Startup Wise Guys

Monkee is a financial technology company founded in Austria that offers a unique application designed to enhance personal finance and loyalty. The app encourages users to save money for important goals while shopping consciously for necessary items. By integrating behavioral design, gamification, and machine learning, Monkee promotes financial fitness by helping users maintain a sustainable balance between saving and spending. This innovative approach not only benefits users by increasing their savings but also assists retail partners in engaging consumers effectively, resulting in significantly higher sales conversion and customer retention. Monkee aims to establish the concept of "Save now Buy Later" as a responsible alternative to traditional "Buy now Pay Later" schemes. The app was initially launched in Germany and Austria, targeting users who seek to improve their financial well-being.

Monkee is a financial technology company founded in Austria that offers a unique application designed to enhance personal finance and loyalty. The app encourages users to save money for important goals while shopping consciously for necessary items. By integrating behavioral design, gamification, and machine learning, Monkee promotes financial fitness by helping users maintain a sustainable balance between saving and spending. This innovative approach not only benefits users by increasing their savings but also assists retail partners in engaging consumers effectively, resulting in significantly higher sales conversion and customer retention. Monkee aims to establish the concept of "Save now Buy Later" as a responsible alternative to traditional "Buy now Pay Later" schemes. The app was initially launched in Germany and Austria, targeting users who seek to improve their financial well-being.

Monkee is a financial technology company founded in Austria that offers a unique application designed to enhance personal finance and loyalty. The app encourages users to save money for important goals while shopping consciously for necessary items. By integrating behavioral design, gamification, and machine learning, Monkee promotes financial fitness by helping users maintain a sustainable balance between saving and spending. This innovative approach not only benefits users by increasing their savings but also assists retail partners in engaging consumers effectively, resulting in significantly higher sales conversion and customer retention. Monkee aims to establish the concept of "Save now Buy Later" as a responsible alternative to traditional "Buy now Pay Later" schemes. The app was initially launched in Germany and Austria, targeting users who seek to improve their financial well-being.

Cabal is a financial application designed for entrepreneurs and micro-entrepreneurs, particularly in Latin America. It enables users to manage their finances effectively by keeping records of daily transactions related to sales, expenses, and inventory. The app offers features that allow business owners to customize their stores and streamline order processing from customers, all accessible from their mobile devices. With over 70,000 users globally, Cabal empowers small business owners to take control of their operations and make informed financial decisions from anywhere.

TeklifimGelsin is a personalized financial platform designed to connect users with various financial institutions, enabling them to compare offers tailored to their specific needs. The platform facilitates quick applications, allowing users to finalize transactions in under 40 seconds. It provides a range of complimentary services, including loans, investment products, and insurance, while also offering insights through its Credit Score Report. By integrating with banks, credit reference agencies, and insurance companies, TeklifimGelsin enhances the user experience by delivering instant access to customized financial solutions, including loans, deposits, credit cards, and insurance offerings. The company continuously develops its framework to address users' financial challenges and improve their financial decision-making processes.

Tunzaa is an online savings platform designed to enhance the financial habits of unbanked consumers in Africa. It provides a save-now-buy-later infrastructure that allows users to save money and make purchases from a curated selection of trusted merchants. By catering to individuals with average or below-average incomes, Tunzaa facilitates a data-driven marketplace where users can manage their finances more effectively. The platform enables customers to make installment payments directly from their mobile money wallets, allowing them to achieve their purchasing goals at a pace that suits their financial situation.

Sortika is a mobile-based personal wealth management service that aims to democratize savings and investments through its innovative micro-savings platform. The company provides a personal financial management app that enables users to set and achieve their financial and personal goals while simplifying the financial planning process. By offering tools that facilitate effective savings and investment strategies, Sortika empowers consumers to take control of their financial futures.

