Startup Challenge 2015

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Startup Challenge 2015

London • 22 April

New York • 18 June

Cape Town • 6 May

Singapore • 28 May

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Innotribe Startup Challenge 2015

Welcome!The reality of wholesale banking today is complex and financial institutions need to constantly innovate in response to rapidly changing external conditions. Over the last few years, banks have become increasingly open to innovation, working with startups and launching many captive funds. This is where SWIFT Innotribe, an initiative aimed at providing insights on innovation, comes into play.

The Startup Challenge

The Startup Challenge is a year-round programme featuring regional showcases across the globe. These showcases represent a unique platform for discussion, debate, and high-level networking for the financial community, and are a great opportunity for startups to meet face to face with potential investors, partners and customers. The programme culminates at Sibos, the world’s premier financial services event, which gives finalists the unique opportunity to convince the financial industry at large to take their innovation to the next level.

2015 programme

This year, over 500 judges from across financial, technology, and investment communities evaluated 370 applications. They assessed the startups’ ability to provide an important innovation in the future of the financial industry and narrowed candidates down to 60 semi-finalists who will now pitch their business ideas in London, Cape Town, Singapore, and New York. The 20 most innovative companies nominated during the showcases will compete in the Finale, taking place at Sibos on 14 October, in Singapore.

We look forward to working together with these startups over the next few months to hone their ideas and convert their inspiration into concrete pitches ready for investment or partnership, from an industry hungry for innovation!

“Every year the bar gets higher with many impressive applications from startups coming from across the globe. It is great to see this community

using Innotribe as a platform of choice, and allows us to provide them with even greater opportunities

to connect with the financial industry.”

Fabian VandenreydtHead of Markets Management, Innotribe and the SWIFT Institute

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GlobalInnovation areas

Lending

Big Data

CorporateBusinessServices

InvestmentManagement

e-Commerce

FinancialEducation

Forex

Messaging

ComplianceBack-Officeoperations

Security

Settlement

ReferenceData

Tradefinance

Liquidity

Payments

New banks

Personal(Financial)

Management

This diagram represents the different areas of innovation identified during the 2015 Innotribe Startup Challenge application process, and their interconnections.

World map2015 Semi-finalists overview

Innotribe Startup Challenge 2015 Innotribe Startup Challenge 2015

Btc.sxEllipticEquidamET IndexMadfoo3atComModelogiqMoni TechnologiesMuumeOfficeRankPariti TechnologiesRevolutSediciiSwish PaymentsToruswarexWare42

22 April

London2QuinsBitFinanceBristlecone HoldingsCreditableEx Nihilo LabsIntelworldKulea ConsultingLulaLendMyDigiVaultNotafySafePersona ServicesScanManYueDiligenceZAQ

6 May

Cape TownABA TechnologyAdviceGamesBitsparkCASHBOARDCoda PaymentsCoinSimpleGatecoinGo Beyond InvestinggoSwiffGuardSquareJewel PaymentechMonexoQuantifeedRoburTrusting Social

28 May

SingaporeCAAAPITALCrowdTransfereMoneyPoolHyperLendingStarPayCargoPayPeoplePayfirmaPendo SystemsShift PaymentsSizeUpTokenUCXWoraPayXenditYantra

18 June

New York

The size of the pin indicates the concentration of startups in the country.

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22 AprilLondon

2015

Early-stageFounded in 2013 • HQ Netherlandshttp://www.equidam.com • @equidamtweetsGianluca Valentini, Co-Founder and Managing Director • [email protected]

Short descriptionData-enabled platform for the valuation of private companies

Key metrics• # Employees: 12• # Customers: 22,00• Present in 20 countries

Product presentedEquidam

Competitorsbizequity.com

Equidam

Executive summaryEquidam is a data-enabled technology that helps entrepreneurs as well as professionals to objectively estimate the market value of small businesses. Our system is based on constant data gathering and peer-group benchmarking and offers the most accurate and objective way to estimate the real-time price of small companies, leaving out all the bias and subjectivity of spreadsheets. For CEOs and CFOs, the Equidam platform comes as a handy solution to understand the business value, disclose it and plan the future, at a fraction, even decimal of cost for traditional valuation services.

Product descriptionWe created Equidam with the intent to leverage external and self-generated data to offer a reliable and objective system to estimate the value of a small company. Valuation is calculated by means of peer benchmarking of qualitative and financial information, along with metrics on the status of the economy, giving a comprehensive analysis of the company and its value drivers. Being a fully automated technology based on widely-accepted valuation methodologies, Equidam is a third-party estimate that helps to offset information asymmetry for both the buy and the sell side.

Early-stage Founded in 2013 • HQ United Kingdomhttps://btc.sx • @BTCsxJoseph Lee, Founder and CEO • [email protected] Kwan, COO • [email protected]

Short descriptionBitcoin Financial Services

Key metrics• # Employees: 6

Product presentedMagna

CompetitorsIG Index, Paypal, Google Wallet

Btc.sx

Executive summaryBtc.sx is a trading platform that allows holders of Bitcoin to place long and short positions out to market. The startup grew rapidly from its launch in 2013 due to significant early traction. It has gained a trusted reputation as the easiest and safest place to trade Bitcoin. Being a Bitcoin only business enabled BTC.sx to reach a growing global customer base from day one helping it become cash flow positive within two months of launch. The team seeks to build upon its early success and solidify its position by offering more Bitcoin Financial Services products to its line-up.

Product descriptionMagna, BTC.sx’s second financial product, aims to provide the Bitcoin ecosystem with the world’s first Interest Bearing Bitcoin Savings Accounts. With Bitcoin adoption steadily growing and mainstream use-cases increasing, a truly global currency with a unique value proposition is emerging. In a world where the finance industry is biased towards developed nations, Bitcoin breaks down borders and enables financial services to exist to anyone with a smartphone. Our vision is to enable financial services equality globally to Millennials continually seeking out new ways to manage their digital money.


Investment Management Messaging New Banks Investment ManagementCorporate Business ServicesBig Data

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Early-stageFounded in 2012 • HQ Germanyhttp://www.modelogiq.com • @modelogiqMatthias Bader, Founder and CEO • [email protected] Liz Dewhurst, Business Development and Co-founder • [email protected]

modelogiqfinancial modelling reinvented

Short descriptionIntelligent automation of financial modelling

Key metrics• # Employees: 15• # Customers: 1• Present in 4 countries

Product presentedmodelogiq suite

modelogiq

Executive summarymodelogiq is a young Frankfurt based company, founded by a team of finance professionals and technologists. We are intelligently automating financial modelling to make decision-making processes of investors, banks and businesses more efficient while minimising financial risks. Today, using Excel is the only, and possibly the worst, way to create, edit and review financial models to support decision making the financial aspects of which are significant. Our solution is entirely software-based, uses innovative algorithms and includes considerable financial knowledge.

Product descriptionThe modelogiq suite is an online platform for investors, banks and companies to create, edit and review financial models. It can be used on all major browsers and is optimised for tablets. The platform uses powerful proprietary modelling algorithms for the automation of large parts of the modelling workflow, underpinned by extensive in-built financial knowledge. The platform includes tools for the creation and testing of financial models, for the import and export of financial data from Excel, as well as for the preparation of reports.

Early-stageFounded in 2014 • HQ United Kingdomhttp://etindex.com • @thecarbonkidSam Gill, CEO • [email protected] Hoeg, COO • [email protected] Tejani, CTO • [email protected]

Short descriptionHelping investors manage carbon risk


Product presentedET Index Series

CompetitorsSouth Pole Carbon, Trucost, CDP, Bloomberg, MSCI, Camradata, S&P, FTSE, Corporate Knights

ET Index

Executive summaryET Index provides investors with a platform to understand and manage carbon risk. This platform offers: Carbon data on the world’s largest companies and the world’s only public carbon-ranking; Portfolio carbon-footprinting which shows the carbon exposure and risk associated with any investor portfolio; Low-carbon indices offering investors a mainstream index-tracking solution that reduces carbon exposure and therefore carbon risk from increasing regulation to limit climate change.

Product descriptionThe Environmental Tracking Low-Carbon Index Series provides a ‘free option’ on carbon risk. While the introduction of significant limits on carbon emissions is postponed, the ET Index Series achieves the same returns as the benchmark index. Yet, with increasing limits and pricing on carbon emissions, the ET Low-Carbon Index Series will outperform the benchmark.


Investment ManagementCorporate Business ServicesBig DataBig Data Investment Management

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Early-stageFounded in 2014 • HQ United Kingdomhttp://www.getmoni.com • @monimobileLaurence Aderemi, CEO • [email protected]

Short descriptionMoni is a low cost, simple and convenient way to send money to anyone with a mobile device - anywhere in the world!

Key metrics• # Employees: 15• # Customers: 1,253• Present in 1 country

Product presentedMoni - The Money Transfer App

CompetitorsWestern Union, MoneyGram

Moni Technologies

Executive summaryMoni is a company born out of not only personal necessity but out of necessity of the millions of immigrants in the UK and Europe, including Laurence our CEO. Its purpose is to simplify the process of person to personal remittance globally, reducing the cost of money transfers extensively and making the act of sending money accessible from both a financial and technological standpoint. Moni’s app enables users to send money home using just a few taps on their mobile phone. Costing only 99p per transfer no matter what amount, Moni has built a platform that allows for fast and secure money transfers globally.

Product descriptionMoni is a native iOS and Android app that allows you to pick recipients from your address book and send them money within just a few taps. The key feature in Moni’s app, which sets it miles apart from any competitors, is the ability to send money to anyone without knowing their bank details. You select their phone number from the address book, type in the amount, and press send. And you’re done. The app allows you to send also directly to anyone’s bank account and also to Mobile Wallets in most parts of Africa.

