Curql Collective

Developer of a credit risk management platform intended to assist in making financing and lending decisions. The company's platform manages member and loan portfolio risk by leveraging valuable credit union market, business performance data and transforming it into cloud-based applications by applying business rules automation, artificial intelligence, machine learning and natural language processing, enabling clients to enhance business performance and get consultative services.

Equipifi specializes in developing financial software aimed at streamlining the payments ecosystem. Its technology platform provides banks and credit unions with buy now, pay later solutions, enhancing the consumer experience by reducing friction in transactions. The software includes features such as automatic push notifications, SMS, and email alerts, as well as integration with online and mobile banking systems. This ensures a straightforward user experience and offers dashboard access for real-time performance and usage insights. Ultimately, Equipifi's solutions empower consumers to easily access and benefit from buy now, pay later options.

MotoRefi, Inc. operates an automotive refinance platform designed to help customers save on their car loans. By partnering with various local and community lenders, the company offers competitive loan rates and aims to reduce monthly payments, with customers typically saving an average of $100 each month. MotoRefi's secure digital platform allows users to assess potential savings and complete the refinancing process easily from home. The company handles all aspects of the transaction, including paying off the previous lender and retitling the vehicle, eliminating the need for customers to visit the DMV. Founded in 2016, MotoRefi is headquartered in Arlington, Virginia.

Facteus is a provider of actionable insights from financial data. Through its innovative, patent-pending synthetic data process, Facteus safely transforms raw financial transaction data from legacy technologies into actionable information, which can be used for machine learning, artificial intelligence, data monetization and other strategic use cases, without compromising data privacy. The company’s data products have been gathered directly from over 1,000 financial institutions, payment companies, fintechs, and debit card programs, giving business and investment executives access to the “truth” of actual consumer financial transactions, not just general trends.

PatientFi, LLC operates a digital platform designed to provide financing options for patients seeking aesthetic medical procedures. Founded in 2017 and based in Irvine, California, the company allows patients to apply online for credit, facilitating their access to a range of elective healthcare services including breast augmentation, mommy makeovers, and surgical facial rejuvenation. By partnering with medical practices across various specialties such as plastic surgery, dermatology, and dentistry, PatientFi aims to offer personalized financing plans that help patients manage the costs of their chosen treatments. The platform serves as a valuable resource for both patients and healthcare providers, ensuring better access to health, beauty, and wellness services.

LoanStreet Inc. operates an integrated, online platform that streamlines the process of sharing, managing, and originating loans for credit unions, banks, and direct lenders. It offers LoanStreet that provides access to a nationwide network of lenders and investors, track the performance of their loan portfolio, and more grow and diversify their balance sheet. The company’s LoanStreet provides real-time reporting, standardized agreements, balance sheet management, and automated reporting. The company was founded in 2013 and is based in New York, New York.

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.

DefenseStorm, Inc. is a cybersecurity company that specializes in providing a cloud-based management platform tailored for financial institutions. Established in 2014 and headquartered in Alpharetta, Georgia, the company offers a comprehensive suite of solutions that includes management oversight, reporting, smart threat response, and community intelligence. By integrating real-time threat detection and compliance, DefenseStorm enables banks to effectively manage cybersecurity and adhere to regulatory requirements. The platform leverages big data analytics to unify detection, investigation, and reporting, helping financial organizations safeguard against digital privacy attacks while ensuring cost-effective management of their security needs. DefenseStorm was previously known as Praesidio, Inc. before rebranding in June 2016.

Illuma Labs, Inc. operates a real-time audio authentication platform designed to secure voice communications across various sectors, including financial services, insurance, and e-commerce. Founded in 2018 and based in Plano, Texas, the company's flagship solution, Illuma Shield, utilizes advanced signal processing, machine learning, and artificial intelligence to deliver high-accuracy voice authentication during natural conversations. This platform is particularly beneficial for contact centers that manage numerous simultaneous calls, as it passively analyzes the speaker's voice characteristics and calling device to enhance security against fraud and social engineering. By improving user experience and reducing operational costs, Illuma Labs provides a seamless method for authenticating and identifying customers worldwide.

Zest AI makes the power of machine learning safe to use in credit underwriting. The Zest Model Management System enables lenders to analyze vast amounts of credit data to help increase approval rates and reduce the risk of faulty credit decisions. The platform also provides the ability to explain data modeling results to measure business impact and help comply with regulatory requirements. Lenders using Zest AI software make better decisions and better loans—increasing revenue, reducing risk, and automating compliance. Zest AI was founded in 2009 with the mission of making fair and transparent credit available to everyone. Learn more at http://www.zest.ai.

Eltropy is an intelligent messaging-based platform fueled by artificial intelligence. As a global software-as-a-service (SaaS) provider, Eltropy empowers businesses to connect with their customers on SMS and text messaging apps, such as WhatsApp, iMessage, WeChat, Line, Facebook Messenger, KakaoTalk, Telegram, and Viber. The messaging revolution is here. More than 3 billion people use messaging to connect with their loved ones every day, and 9 out of 10 prefer it to communicate with businesses. Eltropy’s messaging + content sharing + AI technology will help your business achieve three objectives: 1) Grow revenue, 2) Acquire new customers, and 3) Retain existing customers. Eltropy’s customers have increased client engagement by 800% and sales conversions by 300%. We start by letting you connect to your clients on the messaging app they prefer (Text, WhatsApp, Messenger, WeChat, etc.). Then we add real-time analytics using AI/machine learning. As a result, you can better anticipate your clients’ needs and increase conversions. Also, our data-driven platform easily integrates with your IT systems while helping to ensure regulatory compliance and security. We work with you to deliver operational efficiencies and the speed of messaging. Eltropy’s technology is deployed in 23 countries. Our target markets include financial services (banking, credit unions, insurance, wealth management, etc.), automotive, and hi-tech.

Nymbus, Inc. is a technology company based in Miami Beach, Florida, that offers a Software-as-a-Service platform designed for banks and credit unions to enhance customer engagement and streamline operations. Its product suite includes SmartLaunch, which allows financial institutions to establish a digital brand in 90 days; SmartMarketing, a customer relationship management tool; and SmartCore, a digital-first core data processing system. Additionally, Nymbus provides SmartDigital for seamless digital integration, SmartPayments for real-time transaction processing and fraud protection, and SmartServices for direct access to financial industry expertise. By enabling institutions of all sizes to launch full-service digital banks quickly and convert existing operations to modern technology, Nymbus aims to drive digital innovation and growth in the financial services sector. Founded in 2006, the company serves a range of clients, including Fortune 500 companies, while prioritizing a risk-free approach to digital transformation.