Finch Capital

Big xyt is a technology company that offers customizable smart data and analytics solutions to the global trading and investment community. Its platform normalizes trade conditions across various market venues, enabling consistent aggregations and comprehensive analysis. The platform delivers this information through an interactive user interface and can be easily integrated with cloud-based systems, providing clients with transparent, accurate, and normalized data to support their decision-making processes.

Webio is a company that focuses on customer engagement software, aimed at enhancing both inbound and outbound communications for businesses. Its platform leverages conversational artificial intelligence to automate and integrate chatbot interactions with live agents across various messaging channels. This technology allows for scalable communication solutions that include features such as on-demand messaging and real-time data access through an application programming interface. By providing seamless integration, Webio enables organizations to conduct effective and efficient customer conversations, thereby improving overall engagement and satisfaction.

NomuPay is a payment solutions provider that offers an end-to-end platform designed to simplify the acceptance of payments and disbursement of payouts across Europe and emerging markets in Southeast Asia and Turkey. Its Unified Payment (uP) Platform features a secure API that supports a variety of payment methods, including credit cards, buy-now-pay-later options, installment plans, and local alternatives specific to countries such as Thailand, Malaysia, Hong Kong, the Philippines, and Turkey. The platform is tailored to enhance international growth, providing organizations with comprehensive visibility and traceability in their payment processes. With a presence in Dublin, Hong Kong, Kuala Lumpur, Manila, Istanbul, and Bangkok, NomuPay is backed by a team of industry veterans with extensive experience from leading financial institutions.

Fourthline is a technology company established in 2017 that specializes in providing banks and financial service providers with a comprehensive suite of proprietary solutions for compliance with local KYC, AML, and GDPR regulations. The company’s AI-driven platform offers tools for the entire compliance lifecycle, including onboarding, verification, analysis, investigations, and ongoing KYC processes. By employing advanced fraud detection techniques, Fourthline helps businesses across various sectors, including banking and fintech, to authenticate customers with high accuracy. The platform streamlines compliance processes, automates manual tasks, and delivers real-time risk insights, allowing organizations to onboard legitimate customers efficiently while minimizing false positives and reducing compliance costs. With its first product launched in January 2018, Fourthline continues to enhance the customer experience and operational efficiency for its clients.

Twinco Capital is a financial services company based in Alcobendas, Spain, that specializes in providing innovative financing solutions for the supply chain industry. Founded in 2016, Twinco offers a comprehensive supply chain finance platform that addresses the full production cycle, from purchase orders to final invoice payments. The company connects suppliers, both large and small, with affordable funding options while also assisting buyers in establishing competitive and socially responsible supply chains. By leveraging advanced supply chain analytics and embedding environmental, social, and governance (ESG) metrics into its financing programs, Twinco aims to create a more equitable landscape for small and medium-sized enterprises in global trade. Through its unique approach, Twinco is committed to fostering inclusive growth and enhancing the sustainability of global supply chain practices.

Webio is a company that focuses on customer engagement software, aimed at enhancing both inbound and outbound communications for businesses. Its platform leverages conversational artificial intelligence to automate and integrate chatbot interactions with live agents across various messaging channels. This technology allows for scalable communication solutions that include features such as on-demand messaging and real-time data access through an application programming interface. By providing seamless integration, Webio enables organizations to conduct effective and efficient customer conversations, thereby improving overall engagement and satisfaction.

in3 is a Dutch FinTech, founded in 2018 at the heart of Eindhoven's innovative top technology region with one goal: creating ease of payment for online shoppers. We offer BNPL to consumers to pay in 3 instalments at 0% interest. At the same time, we take over the potential risks of the webshop. We are a social responsible BNPL solution which does not make money out people who pay late or don't pay but out of succesfull payments. We don't charge late fees and with our state of the art credit check we offer consuments a spending limit that doesn't get them in debts. The former company name Capayable B.V., founded in 2013, which offered Pay Later and Pay in 3 instalments is officially rebranded into in3.

Symmetrical.ai is the first payroll solution users don't hate. We enable fast-paced companies to onboard at scale and run their payroll invisibly. Instead of countless, complicated processes and (Excel) spreadsheets involving a high risk of human error, we make payroll and onboarding automated. We helped rapidly developing companies scale up by speeding up onboarding, reducing onboarding churn, and providing mistake-free payroll, ready to payout (real-time, daily, weekly, and monthly). Our mission is to eliminate borders for employment, time constraints on getting paid, and reduce the complexity of payroll across the board.

Goodlord is a London-based technology company established in 2014, specializing in cloud-based software for the rental industry. Its platform streamlines tenancy processes by enabling tenants to pay holding deposits, complete references, and sign agreements online, while landlords and estate agents can manage and sign tenancy agreements digitally. Additionally, Goodlord offers a shop-front for agents to provide value-added services such as insurance and utility services. The company's software aims to reduce administrative burdens and enhance the tenant and landlord experience.