Payments

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ARC is a unique event, creating a collaborative space where the African financial industry can share experiences and look for solutions to common challenges. Bringing the Innotribe Startup Challenge to the African community is an exciting step, meaning SWIFT Innotribe can help to support and nurture the new technologies that are going to play a big role in the future of the financial industry across the continent.

SWIFT African Regional ConferenceCape Town, 5-7 May 2015

Africa. Seizing the opportunity.

#ARC2015 – www.swift.com


Early-stageFounded in 2014 • HQ United Kingdomhttps://pariti.co.uk • @pariti_financeMatthew Ford, CEO • [email protected]

Short descriptionHelping people access fairer credit

Key metrics• # Employees: 5• Present in 1 country

Product presentedPariti

CompetitorsExperian, Kreditech, ReadyforZero, Squirrel, Credit unions, LendUp

Pariti Technologies

Executive summaryPariti is a new fairer type of finance company, which helps people avoid high-interest debt, access fairer rates of credit and build a more secure financial future. We offer tools, guidance and access to low cost loans to help people pay down debt, save money and increase their financial knowledge. By linking their credit cards and loans to the service, our technology helps notify people before they fall into difficulty, incentivises ongoing improvements in financial health, and provides them low-cost innovative financial products.

Product descriptionPariti puts people back in control of their finances. Users can track all their finances to see exactly how much they can spend, where they can save and the cost of servicing their debt. Our debt repayment tools help plan, optimise and prioritise repayments to become debt free sooner and save on interest charges. Users then build their ‘Pariti score’ by completing challenges, such as gamified financial education courses, setting budgets and achieving financial goals. As users increase their Pariti score, they unlock access to rewards and lower cost loans.

Big Data Financial Education

Early-stageFounded in 2013 • HQ Netherlandshttp://www.officerank.com • @OfficeRankTeun van den Dries, Founder • [email protected] van Haalen, Business Development Manager • [email protected]

Short descriptionReal Estate Meets Big Data


Product presentedOfficeRank

OfficeRank

Executive summaryWe offer independent real estate intelligence. Our data platform links every individual building in a country with smart tools to facilitate decision making and to assess risk and market potential. Our OfficeRank™ ranking system offers detailed insight into real estate quality and drives a model valuation tool that uses machine learning to predict current market value.We offer the most comprehensive, relevant and accurate real estate data in the world, combined with the tools to transform that data into information and insight.

Product descriptionWe collect, verify and structure data streams for every building in your country. Since there is no opt-in or opt-out, we cover the entire market. Buildings are ranked using our OfficeRank score: an objective analysis that assesses the quality of the asset, its location and the market covering 50 criteria per building. This allows for detailed analysis and comparisons of individual buildings, as well as for portfolios or areas. Historic data and trend analysis drive forecasts on quality and value, leading to better assessments on risk and market potential.

Investment ManagementBig Data Personal (Financial) Management

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Early-stageFounded in 2013 • HQ Irelandhttp://www.sedicii.com • @GBRSediciiRob Leslie, CEO • [email protected] Coady, Commercial Director • [email protected]

Short descriptionProving identity without compromising privacy


Product presentedUnity

CompetitorsOkta, OneID, OneLogin, RSA, Symantec, Certivox

Sedicii

Executive summarySedicii has developed and patented a technology based on the Zero Knowledge Proof Protocol that eliminates the transmission, storage and exposure of private user data during authentication or identity verification. This reduces identity theft, impersonation and any resulting fraud. Sedicii adheres to the “Right To Be Forgotten” privacy regulation and enables users to continue to consume digital services without having to expose their private data while still proving they are who they say they are. In essence, they can reclaim their identity and regain control over how it is consumed by others.

Product descriptionThe need to manage customer authentication and their identity data has become ever more challenging. Convenience with security and privacy is the goal. Sedicii’s Unity is a two factor authentication service that uses a password, or a biometric, combined with your phone where the credential is never exposed. This means you only need one. One password, one biometric, your phone to access everything. It allows authentication or approval for anything - a network, web service, contact center, credit card payment, expense claim, purchase approval - without ever exposing the private credential anywhere.

New Banks Security

Early-stageFounded in 2014 • HQ United Kingdomhttp://revolut.com • @RevolutAppNikolay Storonsky, Founder • [email protected]

Short descriptionPersonal Money Cloud

Key metrics• # Employees: 8• # Customers: 5,600 (private beta)• Present in 6 countries

Product presentedRevolut

CompetitorsMoneyCorp, Travelex, FairFX

Revolut

Executive summaryRevolut disrupts the financial industry by providing customers with the value they won’t find anywhere else - the personal money cloud. It allows you to exchange currencies at interbank rates, send them through social networks, and spend with multi-currency card accepted anywhere.

Product descriptionRevolut allows you to exchange currencies at interbank rates, send them through social networks, and spend with multi-currency card accepted anywhere. All is done with the touch of button, through beautiful mobile application. Our goal is to completely remove all hidden banking costs. Whenever you spend money on your banking card or send money in different currency, you are hit by expensive banking charges hidden in exchange rates.

Payments

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Early-stageFounded in 2013 • HQ Spainhttp://www.torusware.com • @toruswareGuillermo Lopez, CEO • [email protected] Daniel Fernandez, CTO • [email protected] J. Varela, Chairman • [email protected] Crego, CFO • [email protected] Tourino, Co-Founder and R&D • [email protected] Doallo, Co-Founder and R&D • [email protected]

Torusware

Short descriptionAccelerating the data world


Product presentedSpeedups

Competitors29West, Tibco

Executive summaryTorusware wants to be the world leader in optimisation and acceleration software for LAN and intra-server bus communications, for both on premise and cloud applications. Torusware technology is non-intrusive (no changes in hw/sw are required). Torusware bridges the gap between hardware capacity and applications performance, allowing companies and institutions to remove the current limitations in data processing by increasing the speed of communications, obtaining high yields of computing, and reducing the operating cost of IT infrastructure.

Product descriptionSpeedups is Torusware flagship product which provides record communication latency (sub 200 nanoseconds). Speedups has demonstrated (a) up to 95% latency reduction in trading applications, (b) reducing by 200 microseconds a trading application operating in a European Exchange, (c) reducing by 75% the response time of a Big Data application.

Big Data Forex Messaging

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The number 1 fi nancial centre in the Eurozone (GFCI index – September 2014)

A premier wealth management centre

for international clients in the Eurozone

The largest investment fund centre in Europe and the second largest worldwide

The third largest domicile for Islamic funds

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sukuk

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The largest European centre for international renminbi business


Growth-stageFounded in 2011 • HQ Jordanhttp://www.madfoo3at.com • @madfoo3atcomNasser Saleh, CEO and Founder • [email protected]

Short descriptionElectronic bill presentment and payment service (EBPPS)

Key metrics• # Employees: 30+• # Customers: 40 • Present in 1 country

Product presentedEBPPS

CompetitorsFawry

Madfoo3atCom

Executive summaryCash payments dominate the MENA region (more than 90%) with more than 300 billion USD yearly payments; this is a real problem that wastes time, money, and efforts for consumers and merchants; so Madfoo3atCom provides customers with an online bill presentment and payment service (EBPPS) 24/7 using banks’ and payment service providers’ e-channels. In 2014, we won the exclusive tender of the central bank of Jordan to build and operate the EBPPS nation-wide in Jordan connecting most banks and billers (telecoms, utilities, government, education…), with plans to expand to MENA, Africa and Europe.

Product descriptionOur B2B electronic bill presentment and payment service (EBPPS) connects banks and payment service providers online, real time with billers and merchants providing end customers with seamless e-payments experience.Brief flow: after receiving the billing information from its subscribed billers using push or pull online services, we make these bills available to the banks’ customers who can then inquire and make the payments through different delivery channels online real time 24/7 (e-banking, ATM, Mobile …) then updates biller’s records accordingly with an automated straight-through process.

Growth-stageFounded in 2013 • HQ United Kingdomhttps://www.elliptic.co • @ellipticKevin Beardsley, Head of Business Development • [email protected]

Short descriptionCustodian for blockchain assets

Key metrics• # Employees: 8• # Customers: 10 • Present in 1 country

Product presentedElliptic

CompetitorsXapo, Bitgo, Gem

Elliptic

Executive summaryBitcoin’s underlying technology, the blockchain, will be used to securely and transparently transfer and manage a range of financial assets. Elliptic is a custodian bank for these assets, including bitcoin. All of our internal processes have been accredited by KPMG to the same standard as a traditional custodian bank and all of our customers’ blockchain assets are fully insured by a Fortune 100 insurance company. We are already the trusted custodian for publicly listed firms representing more than $3BN in market capitalisation.

Product description1. Elliptic Vault - the world’s most secure bitcoin custody service. Elliptic is the only bitcoin custodian to obtain international accreditation from KPMG, and the first to be comprehensively insured. 2. AML diligence. Elliptic has developed the most robust anti-money laundering (AML) technology for the blockchain. The lack of AML diligence is a critical barrier to entry for mainstream financial institutions. 3. Exchange integration. We’ve partnered with international exchanges to provide direct access for our institutional client base, providing seamless clearing and settlement services.

