Toscafund Asset Management

CellPoint Digital is a fintech company that specializes in providing digital commerce and payment solutions. Its primary offering is an omnichannel payment orchestration platform tailored for the airline, gaming, and travel industries. The platform streamlines digital payment transactions, accommodating both traditional card payments and alternative payment methods. By enhancing the deployment of new payment options, it creates a unified customer payment experience across various channels, including websites and mobile applications. This optimization not only improves transaction routing but also increases conversion rates and minimizes payment costs, all while ensuring a seamless experience for customers.

VoxSmart Limited is a telecommunications software provider based in London, specializing in solutions for financial services companies both in the United Kingdom and internationally. Founded in 2006, the company offers VSMART, a comprehensive software solution designed to capture, record, store, transcribe, and analyze employee communications, including mobile calls, messages, and voicemails across various devices and networks. VoxSmart's technology enables firms to manage business risk and comply with regulatory requirements by transforming captured data into actionable insights regarding employee conduct and operational efficiency. With a team of experts in finance, regulation, and business analytics, VoxSmart aims to enhance clients' decision-making processes and improve their overall business operations. The company has also formed a strategic alliance with Eventus Systems, Inc. to further strengthen its offerings.

Atom Bank plc is a digital-only bank based in Durham, United Kingdom, with an additional office in London. Founded in 2013, the bank offers a range of personal and business banking products, including fixed deposits, accounts, mortgages, business loans, and secured loans. The mobile banking application, launched in March 2014, allows users to access services via smartphones and tablets, utilizing features such as face and voice recognition for secure logins. Atom Bank is committed to providing a straightforward and hassle-free banking experience, supported by a 24/7 customer service team to assist users with their needs.

VoxSmart Limited is a telecommunications software provider based in London, specializing in solutions for financial services companies both in the United Kingdom and internationally. Founded in 2006, the company offers VSMART, a comprehensive software solution designed to capture, record, store, transcribe, and analyze employee communications, including mobile calls, messages, and voicemails across various devices and networks. VoxSmart's technology enables firms to manage business risk and comply with regulatory requirements by transforming captured data into actionable insights regarding employee conduct and operational efficiency. With a team of experts in finance, regulation, and business analytics, VoxSmart aims to enhance clients' decision-making processes and improve their overall business operations. The company has also formed a strategic alliance with Eventus Systems, Inc. to further strengthen its offerings.

Atom Bank plc is a digital-only bank based in Durham, United Kingdom, with an additional office in London. Founded in 2013, the bank offers a range of personal and business banking products, including fixed deposits, accounts, mortgages, business loans, and secured loans. The mobile banking application, launched in March 2014, allows users to access services via smartphones and tablets, utilizing features such as face and voice recognition for secure logins. Atom Bank is committed to providing a straightforward and hassle-free banking experience, supported by a 24/7 customer service team to assist users with their needs.

Instanda is a London-based company that offers a no-code core insurance platform designed for insurance providers to create, configure, and launch products online. Founded in 2012, Instanda's platform simplifies the complex insurance value chain by providing a digital policy administration system (PAS) that empowers business users to innovate, manage, and distribute insurance products without requiring technical expertise. This fully hosted and managed solution enables insurance businesses to enhance their online sales and premium growth by equipping them with the necessary tools to effectively set up and market their insurance offerings.

Atom Bank plc is a digital-only bank based in Durham, United Kingdom, with an additional office in London. Founded in 2013, the bank offers a range of personal and business banking products, including fixed deposits, accounts, mortgages, business loans, and secured loans. The mobile banking application, launched in March 2014, allows users to access services via smartphones and tablets, utilizing features such as face and voice recognition for secure logins. Atom Bank is committed to providing a straightforward and hassle-free banking experience, supported by a 24/7 customer service team to assist users with their needs.

CellPoint Digital is a fintech company that specializes in providing digital commerce and payment solutions. Its primary offering is an omnichannel payment orchestration platform tailored for the airline, gaming, and travel industries. The platform streamlines digital payment transactions, accommodating both traditional card payments and alternative payment methods. By enhancing the deployment of new payment options, it creates a unified customer payment experience across various channels, including websites and mobile applications. This optimization not only improves transaction routing but also increases conversion rates and minimizes payment costs, all while ensuring a seamless experience for customers.

Sammaan Capital is a mortgage-focused non-banking financial company based in India, founded in 2000. The company specializes in providing a range of financial services, including home loans, loans for non-resident Indians, and loans against properties, all offered at competitive interest rates. Catering to both salaried and self-employed individuals, Sammaan Capital aims to facilitate quick access to funding for various purposes such as construction, renovation, and the purchase of residential properties, including apartments, flats, and bungalows. Additionally, the company extends its lending services to cooperative societies, associations, companies, builders, developers, and contractors, ensuring a diverse clientele while conducting all operations within India.