Lantum Limited is a London-based company that operates an online workforce management platform designed to streamline healthcare staffing. Founded in 2011, Lantum enables practice managers to efficiently find and book locum general practitioners while allowing healthcare organizations to manage their freelance physicians through a marketplace of vetted professionals. The platform facilitates compliance checks, ratings, and prompt payments for physicians, thus simplifying administrative tasks. Additionally, Lantum provides tools for freelance physicians to manage their working lives, including tax management. By eliminating the need for agencies, Lantum enhances the connection between practice managers and healthcare professionals, ultimately improving the efficiency of staffing in the healthcare sector. The company, originally known as Network Locum Ltd., rebranded to Lantum Limited in July 2017.

in3 is a Dutch FinTech, founded in 2018 at the heart of Eindhoven's innovative top technology region with one goal: creating ease of payment for online shoppers. We offer BNPL to consumers to pay in 3 instalments at 0% interest. At the same time, we take over the potential risks of the webshop. We are a social responsible BNPL solution which does not make money out people who pay late or don't pay but out of succesfull payments. We don't charge late fees and with our state of the art credit check we offer consuments a spending limit that doesn't get them in debts. The former company name Capayable B.V., founded in 2013, which offered Pay Later and Pay in 3 instalments is officially rebranded into in3.

Lavanda Ventures Ltd. is a London-based company that specializes in real estate management and letting services, catering to both business and consumer clients. Founded in 2014, Lavanda has developed a technology platform that facilitates flexible rentals for multifamily real estate and student accommodation. This platform allows residential property owners and operators to access short-term rental demand while providing a scalable hospitality experience. By leveraging data, Lavanda identifies and addresses structural inefficiencies within buildings, optimizing building configuration and revenue management. This innovative approach enables property owners to maximize rental yields through short and medium-term rental opportunities, streamlining operations in the process.

Brytlyt Limited is a company based in Maidstone, United Kingdom, specializing in the development of a GPU-accelerated database and analytics platform. Founded in 2013, Brytlyt offers a comprehensive suite of products, including its main database and analytics tool, Brytlyt, and SpotLyt, which provides interactive analytics for row datasets. The platform is designed to deliver real-time analytics and data visualization while integrating geospatial mapping capabilities and a SQL editor. Additionally, it supports direct integration with Jupyter Notebooks, enhancing data management and allowing users to perform interactive drill-down analysis on individual data points. Brytlyt aims to enable data scientists and decision-makers to leverage accessible deep learning methods and data analytics at GPU speeds.

Pintek is a financial technology company focused on enhancing access to education in Indonesia by offering affordable and flexible credit solutions. The company provides a range of financing services, including bailouts, working capital loans, installment plans, and investment funding specifically tailored for educational institutions. Pintek's non-collateral repayment program allows clients to secure loans for academic purposes with ease, thereby facilitating a more inclusive educational environment. Through its innovative approach, Pintek aims to alleviate financial barriers for students and educational providers alike.

Webio is a company that focuses on customer engagement software, aimed at enhancing both inbound and outbound communications for businesses. Its platform leverages conversational artificial intelligence to automate and integrate chatbot interactions with live agents across various messaging channels. This technology allows for scalable communication solutions that include features such as on-demand messaging and real-time data access through an application programming interface. By providing seamless integration, Webio enables organizations to conduct effective and efficient customer conversations, thereby improving overall engagement and satisfaction.

Tada, Inc. is a customer retention platform that focuses on enhancing engagement between brands and their customers through memberships, subscriptions, offers, rewards, and referrals. Founded in 2012 and headquartered in Raleigh, North Carolina, Tada operates additional offices in Singapore, Makati (Philippines), Jakarta (Indonesia), and Kuala Lumpur (Malaysia). The platform aims to help businesses increase their profitability by improving customer retention strategies tailored to their specific needs. Tada provides personalized assessments and product demonstrations to identify optimal solutions for enhancing customer loyalty and engagement.

AccountsIQ is a developer of financial management software tailored for mid-sized and group organizations. Recognized as the Accounting Software of the Year at the Software Excellence Awards, the platform is designed for businesses that have outgrown their existing systems but seek a more cost-effective and less complex alternative to ERP solutions. The software facilitates streamlined accounting processes, automates consolidation, and enhances reporting speed through integrated accounting automation tools. Delivered via the cloud, AccountsIQ enables users to manage their entire accounting operations while providing real-time financial insights across multiple companies and business units. This comprehensive approach helps organizations reduce costs, increase revenues, and improve productivity.

Twinco Capital is a financial services company based in Alcobendas, Spain, that specializes in providing innovative financing solutions for the supply chain industry. Founded in 2016, Twinco offers a comprehensive supply chain finance platform that addresses the full production cycle, from purchase orders to final invoice payments. The company connects suppliers, both large and small, with affordable funding options while also assisting buyers in establishing competitive and socially responsible supply chains. By leveraging advanced supply chain analytics and embedding environmental, social, and governance (ESG) metrics into its financing programs, Twinco aims to create a more equitable landscape for small and medium-sized enterprises in global trade. Through its unique approach, Twinco is committed to fostering inclusive growth and enhancing the sustainability of global supply chain practices.