New Banks Security Settlement Corporate Business Services Payments Settlement

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Growth-stageFounded in 2013 • HQ Switzerlandhttp://www.muume.com • @muume_paymentDaniel Gradenegger, Co-Founder and Head of Sales and Business Development • [email protected] Nick Mirza, Sales Manager • [email protected]

Short descriptionMuume is a mobile payment and commerce solution


Product presentedMuume

CompetitorsYapital, CurrentC, eBay/Paypal, Amazon, Skrill, Pingit, Zapp, Paym

Muume

Executive summaryMuume is a new way of providing Mobile Social Commerce including Payment; it brings convenience and new ways to shop, order, pay and consume. Services include loyalty, m-malls, merchant POS & MPOS. Muume is an end-to-end digital solution that covers all access technologies such as QR, BLE & SMS and provides easy and intuitive ways to pay including p2p; it creates payment channels across the online and offline worlds. It is secure, fast and fun! Muume boosts merchant revenues whilst simultaneously cutting operational costs. We are running a live pilot in Zurich with UBS and over 20 merchants.

Product descriptionMuume is a cloud-based digital wallet powered by in-house developed back-end processing system and mobile application. API´s enable partners to access the wallet, manage content, and embed Muume as a payment method. Wallets can be loaded from the consumer’s bank account, cards or vouchers; it is multi-currency. Consumers can pay in dozens of different ways, for example p2p, using our NFC MPOS, scanning a merchant´s QR code or instantly creating a QR code of a complete basket of goods. We provide loyalty, gamification and m-shops that can be easily created and shared with friends and customers.

e-Commerce Payments

Growth-stageFounded in 2012 • HQ Maltahttp://www.swishme.com • @SwishPayStephen Grech, CEO • [email protected]

Short descriptionEnd-to-end Mobile Commerce Platform

Key metrics• # Employees: 28• Present in 5 countries

Product presentedSwish Payments

CompetitorsiZettle, Payleven, SumUp, Paypal, Square

Swish Payments

Executive summarySwish offers an end-to-end mobile commerce platform to Banks, Payment Service Providers, Telecommunication Companies and others looking to deploy a fully certified, branded mobile payment platform in record time. We partner with these companies to help them defend their existing merchant service business and grow their market share. The types of businesses, which benefit from the Swish mPOS solution, cover the entire business spectrum, from Micro-merchants and SMBs to large Enterprises.

Product descriptionThe Swish mPOS solution consists of a range of card readers, mobile applications, API’s, embedded payment modules, a full-featured payment gateway complete with fraud screening, and web portals, all of which are easily brandable and customisable for rapid market deployment. Swish’s range of secure card readers includes EMV Chip-and-PIN or Chip-and-Signature, both with integrated magnetic stripe reader, as well as Magstripe-only devices.

Corporate Business Services e-Commerce PaymentsPersonal (Financial) Management

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Growth-stageFounded in 2011 • HQ Germanyhttp://www.xWare42.com • @xWare42David Lais, CEO • [email protected]

Short descriptionSmarter financial transactions through data enrichment


Product presentedxPay

CompetitorsYodlee Interactive, Plaid

xWare42

Executive summaryxWare42 is a software developer whose core product, xPay, allows banks to give customers additional information about their purchases. For instance, payment details on a bank statement can be enriched by adding information such as receipts, addresses, opening hours, service numbers and other details about the retailers. This gives customers a more helpful picture of their purchases while allowing banks and partner retailers to offer personalised discounts and encourage further transactions.

Product descriptionWhen financial transaction protocols were first designed decades ago, they had to be very simple due to the limited computational power of mainframe infrastructures. As a result, transactions often appear on customers’ account statements in a rather “cryptical” way today. We believe that information is key, and now it’s time to make transaction contents more intuitive for everyone. xWare42 has developed a technology that allows to make use of the web and a much greater range of data sources for transaction enrichment than has ever been possible before.


Personal Financial ManagementBig Data New Banks Payments

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Europe’s largest accelerator space for finance, retail, cyber-security and future cities technologies is now two years old. Read more in our

special ‘Two Years On’ magazine at http://bit.ly/1Gwb1MY

square feet of space now operated by Level39 at Canary Wharf.

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168

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6 MayCape Town

2015


Early-stageFounded in 2013 • HQ United Kingdomhttp://www.creditable.co • @creditablecoSechaba Ngwenya, Founding CEO • [email protected]

creditableTM

Short descriptionOnline employee financial wellness

Key metrics• # Employees: 7• # Customers: 7• Present in 1 country

Product presentedCreditable

CompetitorsEmerge, Hello Wallet, Squirel

Creditable

Executive summaryWe enable caring employers to easily manage financial wellness for their employees by enabling them to administer payroll deduction services and products such as loans and savings products. The products can be completely funded in-house or can be funded by a 3rd party financial institution.

Product descriptionWe allow companies to offer loans and savings products to their staff. These loans and savings products are paired with a user-friendly PFM that texts and educates the staff member letting them know the true nature of their financial wellbeing or standing and possibly ways to remedy and stay on track.

Early-stageFounded in 2014 • HQ Zimbabwehttp://www.bitfinance.co.zw • @BitguardianTawanda Kembo, Lead Developer • [email protected] Mabika, Project Manager • [email protected] Maguze, Corporate Comms Executive • [email protected]

Short descriptionUnlocking Last-Mile Bitcoin Solutions


Product presentedThe Crypto-Counter

CompetitorsWestern Union/Moneygram, Bitcoin ATM Manufacturers, Robocoin, Project Skyhook, Lammasu

BitFinance

Executive summaryBitFinance is a bitcoin Value Matrix business start-up specialising in the development of solutions in trading bitcoins. Anchoring the company’s model is the BitCoin Exchange, a linchpin platform holding together (i) a BitCoin trader’s haven, for buying and selling bitcoins, (ii) a remittance service fully integrated with our (iii) Prototype hybrid Crypto-Counter, a smart multi-functional Bitcoin Automated Teller Machine (ATM). Our services connect individuals, corporates in fully unlocking bitcoin value. Ultimately, our company has one focus: building last mile Bitcoin products and services.

Product descriptionThe Crypto-Counter (CC), being developed by BitFinance represents the next generation smart device with ATMs capability as an entry-level function. The CC will feature full touch user interface powered by a capability of being user software and hardware customisable. Technically the hybrid CC will feature removable accessories and can run software applications from the Crypto-Counter app store, placing the CC at starting point of an infinite loop of innovation in bitcoin trade. The CC’s compact design allows for easy integration with add-on hardware features.

e-Commerce Forex New Banks Financial Education Lending Personal (Financial) Management

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Early-stageFounded in 2014 • HQ South Africa http://www.exnihilolabs.com • @NihiloLab Kudzai Kutukwa, Co-Founder and CEO • [email protected] Julian Kanjere, Co-Founder and CTO • [email protected]

ex-nihilo labs

Short descriptionSmall business payments service


Product presentedStaxx

CompetitorsPaypal, Visa, Mastercard

Ex Nihilo Labs

Executive summaryWith the internet now being the driver of everything from our social activities to finance, our current archaic financial infrastructure hasn’t kept up with the tremendous changes. Ex Nihilo Labs is a mobile financial technology firm focused on making financial transactions simple, fast and cheap. We are part of a movement that seeks to give everyone equal access to the mainstream economy from the palm of their hands.

Product descriptionStaxx is a payments service for SMEs that will enable them to transact, around the world, in real time at a fraction of the cost. Due to the fact that it’s built on top of the Ripple protocol, transaction costs and delays associated with the payments under the current regime will disappear.

Early-stageFounded in 2014 • HQ South Africahttp://www.mydigivault.netMalcolm Mooi, Founder and CEO • [email protected] Gabriels, Operations and Head of Growth • [email protected]

Short descriptionProtecting and Preserving your Legacy


Product presentedmydigivault.net

CompetitorsEverplan, Aftersteps, Afternote, Secure Safe, Capsoole

MyDigiVault

Executive summaryWe live in a digital age, where people have a growing footprint of online properties. Traditional paper-based wills become obsolete as quickly as they are created and seldom cater for both the physical and digital assets in the event of a death, leaving loved ones burdened with wrapping up the estate. Some of the other challenges arising in matters of life and legacy include identity theft; the number of people that are underinsured; the number and value of unclaimed policies; the negative perception of financial planners and the lack of estate planning.

Product descriptionmydigivault.net is a digital legacy management solution that protects and preserves a person’s physical and digital assets. The solution provides peace of mind in times of need by allowing people to organise and securely store and share important personal, financial, legal and health information, all in one place. The platform is modular, rich in functionality and intuitive in its design; it creates value by connecting and facilitating interactions between end users and key stakeholders, educating and providing end users with better insight to plan accordingly.

Big Data Back-Office Operations Security Payments

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Early-stageFounded in 2013 • HQ Ugandahttp://www.intelworld.co.ug • @intelworldintAllan Rwakatungu, CEO • [email protected] Nkurunungi, Customer Development • [email protected] Legesi, Business Development • [email protected]

Short descriptionWe develop mobile commerce solutions


Product presentedIntelworld

CompetitorsCellulant, Yo, Pesapal

Intelworld

Executive summary2.5 billion people in the world do not have bank accounts. Further 95% of transactions (B2B) in the developing world are cash which is very inefficient both for the consumer and the businesses. However, 70% of adults have access to mobile devices and networks. Our business builds systems that allow our customers to transact with their clients using mobile devices. These could be feature phones, smartphones, point of sale and several payment providers including mobile money wallets, banks, cards and other wallets.

Product descriptionA payment and commerce ecosystem that can be used by all types of businesses, from big corporations to start-ups to transact with their customers using mobile devices. We offer full service integration for large enterprises or an API layer to allow self-integration. We also have an agency product that allows informal business collect mobile payment and sell electronic products.