A Fintech as a Service Platform empowering Entrepreneurs, Startups, & Banks to build and launch Fintech products using pre-existing APIs and No Code templates under a Pay as you Go model. Today we operate in the Investment & Personal Financial Management verticals, helping entrepreneurs go from Idea Stage to MVP to Product in the fastest, easiest, and cheapest way possible.

Monkee is a financial technology company founded in Austria that offers a unique application designed to enhance personal finance and loyalty. The app encourages users to save money for important goals while shopping consciously for necessary items. By integrating behavioral design, gamification, and machine learning, Monkee promotes financial fitness by helping users maintain a sustainable balance between saving and spending. This innovative approach not only benefits users by increasing their savings but also assists retail partners in engaging consumers effectively, resulting in significantly higher sales conversion and customer retention. Monkee aims to establish the concept of "Save now Buy Later" as a responsible alternative to traditional "Buy now Pay Later" schemes. The app was initially launched in Germany and Austria, targeting users who seek to improve their financial well-being.

Tipit develops a financial service technology that enables cashless tipping for customers. It provides direct tipping to employees' personal bank accounts. Tipit is based at Vilnius, Lithuania.

Planet42 is a company focused on enhancing access to personal vehicles for individuals who are often overlooked by traditional banking systems. It operates by purchasing second-hand cars from a network of motor dealers and offering them to customers through a subscription model. This innovative approach allows clients to rent vehicles without the need to pay the full financing cost upfront. Planet42 employs technology to assess customers' validation documents, such as identity papers and financial statements, ensuring a streamlined process that eliminates the necessity for in-person interactions. By providing affordable rent-to-buy options, Planet42 aims to facilitate financial inclusion and democratize mobility for a broader audience.

Kernolab is a fintech company that specializes in providing a platform for businesses to integrate financial features directly into their products. The services offered by Kernolab include accounts, payments, cards, loans, and insurance, all designed to be adaptable to customer needs. The company's platform focuses on enhancing user experience by being intuitive, secure, and easy to use. By embedding these financial functionalities, Kernolab enables companies to improve end-user retention and drive revenue growth while offering better fintech products tailored to their customers' requirements.

Jeff is a personalized loan broker that connects borrowers with lenders by utilizing alternative data to assess creditworthiness. Founded in 2019 and based in Riga, Latvia, Jeff aims to provide financial services to the unbanked population who lack traditional credit histories. By gathering data from various digital sources such as smartphones, social media, and geolocation, Jeff creates innovative solutions to evaluate potential borrowers’ credit profiles. The company’s platform allows users to search, compare, and secure loan offers conveniently while also offering loan-related advice. Through its unique approach, Jeff fosters access to financing and aims to establish a new standard for alternative credit scoring.

Finmap is a London-based company established in 2018 that specializes in providing cash flow management tools for small and mid-sized businesses. The company's primary focus is on helping agencies, service companies, developers, and project-based firms gain real-time visibility into their financial status, avoid cash gaps, and make informed decisions. Finmap offers an easy-to-use financial management tool that analyzes key business financials such as cash flows and profitability statements. By integrating with banks and accounting tools, the company automates financial management routines, allowing clients to set up their financial and management accounting efficiently and optimize analytical summary reports quickly.

Jeff is a personalized loan broker that connects borrowers with lenders by utilizing alternative data to assess creditworthiness. Founded in 2019 and based in Riga, Latvia, Jeff aims to provide financial services to the unbanked population who lack traditional credit histories. By gathering data from various digital sources such as smartphones, social media, and geolocation, Jeff creates innovative solutions to evaluate potential borrowers’ credit profiles. The company’s platform allows users to search, compare, and secure loan offers conveniently while also offering loan-related advice. Through its unique approach, Jeff fosters access to financing and aims to establish a new standard for alternative credit scoring.

