Finance Trends

This refers to a program that works in collaboration with employers to help their employees manage and reduce student loan debt. As a certified B-Corp, it emphasizes both profit and purpose, aiming to create general social impact by alleviating the burden of student loans.

Term commonly used in finance and trading to describe the difference between the expected price of a trade and the actual price at which the trade is executed. Slippage can occur due to market volatility, low liquidity, or delays in order execution, impacting the profitability of trades. It is particularly relevant for traders and investors who need to account for it in their trading strategies and risk management plans.

Digital platform designed to streamline the management of invoices and payments, serving as an intermediary between business owners and their accountants. Billtobox offers features such as automated invoice processing, secure payment handling, and real-time financial insights, which differentiate it from traditional manual accounting methods. The platform is primarily targeted at small to medium-sized businesses and accounting professionals seeking to enhance efficiency and accuracy in financial operations.

Company that provides Managed Service Providers (MSPs) with tools to automate and standardize their operations, analyze opportunities, and enhance client value. ScalePad offers services such as backups, warranties, reporting, and asset lifecycle management, distinguishing itself with a comprehensive suite of tools designed to improve operational efficiency and client satisfaction. The primary target demographic for ScalePad includes MSPs seeking to optimize their service delivery and enhance the value they provide to their clients.

Blockchain-based project aimed at enhancing internet privacy through decentralized technology. Hopr differentiates itself by offering an incentivized staking program that rewards users for active participation in testing and events, thereby promoting community engagement and network security. The primary target demographic includes privacy-conscious individuals and blockchain enthusiasts seeking to improve online privacy and security.

A fully open-source public distributed ledger that utilizes the hashgraph consensus algorithm, known for its speed, fairness, and security. The network supports Solidity-based smart contracts, native tokenization, and consensus services, enabling the development of decentralized applications. Hedera primarily targets developers and businesses looking to build secure and efficient decentralized applications.

Service model that integrates product functionality, process automation, and expertise within technology to help organizations achieve regulatory compliance and reduce risk. Compliance as a Service typically involves the use of cloud-based solutions to manage and ensure compliance with various regulatory requirements, thereby helping organizations to streamline their compliance processes and mitigate associated risks. This service is particularly beneficial for businesses in highly regulated industries such as finance, healthcare, and manufacturing, where maintaining compliance is critical.

A payment gateway company based in the Philippines that provides products and services enabling businesses to accept online payments. It supports over 10 payment options, including Gcash, Maya, debit cards, credit cards, and Atome, and allows businesses to process, manage, and reconcile transactions with a single account. PayMongo primarily targets businesses of all sizes looking to streamline their online payment processes and improve transaction management.

Global payment acceptance platform that enables businesses to offer a variety of locally-preferred payment methods, including eWallets, local and international cards, bank transfers, and cash. Rapyd differentiates itself by supporting payment acceptance in over 100 countries and providing services to collect cash at 500,000 locations worldwide, making it highly versatile and accessible. The platform primarily targets businesses seeking to expand their payment options and reach a global customer base with diverse payment preferences.

CyberCube is a company that specializes in providing cyber risk analytics for the insurance industry. It leverages a vast ecosystem of data partners to offer advanced analytics and insights, helping insurers better understand and manage cyber risk. The primary target demographic for CyberCube includes insurance companies and risk managers seeking to enhance their cyber risk assessment and mitigation strategies.

An organization represented by rules encoded as a computer program, which is transparent, controlled by organization members, and not influenced by a central government. DAOs operate autonomously through smart contracts and are often based on blockchain technology, ensuring secure and transparent transactions and rules. They are primarily targeted at individuals and entities interested in decentralized governance and collective decision-making without a central authority.

Required Minimum Distributions (RMDs) are mandatory withdrawals that individuals must take annually from their IRA and retirement plan accounts starting at age 72 (or age 73 if they reach age 72 after December 31, 2022). These distributions are designed to ensure that retirement accounts are eventually depleted and taxed, preventing indefinite tax deferral. RMDs primarily affect retirees who have accumulated savings in tax-deferred retirement accounts.

Educational platform that focuses on IT education, offering real-time learning experiences and courses. Study_it provides a variety of courses aimed at helping individuals pursue careers in emerging technologies, differentiating itself with interactive and practical learning modules. The platform primarily targets students, professionals, and career changers interested in gaining skills in the IT sector.

Founded in 2021, this company provides real-time access to user financial data and facilitates seamless liability repayment. It aims to make personal finance more autonomous by offering services that connect to various financial obligations such as student loans, credit cards, auto loans, mortgages, and utility bills. The primary beneficiaries of these services are individuals seeking to streamline their financial management and repayment processes.

Decentralized cryptocurrency exchange that facilitates peer-to-peer trading of Bitcoin and other cryptocurrencies. It operates without a central authority, ensuring security, privacy, and censorship resistance by not requiring personal information from users. Bisq is particularly favored by individuals who prioritize privacy and security in their cryptocurrency transactions.

The term refers to the use of technology innovations designed to improve efficiency and reduce costs in the insurance industry. Insurtech encompasses a wide range of technologies, including artificial intelligence, big data, blockchain, and IoT, to enhance underwriting, claims processing, and customer experience. It primarily targets insurance companies and consumers seeking more personalized, efficient, and user-friendly insurance solutions.

