with a mobile app tailored specifically for the mortgage industry, Easy Mortgage Apps provides users with the tools needed to efficiently manage their loan applications. This approach not only streamlines interactions but also aligns with modern customer relationship management practices, positioning Easy Mortgage Apps as a forward-thinking solution in the lending environment.

BCRemit, headquartered in London, is a fintech company specializing in global money transfers. It facilitates online transfers via web, app, and call center, focusing on providing competitive fees and favorable exchange rates to migrant workers worldwide.

PlusAdvance is a dynamic discounting fintech. They provide products that include digital, innovation, SaaS, fintech, finance, and technology. An online inquiry form is available on the company's website.

GleTech provides a secure mobile platform enabling real-time transactions, logistics, warehousing, and financial support for farmers, procurement managers, and distributors.

RECLAIM is a financial wellness app that relieves patients from financial stress so that they can focus on their wellbeing. It helps healthcare users understand their care pathway and what to expect ahead, save on their cost of care, and optimize their insurance selection to best mitigate their financial risk. It was founded in 2015 and is headquartered in Cambridge, Massachusetts.

Systemcredit operates a digital platform that facilitates the connection between small and medium-sized enterprises and various lenders, offering a range of credit options. The platform is designed to streamline the process of obtaining suitable loans by matching quality borrowers with lenders and risk underwriters. It collects relevant data to help assess creditworthiness and minimize risks, thereby providing businesses with access to financial solutions and protection against credit default losses. Systemcredit serves clients across multiple OECD countries, contributing to improved liquidity for lenders and insurers.

HyperTrader is a developer of a trading terminal that caters to both crypto and equities traders. The platform is designed to streamline trading workflows by providing an all-in-one tool for market analysis, trade execution, and portfolio tracking across multiple cryptocurrency exchanges. HyperTrader aims to enhance trading efficiency by granting users access to advanced trading technologies that were previously available only to institutional investors. Through its services, the company enables traders to organize their portfolios, discover investment opportunities, and execute trades more quickly and effectively.

FanFund makes culture accessible to communities everywhere by de-risking live shows for artists and venues. It integrates fan engagement, crowdfunding technologies with advanced data analysis to provide artists and venues with vertical and geographic-specific predictive models for de-risking live performances. The company was founded in 2017 and is headquartered in Tel Aviv, Israel.

MoneyCompass is a financial services company that provides a mobile-based application platform for automatic personal debt optimization. It helps students and graduates to save money on their student loans, credit cards, and other financial products. The company was founded in 2018 and headquartered in New York, United States.

SizeUp is a fintech internet service company that specializes in providing business intelligence and market research tailored to small businesses. By leveraging big data, SizeUp enables companies to make informed decisions through its comprehensive analytics platform, which includes features such as competitive benchmarks, customer and supplier identification, and optimal advertising locations. The service is often licensed by enterprises and organizations, including banks, as a value-added resource to support their business customers. SizeUp delivers critical demographic, industry, geographic, and cost-of-business data, equipping small businesses with the tools necessary to enhance profitability and outperform competitors. Through its powerful analytic search capabilities, SizeUp aims to empower organizations across the private sector, government, and non-profits in effectively serving small business clients.

Digital Onboarding Inc. develops a software-as-a-service (SaaS) platform aimed at simplifying the new account activation process for banks and credit unions. Founded in 2015 and based in Boston, Massachusetts, the company offers an automated onboarding solution that enhances customer engagement by providing tools for seamless communication across multiple channels. Its platform facilitates the adoption of account-related services such as direct deposit and online bill pay by sending personalized email and SMS reminders that guide users through their financial journey. This approach not only improves activation rates but also helps financial institutions foster stronger, more profitable relationships with their customers and members. Digital Onboarding was previously known as Salesbrief Inc. before its rebranding in 2017.