Monkee is a financial technology company founded in Austria that offers a unique application designed to enhance personal finance and loyalty. The app encourages users to save money for important goals while shopping consciously for necessary items. By integrating behavioral design, gamification, and machine learning, Monkee promotes financial fitness by helping users maintain a sustainable balance between saving and spending. This innovative approach not only benefits users by increasing their savings but also assists retail partners in engaging consumers effectively, resulting in significantly higher sales conversion and customer retention. Monkee aims to establish the concept of "Save now Buy Later" as a responsible alternative to traditional "Buy now Pay Later" schemes. The app was initially launched in Germany and Austria, targeting users who seek to improve their financial well-being.

Kernolab is a fintech company that specializes in providing a platform for businesses to integrate financial features directly into their products. The services offered by Kernolab include accounts, payments, cards, loans, and insurance, all designed to be adaptable to customer needs. The company's platform focuses on enhancing user experience by being intuitive, secure, and easy to use. By embedding these financial functionalities, Kernolab enables companies to improve end-user retention and drive revenue growth while offering better fintech products tailored to their customers' requirements.

ForPeeps is a mobile banking application designed to consolidate various banking services into a single platform. It enables users to link multiple bank accounts, facilitating seamless money transfers, online payments, and bill splitting. This financial technology aims to simplify the banking experience by allowing users to manage their financial transactions easily and efficiently within one application.

Spenfi is a developer of an expense management platform based in Vilnius, Lithuania, founded in 2019. The company offers a comprehensive solution that integrates payment cards, expenses, subscriptions, and invoices to streamline financial processes for organizations. Its platform enables finance teams to maintain control over expenditures by tracking purchases from order to payment, managing budgets, and approving expenses. Spenfi supports the issuance of both virtual and physical payment cards, facilitating an organized approach to spending while collecting valuable data and receipts. By automating repetitive tasks and integrating with existing accounting systems, Spenfi helps businesses save time and gain insights into their financial activities.

Planet42 is a company focused on enhancing access to personal vehicles for individuals who are often overlooked by traditional banking systems. It operates by purchasing second-hand cars from a network of motor dealers and offering them to customers through a subscription model. This innovative approach allows clients to rent vehicles without the need to pay the full financing cost upfront. Planet42 employs technology to assess customers' validation documents, such as identity papers and financial statements, ensuring a streamlined process that eliminates the necessity for in-person interactions. By providing affordable rent-to-buy options, Planet42 aims to facilitate financial inclusion and democratize mobility for a broader audience.

Flipful is a company that offers an innovative solution for employees to access their earned salaries before the traditional payday, enhancing their financial flexibility. Founded in 2019, Flipful provides a platform that allows employees to receive advances on their earned wages without requiring modifications to existing payroll systems. This service aims to alleviate the financial strain on employees who may resort to borrowing from friends or family or taking out costly payday loans. By integrating seamlessly with employers' payroll processes, Flipful facilitates a straightforward way for employees to access their earned income as needed, creating mutual benefits for both employers and their workforce.

Planet42 is a company focused on enhancing access to personal vehicles for individuals who are often overlooked by traditional banking systems. It operates by purchasing second-hand cars from a network of motor dealers and offering them to customers through a subscription model. This innovative approach allows clients to rent vehicles without the need to pay the full financing cost upfront. Planet42 employs technology to assess customers' validation documents, such as identity papers and financial statements, ensuring a streamlined process that eliminates the necessity for in-person interactions. By providing affordable rent-to-buy options, Planet42 aims to facilitate financial inclusion and democratize mobility for a broader audience.

Spenfi is a developer of an expense management platform based in Vilnius, Lithuania, founded in 2019. The company offers a comprehensive solution that integrates payment cards, expenses, subscriptions, and invoices to streamline financial processes for organizations. Its platform enables finance teams to maintain control over expenditures by tracking purchases from order to payment, managing budgets, and approving expenses. Spenfi supports the issuance of both virtual and physical payment cards, facilitating an organized approach to spending while collecting valuable data and receipts. By automating repetitive tasks and integrating with existing accounting systems, Spenfi helps businesses save time and gain insights into their financial activities.