Finance Trends

A secure environment designed for collaborative data analysis while maintaining data privacy. Data clean rooms enable companies to aggregate and analyze data without exposing sensitive information, often used in digital advertising and marketing to comply with data privacy regulations. They are particularly beneficial for organizations that need to perform privacy-preserving data analysis across multiple data sources.

Financial service that allows employees to access a portion of their earned wages before their regular payday. It helps employees manage cash flow and avoid high-interest debt options, typically without charging interest but may include a small transaction fee. EWA services are often integrated with payroll systems and may include additional financial wellness tools, primarily benefiting employees who need immediate access to their earnings for financial stability.

Research and advisory firm known for its market analysis and investment strategies. Fundstrat provides predictions on stock market trends and cryptocurrency values, with notable recommendations including core portfolio holdings like Apple, Nvidia, and Tesla. The firm primarily targets investors and financial professionals seeking informed insights and strategic guidance on market movements.

Concept that combines elements of traditional finance (TradFi) and decentralized finance (DeFi) to bridge the gap between conventional financial systems and blockchain-based financial systems. Hybrid finance aims to provide the security, trust, and regulatory compliance of traditional finance while leveraging the efficiency, transparency, and innovation of decentralized finance. It primarily targets financial institutions, blockchain developers, and regulatory bodies seeking to integrate and optimize both financial paradigms.

Environmental, Social, and Governance (ESG) data encompasses information about a business's impact on its surroundings, including carbon emissions, renewable energy use, and water stress levels. It also covers social aspects such as labor practices, community engagement, and employee relations, as well as governance factors like board diversity, executive pay, and business ethics. ESG data is primarily used by investors, regulators, and stakeholders to assess the sustainability and ethical impact of a company.

Information recorded directly on a blockchain, encompassing transaction details, wallet addresses, smart contract interactions, and other data stored in the blockchain's ledger. This data is transparent, immutable, and essential for analyses such as tracking asset flow, understanding user behavior, and ensuring blockchain integrity. On-chain data is particularly valuable for blockchain developers, analysts, and entities requiring transparent and verifiable transaction records.

Carbon Equity is a financial technology platform that enables individuals to invest in climate-focused venture capital and private equity funds. It distinguishes itself by providing a simplified, accessible way for people to participate in climate investments, typically reserved for institutional investors, with a focus on funding technologies and projects that combat climate change. Carbon Equity is designed for environmentally conscious individuals and small investors who aim to align their financial portfolios with sustainable and impactful goals.

Technological solutions designed to protect systems, networks, and data from cyber threats and attacks. In 2023, cybersecurity technology focuses on addressing the expanded attack surface due to remote work, adopting Zero Trust architecture, leveraging AI and ML for threat detection, securing cloud environments, defending against ransomware, ensuring IoT security, complying with regulatory requirements, and sharing threat intelligence. These technologies are essential for businesses, government agencies, and individuals seeking to safeguard their digital assets and maintain data privacy.

Multinational financial technology company offering a range of financial services and software as a service (SaaS). Founded in 2015 in Melbourne, Australia, it provides digital payment solutions for both personal and business purposes, including accepting payments, moving money, and simplifying financial operations. Airwallex primarily targets businesses and individuals seeking efficient and streamlined financial services on a global scale.

A financial services company that leverages advanced technology to facilitate capital raising and investor connections. Texture Capital differentiates itself by being registered with the SEC as a broker, ensuring regulatory compliance and offering unique investment opportunities. The primary target demographic includes companies seeking to raise capital and investors looking for distinctive investment options.

This field focuses on creating cryptographic systems that can withstand the computational power of quantum computers, which have the potential to break many existing cryptographic protocols. It aims to develop new algorithms and protocols that ensure data security in a future where quantum computing is prevalent, differentiating itself by addressing vulnerabilities that classical cryptography cannot. The primary beneficiaries of post-quantum cryptography are industries and organizations that require long-term data security, such as financial institutions, government agencies, and technology companies.

A marketing arrangement where affiliates, such as bloggers, influencers, or social media content creators, receive a commission for each visit, signup, or sale they generate for a merchant. This platform connects companies with affiliates to help outsource part of the sales process, providing a cost-effective way for businesses to expand their reach and increase sales. The primary users of affiliate platforms are companies looking to boost their marketing efforts and affiliates seeking to monetize their online presence.

Budgeting and finance management app designed to help users track their expenses and manage their finances. The free version provides basic budgeting functions such as expense tracking, while the paid version offers advanced features like custom budget categories, automated savings, and tracking of credit reports and net worth. Rocket Money is particularly useful for individuals seeking better control over their financial management.

Platform curated by Benjamin Cowen, offering strategies for navigating the cryptocurrency market. It provides techniques like dollar-cost averaging and features cryptocurrency-themed merchandise, distinguishing itself with high-quality content and a substantial YouTube following. The platform primarily targets cryptocurrency enthusiasts and investors seeking informed strategies and market insights.

Qualified Small Business Stock (QSBS) is a type of stock that offers significant tax advantages to investors. It is issued by domestic C corporations that meet specific requirements, including having gross assets of $50 million or less at the time of issuance. QSBS primarily benefits investors seeking to exclude up to 100% of capital gains from federal taxes upon the sale of the stock, provided they hold the stock for more than five years.

