Finance Trends

Suite of security services provided by IBM, including key management and encryption solutions. IBM Hyper Protect offers full control over encryption keys for data protection, centrally orchestrating and securing the lifecycle of encryption keys across an enterprise, whether on-premises or in multiple cloud environments. It is targeted at enterprises seeking robust security measures for their data and encryption key management.

Online life insurance company based in Canada, founded in 2018, offering affordable and straightforward life and critical illness insurance. The company aims to simplify the traditional insurance process by making it easier to get a quote and activate insurance coverage, differentiating itself through its user-friendly platform and transparent pricing. PolicyMe primarily targets Canadian residents seeking accessible and cost-effective life insurance solutions.

Company founded in 2019 by Ray and Zach Shefska that provides services for buying, selling, insuring, financing, and protecting cars. It aims to address inequalities and exploitative practices in the car sales industry, differentiating itself by advocating for consumer rights and transparency. The primary target demographic includes car buyers and sellers seeking fair and transparent transactions in the automotive market.

Crypto finance platform offering services such as buying, exchanging, and trading cryptocurrencies. Known for its high-yield savings accounts, YouHodler provides competitive interest rates—up to 8.32% APY for USDC and up to 11.28% APY for other cryptocurrencies, differentiating itself by offering significant returns on crypto deposits. The platform primarily targets cryptocurrency investors and users seeking to maximize returns on their digital assets.

Theta in options trading measures the rate at which the value of an option decreases as time passes, reflecting time decay. It is usually negative for long positions and positive for short positions, with its magnitude being higher for at-the-money options and increasing as the expiration date approaches. Theta is an important factor for traders to consider when managing their options positions.

Global provider of financial market data and infrastructure, previously part of Thomson Reuters and later acquired by the London Stock Exchange Group (LSEG). Refinitiv offers a wide range of services including trading, investment, wealth management, and risk management solutions, differentiating itself with comprehensive data and analytics tools. The primary users of Refinitiv's products are financial professionals who require accurate and timely information to make informed decisions and manage risks.

Platform that connects the music and financial sectors, enabling individuals to invest in music royalties. It provides opportunities for investors to purchase shares in music catalogues and earn returns from the revenue generated by artists, distinguishing itself by offering a unique investment avenue in the music industry. ANote Music primarily targets investors looking for alternative investment opportunities and music enthusiasts interested in supporting artists while earning potential returns.

SMS phishing, also known as 'smishing,' is a cyber attack method where attackers use text messages to deceive individuals into revealing sensitive information or performing actions that compromise their security. These messages often mimic legitimate sources and may include links to fraudulent websites or prompts to call fake customer service numbers, aiming to steal personal data or financial information. The primary targets of SMS phishing are individuals who may not be aware of the risks associated with unsolicited text messages and lack robust cybersecurity awareness.

Leading multi-chain blockchain explorer that provides real-time data and information for various cryptocurrencies, including Bitcoin, Ethereum, and Litecoin. It offers features such as market cap, transaction volumes, and key metrics for different cryptocurrencies, distinguishing itself with comprehensive insights into wallet activity and transaction hashes. Oklink is primarily targeted at cryptocurrency enthusiasts, traders, and analysts seeking detailed blockchain data and analytics.

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.

Inbestme is a digital investment platform that offers personalized and automated investment management services. It differentiates itself by providing a range of investment portfolios tailored to individual risk profiles and financial goals, leveraging technology to optimize investment strategies and reduce costs. The platform primarily targets individual investors seeking a convenient and cost-effective way to manage their investments with professional guidance.

Decentralized data refers to a system where data is distributed across multiple nodes rather than being stored in a single, central location. This approach enhances security, privacy, and resilience by ensuring that data is not reliant on a single point of failure and is accessible through a network of interconnected nodes. It is particularly beneficial for industries and applications that require high levels of data integrity, transparency, and user control, such as decentralized finance (DeFi) and blockchain technologies.

Financial services company providing access to private market investments, also known as alternative assets. YieldStreet differentiates itself by offering a diverse range of investment opportunities across various markets such as real estate, private equity, venture capital, fine art, transportation, structured notes, and legal finance, aiming to democratize access to these traditionally exclusive investments. The platform primarily targets individual investors seeking to diversify their portfolios with alternative assets and achieve higher returns compared to traditional investment options.

A company that designs and develops application software, offering solutions for account verification, risk management, and personal finance. It differentiates itself by providing secure and efficient APIs that enable seamless integration with banking and financial services, enhancing operational efficiency and customer experience. TrueLayer primarily serves banks and financial services institutions in the United Kingdom.

Quantower is a multi-asset and multi-connect trading platform designed for traders of various markets, including CFDs, Futures, Options, Stocks, and Crypto exchanges. It offers over 40 trading and analytical panels, which can be customized to suit individual trading needs, providing a highly customizable trading environment. The platform is suitable for both novice and experienced traders looking for a versatile and adaptable trading solution.