Corporate Business Services Payments

Early-stageFounded in 2014 • HQ South Africahttp://kulea.co.za • @saat021 Saat Abrahams • [email protected]

Short descriptionBusiness Development Specialists


Product presentedMoola1-2-3

Kulea Consulting

Executive summaryMoola1-2-3 is an early stage/concept mobile app. Kulea Consulting is a specialist business consultancy; we manage “Commercialisation of Idea” programs. Forge Technologies is our technical partner.The Moola1-2-3 app is an interactive and transparent mobile app offering users a funding roadmap based on their profile. Linking users with funders, it also provides information on available funding solutions on a monthly basis.

Requirements:• Development of the final product• Marketing costs for the launch• Operating costs for 12 months

Through mobile technology we hope to reach the broader SME market.

Product descriptionMoola1-2-3 is an interactive, easy-to-use and real-time mobile app. Through a self-assessment process users are offered a bespoke funding roadmap. They are linked to funders covering government, corporates, development agencies and traditional bankers. Financial Support include both financial and non-financial options. Users register their details to receive monthly free updates on funding.

Corporate Business Services Financial Education Trade Finance

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Early-stageFounded in 2014 • HQ South Africa http://www.lulalend.co.zaTrevor Gosling, Co-Founder and CEO • [email protected] Welman, Co-Founder and CTO • [email protected]

Short descriptionOnline provider of short-term business loans


Product presentedLulaLend Working Capital Facility

LulaLend

Executive summaryLulaLend is an online provider of short-term business financing for small and medium enterprises. Through technological development and automation of the application process, we are able to say “Yes!” more often and faster than traditional lenders. Through LulaLend, applying for a loan is quick, simple and can all be done online. Using electronic data, decisions are largely automated and funding can be supplied within 24 hours.

Product descriptionShort-term, working capital funding with flexible repayment terms.

Payments

Early-stageFounded in 2013 • HQ South Africahttp://www.notafy.net • @NotafyAndrew Cook, CEO • [email protected] Burns, Technical Director • [email protected]

Short descriptionControl your mobile brand notifications


Product presentedNotafy

CompetitorsLuminet World, D6 Corporate Communicator, Zing360

Notafy

Executive summaryNotafy was created to reduce the cost of business to consumer (and application to person) mobile messaging by replacing SMS communication with instant messaging technology - think WhatsApp for business. When you transact with a financial institution you will typically receive a notification of that transaction via SMS. These SMS notifications cost organisations millions annually and Notafy is looking to reduce that cost by replacing the cost-per-message model with a cost-per-subscriber model allowing organisations to send as many messages as they need without being charged for each message.

Product descriptionNotafy is an app that is set to replace A2P SMS messaging (currently a $70b industry). It allows a company to push messages to their consumer’s mobile phones via instant message (IM) instead of costly SMS. A consumer receives a request from a company to install their Notafy Subscription, the company’s dedicated inbox appears in the consumers Notafy app. All mobile messages the company sends are delivered via IM to the Notafy app. Notafy intelligently identifies customers that do not have Notafy on their phones and defaults their messages to SMS, ensuring all mobile messages reach their target.

MessagingBig Data Lending

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Early-stageFounded in 2012 • HQ Nigeria http://www.safepersona.com • @safepersonaChimezie Ukah, CEO • [email protected]

Short descriptionDesign Thinking and Consultancy Firm


Product presentedPayPersona Messaging

SafePersona Services

Executive summarySafePersona Services is an innovation and design firm that helps establishments innovate and grow. We achieve this by matching people’s needs with what is technologically feasible and viable.

Product descriptionPayPersona is a payment messaging service designed for financial institute customers to allow them to send a message of intent to transact to their financial institutes and to each other in order to facilitate transaction within the secured environment of their respective financial institute. This would enable financial accounts to be referenced using an email styled ID within a closed messaging network (PayPersona messaging network).

Corporate Business Services Messaging

Early-stageFounded in 2014 • HQ South Africa http://www.yuediligence.com • @YueDiligenceVasilios Kottas Bonel, COO • [email protected] van Zyl, CEO • [email protected]

ue DiligenceSelf - Assessment Due Diligence Tool

Short descriptionYueDiligence is an actionable, light-touch due diligence tool for entrepreneurs, investors and service providers to assess gaps in key business disciplines to advance partnerships and fundraising preparation


Product presentedYueDiligence

Competitorsenloop, EquityNet, LivePlan

YueDiligence

Executive summaryYueDiligence enhances investment monitoring, benchmarking and business traction via a knowledge-driven proprietary SaaS toolset. Entrepreneurs can assess their business; funding readiness; growth gaps and due diligence preparedness. Using financial projections, the tool also makes use of proven valuation methods to provide a valuation range, allowing for sensitivity analyses. YueDiligence operates as a post-interest but pre-due diligence deal flow manager, and a platform for pre-investment information exchange between entrepreneurs and investors.

Product descriptionYueDiligence is an actionable, light-touch due diligence tool for entrepreneurs, investors, and service providers to assess gaps in key business disciplines to advance partnerships and fundraising preparation. The tool consists of a 2-hour questionnaire of +-320 questions completed by entrepreneurs in the areas of: Financial Management, Operations, Sales, Marketing, ESG, Due Diligence Checklist, HR, Soft Skills, Technical, Intellectual Property, Legal, Strategy, and Company Valuation. Technological innovation combines with design elements to present complex information in a user-friendly fashion.

Big Data Compliance Investment Management

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Growth-stageFounded in 2013 • HQ United Stateshttp://www.bristleconeholdings.com • @bristleconeholdDusty Wunderlich, CEO • [email protected]

Short descriptionEmpowering consumers with innovative financial technologies


Product presentedBristlecone Holdings: WAGS Lending, I Do Lending, Bristlecone Lending, Double Bar Lending and One Road Lending

Bristlecone Holdings

Executive summaryBristlecone Holdings is committed to changing the world of financial services for the better. Our mission is to democratise the world of finance. We are unafraid of challenging a deeply entrenched and increasingly irrelevant status quo. Consumers of credit products deserve greater functionality and more personalised service, particularly those in niche markets who are under-banked or ignored by traditional lending providers. Bristlecone leverages its proprietary financial technologies, big data analytics and algorithmic decision-making to empower consumers with new tools to better their lives.

Product descriptionNiche market, non-conventional consumer lending, powered by algorithmic decision-making based on big data and advanced analytics.

Growth-stageFounded in 2010 • HQ South Africahttp://www.2quins.co.zaPeter Fallows CA (NZ), Director • [email protected] Hamman CA (SA), Director • [email protected] da Costa, Technology Consultant • [email protected]

Short descriptionHosted Real-Time Financial Information Service


Product presentedGreen Model®

2Quins

Executive summaryGreen Model assists company stakeholders make informed decisions by supporting processes in reporting, control, risk and compliance with trusted information (both financial and non-financial) through a hosted information solution that has been engineered from the ground up to be real time, repeatable, robust and flexible to the needs of the financial services sector by a team of skilled experts that have blended a mastery of finance, business and technology into a world class solution. We do information so you can do business.

Product descriptionGive us your data and we give you a quality guaranteed and trusted information result. We collect your data via secure real-time web services to be processed by our expert financial system using inference and knowledge engines that apply your business rules and classifications to allow users of the information to make decisions and support their business processes.

Big Data Compliance Back-Office Operations Big Data Lending

38 39


Growth-stageFounded in 2011 • HQ South Africahttp://www.zaqfinance.com • @zaqfinancePieter Wasserfall, Director • [email protected]

Short descriptionReducing the cost of Financial services for the low-income market in SA


Product presentedZAQ Finance

ZAQ

Executive summaryZAQ Finance started in 2012 with the primary goal of reducing the cost of financial services for the low-income market in Africa. Our research shows that the average low-income employee in South Africa (SA) pays around 60% of their earnings towards interest, admin, distribution and insurance fees. We focus on developing more efficient business models which help to reduce this cost by as much as 80% for the typical low-income employee in SA. Our key differentiating factor is that we work with employers to help their employees get access to more affordable financial products.

Product descriptionZAQ frees low-income people from the exploitative debt-trap and poor value for money financial (and other) products that a very large part of the low-income South African citizens find themselves in. We focus on three areas:- Reducing the cost of credit through consolidation loans, more affordable cash loans for emergencies and cheaper furniture financing- Providing a revolutionary savings product at a fraction of the cost of more traditional pension funds- Reducing insurance cost by offering funeral cover at a wholesale price (bringing the cost of funeral cover down by around 75%)

Growth-stageFounded in 2008 • HQ South Africahttp://www.scanman.co.za • @scanmansoftwareJodi Pons, CEO • [email protected] Pons, Founder and CTO • [email protected]

Short descriptionFixed asset management software


Product presentedScanMan “MAV” - Mobile Asset Verification

CompetitorsSage, Quickbooks, SAP

ScanMan

Executive summaryScanMan software is flexible, innovative and customisable software for managing fixed and moveable assets. ScanMan software constantly evolves as it embraces the latest technology and adapts to changing requirements. It allows for easy importing and exporting of data to and from legacy systems and is constantly striving to make the best use of data capture techniques as they become available, including: barcodes, QR codes, RFID, microdot, GPS, photos, mobile devices and lately, data collection from Drones.

Product descriptionScanMan has fused the latest technology available on mobile phones with its fixed asset register system. Barcoded asset systems are outdated, RFID is too costly to implement and GPS tracking devices require constant power - not available on certain assets. The ScanMan “MAV” system makes use of a mobile smartphone to do asset verification. Most smartphones have a camera, GPS and an owner who knows how to capture data on it. The MAV system uses a mobile app (android, blackberry, iphone, windows phone) that allows the user (owner of the asset, or inspector sent by the bank) to self-verify assets in-situ.