Twisto is a mobile payment application that offers a streamlined solution for online transactions. It allows users to make purchases with a single click through a connected Mastercard and supports Apple Pay. The app enables customers to manage their bills and invoices by taking photos of them, facilitating deferred payments and instant checkouts. Users can also utilize a virtual card or a payment bracelet for transactions, providing flexibility for payments at various locations. Additionally, Twisto ensures competitive exchange rates for international payments. The platform aggregates all transactions in an organized mobile interface, allowing users to settle their payments collectively at the end of each month.

SMEO S.A. is a financial services company based in Warsaw, Poland, specializing in online factoring services tailored for micro, small, and medium-sized enterprises. Founded in 2016, SMEO provides an innovative platform that allows businesses to receive advance payments on invoices issued to customers with extended payment terms. The platform leverages blockchain technology, artificial intelligence, and machine learning to optimize cash flow management for its clients. By employing automated data-driven algorithms, SMEO enables businesses to enhance their financial stability without incurring currency conversion or recurring fees, thus facilitating growth and improved competitiveness in the market.

Payaut is a financial technology company that specializes in providing automated payment solutions tailored for online marketplaces. Its platform facilitates the payout process by ensuring compliance with PSD2 regulations and automating key functions such as seller onboarding and Know Your Customer (KYC) verification. By employing a payment service provider (PSP) agnostic approach, Payaut enables marketplaces to seamlessly work with one or multiple PSPs, allowing for flexibility in payment processing. The company's technology also includes features for verifying sellers through an automated application programming interface, facilitating split payments, and ensuring hassle-free payouts based on the specific needs of businesses. This comprehensive approach enhances the security and efficiency of transactions between buyers and sellers in the online marketplace environment.

Pintek is a financial technology company focused on enhancing access to education in Indonesia by offering affordable and flexible credit solutions. The company provides a range of financing services, including bailouts, working capital loans, installment plans, and investment funding specifically tailored for educational institutions. Pintek's non-collateral repayment program allows clients to secure loans for academic purposes with ease, thereby facilitating a more inclusive educational environment. Through its innovative approach, Pintek aims to alleviate financial barriers for students and educational providers alike.

Ayoconnect is a leading financial API platform in Southeast Asia, established in 2016. It specializes in providing a wide range of white-label financial products through its robust API infrastructure, enabling developers to quickly launch financial services for their users. With a network connecting over 1,000 institutions, Ayoconnect serves more than 200 clients, including prominent banks, retailers, and fintech companies like Bank Mandiri and DANA. The platform processes over 300 million API hits annually, facilitating seamless integration and interaction among businesses, utilities, and financial institutions. Ayoconnect aims to enhance financial inclusion and promote the adoption of embedded finance throughout the region, focusing on reducing friction and improving money management for both businesses and consumers.

TaxScouts is a London-based tax preparation platform founded in 2017 by Mart Abramov, Kaupo Kõrv, and Daniel Karger. The company aims to simplify the tax filing process for individuals by offering an online service that connects users with certified accountants. Its platform features a tax bot that assists users in understanding their personal income tax situations and provides suggestions for reducing their tax liabilities. Additionally, TaxScouts integrates with financial institutions to automatically import relevant tax data, enhancing the efficiency and accuracy of the tax filing experience.

Payaut is a financial technology company that specializes in providing automated payment solutions tailored for online marketplaces. Its platform facilitates the payout process by ensuring compliance with PSD2 regulations and automating key functions such as seller onboarding and Know Your Customer (KYC) verification. By employing a payment service provider (PSP) agnostic approach, Payaut enables marketplaces to seamlessly work with one or multiple PSPs, allowing for flexibility in payment processing. The company's technology also includes features for verifying sellers through an automated application programming interface, facilitating split payments, and ensuring hassle-free payouts based on the specific needs of businesses. This comprehensive approach enhances the security and efficiency of transactions between buyers and sellers in the online marketplace environment.

Brytlyt Limited is a company based in Maidstone, United Kingdom, specializing in the development of a GPU-accelerated database and analytics platform. Founded in 2013, Brytlyt offers a comprehensive suite of products, including its main database and analytics tool, Brytlyt, and SpotLyt, which provides interactive analytics for row datasets. The platform is designed to deliver real-time analytics and data visualization while integrating geospatial mapping capabilities and a SQL editor. Additionally, it supports direct integration with Jupyter Notebooks, enhancing data management and allowing users to perform interactive drill-down analysis on individual data points. Brytlyt aims to enable data scientists and decision-makers to leverage accessible deep learning methods and data analytics at GPU speeds.

Symmetrical.ai is the first payroll solution users don't hate. We enable fast-paced companies to onboard at scale and run their payroll invisibly. Instead of countless, complicated processes and (Excel) spreadsheets involving a high risk of human error, we make payroll and onboarding automated. We helped rapidly developing companies scale up by speeding up onboarding, reducing onboarding churn, and providing mistake-free payroll, ready to payout (real-time, daily, weekly, and monthly). Our mission is to eliminate borders for employment, time constraints on getting paid, and reduce the complexity of payroll across the board.

