EMVC

Emphasis Ventures is a venture capital fund established in 2018 and headquartered in New York, New York. The firm focuses on investing in early-stage financial technology and insurtech companies, particularly in India and other high-growth markets. Emphasis Ventures aims to identify and support innovative solutions that have the potential to transform the financial landscape, recognizing that significant advancements often emerge from unexpected sources. Through its investments, the firm seeks to foster growth and development within the financial technology sector, contributing to the evolution of services and products that meet the needs of consumers and businesses alike.

Melissa Frakman

Founder and Managing Partner

22 past transactions

CARD91

Seed Round in 2022
Developer of issuance platform designed to offer unparalleled technology infrastructure to banks, SMEs, corporates & fintech. The company's platform offers a unique financial ecosystem that is fully integrated, personalized, and optimized, provides complete financial control and optimal wealth management capabilities, and helps in issuing payment instruments to their customers, vendors, partners and employees, enabling clients to take a faster decision making, controlling, and view on transactions.

TartanHQ

Seed Round in 2022
Our technology allows businesses to access payroll data directly from the payroll systems to streamline income and employment verification, improve underwriting models, and help employees and independents avail custom benefits from their employers.

Wealthy

Series A in 2022
Wealthy is an innovative financial services platform that focuses on enhancing financial advice and transaction capabilities through technology. It offers a range of products, including customer-facing advice tools and a paperless execution platform, aimed at improving the overall customer experience. The platform specializes in portfolio management by providing recommendations for asset allocation, diversification, and rebalancing, while automating data entry to streamline the investment process. Wealthy’s mission is to empower individuals to make informed financial decisions by leveraging software and internet resources. The company positions itself at the intersection of finance, technology, and design, ensuring that users receive a superior and user-friendly experience in managing their investments.

Bureau

Series A in 2021
Developer of a no-code identity and risk orchestration platform designed to facilitate end-to-end identity verification, compliance, and fraud prevention for new-age businesses. The company's platform offers digital identity, risk management, and fraud prevention in the mobile space by enhancing KYC, authentication, and authorization on a real-time basis, enabling clients to accelerate transactions with one-tap login and one-click checkout.

Clinikk

Seed Round in 2021
Dedicated Care team of Doctors and Health Assistants, available 24/7.Budget friendly payment plans with comprehensive claim support.Holistic Healthcare coverage for the underserved.

Monnai

Seed Round in 2021
Monnai is a financial technology company that offers a comprehensive platform designed to enhance the decision-making capabilities of financial organizations. By providing access to over 500 insights through a single API, Monnai supports fintech firms in managing crucial aspects of customer interactions, including onboarding, trust and fraud risk assessment, credit underwriting, and debt collections. The platform facilitates real-time credit decisions and aggregates financial and digital insights, ultimately enabling businesses to enhance their operational efficiency and revenue growth by accessing financial services at more affordable rates.

GramCover

Series A in 2021
GramCover Insurance Brokers Private Limited is an online insurance brokerage firm based in Noida, India, focused on serving the rural sector. Established in 2016, the company offers a comprehensive marketplace that provides various insurance products, including life, crop, livestock, health, and motor insurance, alongside reinsurance and risk advisory services. By leveraging technology and innovative distribution methods, GramCover aims to reduce costs and enhance insurance penetration in rural areas. The platform utilizes tools such as Jan Dhan, Aadhar, and mobile technology to efficiently onboard customers, while its advanced risk analysis capabilities facilitate the development of personalized insurance products tailored to the needs of farmers. Additionally, GramCover supports its users with services like claim processing, policy download, payment collection, and customer onboarding.

Bimaplan

Seed Round in 2021
Bimaplan operates as an insurance platform. Bimaplan claims to work with insurers to create over-the-counter, low-premium insurance products ($5-50 annually) relevant to the needs of low and middle-income populations.

Bimaplan

Seed Round in 2021
Bimaplan operates as an insurance platform. Bimaplan claims to work with insurers to create over-the-counter, low-premium insurance products ($5-50 annually) relevant to the needs of low and middle-income populations.

CARD91

Pre Seed Round in 2020
Developer of issuance platform designed to offer unparalleled technology infrastructure to banks, SMEs, corporates & fintech. The company's platform offers a unique financial ecosystem that is fully integrated, personalized, and optimized, provides complete financial control and optimal wealth management capabilities, and helps in issuing payment instruments to their customers, vendors, partners and employees, enabling clients to take a faster decision making, controlling, and view on transactions.

Clinikk

Funding Round in 2020
Dedicated Care team of Doctors and Health Assistants, available 24/7.Budget friendly payment plans with comprehensive claim support.Holistic Healthcare coverage for the underserved.