Back-Office Operations Investment Management Lending

40 41

42 43

28 MaySingapore

2015


Early-stageFounded in 2014 • HQ Hong Konghttp://www.bitspark.io • @bitsparkBTCGeorge Harrap, CEO • [email protected]

Short descriptionAsia’s Crypto-Financial Services Provider


Product presentedBitspark Remit

CompetitorsWestern Union, BPI, BDO Remit, Frankie cash exchange

Bitspark

Executive summaryBitspark is a leading Crypto-Financial services provider for the APAC region. Bitspark has pioneered the world’s first blockchain powered end-to-end remittance service in addition to a Blockchain auditable feature rich trading exchange. Bitspark is focused on providing payment solutions to individuals and businesses alike leveraging the speed and efficiency of the Bitcoin network with no prior knowledge necessary. Bitspark has an excellent team dedicated to bringing our customers the highest quality product with excellent customer service.

Product descriptionBitspark is the world’s first and only blockchain powered end-to-end remittance service. Bitspark provides a low-cost remittance corridor between the key regional markets of Hong Kong, Philippines, Indonesia and Australia, leveraging the speed and efficiency of blockchain technology reduces costs, overheads and time. Our services are targeted towards individuals and businesses alike who save time and money utilising our B2B web portal for payments to any of our 10,000+ pickup locations in APAC.

Early-stageFounded in 2014 • HQ Australiahttp://www.abatech.com.auChris Guzowski, CEO • [email protected] Coppa, CTO • [email protected]

Short descriptionBitcoin management platform

Key metrics• # Employees: 5• # Customers: 1,000+• Present in 1 country

Product presentedEI8HT

ABA Technology

Executive summaryABA Technology is Australia’s largest owner and operator of Bitcoin ATMs. ABA is the developer of Australia’s first blockchain bitcoin mobile wallet to be released under the EI8HT brand, with in-app bitcoin purchase functionality. ABA has developed merchant solutions utilising existing payment processing hardware.

Product descriptionABA have produced a wallet which is best-in-breed, adhering to bitcoin best practices, maintaining the highest user security with a simple yet beautiful interface. The wallet is entirely on blockchain, and as such operates in a fully decentralised manner and independent of ABA. The application can be viewed as a bitcoin wallet management system. The wallet’s core functionality is the receipt, storage and sending of bitcoin. The wallet is used for making bitcoin payments for goods and services, both online and in bricks and mortar retailers, making peer-to-peer payments - domestically and internationally - and making micro-payments. The wallet can be fully recovered if the mobile device is stolen.

Payments Settlement Corporate Business Services Messaging PaymentsPersonal (Financial) Management

44 45


Early-stageFounded in 2014 • HQ Hong Konghttp://www.coinsimple.com • @CoinSimpleNikos Bentenitis, Founder and CEO • [email protected]

Short descriptionPayPal for Bitcoin

Key metrics• # Employees: 10• # Customers: 250

Product presentedCoinSimple

CompetitorsBitPay, GoCoin

CoinSimple

Executive summaryCoinSimple is “PayPal for Bitcoin”. With CoinSimple, online merchants can easily accept Bitcoin directly to their Bitcoin wallets and Bitcoin exchange accounts. CoinSimple never touches any customer or merchant funds; CoinSimple is enabling the disintermediation of any third party in a transaction at scale.

Product descriptionWeb and mobile applications, plugins for ecommerce content management systems (Wordpress, WooCommerce, Magento) and white-label solutions for Bitcoin exchanges and businesses.

Early-stageFounded in 2014 • HQ Germanyhttp://www.cashboard.io • @Cashboard_deRobert Henker, Founder and CEO • [email protected]

Short descriptionOne-stop-shop for retail investing

Key metrics• # Employees: 15• # Customers: 1,000+• Present in 1 country

Product presentedCASHBOARD

CompetitorsWealthfront, Nutmeg

Cashboard

Executive summaryCASHBOARD is a robot-advisory and wealth management platform which enables retail clients to invest into a tailored and diversified portfolio. While others sell only ETF or products from one provider, we are combining various asset classes, financial products and online investment platforms on one single platform and account. Our algorithms generate substantial added value for clients in terms of convenience, transparency and cost. The company has received numerous awards and is backed by some of the leading VCs from Germany, Europe and worldwide.

Product descriptionCASHBOARD is a web platform which enables retail clients without experience to invest into a tailored and diversified portfolio. The client answers a few questions and an algorithm proposes a tailored portfolio. The combination of traditional and modern online investments, together on one platform is unique. Account opening is completely online using video KYC and electronic signature. Portfolio management, loss protection and basic tax optimisation is done completely automatically. Clients benefit from the security of a personal bank account and pay only a fair profit share.

Investment Management New Banks Payments

46 47


Early-stageFounded in 2014 • HQ Belgiumhttp://www.guardsquare.com • @GuardSquareHeidi Rakels, Co-Founder and COO • [email protected] Lafortune, Co-Founder and CTO • [email protected] Jürgen Ingels, CFO • [email protected]

Short descriptionApplication protection and optimisation


Product presentedDexGuard

CompetitorsArxan, Inside Secure, Preemptive Solutions, WhiteCryption

GuardSquare

Executive summaryMobile applications are vulnerable and prone to attacks. With these apps living on mobile devices, outside the control of their developers, perfect protection is fundamentally impossible. However, by applying multiple layers of protection and checking the environment, financial app publishers can significantly raise the bar for attackers and make apps more secure. We protect apps against reverse-engineering and malware. We develop and support ProGuard, the successful open source obfuscator. Proguard is part of Google’s Android SDK. We also develop DexGuard, its commercial sibling.

Product descriptionDexGuard is a specialised protector and optimiser for Android apps. DexGuard makes Android apps more compact and more performant and protects them against reverse-engineering and insertion of malware by dynamic and static techniques. DexGuard also checks if apps are running in a compromised environment or if they have been tampered.DexGuard is purchased and utilised by the world’s largest companies in finance, software, hardware, security, gaming, and media.

Early-stageFounded in 2013 • HQ Hong Konghttps://gatecoin.com • @GatecoinAurélien Menant, Co-Founder and CEO • [email protected] Piquard, Business Developer • [email protected] Yonata, PR and Communications Manager • [email protected]

Short descriptionUse local transfers, trade worldwide

Key metrics• # Employees: 10• # Customers: 200+• Present in 40 countries

Product presentedGatecoin

CompetitorsBitfinex, Bitstamp, BTC-e, OK Coin

Gatecoin

Executive summaryGatecoin allows you to buy digital assets locally and trade globally. It is an exchange built for performance, safety and reliability of digital currencies trading. Our advanced trading platform fulfills the needs of investors who want to speculate on the volatility of prices and of businesses that need to hedge themselves against this volatility. Leveraging on our regulatory compliant exchange that uses bank-grade security processes, we also offer innovative international payment services using the digital currencies and segregated client bank accounts to protect customers’ cash deposits.

Product descriptionDigital currency exchange that provides low-latency matching engine designed by trading systems experts, secured platform audited by third-party specialists, cold storage of bitcoins and other digital currencies. It is decentralised and modular and thus, scalable and secured. Our transparent partnership with international financial institutions and bank accounts network in 40 countries provides our users with faster and cheaper transfers. This makes us the most efficient solution for all types of users: individuals, business, and institutional investors.

Forex Messaging Payments Security

48 49


Early-stageFounded in 2014 • HQ Singaporehttps://www.jewelpaymentech.comSandra Cheim, Co-Founder and Director • [email protected]

Short descriptionIntelligent risk management for banking/e-payments

Key metrics• # Employees: 8• # Customers: 3 • Present in 1 country

Product presentedOne Sentry™

Jewel Paymentech

Executive summaryJewel Paymentech is a Singapore-based FinTech founded in 2014 to develop innovative security technologies for the banking and e-payments industry and a recipient of the ACE startup grant (SPRING Singapore). Our founding team has over 30 years combined experience in e-payments and financial services. We recently soft launched our first product, One Sentry™ - an intelligent Merchant Risk Monitor targeted at banks and payment facilitators, to positive reception from industry heavyweights - and will be launching our second product at the Visa Security Summit in Australia (May 2015).

Product descriptionOne Sentry™ is the industry’s first fully automated tool that allows payment card acquiring banks and payment facilitators (“acquirers”) to effectively manage their merchant’s brand, fraud, credit and data security risk profile. Using a proprietary intelligent risk scoring algorithm with machine learning, web heuristics and image analytics, One Sentry™ provides acquirers a way to pro-actively detect illegal e-Commerce merchant activities before complaints and penalties are imposed by IP owners, law enforcement and payment networks.

Big Data Compliance Security

50 51

For the promising young companies we select, the Wells Fargo Startup Accelerator provides an opportunity to develop and refine innovative solutions for financial institutions and enterprise customers during a six-month program helmed by Wells Fargo business and technology leaders. If your application for this program is selected, we’ll work closely with you to test your concept, helping to validate your technology, market direction, and enterprise readiness. The next application period begins spring 2015. To learn more, visit https://accelerator.wellsfargo.com.

Terms and conditions apply. Limit one application per company per program period. Twice-yearly application period and final selection of companies for the program to be determined solely at Wells Fargo’s discretion. Void where prohibited.