Goodlord is a London-based technology company established in 2014, specializing in cloud-based software for the rental industry. Its platform streamlines tenancy processes by enabling tenants to pay holding deposits, complete references, and sign agreements online, while landlords and estate agents can manage and sign tenancy agreements digitally. Additionally, Goodlord offers a shop-front for agents to provide value-added services such as insurance and utility services. The company's software aims to reduce administrative burdens and enhance the tenant and landlord experience.

Trussle Lab Ltd, based in London, operates as an online mortgage broker, specializing in providing mortgage advice to first-time buyers and homeowners. Established in 2015, Trussle aims to simplify the mortgage process by moving it online, significantly reducing the time, hassle, and costs typically associated with securing a mortgage. The service is free for customers, with Trussle earning fees from lenders once a mortgage is successfully completed. As a trading style of Trussle Lab Ltd, the company is an appointed representative of Mortgage Advice Bureau Limited and is regulated by the Financial Conduct Authority. Utilizing automation and mortgage monitoring, Trussle effectively compares and tracks various mortgage products to help borrowers secure the most suitable deals for financing their homes.

AYLIEN is a Delaware-based tech company specializing in artificial intelligence and machine learning solutions for natural language processing. It offers a suite of tools, including Talk.ee for information collection and categorization, Talk.ee News Ticker for real-time news updates, and AYLIEN App Engine for developing micro-applications. These tools enable users to extract meaning and insights from large volumes of human-generated content, catering to developers, data scientists, marketers, and academics. Additionally, AYLIEN provides oTaste, a tool for digitizing human tastes.

Halofina is a mobile application designed to assist young professionals in managing their finances and developing investment strategies. The app functions as a personal financial planning assistant, offering users investment recommendations and enabling them to track their portfolios. By utilizing AI-driven advisory features, Halofina helps users set financial goals, calculate their investment needs, and select appropriate investment products. The application also provides real-time progress reports on investment portfolios, empowering users to make informed financial decisions and work towards their future financial objectives.

Pintek is a financial technology company focused on enhancing access to education in Indonesia by offering affordable and flexible credit solutions. The company provides a range of financing services, including bailouts, working capital loans, installment plans, and investment funding specifically tailored for educational institutions. Pintek's non-collateral repayment program allows clients to secure loans for academic purposes with ease, thereby facilitating a more inclusive educational environment. Through its innovative approach, Pintek aims to alleviate financial barriers for students and educational providers alike.

PerfOps is a Krakow-based company founded in 2017 that specializes in network analytics, offering a comprehensive platform designed to enhance the monitoring of global and distributed network applications. Its suite of products includes the PerfOps CLI, a command line tool for executing network tests and benchmarks, and PerfOps Network Utilities, which serves as a control panel for various network operations. The company also provides FlexBalancer, a cloud-based load-balancing service that optimizes internet traffic routing based on performance metrics. Additionally, PerfOps Analytics delivers insights into CDN, DNS, and cloud performance by analyzing billions of benchmarks. With a network of 300 global servers, PerfOps enables users to conduct on-demand network tests and troubleshoot services worldwide, facilitating competitive intelligence and issue diagnosis within network infrastructures.

Twinco Capital is a financial services company based in Alcobendas, Spain, that specializes in providing innovative financing solutions for the supply chain industry. Founded in 2016, Twinco offers a comprehensive supply chain finance platform that addresses the full production cycle, from purchase orders to final invoice payments. The company connects suppliers, both large and small, with affordable funding options while also assisting buyers in establishing competitive and socially responsible supply chains. By leveraging advanced supply chain analytics and embedding environmental, social, and governance (ESG) metrics into its financing programs, Twinco aims to create a more equitable landscape for small and medium-sized enterprises in global trade. Through its unique approach, Twinco is committed to fostering inclusive growth and enhancing the sustainability of global supply chain practices.

Purely Capital Limited is a media and entertainment financing company based in London, United Kingdom. Founded in 2018, the company specializes in streamlining and automating the monetization of contracted receivables for stakeholders in the entertainment industry, including producers and rights owners. Purely Capital has developed an innovative platform that enhances financial reporting, payment processing, and receivables management. This technology allows clients to accelerate cash flow from long-dated contracts across various global streaming and broadcast platforms, thereby improving operational efficiency for its users.

Brickblock Ltd. is a technology company founded in 2017 and based in Gibraltar. It specializes in developing a platform that enables the tokenization of real-world assets, allowing users to buy and sell tokenized shares using cryptocurrency on the blockchain. The company was a pioneer in Europe for tokenizing real estate and has since expanded its offerings to include various investment vehicles such as exchange-traded funds (ETFs), real estate funds (REFs), and both passive and active coin-managed funds. Additionally, Brickblock provides its expertise and technology to business-to-business clients, facilitating the integration of blockchain solutions in asset management.