Elsen Inc. is a financial technology company based in Boston, Massachusetts, founded in 2013. It specializes in providing a cloud-based high-performance computing platform designed for financial applications. The company's platform-as-a-service solution enables large financial institutions to efficiently manage, access, and utilize vast quantities of data. By leveraging an accelerated computing engine and graphical processing unit-based algorithms, Elsen helps businesses optimize their data, resources, and vendor relationships. This allows financial firms to make informed decisions more quickly and achieve improved insights and return on investment.

ForwardLane Inc. is an artificial intelligence company based in New York, with additional locations in London and Fort Lauderdale. Founded in 2014, it specializes in providing AI-powered solutions tailored for wealth management, asset management, and commercial banking. The company develops a unique platform that utilizes natural language processing to synthesize data and generate insights for financial advisors and fund distributors, enhancing their productivity and client engagement. Key offerings include the A1 signal engine, which automates the extraction of actionable insights, and the ForwardLane Goal Miner, designed to identify financial goals from unstructured data sources. The platform integrates seamlessly into existing workflows, such as those in CRM systems, facilitating proactive client interactions and driving organic growth by identifying opportunities for client retention and engagement. Through its innovative approach, ForwardLane empowers financial institutions to convert complex data into meaningful intelligence quickly and efficiently.

Fincura, Inc. is a Boston-based company that develops an AI-enabled cloud software platform aimed at transforming financial data management for finance companies. Founded in 2017, Fincura focuses on unlocking valuable insights from unstructured financial statements and spreadsheets, allowing institutions to differentiate themselves and enhance operational efficiency. The platform combines artificial intelligence with human expertise to extract detailed data from various documents, ensuring that teams have access to a unified and transparent dataset. Fincura's secure, cloud-based architecture facilitates easy integration with other systems and supports rapid onboarding for new customers. Through features such as automated financial analysis, individualized covenant monitoring, and compliance tracking, Fincura empowers financial institutions to make informed decisions throughout their lending processes.

WalletFi is a subscription management solution tailored for financial institutions and fintech companies. It offers a white-label application that helps users manage their recurring charges effectively. By utilizing machine learning technology, WalletFi identifies subscriptions, recurring payments, and Card-on-File merchants, providing personalized insights to enhance user experience. This application equips financial institutions with detailed analytics that aim to improve customer engagement and financial wellness, ultimately delivering a measurable return on investment.

Traive Inc. operates an online lending platform tailored to the agricultural sector, facilitating loans to farmers by connecting them with lenders. Incorporated in 2018 and based in Saint Paul, Minnesota, with additional offices in São Paulo, Minneapolis, and Boston, Traive leverages advanced machine learning techniques to assess credit risk dynamically. The platform goes beyond traditional credit scores, incorporating factors such as agronomic performance and market risks to deliver comprehensive credit evaluations. This innovative approach enables farmers to access fair and affordable funding while providing lenders with valuable insights into borrower behavior and a diversified portfolio of credit-worthy individuals. By utilizing big data and AI, Traive aims to streamline the lending process, reducing bureaucracy for producers and enhancing protection for lenders.

Tuverl is an application focused on enhancing public transportation accessibility and affordability for commuters in Africa, beginning with Zimbabwe. It provides two mobile applications: the Commuter App, which allows users to track intracity buses and minibuses in real-time, book intercity trips, hail taxis on demand, and make payments through local fintech solutions, and the Operator App, designed for public transport operators. The Operator App enables drivers and operators to broadcast vehicle locations, manage fleets, and process digital fares, ultimately increasing commuter numbers and reducing wasted resources. By leveraging cloud computing, data analytics, geolocation, fintech, and machine learning, Tuverl aims to transform public transport while promoting Sustainable Development Goal 11, which focuses on sustainable cities and communities. Through its innovative approach, Tuverl seeks to improve urban mobility and support the development of smart, resilient communities across African nations.

