Toscafund Asset Management

CellPoint Digital is a fintech company specializing in digital commerce and payment solutions tailored for the airline, gaming, and travel industries. The company provides an omnichannel payment orchestration platform that enhances the efficiency of digital payment transactions by integrating various payment methods, including cards and alternatives. Its platform streamlines the deployment of new payment options, ensuring a unified payment experience across websites, mobile applications, and other channels. By optimizing transaction routing, CellPoint Digital aims to increase conversion rates, reduce payment costs, and deliver a seamless experience for customers.

VoxSmart Limited is a telecommunications software provider based in London, specializing in solutions for financial services companies both in the United Kingdom and internationally. Founded in 2006, the company offers VSMART, a comprehensive software solution designed to capture, record, store, transcribe, and analyze employee communications, including mobile calls, messages, and voicemails across various devices and networks. VoxSmart's technology enables firms to manage business risk and comply with regulatory requirements by transforming captured data into actionable insights regarding employee conduct and operational efficiency. With a team of experts in finance, regulation, and business analytics, VoxSmart aims to enhance clients' decision-making processes and improve their overall business operations. The company has also formed a strategic alliance with Eventus Systems, Inc. to further strengthen its offerings.

Atom Bank plc is a digital-only bank based in Durham, United Kingdom, with an additional office in London. Founded in 2013, the bank offers a range of personal and business banking products, including fixed deposits, accounts, mortgages, business loans, and secured loans. The mobile banking application, launched in March 2014, allows users to access services via smartphones and tablets, utilizing features such as face and voice recognition for secure logins. Atom Bank is committed to providing a straightforward and hassle-free banking experience, supported by a 24/7 customer service team to assist users with their needs.

VoxSmart Limited is a telecommunications software provider based in London, specializing in solutions for financial services companies both in the United Kingdom and internationally. Founded in 2006, the company offers VSMART, a comprehensive software solution designed to capture, record, store, transcribe, and analyze employee communications, including mobile calls, messages, and voicemails across various devices and networks. VoxSmart's technology enables firms to manage business risk and comply with regulatory requirements by transforming captured data into actionable insights regarding employee conduct and operational efficiency. With a team of experts in finance, regulation, and business analytics, VoxSmart aims to enhance clients' decision-making processes and improve their overall business operations. The company has also formed a strategic alliance with Eventus Systems, Inc. to further strengthen its offerings.

Atom Bank plc is a digital-only bank based in Durham, United Kingdom, with an additional office in London. Founded in 2013, the bank offers a range of personal and business banking products, including fixed deposits, accounts, mortgages, business loans, and secured loans. The mobile banking application, launched in March 2014, allows users to access services via smartphones and tablets, utilizing features such as face and voice recognition for secure logins. Atom Bank is committed to providing a straightforward and hassle-free banking experience, supported by a 24/7 customer service team to assist users with their needs.

Instanda is a London-based company that offers a no-code core insurance platform designed for insurance companies to build, configure, and launch products online. Established in 2012, Instanda's platform streamlines the complex insurance value chain by providing a digital product administration system that empowers business users to innovate, manage, and distribute insurance offerings without requiring technical expertise. The fully hosted and managed solution simplifies the process of writing and publishing insurance products, enabling businesses to enhance online sales and increase premiums efficiently.

Atom Bank plc is a digital-only bank based in Durham, United Kingdom, with an additional office in London. Founded in 2013, the bank offers a range of personal and business banking products, including fixed deposits, accounts, mortgages, business loans, and secured loans. The mobile banking application, launched in March 2014, allows users to access services via smartphones and tablets, utilizing features such as face and voice recognition for secure logins. Atom Bank is committed to providing a straightforward and hassle-free banking experience, supported by a 24/7 customer service team to assist users with their needs.

CellPoint Digital is a fintech company specializing in digital commerce and payment solutions tailored for the airline, gaming, and travel industries. The company provides an omnichannel payment orchestration platform that enhances the efficiency of digital payment transactions by integrating various payment methods, including cards and alternatives. Its platform streamlines the deployment of new payment options, ensuring a unified payment experience across websites, mobile applications, and other channels. By optimizing transaction routing, CellPoint Digital aims to increase conversion rates, reduce payment costs, and deliver a seamless experience for customers.

Sammaan Capital is a mortgage-focused non-banking financial company based in India, founded in 2000. The company specializes in providing a range of financial services, including home loans, loans for non-resident Indians, and loans against properties, all offered at competitive interest rates. Catering to both salaried and self-employed individuals, Sammaan Capital aims to facilitate quick access to funding for various purposes such as construction, renovation, and the purchase of residential properties, including apartments, flats, and bungalows. Additionally, the company extends its lending services to cooperative societies, associations, companies, builders, developers, and contractors, ensuring a diverse clientele while conducting all operations within India.