Fixico is a digital platform that revolutionizes the automotive damage repair industry for consumers and businesses. It streamlines the handling process of car damage repairs, allowing drivers, insurers, and fleet owners to quickly obtain, compare, and select the best repair offers. With a network of 2,000 high-quality repair shops across the Netherlands, Belgium, and Germany, Fixico has processed over 200,000 damage cases to date. The platform provides users with insights into repair costs and facilitates access to competitive quotes from affiliated repair services, ensuring a convenient and economical solution for auto repair needs.

Symmetrical.ai is the first payroll solution users don't hate. We enable fast-paced companies to onboard at scale and run their payroll invisibly. Instead of countless, complicated processes and (Excel) spreadsheets involving a high risk of human error, we make payroll and onboarding automated. We helped rapidly developing companies scale up by speeding up onboarding, reducing onboarding churn, and providing mistake-free payroll, ready to payout (real-time, daily, weekly, and monthly). Our mission is to eliminate borders for employment, time constraints on getting paid, and reduce the complexity of payroll across the board.

Twisto is a mobile payment application that offers a streamlined solution for online transactions. It allows users to make purchases with a single click through a connected Mastercard and supports Apple Pay. The app enables customers to manage their bills and invoices by taking photos of them, facilitating deferred payments and instant checkouts. Users can also utilize a virtual card or a payment bracelet for transactions, providing flexibility for payments at various locations. Additionally, Twisto ensures competitive exchange rates for international payments. The platform aggregates all transactions in an organized mobile interface, allowing users to settle their payments collectively at the end of each month.

Pintek is a financial technology company focused on enhancing access to education in Indonesia by offering affordable and flexible credit solutions. The company provides a range of financing services, including bailouts, working capital loans, installment plans, and investment funding specifically tailored for educational institutions. Pintek's non-collateral repayment program allows clients to secure loans for academic purposes with ease, thereby facilitating a more inclusive educational environment. Through its innovative approach, Pintek aims to alleviate financial barriers for students and educational providers alike.

TaxScouts is a London-based tax preparation platform founded in 2017 by Mart Abramov, Kaupo Kõrv, and Daniel Karger. The company aims to simplify the tax filing process for individuals by offering an online service that connects users with certified accountants. Its platform features a tax bot that assists users in understanding their personal income tax situations and provides suggestions for reducing their tax liabilities. Additionally, TaxScouts integrates with financial institutions to automatically import relevant tax data, enhancing the efficiency and accuracy of the tax filing experience.

Jojonomic is a developer of a mobile personal financial application and expense management software that aims to transform financial management for individuals and businesses. Its cloud-based tools facilitate comprehensive business management across various functions, including human resources, finance, sales and marketing, and operations. By providing a user-friendly interface, Jojonomic enables clients to efficiently manage their finances and business operations, allowing different teams to optimize their performance and achieve better results.

Goodlord is a London-based technology company established in 2014, specializing in cloud-based software for the rental industry. Its platform streamlines tenancy processes by enabling tenants to pay holding deposits, complete references, and sign agreements online, while landlords and estate agents can manage and sign tenancy agreements digitally. Additionally, Goodlord offers a shop-front for agents to provide value-added services such as insurance and utility services. The company's software aims to reduce administrative burdens and enhance the tenant and landlord experience.

PerfOps is a Krakow-based company founded in 2017 that specializes in network analytics, offering a comprehensive platform designed to enhance the monitoring of global and distributed network applications. Its suite of products includes the PerfOps CLI, a command line tool for executing network tests and benchmarks, and PerfOps Network Utilities, which serves as a control panel for various network operations. The company also provides FlexBalancer, a cloud-based load-balancing service that optimizes internet traffic routing based on performance metrics. Additionally, PerfOps Analytics delivers insights into CDN, DNS, and cloud performance by analyzing billions of benchmarks. With a network of 300 global servers, PerfOps enables users to conduct on-demand network tests and troubleshoot services worldwide, facilitating competitive intelligence and issue diagnosis within network infrastructures.

Hiber Global, founded in 2016 and based in Amsterdam, Netherlands, specializes in providing satellite broadband services and affordable IoT connectivity through its Hiberband technology. The company has developed a nano-satellite platform that enables low-cost data transmission for Internet of Things (IoT) devices and sensors worldwide. This platform facilitates easy access to low-power networks, allowing users to gather small data packages from diverse monitoring devices, regardless of their location. Hiber's innovative solutions deliver actionable insights, making it a leader in next-generation IoT core infrastructure.

Digital Insurance Group functions as a digital insurance platform, focusing on modernizing the insurance experience through innovative technology. By leveraging digital tools, the company aims to streamline processes and enhance customer engagement in the insurance sector. This approach allows for greater efficiency and accessibility, catering to the evolving needs of consumers in a digital-first world.