Relativity6, Inc. is a Cambridge, Massachusetts-based company that develops a machine learning and AI platform designed to help carriers and brokers re-engage lapsed customers. Founded in 2016, the company utilizes predictive statistical models and machine learning algorithms to analyze customer transaction history, behavioral patterns, demographic information, and digital footprints. This analysis allows clients to identify which customers are likely to return, estimate the potential value of these customers, and conduct real-time field experiments to enhance marketing strategies. Additionally, Relativity6's platform aids financial organizations in increasing customer engagement and profitability by uncovering hidden patterns in data and predicting future purchasing behaviors.

Fintecture is a pioneering B2B payment platform that facilitates seamless payment collection for approximately 7,000 businesses, serving around 230,000 payers. The company offers a scalable payment interface gateway that connects businesses to banks, enabling open banking through a user-friendly programming interface. This technology simplifies the technical and regulatory complexities associated with payment processing, allowing merchants to initiate transactions and access customer account data directly. By focusing on first-principles design for B2B transactions, Fintecture helps businesses save time and costs while enhancing sales through easier bank transfer payments. As a licensed payment institution, Fintecture is committed to providing innovative solutions that streamline the payment process for its clients.

Finnest, Inc. is a Boston-based company founded in 2016 that develops application software aimed at teaching children and teenagers essential financial skills through gamification. The mobile app and secured debit card account provide tools and activities designed to instill good money habits, covering topics such as financial education, personal finance, savings, and responsible spending. By facilitating easier transfers between parents and their children, Finnest encourages young users to save and grow their money while fostering an understanding of money management and investment. The platform represents an innovative approach to financial literacy for the younger generation.

FONDIFY is a crowdfunding company focused on supporting entrepreneurial and social projects in Latin America. It provides a platform for entrepreneurs, artists, and philanthropists to connect with supporters who are passionate about their visions. By addressing the challenges of limited access to traditional funding sources like banks and government entities, FONDIFY enables creative startups and artists to raise the necessary funds for their initiatives. The company aims to inspire and foster a vibrant culture in the region by empowering individuals to pursue their dreams, ultimately contributing to the development of a prosperous society.

Lefort specializes in developing a virtual robotic platform that automates financial transaction processes. This platform is designed to validate, register, analyze, and execute transactions in real time, creating a fully digital workflow. By streamlining the order to cash and purchase to pay processes, Lefort offers businesses a cost-effective and efficient solution for managing payments. The company focuses on enhancing operational efficiency for its customers and corporate clients through automation, thereby saving time and reducing the complexity of financial transactions.

Denim is a freight payment system specifically designed for freight brokers, focusing on the management of working capital, carrier payments, and back-office processes. The platform offers a suite of services, including factoring, automated invoicing, collections, and payments, aimed at simplifying operations for small freight brokers. By enhancing access to critical working capital, Denim enables these brokers to thrive in a competitive market, allowing them to concentrate on their core business activities while streamlining their financial processes.

Token Labs building technology that enables two people, anywhere in the world, to send money to each other instantly and at very low costs. Utilizing digital currency, they are able to provide users with a platform to send cheaper cross-border remittances than any option currently available, and due to the way their software is designed, they're able to do so with much less regulatory overhead than traditional remittance / peer to peer payment services.

Relativity6, Inc. is a Cambridge, Massachusetts-based company that develops a machine learning and AI platform designed to help carriers and brokers re-engage lapsed customers. Founded in 2016, the company utilizes predictive statistical models and machine learning algorithms to analyze customer transaction history, behavioral patterns, demographic information, and digital footprints. This analysis allows clients to identify which customers are likely to return, estimate the potential value of these customers, and conduct real-time field experiments to enhance marketing strategies. Additionally, Relativity6's platform aids financial organizations in increasing customer engagement and profitability by uncovering hidden patterns in data and predicting future purchasing behaviors.