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Atom Bank plc is a digital-only bank based in Durham, United Kingdom, with an additional office in London. Founded in 2013, the bank offers a range of personal and business banking products, including fixed deposits, accounts, mortgages, business loans, and secured loans. The mobile banking application, launched in March 2014, allows users to access services via smartphones and tablets, utilizing features such as face and voice recognition for secure logins. Atom Bank is committed to providing a straightforward and hassle-free banking experience, supported by a 24/7 customer service team to assist users with their needs.

VoxSmart Limited is a telecommunications software provider based in London, specializing in solutions for financial services companies both in the United Kingdom and internationally. Founded in 2006, the company offers VSMART, a comprehensive software solution designed to capture, record, store, transcribe, and analyze employee communications, including mobile calls, messages, and voicemails across various devices and networks. VoxSmart's technology enables firms to manage business risk and comply with regulatory requirements by transforming captured data into actionable insights regarding employee conduct and operational efficiency. With a team of experts in finance, regulation, and business analytics, VoxSmart aims to enhance clients' decision-making processes and improve their overall business operations. The company has also formed a strategic alliance with Eventus Systems, Inc. to further strengthen its offerings.

Elinvar GmbH, founded in 2016 and based in Berlin, Germany, specializes in providing a comprehensive B2B2C platform designed for independent discretionary portfolio managers and private banks. The company offers a robust Platform as a Service that facilitates the digital transformation of asset and wealth management businesses. Elinvar's platform encompasses essential applications for client relationship management, online onboarding, portfolio management, and reporting, among others. Its micro-services architecture allows for adaptability to evolving technology, regulatory requirements, and user preferences. Additionally, Elinvar holds the necessary regulatory licenses, enabling its partners to leverage advanced technology while ensuring compliance. This integrated approach allows asset and wealth managers to streamline their operations, enhance client engagement, and create tailored solutions, ultimately promoting efficiency and innovation in the financial services sector.

TalkTalk is a leading telecommunications provider in the United Kingdom, offering affordable and reliable services to both consumers and businesses. Founded in 2003 as a subsidiary of Carphone Warehouse, the company is headquartered in London. TalkTalk specializes in fixed and mobile telephony, broadband services, and internet access, aiming to deliver simple and fair solutions for its customers. The company is recognized for its commitment to providing value for money in the competitive telecom market.

Lemonway is a pan-European payment institution based in Paris and Hamburg, specializing in payment processing for various marketplaces, including B2B, B2C, C2C, and alternative finance platforms. The company offers services such as wallet management, third-party payments, and anti-money laundering (AML) and customer verification (KYC) solutions. Lemonway is authorized and regulated by the ACPR and holds the "EU financial passport," allowing it to operate across 28 countries. With a client base of 400 platforms, including 200 alternative finance platforms, Lemonway has successfully opened 12 million e-wallets for platform operators. Its secured payment platform facilitates real-time cost accounting, escrow fund management, and supports multiple payment methods, including bank checks, SEPA transfers, and credit and debit cards, supplemented by advanced anti-fraud measures.

Atom Bank plc is a digital-only bank based in Durham, United Kingdom, with an additional office in London. Founded in 2013, the bank offers a range of personal and business banking products, including fixed deposits, accounts, mortgages, business loans, and secured loans. The mobile banking application, launched in March 2014, allows users to access services via smartphones and tablets, utilizing features such as face and voice recognition for secure logins. Atom Bank is committed to providing a straightforward and hassle-free banking experience, supported by a 24/7 customer service team to assist users with their needs.

Laundrapp is a leading online laundry and dry cleaning service based in the UK, primarily operating in London and extending to around 100 towns and cities. The company provides an on-demand platform that allows users to request laundry services conveniently through a mobile app or its website. By offering a quick pick-up service from customers' homes, Laundrapp eliminates the need for traditional laundrettes and dry cleaners, ensuring a hassle-free experience. Their commitment to quality cleaning has earned them a strong reputation, complemented by their free app available on both iOS and Android devices.

CellPoint Mobile, Inc. is a provider of mobile payment and integrated mobile solutions tailored for various sectors, including finance, government, retail, and transportation. Founded in 2002 and based in Coral Gables, Florida, the company offers a suite of products designed to enhance mobile engagement for businesses. Its Mobile Enterprise Framework allows enterprises to develop and manage mobile services effectively. The mPoint platform facilitates diverse mobile payment scenarios, while mRetail aids in customer engagement both in-store and online. Additionally, CellPoint Mobile provides Velocity, a mobile payment service solution for airlines, and Travel Bank mWallet, which helps airlines turn compensation events into revenue opportunities. The mTicket solution addresses the needs of mobilizing tickets and travel documentation. The company also features a Converged Payment Gateway as a SaaS solution specifically for the global airline industry, helping clients optimize revenue and improve customer satisfaction in the mobile economy. CellPoint Mobile has expanded its presence with offices in New York, Miami, Copenhagen, and London.