Tada, Inc. is a customer retention platform that focuses on enhancing engagement between brands and their customers through memberships, subscriptions, offers, rewards, and referrals. Founded in 2012 and headquartered in Raleigh, North Carolina, Tada operates additional offices in Singapore, Makati (Philippines), Jakarta (Indonesia), and Kuala Lumpur (Malaysia). The platform aims to help businesses increase their profitability by improving customer retention strategies tailored to their specific needs. Tada provides personalized assessments and product demonstrations to identify optimal solutions for enhancing customer loyalty and engagement.

Safened Limited is a London-based company, founded in 2013, specializing in digital solutions for managing term deposit accounts for high net worth individuals, wealth managers, and deposit banks across the European Union. The company provides a platform that enables users to select, open, and manage multiple deposit accounts with various banks in North Western Europe, leveraging different deposit guarantee schemes. In addition, Safened offers a fully digital onboarding solution that employs advanced machine learning algorithms to enhance customer identification, build trust, and reduce fraud risk. This service is tailored for digital banks, payment service providers, online marketplaces, and other entities subject to anti-money laundering regulations and data protection laws, allowing them to optimize their identification processes in a compliant and efficient manner. Safened also maintains offices in Amsterdam, Netherlands, to support its operations within the continental European market.

Trussle Lab Ltd, based in London, operates as an online mortgage broker, specializing in providing mortgage advice to first-time buyers and homeowners. Established in 2015, Trussle aims to simplify the mortgage process by moving it online, significantly reducing the time, hassle, and costs typically associated with securing a mortgage. The service is free for customers, with Trussle earning fees from lenders once a mortgage is successfully completed. As a trading style of Trussle Lab Ltd, the company is an appointed representative of Mortgage Advice Bureau Limited and is regulated by the Financial Conduct Authority. Utilizing automation and mortgage monitoring, Trussle effectively compares and tracks various mortgage products to help borrowers secure the most suitable deals for financing their homes.

Brickblock Ltd. is a technology company founded in 2017 and based in Gibraltar. It specializes in developing a platform that enables the tokenization of real-world assets, allowing users to buy and sell tokenized shares using cryptocurrency on the blockchain. The company was a pioneer in Europe for tokenizing real estate and has since expanded its offerings to include various investment vehicles such as exchange-traded funds (ETFs), real estate funds (REFs), and both passive and active coin-managed funds. Additionally, Brickblock provides its expertise and technology to business-to-business clients, facilitating the integration of blockchain solutions in asset management.

Supply Finance Limited is a Dublin-based company that operates a trade finance platform specifically designed for small and medium-sized enterprises (SMEs). Established in 2017, the company aims to provide SMEs in Europe with access to the same financing tools that larger businesses typically enjoy. Supply Finance has developed a sophisticated system backed by robust operational capabilities, facilitating the delivery of trade finance products to a diverse range of companies. To enhance its offerings, the company collaborates with leading trade finance partners across Europe, enabling them to expand their services and effectively support small businesses in their local markets.

Fourthline is a technology company established in 2017 that specializes in providing banks and financial service providers with a comprehensive suite of proprietary solutions for compliance with local KYC, AML, and GDPR regulations. The company’s AI-driven platform offers tools for the entire compliance lifecycle, including onboarding, verification, analysis, investigations, and ongoing KYC processes. By employing advanced fraud detection techniques, Fourthline helps businesses across various sectors, including banking and fintech, to authenticate customers with high accuracy. The platform streamlines compliance processes, automates manual tasks, and delivers real-time risk insights, allowing organizations to onboard legitimate customers efficiently while minimizing false positives and reducing compliance costs. With its first product launched in January 2018, Fourthline continues to enhance the customer experience and operational efficiency for its clients.

Ayoconnect is a leading financial API platform in Southeast Asia, established in 2016. It specializes in providing a wide range of white-label financial products through its robust API infrastructure, enabling developers to quickly launch financial services for their users. With a network connecting over 1,000 institutions, Ayoconnect serves more than 200 clients, including prominent banks, retailers, and fintech companies like Bank Mandiri and DANA. The platform processes over 300 million API hits annually, facilitating seamless integration and interaction among businesses, utilities, and financial institutions. Ayoconnect aims to enhance financial inclusion and promote the adoption of embedded finance throughout the region, focusing on reducing friction and improving money management for both businesses and consumers.

Frits.com, also known as Hyposhaker B.V., is an Amsterdam-based company that specializes in providing online residential mortgage broking services. Established in 2015, the company offers comprehensive mortgage advice and interactive online tools that enable customers to assess various mortgage options and calculate potential claim values. Frits.com focuses on automating routine tasks such as document submission, deal acceptance, and customer support, thereby streamlining the mortgage process for its clients. Through its innovative platform, the company aims to simplify the mortgage acquisition experience for individuals seeking residential financing.

