Finance Trends

Digital payment platform designed to help small businesses manage their supplier payments efficiently. It differentiates itself by offering a user-friendly interface and seamless integration with accounting software, enabling businesses to streamline their payment processes and improve cash flow management. The primary target demographic for Melio includes small business owners and financial managers seeking to simplify and automate their accounts payable operations.

An app-based platform that offers a range of financial services including money management, fund transfers, online payments, and fee payments. YPAY differentiates itself by providing a user-friendly interface that simplifies financial transactions, making it easier for users to handle their finances efficiently. The platform primarily targets individuals seeking a convenient and efficient way to manage their financial transactions through a mobile application.

A data visualization technique that shows the magnitude of a phenomenon as color in two dimensions. The variation in color may be by hue or intensity, providing an immediate visual summary of information, making it easier to interpret complex data sets. Heat maps are commonly used in fields such as business analytics, biology, and web analytics to represent data in a more understandable and visually appealing way.

OneFamily is a UK-based financial services provider that operates as a mutual society, meaning it is owned by its members rather than shareholders. The organization offers a variety of financial products including Child Trust Funds, ISAs, Lifetime ISAs, Junior ISAs, Tax-Exempt Savings Plans, and Over 50s Life Cover, differentiating itself through its member-owned structure. OneFamily primarily serves individuals and families looking for savings and investment products, particularly those interested in mutual society benefits.

Set of criteria used to evaluate a company's performance in environmental, social, and governance areas, focusing on sustainability and ethical impact. ESG criteria help socially conscious investors screen potential investments and encourage companies to report on their ESG performance to attract these investors. The primary audience for ESG criteria includes socially responsible investors and companies aiming to improve their sustainability and ethical practices.

Metaverse payments refer to digital transactions conducted within virtual environments, such as the Metaverse. These payments are designed to be fast and convenient, enabling users to make transactions without concerns about varying currencies, time zones, or physical forms of money. Metaverse payments primarily benefit users engaged in virtual worlds, online gaming, and digital commerce, providing a seamless and efficient transaction experience.

A hardware authentication device manufactured by Yubico that provides secure access to computers, networks, and online services. It supports various authentication protocols, including one-time passwords (OTP), public key infrastructure (PKI), and FIDO Universal 2nd Factor (U2F) and FIDO2, enhancing security by requiring physical possession of the device in addition to a password. YubiKey is primarily targeted at individuals and organizations seeking robust two-factor authentication solutions to protect sensitive information and online accounts.

A person or entity that has a legal right or interest in another's property due to a loan or financial obligation. This right, known as a lien, allows the lienholder to take possession of the property if the borrower defaults on the loan. Lienholders can be banks, financial institutions, or individuals, and they have specific rights and responsibilities related to the lien.

UK-based next-generation integrated global payment ecosystem that enables consumers and businesses to pay and send money online in any currency. Paysend differentiates itself by offering a seamless and cost-effective way to transfer money internationally, aiming to simplify global transactions. The service is primarily targeted at individuals and businesses looking for efficient and affordable international payment solutions.

Unified Payments Interface (UPI) is a real-time payment system developed by the National Payments Corporation of India (NPCI) that facilitates inter-bank transactions. It allows users to link multiple bank accounts to a single mobile application, enabling seamless fund routing, merchant payments, and peer-to-peer collect requests. UPI is primarily targeted at individuals and businesses in India seeking a convenient and secure method for instant money transfers and payments.

Financial advisory company that provides digital investment, retirement, and cash management services. It offers a high-yield cash account with no fees, up to $2 million in FDIC insurance through its program banks, and unlimited withdrawals, differentiating itself by offering a comprehensive suite of financial tools and services. Betterment primarily targets individuals seeking efficient and automated financial management solutions for their savings and investments.

Interactive process where program participants, community residents, and service providers review data presentations in small groups. They collectively interpret the data and use their expertise to discuss and develop strategies for improving policies, programs, and other factors influencing community change. This approach ensures diverse perspectives are considered in decision-making.

Online platform offering services like shopping, mobile phone recharges, bill payments, FASTag management, and AEPS (Aadhaar Enabled Payment System) services. Forpay differentiates itself by providing a comprehensive solution for various financial and transactional needs, streamlining multiple services into a single platform. The platform primarily targets individuals seeking a convenient and unified approach to managing their financial transactions and daily necessities.

Canadian dollar store retail chain headquartered in Montreal, Quebec. It offers a wide range of products including household items, food, health and beauty products, and seasonal merchandise, with most items priced at $4 or less, distinguishing itself by providing affordable options for everyday needs. The store primarily targets budget-conscious shoppers looking for cost-effective solutions.

Decentralized VPN service provided by the Sentinel Network, offering secure and private internet access. It utilizes blockchain technology to ensure privacy and security, with the $DVPN coin serving as the native cryptocurrency for governance, payments, and incentives. This service is targeted at individuals and organizations seeking enhanced online privacy and security through decentralized solutions.

Real estate investment and management firm headquartered in Singapore, operating in over 40 countries. The company manages a diverse portfolio, including six listed real estate investment trusts and business trusts, and approximately 30 private vehicles, distinguishing itself through its extensive global reach and diversified asset base. CapitaLand primarily serves investors, property owners, and businesses seeking real estate investment opportunities and property management services.