LIQID Investments GmbH is a Berlin-based company founded in 2015 that specializes in digital wealth management. The firm offers a platform that delivers access to individually tailored investment portfolios, strategies, and asset classes. By integrating investment expertise with technology, LIQID provides customized wealth management solutions that cater to the specific cost and investment requirements of its clients. Its services include access to private equity, real estate, and venture capital funds, making it a comprehensive provider of investment solutions for a diverse clientele.

Atom Bank plc is a digital-only bank based in Durham, United Kingdom, with an additional office in London. Founded in 2013, the bank offers a range of personal and business banking products, including fixed deposits, accounts, mortgages, business loans, and secured loans. The mobile banking application, launched in March 2014, allows users to access services via smartphones and tablets, utilizing features such as face and voice recognition for secure logins. Atom Bank is committed to providing a straightforward and hassle-free banking experience, supported by a 24/7 customer service team to assist users with their needs.

Strike is here to redefine the way you move home. After 200 years of high fees and pointless jargon, it’s time for a change. That’s why we’re changing what it means to be an estate agent. We make selling easy. And free.

OakNorth Bank plc is a digital-only commercial bank based in London, United Kingdom, founded in 2015. It specializes in providing tailored financial products and services to small and medium-sized enterprises (SMEs) that are often underserved by traditional banks. OakNorth's offerings include personal and business savings accounts, fixed-term deposits, notice accounts, fixed-rate cash ISAs, and a variety of property finance solutions. The bank focuses on bespoke debt financing to support growth businesses, including property developers, care homes, and hospitality ventures, without requiring them to relinquish equity. Utilizing a data-driven approach, OakNorth analyzes future potential rather than solely relying on historical data to assess creditworthiness. This innovative methodology has enabled the bank to lend over £10 billion, contributing significantly to job creation and affordable housing in the UK. OakNorth's commitment to being a long-term partner to its clients, especially during economic challenges like Brexit and COVID-19, has fostered a strong referral network, with a substantial portion of its new business coming from satisfied customers.

Atom Bank plc is a digital-only bank based in Durham, United Kingdom, with an additional office in London. Founded in 2013, the bank offers a range of personal and business banking products, including fixed deposits, accounts, mortgages, business loans, and secured loans. The mobile banking application, launched in March 2014, allows users to access services via smartphones and tablets, utilizing features such as face and voice recognition for secure logins. Atom Bank is committed to providing a straightforward and hassle-free banking experience, supported by a 24/7 customer service team to assist users with their needs.

Atom Bank plc is a digital-only bank based in Durham, United Kingdom, with an additional office in London. Founded in 2013, the bank offers a range of personal and business banking products, including fixed deposits, accounts, mortgages, business loans, and secured loans. The mobile banking application, launched in March 2014, allows users to access services via smartphones and tablets, utilizing features such as face and voice recognition for secure logins. Atom Bank is committed to providing a straightforward and hassle-free banking experience, supported by a 24/7 customer service team to assist users with their needs.

Akazoo S.A. is an on-demand music and audio streaming company that offers subscribers unlimited access to a catalog of approximately 45 million songs without advertisements. Founded in 2010 and based in Luxembourg, the company utilizes patented artificial intelligence technology to enhance music recommendations for its users. Akazoo provides both online and offline listening options through its mobile application, which is designed to function across various emerging mobile devices and networks, including 2G to 4G LTE. The service also includes a free, ad-supported radio feature with around 80,000 stations, operating separately from its subscription model. Akazoo focuses on serving emerging markets and has expanded its services across more than 25 countries.

Aldermore Bank is a UK-based commercial bank established in 2009, specializing in providing straightforward financial products and services primarily to small and medium-sized enterprises (SMEs), homeowners, landlords, and individual clients. The bank focuses on four main lending areas: asset finance, invoice finance, SME commercial mortgages, and residential mortgages. It serves a diverse range of sectors, including automotive, logistics, media, construction, and manufacturing, among others. By offering tailored financial solutions, Aldermore Bank aims to meet the specific needs of its clients, thereby facilitating their growth and financial stability.

SpinVox is a pioneering company in the voice-to-text conversion industry, established in 2005 with its patented Voice Message Conversion System. The company specializes in transforming voicemails into text messages for both landline and mobile users. Subscribers to SpinVox can receive their incoming voicemails as text messages directly to their mobile phones or email inboxes. To enhance its offerings, SpinVox has introduced additional features such as the SpinVox Blog, allowing users to dictate blog posts via phone, and the Memo service for sending self-transcribed reminders. Furthermore, users can send spoken text messages, update social media, and communicate with groups using recipient lists. Notably, SpinVox stands out as the only voicemail-to-text service available in six languages, including English, French, Spanish, German, Portuguese, and Italian, positioning itself competitively in a market that includes other service providers.