Fixico is a digital platform that revolutionizes the automotive damage repair industry for consumers and businesses. It streamlines the handling process of car damage repairs, allowing drivers, insurers, and fleet owners to quickly obtain, compare, and select the best repair offers. With a network of 2,000 high-quality repair shops across the Netherlands, Belgium, and Germany, Fixico has processed over 200,000 damage cases to date. The platform provides users with insights into repair costs and facilitates access to competitive quotes from affiliated repair services, ensuring a convenient and economical solution for auto repair needs.

Digital Insurance Group functions as a digital insurance platform, focusing on modernizing the insurance experience through innovative technology. By leveraging digital tools, the company aims to streamline processes and enhance customer engagement in the insurance sector. This approach allows for greater efficiency and accessibility, catering to the evolving needs of consumers in a digital-first world.

Intelliment Security, founded in 2007 and based in Seville, Spain, specializes in software-defined security controller products aimed at automating network security policy management. The company provides an intelligent control plane that allows for the management and provisioning of security policies in a vendor-agnostic manner, utilizing programmable and visual interfaces. Intelliment's solutions enable network engineering teams to facilitate application connectivity self-service, significantly reducing firewall policy provisioning time from weeks to seconds while minimizing errors and ensuring compliance with guidelines. Their software integrates seamlessly with ITSM and Agile CM products and can be incorporated into the DevOps CI/CD pipeline. Intelliment's technology supports both physical legacy infrastructure and virtualized environments, enhancing operational efficiency, reliability, visibility, security, and compliance for organizations.

Squirro is a developer of Augmented Intelligence solutions that enhance decision-making and client relations for organizations, particularly in the Financial Services, Insurance, Telecommunications, and Manufacturing industries. Founded in 2012, the company is headquartered in Zürich and has additional offices in London, Munich, New York, and Singapore. Squirro's core offering is its Insights Engine, which combines human intelligence with advanced artificial intelligence to deliver contextualized insights from various data sources. This technology enables businesses to effectively manage and extract value from their data by transforming disparate information into actionable insights and tailored recommendations. Squirro's clientele includes prominent organizations such as the Bank of England, Standard Chartered, and ING.

Fourthline is a technology company established in 2017 that specializes in providing banks and financial service providers with a comprehensive suite of proprietary solutions for compliance with local KYC, AML, and GDPR regulations. The company’s AI-driven platform offers tools for the entire compliance lifecycle, including onboarding, verification, analysis, investigations, and ongoing KYC processes. By employing advanced fraud detection techniques, Fourthline helps businesses across various sectors, including banking and fintech, to authenticate customers with high accuracy. The platform streamlines compliance processes, automates manual tasks, and delivers real-time risk insights, allowing organizations to onboard legitimate customers efficiently while minimizing false positives and reducing compliance costs. With its first product launched in January 2018, Fourthline continues to enhance the customer experience and operational efficiency for its clients.

Cermati is an online portal based in West Jakarta, Indonesia, that specializes in helping individuals research, compare, and select financial products. Founded in 2014, the company aims to make financial information more accessible and useful for the Indonesian population. By utilizing technology, Cermati provides a platform where users can easily make informed financial decisions tailored to their needs. The platform not only offers trusted information but also manages the entire customer onboarding process, including in-person meetings to facilitate document signing with partner banks. Through its services, Cermati empowers users to take control of their financial situations and save money.

Trussle Lab Ltd, based in London, operates as an online mortgage broker, specializing in providing mortgage advice to first-time buyers and homeowners. Established in 2015, Trussle aims to simplify the mortgage process by moving it online, significantly reducing the time, hassle, and costs typically associated with securing a mortgage. The service is free for customers, with Trussle earning fees from lenders once a mortgage is successfully completed. As a trading style of Trussle Lab Ltd, the company is an appointed representative of Mortgage Advice Bureau Limited and is regulated by the Financial Conduct Authority. Utilizing automation and mortgage monitoring, Trussle effectively compares and tracks various mortgage products to help borrowers secure the most suitable deals for financing their homes.

Fixico is a digital platform that revolutionizes the automotive damage repair industry for consumers and businesses. It streamlines the handling process of car damage repairs, allowing drivers, insurers, and fleet owners to quickly obtain, compare, and select the best repair offers. With a network of 2,000 high-quality repair shops across the Netherlands, Belgium, and Germany, Fixico has processed over 200,000 damage cases to date. The platform provides users with insights into repair costs and facilitates access to competitive quotes from affiliated repair services, ensuring a convenient and economical solution for auto repair needs.

Pritle (now Binck Forward) is an online wealth manager that allows its users to easily set and track goals, such as their retirement, a child’s education, or a trip around the world, within a specified timeframe. It enables clients to define an individualized client profile on the basis of which a customized portfolio of funds is created from asset managers, such as BlackRock, Vanguard, and StateStreet. The Pritle initiative was initiated in February 2013 by banker Thomas Bunnik. In 2014 it established its first holding company based in Amsterdam, The Netherlands. Pritle was acquired by BinckBank NV in April 2017.

BUX, established in 2014 and based in Amsterdam, is a fintech company that provides a mobile stock trading platform. Its key offering is a commission-free investing app, making it accessible and affordable for both novice and experienced investors to trade stocks and exchange-traded funds (ETFs). Additionally, the platform allows users to invest in real cryptocurrencies.