Software analytics platform that identifies and monitors over 400 external risks, including Environmental, Social, and Governance (ESG) factors. It provides a fully automated solution to help companies identify and prioritize issues material to their operations, enabling deeper ESG knowledge and real-time risk monitoring. Datamaran is primarily targeted at corporate leaders and companies looking to authentically own and enhance their ESG strategy in-house.

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.

Financial service enabling cryptocurrency holders to lend their digital assets to borrowers in exchange for interest payments. This service typically involves a lending platform that acts as an intermediary, ensuring both parties meet their obligations and often requiring borrowers to provide collateral to secure the loan. Crypto lending is primarily targeted at individuals or institutions looking to earn passive income on their crypto holdings or those needing liquidity without selling their assets.

Mobile application that allows users to earn money by participating in surveys. It connects users with companies and organizations that need consumer feedback, offering a user-friendly interface and the ability to cash out earnings through PayPal or other payment methods. The app is available for both Android and iOS devices and is targeted at individuals looking to make extra income by sharing their opinions.

Method where institutional or accredited investors purchase stock directly from a public company at a price below the market value. This approach is favored because it has fewer regulatory requirements compared to public offerings, allowing companies to save time and money and raise funds more quickly. Pipe financing is particularly beneficial for public companies seeking rapid capital infusion with minimal regulatory hurdles.

Hardware wallet designed for securely storing cryptocurrencies, combining cold and hot storage for versatile asset management. It allows users to manage crypto assets and NFTs, and interact with decentralized applications (DApps) through a single mobile app, offering a user-friendly interface and clear instructions. The wallet is suitable for both beginners and experienced users, with the CoolWallet Pro version providing additional features and enhanced security measures.

Voice phishing, also known as vishing, is a type of scam where fraudsters use phone calls to deceive individuals into providing personal information. These scammers often pose as legitimate entities, such as banks or government agencies, to gain the trust of their targets and may use techniques like caller ID spoofing to appear credible. This type of scam primarily targets individuals and businesses, with a particular focus on vulnerable demographics such as the elderly.

Online personal micro-lending platform that operates in Mexico, providing quick and accessible loans to individuals. Utilizing big data and advanced analytics, it approves and delivers loans efficiently, aiming to offer more inclusive and innovative financial products. The platform primarily targets individuals in Mexico who need short-term financial assistance and prefer a digital, hassle-free loan application process.

AI-driven Anti-Money Laundering (AML) compliance software designed to help organizations detect and prevent financial crimes. It offers solutions such as AML Screening, Transaction Monitoring, Transaction Screening, and Adverse Media Screening, differentiating itself with comprehensive and real-time monitoring capabilities. The primary users of this software are financial institutions and businesses that need to comply with AML regulations and ensure the integrity of their financial transactions.

Software company founded in 2018 that offers an all-in-one platform for COI (Certificate of Insurance) tracking, collaboration, and automation. It is designed to increase accountability and trust with partners by streamlining risk and compliance management, differentiating itself with its comprehensive approach to managing insurance certificates. The platform primarily benefits businesses and organizations that need to manage and verify insurance compliance efficiently.

Platform that connects startup employees with investors to provide funding for exercising employee stock options. This service allows employees to secure the necessary capital to take ownership of their shares, thereby benefiting from their stock options without financial strain. Equitybee primarily targets startup employees who need financial assistance to exercise their stock options and investors looking to invest in promising startups.

Process used in data security to replace sensitive data elements with non-sensitive equivalents, referred to as tokens. These tokens can be used in place of the original data in various systems and processes, reducing the risk of data breaches and unauthorized access. Data tokenization is commonly used in industries that handle sensitive information, such as finance, healthcare, and retail, to comply with data protection regulations like PCI DSS and GDPR.

Financial planning and analysis solution designed for accounting firms and small to medium-sized businesses (SMBs). The software offers tools for forecasting, budgeting, and modeling, differentiating itself with its all-in-one approach that integrates various financial functions into a single platform. Jirav primarily targets accounting professionals and SMBs seeking comprehensive financial management and planning capabilities.

Tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans. OppFi differentiates itself by leveraging technology to provide accessible and transparent financial products, aiming to serve consumers who are often underserved by traditional financial institutions. The primary target demographic for OppFi includes everyday Americans seeking alternative credit solutions and financial inclusion.

Social media platform specifically designed for cryptocurrency enthusiasts, allowing users to connect, engage, and share information related to cryptocurrencies. It differentiates itself by integrating a social-infused NFT marketplace, providing new use cases for NFTs within the platform, and offering various tools and features tailored to the needs of crypto users. Torum primarily targets cryptocurrency enthusiasts and communities looking for a dedicated space to interact and grow.