© 2015 Wells Fargo Bank, N.A. All rights reserved. Member FDIC. Deposits held in non-U.S. branches are not FDIC insured. Equal opportunity lender. WCS-1241522

Proud sponsor of the 2015 SWIFT Innovation Innotribe Startup Challenge

“We want a banker who will take our vision to the next level.”

WELLS FARGOSTARTUP ACCELERATOR

Six-month program

Applications accepted twice a year

$50k – $500k in funding

Minority equity stake in company


Early-stageFounded in 2014 • HQ Hong Konghttps://www.roburir.com • @robur_irDavid Oak, Partner • [email protected] Sturdy, Partner • [email protected]

Short descriptionBloomberg for the individual investor

Key metrics• # Employees: 7• # Customers: 410

Product presentedRobur Terminal

CompetitorsBloomberg, Reuters, Financial Times, Morning Star

Robur

Executive summaryAt $150 a year, Robur is not only the cheapest cofinancial data provider, but also one of the only services that standardises the data so that users can compare companies like for like, thus solving the problem of saving time performing necessary financial due diligence associated with buy/sell equity decisions. Our team of data encoders mines the data directly from annual company reports, allowing us to collate data that automated systems miss. Our low BEP (1,500 customers) and huge potential market base (40m people trade stocks online) make for an exciting investment.

Product descriptionThe Robur Terminal offers users access to collated 5yr fundamental company financial data. The product has 2 parts. The first part allows users to compare and rank companies across sectors and countries based on their 5yr fundamental financial data, using their own investment criteria to find undervalued and top performing companies. The second part allows users to research individual companies in a lot more detail. This page gives a graphical overview of how the company financials have been performing over the previous 5 years, as well as the standardised 5yr raw data.

Forex Investment Management

Early-stageFounded in 2014 • HQ Hong Konghttp://www.monexo.co • @WorldofMonexoMukesh Bubna, CEO and Founder • [email protected] Bengani, Co-Founder • [email protected]

Short descriptionHong Kong’s 1st P2P marketplace


Product presentedMonexo - Peer to Peer Lending Marketplace

CompetitorsWelend

Monexo

Executive summaryP2P Lending Marketplace is a sunrise industry disrupting the Core (deposit taking and lending) of Banks. P2P Marketplace is doubling every 6-9 months on size and is projected to grow to $1 Trillion by 2020. The P2P industry enables borrowers to get credit at lower cost, while allowing lenders to receive a better return on their money compared to banking and other alternatives.Monexo has been formed to bring this disruptive industry to Hong Kong and Asia with its own innovative products. We wish to make borrowing and lending simple, fast and convenient.

Product descriptionMonexo’s focus is to build consumer financial products allowing cash flows or assets with value to be unlocked for loans. Examples: (1) Loans against Rental Income, (2) Loans against Merchant Card Sales. Its first innovative product, Rent Cash-in, is focused on Property Owners. Property owners with (a) Residential Property (b) Private office (c) Commercial Space and (d) Industrial Space can borrow against their Rental income. Monexo employs proprietary technologies to propose borrowers to lenders, allowing lenders to build a diversified portfolio.

Payments Lending

52 53


Growth-stageFounded in 2013 • HQ Netherlandshttps://www.advicegames.com • @diedadvicegamesDiederick van Thiel, CEO • [email protected] Steenkamer, COO • [email protected]

Short descriptionEurope’s leader in data-driven gamification


Product presentedAdvice Risk Game

CompetitorsOracle, SAS

AdviceGames

Executive summaryAdviceGames company mission is to bring financial happiness to the world. In a world where people do not particularly like to do their personal finance, AdviceGames develops data-driven games and apps to help people change financial behaviour for the good. Our behavioural artificial intelligence platform powers the games and apps to help people make ends meet, budget, create buffers and work on long-term savings. AdviceGames is Europe’s leader in data-driven gamification.

Product descriptionThe Advice Risk Game proactively prevents people, especially woman who have a high propensity of falling into default from doing so. Woman are being exposed to the game 6 months before they fall in default. The game offers them a personalised approach to learn how to (1) budget and (2) save for unforeseen events. The benefits for financial institutions are (1) 10% lower default rates on an annual basis, (2) an average bank reduces its default costs by 10 million euro a year and (3) an increase of Net Promotor Scores.

Big Data Compliance Financial Education

Early-stageFounded in 2013 • HQ United Stateshttps://trustingsocial.com • @trustingsocialNguyen Nguyen, CEO • [email protected]

Short descriptionInventing Credit Scoring 2.0


Product presentedCredit Score based on Mobile Usage Data

Trusting Social

Executive summaryWe invent Credit Scoring 2.0 by combining Deep Learning with Big Data from social and mobile networks. Our solution enables lenders to assess the credit risk of 2.5 billion “financially invisible” consumers in emerging markets. Our solution is proven to be highly predictive and is able to reduce bad loans by up to 40%. Our early clients include a major telecom operator, and financial institutions in Southeast Asia and Europe. Our team is comprised of Ph.D. data scientists and banking experts.

Product descriptionWe present a novel consumer lending model based on mobile network infrastructure. In particular, the model utilises mobile usage data to enhance credit risk assessment, leverages existing customer base to grow lending portfolio rapidly; and streamlines consumer touch points to create omni-channel for marketing and on-boarding.

Big Data Lending New Banks

54 55


Growth-stageFounded in 2013 • HQ Switzerlandhttps://go-beyond.biz • @gobeyondinvestBrigitte Baumann, CEO and Co-Founder • [email protected] Romero, Community Management • [email protected]

Short descriptionPlatform where Angels can succeed


Product presentedGo Beyond Investing

CompetitorsBusiness Angels Switzerland (BAS), Seedrs

Go Beyond Investing

Executive summaryGo Beyond Investing (GBI) combines the best of traditional angel investing and technology to streamline the investment/transaction process and maximise angel investing returns. GBI has transformed angel investing into an asset class and is poised for rapid growth riding the FinTech wave. It provides end-to-end solutions to novice and experienced, small and large investors to build, manage and exit portfolios in cutting-edge early-stage startups in Europe and in the US through its unique platform, tools, training and expert angels.

Product descriptionGBI enables individuals to include angel investing as an asset allocation category in their wealth management. Its unique platform, expertise, tools and training caters to a wide spectrum of investors from those who have an overall investment budget of 100k CHF to UHNWI from those who want to be passive to those who want to be highly involved. GBI also offers its end-to-end solutions to families, corporations, universities and business angel organisations.

Financial Education Investment Management Lending

Growth-stageFounded in 2011 • HQ Singaporehttp://codapay.net • @codapaymentsNeil Davidson, CEO • [email protected] Leishman • [email protected]

On Light Background On Dark Background

Short descriptionA mobile-first alternative payment gateway


Product presentedCodapay

CompetitorsMOL Global

Coda Payments

Executive summaryCodapay is an alternative payment gateway in Southeast Asia. We enable merchants to accept payments in Indonesia, Malaysia, Philippines, Thailand, Vietnam and Singapore using payment channels that every consumer can use, even if they don’t have a credit or debit card: direct carrier billing, bank transfers, cash payments at convenience stores and physical vouchers. By making a single technical connection and commercial agreement with Coda, our merchants significantly increase their revenues in the rapidly growing markets that we serve.

Product descriptionCodapay distinguishes itself by offering customers the simplest and fastest way to pay for online purchases using alternative payment channels in Southeast Asia. Unlike our competitors, who typically require customers to maintain a payment account and to visit their own website to transact, Codapay operates as a payment gateway, allowing merchants to integrate our payment options directly into their checkout process and permitting customers to make purchases without opening a separate account with us.

Payments

56 57


Growth-stageFounded in 2013 • HQ Hong Konghttps://www.quantifeed.com • @QuantifeedAlex Ypsilanti, CEO and Co-Founder • [email protected] Milward, CTO and Co-Founder • [email protected] John Robson, Head of Business Development • [email protected] Chapman, Operations Manager • [email protected]

Short descriptionAutomated investment services b2b provider


Product presentedTrend Investor

Quantifeed

Executive summaryQuantifeed is reshaping the way people invest their money. Now, more than ever before, millions of people can afford to save for retirement and other financial goals. But their personal investment needs are not being met by mainstream wealth managers. Quantifeed’s automated investment services make investing simple, flexible and transparent. We partner with financial intermediaries around the world to better serve their clients through digital wealth management products. Online brokers, financial advisors and other distribution channels use our white-labelled platform to gain market share.

Product descriptionTrend Investor is a web-based platform of portfolios curated to suit a whole range of investment objectives, from diversified global asset allocation to niche thematic ideas. The product allows users to research, customise and invest in these portfolios with direct ownership of the constituent securities, and without the opacity or fees of managed funds. This simplifies the investment process, reduces costs and enables investors to tailor portfolios to suit their needs. Our partners use Trend Investor to offer individuals a more efficient and scalable wealth management service.

Investment Management

Growth-stageFounded in 2010 • HQ Singaporehttp://www.goswiff.com • @goSwiffStefano Diemmi, COO • [email protected] Karumo, Head of Communications and Marketing • [email protected]

Short descriptionMobile commerce and marketing solutions


Product presentedgoSwiff mCommerce Solutions and Professional Services

CompetitorsROAM/Ingenico, First Data, Softspace, Estel Technologies, iZettle, Verifone

goSwiff

Executive summarygoSwiff is a leading mobile commerce and marketing solutions provider, creating value and growth opportunities to our clients both on-line and at the point of sale. - We help banks and MNOs to acquire new merchant clients and to engage better with the existing ones.- We support merchants to increase both quality and quantity of transactions.- We provide consumers with a more rewarding buying experience.

