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Pliant is a European fintech company based in Berlin, founded in 2020, that specializes in B2B payment solutions. Its modular, API-first platform is designed to streamline spending, improve cash flow, and integrate payments into existing financial workflows, catering particularly to industries with complex payment requirements such as travel and fleet management. Pliant offers services to two main customer segments: businesses seeking to optimize their operational processes through user-friendly applications and APIs, and financial service providers aiming to enhance their credit card offerings via Pliant's embedded finance and white-label solutions. As a licensed e-money institution, Pliant issues Visa-powered credit cards in 11 currencies across more than 30 countries, serving over 3,500 businesses and over 20 partners globally. The platform allows companies to manage expenses and credit limits easily, promoting efficiency and financial flexibility without the need for traditional bank loans.

Pliant is a European fintech company based in Berlin, founded in 2020, that specializes in B2B payment solutions. Its modular, API-first platform is designed to streamline spending, improve cash flow, and integrate payments into existing financial workflows, catering particularly to industries with complex payment requirements such as travel and fleet management. Pliant offers services to two main customer segments: businesses seeking to optimize their operational processes through user-friendly applications and APIs, and financial service providers aiming to enhance their credit card offerings via Pliant's embedded finance and white-label solutions. As a licensed e-money institution, Pliant issues Visa-powered credit cards in 11 currencies across more than 30 countries, serving over 3,500 businesses and over 20 partners globally. The platform allows companies to manage expenses and credit limits easily, promoting efficiency and financial flexibility without the need for traditional bank loans.

Concerto Card is a fintech company focused on enhancing brand loyalty through credit card partnerships. It offers a platform that specializes in card issuance, rewards functionality, and customer service. By integrating advanced technologies and analytics with robust card servicing, Concerto Card enables businesses to provide tailored credit card products to their customers, improving the overall user experience for both consumers and businesses.

Tala is a global financial technology company focused on delivering accessible financial services to underserved populations in emerging markets, including Kenya, the Philippines, Mexico, and India. The company operates a mobile application that provides users with instant access to a range of financial services, such as credit, payments, savings, and transfers, effectively integrating digital and cash economies. Tala employs advanced data science and machine learning techniques to evaluate creditworthiness in real-time, allowing individuals without formal credit histories to receive personalized credit lines. This innovative approach helps bridge the financial inclusion gap for those in need of essential financial resources.

Neon is a Brazilian fintech company founded in 2016, offering a digital banking platform and bill payment services. With over 15 million customers and 1,600 employees, Neon provides a range of products including debit and credit cards without annual fees, personal loans, investments in CDB and CDI, cashback on debit transactions, and various payment methods. Notably, Neon For Life, an AI-driven platform, enables consumers to pay bills like rent and utilities on flexible terms, without traditional credit pitfalls. The company aims to provide accessible, abusive-fee-free financial services to Brazilian workers and micro-entrepreneurs, with a focus on simplicity and convenience.

Quipu is building the first digital bank for the informal economy in LATAM. Using proprietary AI algorithms, Quipu assesses informal microbusinesses’ creditworthiness using over 80,000 alternative data points. Quipu leverages this data to provide working capital loans through a local supply chain financing system that allows microbusinesses to buy supplies, ingredients and materials at wholesale price. The company is building an uncollateralized loan protocol to boost their loan operation. Quipu’s goal is to become the one-stop-shop for financial services for micro-businesses in LATAM providing easy, fair and alternative access to working capital.

Finclude is a company that has developed a pan-European credit scoring system aimed at enabling businesses to evaluate consumers' creditworthiness based on their transactional behavior, irrespective of their credit history. The platform aggregates and interprets transactional data from various banks, allowing for a comprehensive assessment of an individual's affordability and creditworthiness. This innovative approach assists customers in making informed credit decisions by providing a clearer view of potential borrowers' financial behaviors and capabilities. Finclude's solution addresses the limitations of traditional credit scoring methods, thereby expanding access to credit for a broader range of individuals.

Tala is a global financial technology company focused on delivering accessible financial services to underserved populations in emerging markets, including Kenya, the Philippines, Mexico, and India. The company operates a mobile application that provides users with instant access to a range of financial services, such as credit, payments, savings, and transfers, effectively integrating digital and cash economies. Tala employs advanced data science and machine learning techniques to evaluate creditworthiness in real-time, allowing individuals without formal credit histories to receive personalized credit lines. This innovative approach helps bridge the financial inclusion gap for those in need of essential financial resources.

LendUp is an online lending service focused on improving financial health for individuals who are often excluded from traditional banking due to poor credit or unstable incomes. Founded by Sasha Orloff and Jake Rosenberg, the company offers a range of credit products, including loans and credit cards, designed specifically for the emerging middle class. LendUp integrates educational resources into its offerings, providing borrowers with the tools needed to enhance their financial literacy and build credit over time. By leveraging in-house technology, LendUp aims to deliver affordable and accessible financial solutions, allowing clients to break free from cycles of debt and achieve better financial outcomes.

LendUp is an online lending service focused on improving financial health for individuals who are often excluded from traditional banking due to poor credit or unstable incomes. Founded by Sasha Orloff and Jake Rosenberg, the company offers a range of credit products, including loans and credit cards, designed specifically for the emerging middle class. LendUp integrates educational resources into its offerings, providing borrowers with the tools needed to enhance their financial literacy and build credit over time. By leveraging in-house technology, LendUp aims to deliver affordable and accessible financial solutions, allowing clients to break free from cycles of debt and achieve better financial outcomes.

Card.io is a technology company that specializes in mobile payment solutions. It offers a software development kit (SDK) that enables developers to create applications allowing users to input credit card information simply by positioning their cards in front of a smartphone camera. This innovation streamlines the payment process, making it easier and faster for consumers to complete transactions through mobile devices. In addition to its SDK, Card.io provides an application that facilitates credit card payments for merchants, enhancing the overall experience for both users and businesses in the mobile payment landscape.