​Capitalise.ai is a fintech platform that enables traders to automate their trading strategies using natural language, eliminating the need for coding expertise. The platform offers features such as backtesting against historical market data, real-time monitoring, and smart notifications, facilitating informed and efficient trading decisions. Capitalise.ai primarily caters to retail traders and investors seeking to enhance their trading strategies through accessible automation tools

Strategy used in customer relationship management (CRM) and marketing to determine the most appropriate action to take for a customer at any given moment. This approach leverages data analytics, machine learning, and artificial intelligence to predict and recommend actions that are most likely to lead to a positive outcome, such as a sale, customer satisfaction, or retention. The Next Best Action strategy is particularly beneficial for businesses aiming to enhance customer experience and optimize business outcomes through data-driven decisions.

Online gambling platforms that use blockchain technology to offer a fair and transparent gaming experience. They utilize cryptocurrencies, such as Bitcoin, for transactions, which helps to avoid the slow and fee-laden traditional banking methods. This innovation in the online gambling industry aims to provide a more efficient and secure way for users to gamble online.

Decentralized finance (DeFi) platform that offers self-repaying loans, allowing users to leverage various tokens without the risk of liquidation. It is notable for being the first same-asset loan product in DeFi, providing innovative solutions for collateralized borrowing by enabling users to borrow against their future yield. Alchemix primarily benefits DeFi users and investors looking for unique and risk-mitigated borrowing options.

A refund program for customs duties, taxes, and fees paid on imported merchandise that is later exported or destroyed. The duty drawback program aims to encourage U.S. businesses to export more by reducing the costs associated with importing goods that are subsequently exported. It is administered by the U.S. Customs and Border Protection (CBP) and benefits businesses involved in international trade.

On-demand digital tax service that connects users with certified public accountants (CPAs) or enrolled agents (EAs) for tax filing purposes. Taxfyle differentiates itself by offering a convenient mobile app that allows real-time interaction with tax professionals, streamlining the tax filing process. This service is particularly beneficial for individuals and small businesses seeking an efficient and accessible way to manage their tax obligations.

Swikly is a money transfer service based in Lyon, France, specializing in online security deposits for rentals. It automates the management of security deposits and offers protection without debiting or blocking card limits, providing a seamless and secure experience for both renters and rental providers. The service is particularly useful for professionals in various rental industries, including vacation rentals, equipment rentals, and event rentals, who benefit from its dispute handling and payment guarantee features.

Company that provides funding solutions to eCommerce businesses, aiming to support their growth and ambitions. Wayflyer differentiates itself by offering fairer, faster, and more flexible funding options, addressing tough problems in the eCommerce industry. The primary target demographic includes eCommerce business founders seeking efficient and adaptable financial support to achieve significant growth.

Chargeback fraud is a deceptive practice where a customer disputes a legitimate charge to receive a refund while retaining the product or service. This type of fraud exploits the chargeback process, which is intended to protect consumers from unauthorized or incorrect charges, by falsely claiming issues such as non-receipt, defects, or unauthorized transactions. It primarily affects merchants and businesses that accept credit card payments, leading to financial losses and increased scrutiny from payment processors.

Fraudulent schemes involving digital currencies to deceive individuals and steal their money. These scams can take various forms, such as phishing, Ponzi schemes, fake ICOs, pump and dump schemes, ransomware, impersonation scams, and fake exchanges, each designed to exploit the trust and lack of knowledge of potential victims. Cryptocurrency scams primarily target individuals and investors who are new to the cryptocurrency market or lack sufficient knowledge about secure practices in digital currency transactions.

Step Banking is a free banking app designed to help users build credit, grow savings, and earn rewards. It offers features such as up to 8% cashback, 5.00% interest on FDIC-insured savings, and various annual perks, differentiating itself with the premium service Step Black, which is available for free with direct deposit. The app primarily targets young adults and teenagers who are looking to establish financial independence and build a strong credit history.

Subset of machine learning in artificial intelligence (AI) that utilizes networks capable of learning from unstructured or unlabeled data. Deep learning is instrumental in technologies such as driverless cars, voice control in consumer devices, and various other applications requiring complex pattern recognition. It primarily benefits industries and researchers focused on advanced AI applications and data-driven decision-making.

A financial institution that offers a variety of banking products such as checking accounts, savings accounts, money market accounts (MMAs), and certificates of deposit (CDs). Customers Bank differentiates itself by providing competitive annual percentage yields (APYs) up to 5.14% and surcharge-free ATM access through a partnership with Allpoint, covering over 55,000 locations across the United States. The bank primarily serves individuals and businesses looking for high-yield savings options and extensive ATM accessibility.

A Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) is a type of health reimbursement arrangement that allows small employers with fewer than 50 full-time employees to reimburse their employees for medical expenses, including health insurance premiums. Established under the 21st Century Cures Act in December 2016, QSEHRA requires that employees have minimum essential coverage to receive tax-free reimbursements, and it must be offered on the same terms to all eligible employees. This arrangement primarily benefits small businesses looking to provide health benefits to their employees without offering a group health plan.