Product descriptionmCommerce Platform to increase transactions, complementary to existing POS infrastructure and customisable according to client’s needs.- mPOS for mobile payments at the point of sale- mWallet for online payments and loyalty programs- Mobile payment solutions for the under-banked- Professional Services for consulting and managed services- Industry vertical expertise for merchant strategies- Multi-factor Authentication for secure transactions- Payment Gateway to process real-time payments and data- Certified and tested card readers- EMV Level 1 & 2 and PCI compliant

e-Commerce New Banks Payments

58 59

60 61

18 JuneNew York

2015


Early-stageFounded in 2014 • HQ Chilehttp://crowdtransfer.com • @CrowdtransferCristian Duguet, CEO • [email protected] Dochao, CMO • [email protected]

CrowdTransfer

Short descriptionFree peer-to-peer platform for currency exchange


Product presentedCrowdTransfer

CompetitorsTransferwise, CurrencyFair, Xoom, Azimo

CrowdTransfer

Executive summaryCrowdTransfer is the first social network for free international money transfers and cash currency exchanges, by avoiding established banks fees and unfair exchange rates. We encourage users to exchange money directly with others at the daily mid-market currency exchange rate. You match your transfer offer with another member wanting to transfer in the opposite direction. You both agree on a common amount of money and then exchange at a national level. We call this peer-to-peer currency crowdsourcing.

Product descriptionCrowdTransfer is a social network offering a free peer-to-peer international money transfer and cash currency exchange service. If a user cannot find a suitable peer to exchange with, we offer the following paid services: (1) Direct Money Transfer - the possibility to transfer money through CrowdTransfer directly for a small commission and (2) Bureaux-de-change marketplace - the possibility to access an online location-based marketplace for exchange houses nearby for cash exchanges.

Early-stageFounded in 2014 • HQ United Stateshttps://www.caaapital.com • @cAAApitalFranco Capurro, CEO • [email protected] Jerez, CBDO • [email protected]

Short descriptionAngel List for mid-size companies


Product presentedCAAAPITAL

CompetitorsAxial, DealNexus, Prequin, Venovate, DealMarket

CAAAPITAL

Executive summaryThe problem: Quality projects owned by mid-size companies are not being financed due to asymmetry of information between them and institutional investors looking for deal flow.CAAAPITAL is “Angel List for mid-size companies”.Hence, it’s the investment and fundraising marketplace for curated capital-intensive projects owned by mid-sized companies. Our benefits: Mid-size companies fully finance their projects (debt + equity). Investors access curated deal flow. Banks earn $0.5-2 million in advisory fees and lend more.Our results: +1,000 Investors from USA, China and LatAm. $2.4 billion worth of projects.

Product descriptionCAAAPITAL is a marketplace where curated projects* are showcased to local and foreign investors. Users can directly connect, share marketing and due diligence documents, form syndicates and close to the transaction with ease. (*) Projects are curated by Banks or CAAAPITAL’s team. Banks showcase their client’s pre-approved projects building trust between investors and companies, as the Banks carry a pre due diligence of the projects and is also committing debt capital. Making this a highly curated deal-flow for investors.

Corporate Business Services Investment Management Lending Forex Payments

62 63


Early-stageFounded in 2014 • HQ United Stateshttp://www.lendingstar.com • @lendingstarSlava Artamonov, CEO • [email protected]

Short descriptionPeer-to-peer lending and financing marketplace

Key metrics• # Employees: 7• # Customers: 2,500+• Present in 2 countries

Product presentedLendingstar.com

Competitorslendingclub.com, prosper.com, fundingcircle.com, ratesetter.com, societyone.com

LendingStar

Executive summaryLendingStar is an online financing platform where people can directly invest in business owners worldwide. LendingStar is business platform where private and institutional investors can directly invest in small and medium enterprises fromaround the world. We target SMEs in emerging markets in South East Asia and MENA regions. LendingStar charges up to 5% loan origination fee and 1% platform fee.

Product descriptionLendingStar is a cloud-based p2p lending marketplace that is specifically designed to handle the complexities of managing entire marketplace loan cycles and multiple investor portfolios. It is a cost effective and agile lending solution that enables users to rapidly bring new products to market and increase their revenue. Key Features: Online identification, risk assessment, loan servicing, collection and trading. Loan Fractionalisation [Assign multiple investors to invest in the same loan and split the repayments back to investors based on pre-determined rates]. Loan matching and bidding features to facilitate marketplace transactions.

Early-stageFounded in 2014 • HQ United Stateshttp://hyperledger.com • @hyperledgerDaniel O’Prey, CEO • [email protected] Feichtinger, CTO • [email protected]

Short descriptionDistributed Ledgers for Financial Institutions


Product presentedHyperledger

CompetitorsRipple Labs, Ethereum, Bitcoin

Hyper

Executive summaryHyper is the commercial entity supporting the open source Hyperledger Value Transfer Protocol. We are working with financial institutions, consortiums of banks, and startups to deliver solutions to mitigate settlement risk, reduce costs and delays across multiple financial instruments; from FX, Interest Rate Swaps, Securities, to correspondent banking.

Product descriptionHyperledger is a new technology to allow banks to clear and settle in real-time without the need for a central party via distributed ledgers. By removing the need for these intermediaries, Hyperledger reduces costs, delays, and settlement risk. For the first time, financial institutions can create private shared databases among known entities. By providing an open standard for value transfer, Hyperledger can integrate with existing systems to break down silos and increase liquidity. Hyperledger is the only platform of its type not to have a built-in cryptocurrency or singular public network.

Forex Payments Settlement Investment Management Lending Personal (Financial) Management

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Early-stageFounded in 2014 • HQ Canadahttp://www.paypeople.mobiManu Kabahizi, Founder • [email protected]

Short descriptionMobile Money Payroll Service


Product presentedPayPeople

Competitorsm-Payroll, EcoCash

PayPeople

Executive summaryPayPeople is a service that gives businesses in emerging markets the ability to securely pay employees and vendors through existing mobile money networks. Providing a less risky alternative to cash payments, PayPeople addresses the need for businesses to conveniently pay workers and vendors who may not have bank accounts, but are connected to fast growing mobile money networks. In addition to broadening financial inclusion, the service enables banks to offer their corporate clients new services that also increase transaction volumes.

Product descriptionPayPeople is a cloud enterprise payment processing service enabling direct-deposit of payment from corporate bank accounts to mobile money eWallets. The software eliminates risk and inefficiency for businesses remitting payments to the world’s estimated 2.5 billion unbanked adults who are increasingly turning to mobile money services. Through Value-Added partnership with banks, banks’ corporate clients can access the service through existing online banking services.

Back-Office Operations Payments


Personal (Financial) Management

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Early-stageFounded in 2015 • HQ United Stateshttp://www.token.io • @token_ioSteve Kirsch, CEO • [email protected] Benjamin, CTO • [email protected] York, VP Product • [email protected]

Short descriptionSecure payment ecosystem hosted by banks


Product presentedToken

Token

Executive summaryToken is creating a new, state-of-the-art Internet payment system hosted by select banks that is secure, fast, easy to use, and low cost. The Token payment protocol allows instant worldwide settlement of fiat currency transactions. Chargebacks are eliminated because our unique security architecture makes our identities nearly impossible to compromise. These features and more make Token the first credible challenger to payment cards and bank transfer systems such as ACH, SEPA.We believe Token is the most significant advance in money transfer in over 50 years.

Product descriptionToken is developing a suite of products for banks, software developers, businesses, and consumers that support our payment protocol.Token was designed by award-winning experts in security, identity, banking, and payments, including the former CTO of Citigroup.Token’s simple and elegant two-phase transfer protocol uses digital signatures to securely accommodate even the most complex transaction types, while ensuring full compliance with all national and international laws.Token can be installed and operating smoothly alongside existing bank systems in less than 30 minutes.

Payments Security

Early-stageFounded in 2011 • HQ United Stateshttp://www. SizeUp.com • @sizeupbusinessAnatalio Ubalde, CEO and Founder • [email protected] Barron, VP • [email protected]

Short descriptionBig Data for Small Business


Product presentedSizeUp

SizeUp

Executive summarySizeUp provides business intelligence and market research to companies so they can make smarter decisions through data. SizeUp uses big data to provide small businesses with high quality research insights that typically only large enterprises can afford and in a format that an SME can easily understand. Financial institutions provide SizeUp to their business customers to support their customer’s growth and economic success. SizeUp provides competitive industry benchmarking, shows potential customers/suppliers/competitors, and identifies optimal locations to advertise.

Product descriptionSizeUp provides business intelligence and market research to companies so they can make smarter decisions through data. SizeUp is big data for small businesses. It currently provides:1. Competitive benchmarks: Compare your business performance to your industry competitors across multiple characteristics. 2. Find customers, suppliers, and competitors: Geographically discover and identify potential customers, suppliers, and competitors to grow your business. 3. Best locations to advertise: Identify the best geographic locations to advertise based on industry and demographic characteristics.

Big Data New Banks

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Early-stageFounded in 2012 • HQ United Kingdomhttp://www.worapay.com • @worapayAurimas Bakas, CEO • [email protected] Vaidas Adomauskas, CTO • [email protected]

Short descriptionMobile acquiring network for banks and mobile wallets


Product presentedWoraPay mobile acquiring network

WoraPay

Executive summaryThere are lots of various mobile payment solutions and mobile wallets popping up across the globe. Each of them needs to do 2 different tasks well: gather merchants onboard (b2b) and users on the system (b2c). This is especially complicatedto do as mobile payment solutions expand into other countries. WoraPay concentrates just on POS integrations and the merchant acquisition. We are b2b only helping banks, telcos and other mWallets to gather new merchants, territories and payment methods. Through one platform and one integration, they have access to thousands of merchants.