Tornado operates a social investment discussion platform aimed at enhancing the skills and profitability of investors. The platform facilitates discussions among users and experts, allowing participants to share and learn investment ideas. By providing tools for portfolio allocation, Tornado enables users to make informed investment decisions tailored to their specific objectives. This approach transforms the investing experience into a more engaging and sophisticated process compared to traditional online brokerages. Tornado's focus on community-driven investment strategies aims to empower investors of all skill levels to improve their profitability and portfolio intelligence.

AirDAO is a Swiss-based startup focused on revolutionizing global supply chains via blockchain technology. It operates Ambrosus, an open-source platform designed for decentralized finance (DeFi). AirDAO enables secure, autonomous supply chain management through reliable product history recording and transparent commercial transactions. The platform aims to enhance distribution processes and empower consumers with product origin and composition information. Users can earn token rewards by operating Ambrosus Network validator nodes and accessing innovative dApps via a unified dashboard.

Big Couch was co-founded by Maria Tanjala and Irina Albita in 2014, they have established a reputation as a fintech startup in the film industry, working on an innovative co-finance model which has been helping film producers fund their films in the UK, Europe and NY since 2015. In 2017 Big Couch partnered with leading computer scientists at Imperial College London to develop a new, decentralised and transparent product for revenue allocation and distribution. This product is called FilmChain. FilmChain is being built on the Ethereum platform and will provide real-time information, lower friction and increase revenues for the films stakeholders. The prototype will be running film projects by August 2018.

Protagoras is a digital solution for financial advisors. It offers unique risk profiling and country-specific tax functionality, addressing each investor’s specific situation and preferences. Their interactive, data-driven, algorithmic approach radically improves the understanding of client investment preferences and automates compliance with upcoming regulations. Protagoras solves massive risk, tax, and compliance issues for financial advisors by providing the most precise investor profiling platform.

Paygilant Ltd. is a developer of mobile fraud prevention solutions, focusing on online transactions, payments, and money transfer fraud. Founded in 2014 and based in Ramat Gan, Israel, the company addresses the rising challenge of mobile fraud as the adoption of mobile payments increases. Paygilant offers a comprehensive suite of services, including account takeover prevention, new account fraud solutions, and transactional fraud protection. Its patented technology integrates six proprietary intelligence sets to ensure a frictionless user experience while maintaining security and user privacy. The company’s solutions provide end-to-end protection, from app download to ongoing transactions, effectively safeguarding legitimate customers against fraudulent activities in the evolving digital payment landscape.

UnDosTres is transforming the consumer payments landscape in Mexico with its innovative online payment platform that provides secure and reliable payment alternatives. The platform enables users to make payments for a wide range of services, including mobile and DTH recharges, electricity and water bills, movie tickets, and other utility expenses. By allowing payments through credit and debit cards, bank transfers, and digital wallets, UnDosTres streamlines online transactions, making it easier for Mexicans to manage their financial obligations. As one of the fastest-growing startups in the country, UnDosTres has garnered recognition as the Best Fintech Startup in Emerging Markets, underscoring its significant impact on the payments sector.

Bitso is a cryptocurrency exchange platform founded in 2014 and headquartered in Mexico City, Mexico. The company specializes in facilitating the buying and selling of bitcoin and other cryptocurrencies, providing users with a marketplace where they can trade fractions of various digital assets. Bitso's platform is designed for ease of use, allowing customers to conduct transactions and make payments via mobile devices. By focusing on the fintech and blockchain sectors, Bitso aims to enhance accessibility to cryptocurrency trading for users in Mexico and beyond.

MR Presta is a financial technology company focused on small business lending in emerging markets. It has developed an end-to-end lending platform that facilitates funding for small enterprises, utilizing in-house technology to streamline the lending process. The company partners with various platforms that lack the resources or expertise to establish their own lending operations. By leveraging both public and private APIs, MR Presta gathers necessary data to support underwriting and financing decisions. This enables small businesses to effectively analyze and assess their performance, ultimately promoting growth and access to capital in underserved regions.