Financial technology company offering a car financing platform aimed at consumers with limited credit history. The platform leverages advanced analytics and machine learning to assess creditworthiness, providing an alternative to traditional credit scoring methods and enabling more individuals to secure car loans. Lendbuzz primarily serves customers in the United States who have limited or no credit history and are seeking accessible car financing options.

International health insurance provider that covers healthcare costs for policyholders worldwide. It differentiates itself by offering a real-time claims settlement process, eliminating the need for out-of-pocket expenses and reimbursement procedures. PassportCard primarily serves expatriates, frequent travelers, and international employees in over 150 countries.

A company that offers health and insurance products tailored for remote companies and remote workers globally. SafetyWing differentiates itself by providing comprehensive coverage that serves as a replacement for traditional national welfare systems, catering specifically to the needs of the remote workforce. The primary target demographic includes remote workers, digital nomads, and remote-first companies seeking reliable and flexible insurance solutions.

Investing platform that allows users to trade fractional shares of stocks, bonds, ETFs, options, and other assets like cryptocurrencies and royalties. It offers zero fees for many trades, making it a low-cost brokerage option, and provides advanced tools and AI-powered insights to help users make informed investing decisions. The Public App is targeted at individual investors looking for a cost-effective and user-friendly platform to manage their investments.

Financial technology company offering various lending products, including home equity lines of credit (HELOCs), mortgage refinancing, and personal loans. It operates primarily online, utilizing advanced technology and data analytics to streamline the application process and provide efficient, transparent services. The company's services are targeted at homeowners and individuals seeking accessible and efficient lending solutions.

Payment method that uses a wearable ring equipped with contactless payment technology. The ring functions similarly to a debit card, utilizing advanced security features provided by MasterCard to protect against fraudulent purchases, and does not display any visible debit card numbers, enhancing its security. This payment method is particularly beneficial for tech-savvy individuals seeking a convenient and secure way to make transactions without carrying traditional cards.

A fintech company that provides home equity lines of credit and other lending products, utilizing blockchain technology to enhance efficiency. Figure Lending is part of Figure Technologies, founded by Mike Cagney, and distinguishes itself by leveraging blockchain to streamline the lending process, offering faster and more transparent services. The company's offerings are primarily targeted at homeowners seeking to access their home equity with reduced processing times and increased transparency.

Friendly fraud occurs when a consumer makes an online purchase with their credit card and then requests a chargeback from the issuing bank after receiving the goods or services. This type of fraud can be unintentional, stemming from misunderstandings or forgetfulness, but it can also be deliberate. It primarily affects online merchants and financial institutions, leading to financial losses and increased scrutiny of chargeback claims.

A wealth management firm that provides a range of services to multiple families. These services often include investment management, estate planning, tax services, philanthropy, and other financial planning services, offering a more comprehensive and personalized approach compared to traditional financial advisory services. Multi-family offices primarily cater to the complex financial needs of wealthy families seeking tailored and holistic financial solutions.

Digital insurance agent and comparison site that assists consumers in finding home, auto, and life insurance from multiple insurers. Insurify differentiates itself by offering a white-label, embedded service for other companies, enabling them to sell insurance digitally, with notable customers including Toyota and the digital bank Chime. The platform primarily targets consumers seeking to compare and purchase insurance policies online, as well as businesses looking to integrate digital insurance sales into their services.

Fintech as a Service (FaaS) involves third-party companies providing financial technology solutions to other businesses, allowing them to integrate financial services into their own offerings. These services can include payment processing, lending, insurance, and wealth management, providing businesses with the tools to enhance their financial capabilities without developing the technology in-house. FaaS primarily benefits businesses looking to offer advanced financial services to their customers without the need for significant investment in technology development.

Real estate transactions where a taxpayer sells investment or business-use property and uses the proceeds to acquire replacement property. Governed by Code Section 1031 and various IRS Regulations and Rulings, these exchanges allow for the deferral of capital gains taxes. Property exchanges are primarily beneficial for real estate investors and business owners seeking to reinvest in new properties without immediate tax liabilities.

Biometric payments utilize biometric authentication methods such as fingerprint recognition, facial recognition, or iris scanning to authorize financial transactions. This technology offers enhanced security and convenience by eliminating the need for traditional passwords or PINs, with fingerprint scans being more commonly preferred over facial recognition. Biometric payments are particularly appealing to tech-savvy consumers and younger generations, such as Gen Z, who are more open to adopting facial recognition technology.

Platform where users can discover top-performing trading experts, observe their real trading activities, learn from them, and copy their trades. Alpha Impact differentiates itself by providing a transparent and interactive environment for users to follow and replicate the strategies of successful traders, thereby potentially enhancing their own trading performance. The platform primarily targets novice and intermediate traders looking to improve their trading skills and outcomes by leveraging the expertise of seasoned professionals.

FTIHX is the ticker symbol for the Fidelity® Total International Index Fund, a mutual fund designed to mirror the total return of foreign developed and emerging stock markets. This fund offers investors diversified exposure to international equities, aiming to capture growth opportunities outside the United States. It is primarily targeted at investors seeking to diversify their portfolios with international stocks and benefit from global market trends.