Product descriptionWoraPay is not a mobile wallet, but we develop a network which helps banks, telecoms, PSPs and other mobile wallets get to the new markets, territories, merchants and POS systems. In addition, we reuse integrations to the merchants which have already been acquired by various mobile wallets. This enables growth of the network exponentially and mobile payment accessibility. From the merchant side, WoraPay concentrates on the remote payment methods which provide high additional value both to merchants and users.

New Banks Payments Settlement


Early-stageFounded in 2014 • HQ United Stateshttp://ucxchange.com • @ucxchangeAdam Zeck, CEO and Founder • [email protected] Bouroudjian, Founder • [email protected] DeGance Graham, Marketing • [email protected]

Short descriptionTrade the Cloud from a Global IaaS Marketplace


Product presentedUCX

CompetitorsDeutsche Boerse, Zimory

UCX

Executive summaryUCX, Universal Compute Xchange, is defining a new asset class of exchange traded products with the backing of CME Group that address the needs and risks of the digital generation. UCX, the leading global exchange for trading IaaS, “The Cloud”, has licensed the patented Workload Allocation Cube (WAC) metric for measuring IT infrastructure usage. UCX enables buyers and sellers to engage in price discovery and trade standardised WAC financial contracts to reduce their financial IT Infrastructure risk exposure from a transparent marketplace. UCX is where the universe comes to trade.

Product descriptionUCX is an exchange for trading IaaS, “the cloud”, and will be incubating and rolling out other exchange traded commodity products.

Big Data Forex New Banks

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Early-stageFounded in 2014 • HQ United Stateshttp://www.xendit.co • @xenditcoMoses • [email protected]

Short descriptionCash remittances from your pocket


Product presentedXendit

CompetitorsWestern Union, Mongeygram, Ria, Hawala networks

Xendit

Executive summaryXendit (“send-it”) provides the simplest way to store and move money across borders through the cheapest pipes in the world. We’re a cheaper, faster and more user friendly way to move money around the globe, enabled by the power of digital currencies. There are trillions in money transfers every year; remittances alone are $500bn. Our initial target is US-Southeast Asian corridors representing >$50bn in volume at an average cost of 7% implying a $3.5bn initial market opportunity. Our initial market will be money flowing from US to and within South East Asia.

Product descriptionXendit moves cash remittances across the world from your pocket. It’s much better than Western Union because it’s cheaper, has fewer errors, lets you store and send money anytime. We’ve built a cross platform mobile app, and we’re focused on South East Asia. Xendit is taking the best parts of decentralised ledgers, P2P and spot markets to make them work for the overseas foreign worker. White collar workers have access to banks or Xoom, but unbanked blue collar workers don’t.

New Banks Payments

Innotribe Startup Challenge 201572 73

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Growth-stageFounded in 2008 • HQ United Stateshttp://www.paycargo.comJuan Carlos Dieppa, Senior Vice President • [email protected] Walton, Director of Sales • [email protected]

Short descriptionOnline Freight Payment and Settlement Platform


Product presentedPayCargo

CompetitorsSyncada, IATA

PayCargo

Executive summaryPayCargo is an online commercial payments solution for the Ocean, Air, Trucking and Rail industries. PayCargo offers electronic tools that create significant efficiencies by automating the payments process with multiple financing options, dispute resolution, systems integration, email alerting, and report capabilities. PayCargo’s financing options allow Carriers to enjoy advanced funding of Receivables and Shippers to qualify for additional credit terms on their Payables. PayCargo helps companies in the international supply chain reduce operating costs, grow profits and dramatically increase cash flow.

Product descriptionPayCargo is a provider of a unique online financial solutions platform to carriers (billers) and shippers (payers) looking for efficient ways to expand their business. PayCargo empowers companies by making Payables and Receivables available online. It offers efficient payment options and an array of innovative financial tools including financing options on both Payables and Receivables.

Big Data Settlement Trade Finance


Growth-stageFounded in 2010 • HQ United Stateshttps://www.emoneypool.com • @emoneypool Francisco Cervera, CEO and Co-Founder • [email protected]

Short descriptionA marketplace for money pools


Product presentedeMoneyPool

CompetitorsYattos

eMoneyPool

Executive summaryFor centuries, those without access to capital have tapped the resources of their community by pooling funds to borrow and save together. eMoneyPool has modernised this worldwide practice and made it accessible to the masses via a secure online platform. Individuals who participate in online money pools also create a payment history that is accepted by our lender partners so they can qualify for introductory loans. eMoneyPool is thereby acting like a credit-worthiness tool that can bridge the divide between thin-file consumers and mainstream lending institutions.

Product descriptioneMoneyPool.com is the world’s first secure online platform for money pools. Built on a LAMP stack, the platform is structured as a marketplace where members can join money pools of all different ‘shapes and sizes,’ ranging from payment frequency, amount, start date and participants. The platform is a self-regulating community where members choose their group members based on their track record, or payment reputation, within the community, think eBay. This allows the highest rated users to group together and facilitates a smooth functioning marketplace.

Big Data Lending

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Growth-stageFounded in 2007 • HQ United Stateshttp://www.pendosystems.com • @pendosystemsincPamela Cytron, CEO • [email protected]

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Product presentedExtropik™

Pendo Systems

Executive summaryPendo Systems (Pendo) provides global transparency and data governance in order to gain economic leverage. Meeting the demands of investors and regulators to gain newinsights, Pendo enables legacy operational systems to be valuable not irrelevant, nor the obstacle to data governance. Pendo enables the back-office to move from a cost to a profit center. We currently offer two products: BasisPoint® (for back-office) and Extropik™ (transparency and regulatory appliance (IBOR)).

Product descriptionPendo has developed Extropik™ - an intelligent information layer designed to connect, expose, and share data. Designed to integrate into financial institutions existing infrastructure, Extropik™ enhances operational workflow setting a foundation for quick system integration and eventual legacy system decommissioning. It automatically replicates operational transactions from any production system into a fully indexed data repository. From this data cache, unified views can be created instantly enabling fast creation of regulatory and client reports, or marketing and management dashboards.

Growth-stageFounded in 2011 • HQ Canadahttp://www.payfirma.com • @PayfirmaMichael Gokturk, CEO and Founder • [email protected]

Short descriptionMulti-channel electronic payment platform


Product presentedPayHQ

CompetitorsChase Paymentech, Heartland Payments, Global Payments

Payfirma

Executive summaryPayfirma helps you accept mobile, e-commerce and in-store electronic payments, securely store credit card information, automate your billing, and view real-time sales analytics, all using one platform. The days of piecing multiple vendors together or using obsolete point solutions to accept payments are gone.

Product descriptionPayHQ is a payment platform that consolidates mobile, ecommerce and in-store/office payments under a single account, which enables customers to easily accept credit, debit and electronic payments from their customers globally. PayHQ is a front and back-end to traditional bank owned payment processors.

Big Data Big DataPayments Settlement Investment Management Reference Data

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Growth-stageFounded in 2012 • HQ United Stateshttp://www.yftinc.comSuresh Ramamurthi, CEO and President • [email protected] Stanley, Public Relations • [email protected]

Short descriptionIntelligent risk management for faster/secure payments


Product presentedYantra’s Compliance & Risk Management System (CRMS)

CompetitorsFIS, FiServe, Actimize, EastNets

Yantra

Executive summaryYantra has developed and launched multiple products enabling faster, more secure, contextual and conditional movement of money between individuals and businesses worldwide. The company provides multiple product offerings that combine real-time payments with real-time transaction and risk-management capabilities enabling faster, more secure payments that are in full compliance with regulatory requirements. Most recently the company launched its One Card platform for real-time payments and its Compliance Risk Management Solution (CRMS) platform for real-time transaction monitoring.

Product descriptionCRMS is the first payments specific risk-scoring solution that leverages complex mathematical algorithms to combat fraudulent activity. The system provides a real-time detailed view of all customer transactions including the type of activity completed and with whom the transaction was conducted. In turn, this data equips banks to quickly identify and respond to potential threats and negative implications. It is a high performance, high speed platform designed to operate at scale (billions of transactions) providing real-time analytics and transaction risk scoring.

Growth-stageFounded in 2014 • HQ United Stateshttps://shiftpayments.com • @shiftpaymentsMeg Nakamura, Co-Founder and CEO • [email protected]

Short descriptionIssue Visa-branded debit cards


Product presentedShift card

CompetitorsXapo, ANX

Shift Payments

Executive summaryShift is making it easy for users to spend any currency at existing credit card accepting merchants. Users sign up for a Shift account (i.e. set up a username and password) and connect their third-party store of value accounts to Shift. Users can check account balances, set their spending priority list, and access their transaction history from the Shift app. The Shift card works exactly the same as any of the cards in users’ wallets today. Merchants continue to bear business as usual interchange fees while users get to make everyday purchases with everything from bitcoin to fiat to gold.

Product descriptionShift issues users a decoupled Visa debit card. The cards are access devices that allow users to spend funds directly from their third-party accounts, including fiat accounts, precious metal holdings, loyalty points, and digital currency wallets. Currently, Shift is focused on issuing cards and building a companion app to track balances and transactions. Eventually, Shift strives to expand the application’s functionality to support loading, sending, and receiving funds. The vision for the product is to be the central place to manage all your money.

Big DataPayments Settlement Compliance PaymentsPersonal (Financial) Management

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Startup Challenge 2015

Documents

Transcript of Startup Challenge 2015