Strike is an online real estate platform that aims to transform the home-moving experience by offering a streamlined and cost-effective approach to property transactions. The company provides free property valuations and a fixed-fee structure, allowing sellers to list their homes on multiple websites. With the support of dedicated property experts, Strike simplifies the selling process by equipping users with tools to edit their listings and analyze traffic data. This innovative model is designed to eliminate high fees and unnecessary jargon associated with traditional estate agency services, making it easier and more affordable for individuals to buy and sell real estate. Founded in 2011 and headquartered in Sudbury, United Kingdom, Strike seeks to redefine the role of estate agents in the property market.

Atom Bank plc is a digital-only bank based in Durham, United Kingdom, with an additional office in London. Founded in 2013, the bank offers a range of personal and business banking products, including fixed deposits, accounts, mortgages, business loans, and secured loans. The mobile banking application, launched in March 2014, allows users to access services via smartphones and tablets, utilizing features such as face and voice recognition for secure logins. Atom Bank is committed to providing a straightforward and hassle-free banking experience, supported by a 24/7 customer service team to assist users with their needs.

VoxSmart Limited is a telecommunications software provider based in London, specializing in solutions for financial services companies both in the United Kingdom and internationally. Founded in 2006, the company offers VSMART, a comprehensive software solution designed to capture, record, store, transcribe, and analyze employee communications, including mobile calls, messages, and voicemails across various devices and networks. VoxSmart's technology enables firms to manage business risk and comply with regulatory requirements by transforming captured data into actionable insights regarding employee conduct and operational efficiency. With a team of experts in finance, regulation, and business analytics, VoxSmart aims to enhance clients' decision-making processes and improve their overall business operations. The company has also formed a strategic alliance with Eventus Systems, Inc. to further strengthen its offerings.

Elinvar GmbH is a Berlin-based company that specializes in developing an integrated wealth technology platform tailored for independent discretionary portfolio managers and private banks. Founded in 2016, Elinvar provides a B2B2C solution that facilitates the digital transformation of asset and wealth managers by offering a comprehensive Platform as a Service. This platform includes essential applications for client relationship management, online onboarding, portfolio management, and reporting, among other services. By employing a micro-services architecture, Elinvar ensures flexibility in adapting to technological advancements and regulatory changes. The company also holds all necessary licenses from BaFin, allowing its partners to leverage leading technology within a compliant framework. This holistic approach enables partners to streamline their operations and deliver customized digital offerings that enhance client engagement and satisfaction.

TalkTalk is a leading telecommunications provider in the United Kingdom, offering affordable and reliable services to both consumers and businesses. Founded in 2003 as a subsidiary of Carphone Warehouse, the company is headquartered in London. TalkTalk specializes in fixed and mobile telephony, broadband services, and internet access, aiming to deliver simple and fair solutions for its customers. The company is recognized for its commitment to providing value for money in the competitive telecom market.

Lemonway is a pan-European payment institution that specializes in providing payment processing, wallet management, and third-party payment solutions for B2B, B2C, C2C marketplaces, and alternative finance platforms. Headquartered in Paris and with an office in Hamburg, the company is authorized and regulated by the ACPR, allowing it to operate across 28 European countries through the "EU financial passport." Lemonway offers a secure payment platform that facilitates real-time cost accounting and transaction export, as well as services such as escrow account management and advanced anti-fraud measures. Trusted by 400 platforms, including 200 in the alternative finance sector, the company has successfully opened 12 million e-wallets for its clients and has raised €50 million from notable investment funds.

Atom Bank plc is a digital-only bank based in Durham, United Kingdom, with an additional office in London. Founded in 2013, the bank offers a range of personal and business banking products, including fixed deposits, accounts, mortgages, business loans, and secured loans. The mobile banking application, launched in March 2014, allows users to access services via smartphones and tablets, utilizing features such as face and voice recognition for secure logins. Atom Bank is committed to providing a straightforward and hassle-free banking experience, supported by a 24/7 customer service team to assist users with their needs.

Laundrapp is a leading online laundry and dry cleaning service based in the UK, primarily operating in London and extending to around 100 towns and cities. The company provides an on-demand platform that allows users to request laundry services conveniently through a mobile app or its website. By offering a quick pick-up service from customers' homes, Laundrapp eliminates the need for traditional laundrettes and dry cleaners, ensuring a hassle-free experience. Their commitment to quality cleaning has earned them a strong reputation, complemented by their free app available on both iOS and Android devices.

CellPoint Mobile, Inc. specializes in providing mobile payment solutions and integrated mobile services tailored for industries such as finance, government, professional services, retail, transportation, and media. The company’s offerings include the Mobile Enterprise Framework, which supports the development and operation of mobile services, and mPoint, a mobile payment platform designed for various payment scenarios. Additionally, CellPoint Mobile provides mRetail, a suite of applications aimed at enhancing customer engagement during shopping experiences. Their Velocity solution serves as a mobile payment service provider for airlines, while the Travel Bank mWallet enables airlines to transform compensation events into revenue opportunities. The mTicket product meets enterprise needs for mobilizing tickets and boarding passes. Furthermore, the Converged Payment Gateway is a Software as a Service solution targeted at the global airline industry. Founded in 2002 and headquartered in Coral Gables, Florida, CellPoint Mobile operates additional offices in New York, Miami, Copenhagen, and London, focusing on helping transportation and hospitality sectors thrive in the mobile economy.