Legalbase was a digital platform that aimed to provide accessible legal services through a network of independent attorneys. It offered a variety of legal solutions, including personalized wills, corporate succession planning, and services related to employment and trademark law, all at fixed prices. Legalbase emphasized simplicity, transparency, and security in its offerings, allowing clients to understand their costs upfront. However, the company filed for bankruptcy in February 2017, just a year after its public launch in the legal tech space. Following its closure, Legalbase became a product of LegalZoom, which now operates it under the entity LegalZoom Germany GmbH.

Knip AG, founded in September 2013 by Dennis Just and Christina Kehl, is a technology company based in Zurich, with additional offices in Berlin and Belgrade. The company employs over 100 individuals and has received venture capital funding from investors in the United States, Switzerland, Germany, and the Netherlands. Knip offers an innovative mobile application that serves as a comprehensive insurance manager, allowing users to track their insurance policies, premiums, and benefits in one place. The application provides features for electronic adjustments to premiums, execution of new policies, and cancellation of existing ones. Additionally, Knip conducts biannual financial reviews for its users, offering recommendations on tariffs and insurance products. The company's focus on transparency and unbiased advice is supported by a team of insurance experts who assist users with all aspects of their policies. Knip is registered with the German Chamber of Industry & Commerce and certified by the German Technical Inspection Agency.

Salviol Global Analytics Ltd. is a prominent provider of analytical software and corporate services specializing in information search, analysis, and visualization, as well as business process optimization. Founded in 2009 and headquartered in London, with additional offices in Slovenia, Macedonia, and Serbia, the company has extensive experience collaborating with local, regional, and economic organizations across Europe. Salviol's flagship solution, the Fraud, Risk, and Operational Performance Solution (FROPS), is designed to automatically detect, prevent, and investigate various forms of fraud using advanced statistical processing, predictive analytics, and machine learning. FROPS includes modules for revenue assurance and an early warning system, enabling organizations to optimize costs, maximize revenue, and identify financial vulnerabilities among clients. Through its innovative software solutions, Salviol Global Analytics serves a diverse clientele, partnering with vendors and local providers worldwide.

BUX, established in 2014 and based in Amsterdam, is a fintech company that provides a mobile stock trading platform. Its key offering is a commission-free investing app, making it accessible and affordable for both novice and experienced investors to trade stocks and exchange-traded funds (ETFs). Additionally, the platform allows users to invest in real cryptocurrencies.

Knip AG, founded in September 2013 by Dennis Just and Christina Kehl, is a technology company based in Zurich, with additional offices in Berlin and Belgrade. The company employs over 100 individuals and has received venture capital funding from investors in the United States, Switzerland, Germany, and the Netherlands. Knip offers an innovative mobile application that serves as a comprehensive insurance manager, allowing users to track their insurance policies, premiums, and benefits in one place. The application provides features for electronic adjustments to premiums, execution of new policies, and cancellation of existing ones. Additionally, Knip conducts biannual financial reviews for its users, offering recommendations on tariffs and insurance products. The company's focus on transparency and unbiased advice is supported by a team of insurance experts who assist users with all aspects of their policies. Knip is registered with the German Chamber of Industry & Commerce and certified by the German Technical Inspection Agency.

Komparu is a software company that specializes in providing a customizable online product comparison platform aimed at helping businesses monetize their website traffic. The platform features a comprehensive dashboard that includes product management tools, real-time statistics, benchmarking capabilities, and user behavior analysis. Additionally, it offers a module and widget template designer, allowing companies to integrate fast and reliable product comparison tools directly into their websites. This enables users to make informed product choices seamlessly, enhancing the overall user experience while generating revenue opportunities for businesses with high traffic.

Moni is a mobile money transfer platform based in Toronto that facilitates seamless fund transfers from users' bank accounts to recipients. Founded in 2013 by Fernando Saturno and Laurence Aderemi, the app allows users to select their recipient and the transfer amount, entering their bank details either manually or by scanning their debit card. Users can send money directly to a recipient's bank account or to their mobile phone, allowing the recipient to choose the bank account for deposit. The platform employs encryption for security and provides users with text notifications when the recipient accepts the transfer, as well as tracking the transfer's progress through the app and SMS updates. Moni aims to simplify international money transfers, enhancing the overall user experience.

Zopa is a UK-based online marketplace lending platform, established in 2004, that connects individuals seeking unsecured loans with investors, both private and institutional. The platform offers various loan types, including car loans, debt consolidation, home improvement, and wedding loans, as well as peer-to-peer investment opportunities. Zopa facilitates these transactions, charging a fixed fee for borrowers and a 1% annual fee for lenders. The platform mitigates risk by enforcing monthly repayments, legal contracts, and diversifying investments. Zopa also provides an app for users to manage their loans, credit cards, savings, and monitor their credit scores. The company has received numerous awards for its innovative services and customer service.