Bureau

Seed Round in 2020
Developer of a no-code identity and risk orchestration platform designed to facilitate end-to-end identity verification, compliance, and fraud prevention for new-age businesses. The company's platform offers digital identity, risk management, and fraud prevention in the mobile space by enhancing KYC, authentication, and authorization on a real-time basis, enabling clients to accelerate transactions with one-tap login and one-click checkout.

slice

Series B in 2020
slice (prev SlicePay) is a Fintech startup focused on Young India. They are building a transparent and less time-consuming financial platform to enhance the life experience for young Indians. Their first product is slice card that provides seamless credit payments, high-quality mobile experience & customer service

GramCover

Seed Round in 2020
GramCover Insurance Brokers Private Limited is an online insurance brokerage firm based in Noida, India, focused on serving the rural sector. Established in 2016, the company offers a comprehensive marketplace that provides various insurance products, including life, crop, livestock, health, and motor insurance, alongside reinsurance and risk advisory services. By leveraging technology and innovative distribution methods, GramCover aims to reduce costs and enhance insurance penetration in rural areas. The platform utilizes tools such as Jan Dhan, Aadhar, and mobile technology to efficiently onboard customers, while its advanced risk analysis capabilities facilitate the development of personalized insurance products tailored to the needs of farmers. Additionally, GramCover supports its users with services like claim processing, policy download, payment collection, and customer onboarding.

GramCover

Seed Round in 2020
GramCover Insurance Brokers Private Limited is an online insurance brokerage firm based in Noida, India, focused on serving the rural sector. Established in 2016, the company offers a comprehensive marketplace that provides various insurance products, including life, crop, livestock, health, and motor insurance, alongside reinsurance and risk advisory services. By leveraging technology and innovative distribution methods, GramCover aims to reduce costs and enhance insurance penetration in rural areas. The platform utilizes tools such as Jan Dhan, Aadhar, and mobile technology to efficiently onboard customers, while its advanced risk analysis capabilities facilitate the development of personalized insurance products tailored to the needs of farmers. Additionally, GramCover supports its users with services like claim processing, policy download, payment collection, and customer onboarding.

KhataBook

Series B in 2020
KhataBook is an innovative Indian company that provides a smartphone-based ledger application tailored for micro, small, and medium businesses. Founded in 2018, the app assists entrepreneurs in managing their business and personal credits by securely tracking transactions and automatically sending payment reminders to customers. It also facilitates online payment collection through UPI and QR codes, helping merchants streamline their financial processes. With its user-friendly interface, KhataBook has gained significant traction, boasting over 20 million registered users and support for more than 11 languages. The company's contributions to enhancing efficiency in the business sector have been recognized, earning it the "Best Innovative Mobile App" award at the India Digital Awards in 2020.

Basis

Pre Seed Round in 2020
Provider of financial services intended to provide prepaid cards for women to manage their expenses. The company provides a card that can be controlled by an application to set spending limits receive cashback and rewards on every transaction and track all their expenses, allowing women to get a prepaid card that is safe and easy to use.

Klub

Pre Seed Round in 2020
Klub is a fintech play providing growth financing to high-affinity brands. Klub’s investment platform, which utilizes financial innovation, community engagement and deep data-driven analytics, provides skin-in-the-game growth capital to entrepreneurs of much-loved brands across sectors.

Niki

Series A in 2019
Niki is focused on converting India's 500 million new Internet users into active consumers by providing a messaging and personal assistant platform that simplifies various payment needs. The service allows users to interact in their native language, replicating the experience of speaking with a local agent to access a wide range of services, including mobile recharging, online shopping, and cab bookings. By utilizing proprietary technology that incorporates machine learning and Natural Language Processing, Niki enhances the offline experience and streamlines everyday tasks for users, ultimately improving their efficiency and facilitating transactions in a manner that is familiar and accessible.

Wealthy

Seed Round in 2019
Wealthy is an innovative financial services platform that focuses on enhancing financial advice and transaction capabilities through technology. It offers a range of products, including customer-facing advice tools and a paperless execution platform, aimed at improving the overall customer experience. The platform specializes in portfolio management by providing recommendations for asset allocation, diversification, and rebalancing, while automating data entry to streamline the investment process. Wealthy’s mission is to empower individuals to make informed financial decisions by leveraging software and internet resources. The company positions itself at the intersection of finance, technology, and design, ensuring that users receive a superior and user-friendly experience in managing their investments.

Credenc

Seed Round in 2019
Credenc Web Technologies Private Limited is a digital education loan platform based in New Delhi, India, founded in 2017 by Avinash Kumar and Mayank Batheja. The platform specializes in providing education loans to deserving students seeking higher education, particularly in management colleges. Credenc facilitates the loan procurement process through an easy online application system that offers options from multiple banks without any service charges. In addition to financial support, the company assists students with employability services, guiding them as they transition from education to professional life. This holistic approach aims to improve access to post-secondary education and enhance students' career prospects.

Kaarva

Seed Round in 2019
Kaarva is India's first flexible salary platform that empowers employees to access portions of their earned salaries at their convenience, multiple times a month. Unlike traditional salary advances, Kaarva enables users to withdraw smaller amounts as needed, without having to wait for payroll cycles. The platform is designed to provide regular income workers with fair and affordable financial solutions, allowing them to address urgent financial needs with ease and minimal stress. Additionally, Kaarva encourages users to save towards individual goals and offers digital tools that assist in making informed financial decisions. This innovative approach not only enhances employee job satisfaction but also provides companies with a competitive edge in recruitment.
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