LIQID Investments GmbH, founded in 2015 and based in Berlin, Germany, operates a digital wealth management platform that offers tailored investment portfolios and strategies. The company specializes in providing access to various asset classes, including private equity, real estate, and venture capital funds. By integrating investment expertise with technology, LIQID Investments delivers customized solutions that cater to the specific cost and investment needs of its clients, thus facilitating a more accessible and personalized wealth management experience.

Atom Bank plc is a digital-only bank based in Durham, United Kingdom, with an additional office in London. Founded in 2013, the bank offers a range of personal and business banking products, including fixed deposits, accounts, mortgages, business loans, and secured loans. The mobile banking application, launched in March 2014, allows users to access services via smartphones and tablets, utilizing features such as face and voice recognition for secure logins. Atom Bank is committed to providing a straightforward and hassle-free banking experience, supported by a 24/7 customer service team to assist users with their needs.

Strike is an online real estate platform that aims to transform the home-moving experience by offering a streamlined and cost-effective approach to property transactions. The company provides free property valuations and a fixed-fee structure, allowing sellers to list their homes on multiple websites. With the support of dedicated property experts, Strike simplifies the selling process by equipping users with tools to edit their listings and analyze traffic data. This innovative model is designed to eliminate high fees and unnecessary jargon associated with traditional estate agency services, making it easier and more affordable for individuals to buy and sell real estate. Founded in 2011 and headquartered in Sudbury, United Kingdom, Strike seeks to redefine the role of estate agents in the property market.

OakNorth Bank plc is a digital-only commercial bank based in London, United Kingdom, founded in 2015. It specializes in providing tailored financial products and services to small and medium-sized enterprises (SMEs) that are often underserved by traditional banks. OakNorth's offerings include personal and business savings accounts, fixed-term deposits, notice accounts, fixed-rate cash ISAs, and a variety of property finance solutions. The bank focuses on bespoke debt financing to support growth businesses, including property developers, care homes, and hospitality ventures, without requiring them to relinquish equity. Utilizing a data-driven approach, OakNorth analyzes future potential rather than solely relying on historical data to assess creditworthiness. This innovative methodology has enabled the bank to lend over £10 billion, contributing significantly to job creation and affordable housing in the UK. OakNorth's commitment to being a long-term partner to its clients, especially during economic challenges like Brexit and COVID-19, has fostered a strong referral network, with a substantial portion of its new business coming from satisfied customers.

Atom Bank plc is a digital-only bank based in Durham, United Kingdom, with an additional office in London. Founded in 2013, the bank offers a range of personal and business banking products, including fixed deposits, accounts, mortgages, business loans, and secured loans. The mobile banking application, launched in March 2014, allows users to access services via smartphones and tablets, utilizing features such as face and voice recognition for secure logins. Atom Bank is committed to providing a straightforward and hassle-free banking experience, supported by a 24/7 customer service team to assist users with their needs.

Atom Bank plc is a digital-only bank based in Durham, United Kingdom, with an additional office in London. Founded in 2013, the bank offers a range of personal and business banking products, including fixed deposits, accounts, mortgages, business loans, and secured loans. The mobile banking application, launched in March 2014, allows users to access services via smartphones and tablets, utilizing features such as face and voice recognition for secure logins. Atom Bank is committed to providing a straightforward and hassle-free banking experience, supported by a 24/7 customer service team to assist users with their needs.

Akazoo S.A. is an on-demand music and audio streaming company that offers subscribers unlimited access to a catalog of approximately 45 million songs without advertisements. Founded in 2010 and based in Luxembourg, the company utilizes patented artificial intelligence technology to enhance music recommendations for its users. Akazoo provides both online and offline listening options through its mobile application, which is designed to function across various emerging mobile devices and networks, including 2G to 4G LTE. The service also includes a free, ad-supported radio feature with around 80,000 stations, operating separately from its subscription model. Akazoo focuses on serving emerging markets and has expanded its services across more than 25 countries.

Aldermore Bank is a UK-based commercial bank established in 2009, specializing in providing straightforward financial products and services primarily to small and medium-sized enterprises (SMEs), homeowners, landlords, and individual clients. The bank focuses on four main lending areas: asset finance, invoice finance, SME commercial mortgages, and residential mortgages. It serves a diverse range of sectors, including automotive, logistics, media, construction, and manufacturing, among others. By offering tailored financial solutions, Aldermore Bank aims to meet the specific needs of its clients, thereby facilitating their growth and financial stability.

Spinvox is a voice-to-text service that began operating in 2005, pioneering the conversion of voicemails into text messages for both landline and mobile users. The company offers a subscription service that sends transcribed voicemails directly to users' mobile phones or email inboxes. To enhance its offerings and compete in the market, Spinvox has introduced additional features, including the ability to create blog posts via voice, send self-reminders through transcribed memos, and update social networks or send group messages by speaking. Spinvox's technology supports multiple languages, including English, French, Spanish, German, Portuguese, and Italian, making it a versatile option for a diverse user base.