A Bitcoin ATM is a kiosk that allows individuals to purchase Bitcoin and other cryptocurrencies using cash or a debit card. Some Bitcoin ATMs also offer bidirectional functionality, enabling users to both buy and sell Bitcoin for cash, providing a convenient and accessible way to engage in cryptocurrency transactions. This service is particularly beneficial for individuals who prefer to use cash for their cryptocurrency transactions or those who seek a quick and easy method to buy or sell Bitcoin without the need for an online exchange.

​Interswitch is a technology-driven company focused on the digitization of payments in Nigeria and other African countries. Founded in 2002, it has evolved into an integrated payment services provider, offering products like Quickteller, a consumer payment platform, and Verve, a domestic card scheme. Interswitch primarily serves individuals, businesses, and governments seeking seamless electronic payment solutions across Africa

Cryptocurrency issued by the Binance exchange, one of the largest cryptocurrency exchanges globally. Initially launched as an ERC-20 token on the Ethereum blockchain, it later migrated to Binance's own blockchain, Binance Chain, and is primarily used to pay for transaction fees on the Binance exchange, offering users discounts. Binance Coin is targeted at cryptocurrency traders and users within the Binance ecosystem, as well as those participating in decentralized applications on the Binance Smart Chain.

BIMA is a provider of mobile-delivered insurance and health services in emerging markets. It offers simple and affordable life, accident, and health insurance services, making insurance accessible to underserved populations. BIMA primarily targets individuals in emerging markets who lack access to traditional insurance services.

Publicly listed company that provides consumer credit and payment solutions, operating in multiple countries including Australia, New Zealand, the United Kingdom, and the United States. Openpay Group Limited differentiates itself by offering flexible, interest-free payment plans that allow consumers to manage their finances more effectively. The company's services are primarily targeted at consumers seeking alternative payment options and businesses looking to offer flexible payment solutions to their customers.

Software company based in New York that offers modern account opening solutions for banks and credit unions. It focuses on an omnichannel approach to streamline the origination of retail and commercial accounts, differentiating itself with its user-friendly interface and integration capabilities. MANTL primarily serves financial institutions looking to enhance their account opening processes and improve customer experience.

Financial technology company that provides online money transfer services, formerly known as TransferWise. Founded in 2011 by Taavet Hinrikus and Kristo Käärmann, it offers a cheaper and more transparent way to send money internationally compared to traditional banks by using the real exchange rate and charging a low, upfront fee. Wise is popular among individuals and businesses needing to transfer money across borders.

A solemn promise or commitment, often used in various contexts such as the Pledge of Allegiance in the United States, which is a vow of loyalty to the nation. The term can also refer to a brand of cleaning products known for its furniture polish and surface cleaners, providing effective cleaning solutions for households. The target demographic varies depending on the context, ranging from citizens participating in national pledges to consumers seeking reliable cleaning products.

Credit reporting agency based in Las Vegas, Nevada, founded in 2004, providing specialty credit reporting and alternative data services. DataX differentiates itself by offering alternative data solutions that help lenders assess creditworthiness beyond traditional credit scores, thereby expanding access to credit for underserved populations. The primary beneficiaries of DataX's services are financial institutions and lenders seeking comprehensive credit assessments and individuals with limited or no traditional credit history.

Financial technology company that provides a payment card and mobile app to aggregate multiple payment cards into one. It allows users to make payments and withdrawals from a single card and offers a feature to switch the bank card used for a transaction after it is completed, differentiating it from traditional payment methods. Curve primarily targets tech-savvy consumers and frequent travelers who seek convenience and flexibility in managing their finances.

Measure of social value and progress, defined as one point of self-reported life satisfaction measured on a 0-to-10 Likert scale for one individual for one year. This unit of measurement can be used to derive more specific measures of national, international, and intergenerational value, providing a standardized way to assess well-being across different populations and time periods. Wellby is particularly useful for policymakers, researchers, and organizations focused on improving societal well-being and quality of life.

AI lending platform that collaborates with banks and credit unions to offer consumer loans by utilizing non-traditional variables to assess creditworthiness. Upstart differentiates itself by leveraging artificial intelligence and machine learning to provide more accurate and inclusive credit assessments, potentially offering better loan terms for consumers. The platform primarily targets individuals seeking personal loans who may not have a traditional credit history, as well as financial institutions looking to enhance their lending processes.

Cryptocurrency trading platform that has been operating for five years and has gained the trust of half a million members. The platform offers a user-friendly trading interface, access to free signal providers, and a variety of educational materials to help traders, while not taking custody of users' funds. It is primarily targeted at cryptocurrency traders seeking a reliable and educational trading environment with effective customer service support.

Large lizards belonging to the genus Tupinambis in the family Teiidae, primarily found in South America. Tegus are popular in the pet trade due to their manageable size and relatively docile nature, with notable species like the Argentine black and white tegu growing up to 4 feet long. These lizards are often sought after by reptile enthusiasts and pet owners looking for an exotic and interactive pet.