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Finance Trends
Emerging trends in banking, money and finance.
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5 years
finance
Coinjoin
2.9K
Volume
+15%
Growth
CoinJoin is a method for combining multiple Bitcoin payments from multiple spenders into a single transaction, making it more difficult for outside parties to determine which spender paid which recipient. This technique enhances the privacy and anonymity of Bitcoin transactions by obscuring the trail of ownership. CoinJoin is particularly beneficial for individuals and entities seeking to protect their financial privacy in the cryptocurrency space.
regular
Income inequity
110
Volume
+15%
Growth
Income inequality refers to the extent to which income is distributed unevenly among a population. It is a significant economic issue that can affect social stability, economic growth, and the overall well-being of a society. Policymakers, economists, and social scientists are particularly concerned with income inequality due to its implications for social mobility and economic development.
regular
Current Bank
14.8K
Volume
+15%
Growth
New York City-based neobank that operates primarily through its mobile app, offering online banking services. It differentiates itself from traditional brick-and-mortar banks by providing a seamless digital banking experience through partnerships with Choice Financial Group and Cross River Bank. Current Bank primarily targets tech-savvy individuals seeking convenient and modern banking solutions.
regular
Branch Insurance
6.6K
Volume
+14%
Growth
Insurance agency based in Columbus, Ohio, offering home and auto coverage with a focus on simplicity and community benefit. Branch Insurance differentiates itself by providing a quick purchasing process through their website, aiming to make insurance more accessible and straightforward for consumers. The target demographic includes homeowners and vehicle owners seeking efficient and community-oriented insurance solutions.
regular
Avalara
74K
Volume
+13%
Growth
A company specializing in digital sales tax compliance solutions, founded in 2004 by Scott McFarlane. It offers a range of compliance automation software, including tax calculation, document management, and compliance reporting, distinguishing itself through its extensive partnerships with accountants, technology partners, value-added resellers, and system integrators. Avalara primarily serves businesses seeking efficient and accurate tax compliance solutions on a global scale.
regular
Regulatory affairs
27.1K
Volume
+13%
Growth
Field that deals with the regulatory requirements and guidelines governing the development, manufacturing, and marketing of products, particularly in industries such as pharmaceuticals, medical devices, biotechnology, and food. Professionals in this field ensure compliance with all relevant regulations and laws, preparing and submitting necessary documentation to regulatory agencies, and acting as liaisons between companies and regulatory bodies. Regulatory affairs primarily benefit companies in highly regulated industries, ensuring their products are safe, effective, and legally compliant.
exploding
Accredited investor
22.2K
Volume
+13%
Growth
An accredited investor is an individual or entity permitted to invest in unregistered securities due to their financial sophistication. These investors meet specific income, net worth, or professional certification criteria, which reduces their need for regulatory protection. Accredited investors typically include high-net-worth individuals, banks, insurance companies, and large employee benefit plans.
regular
Wagmo
3.6K
Volume
+13%
Growth
Company that alleviates the financial stress of routine and emergency pet care, covering services from grooming and essential maintenance to cancer treatments and emergencies. Founded in 2017 by Christie Horvath and Ali Foxworth, it differentiates itself by offering comprehensive pet care plans that combine wellness and insurance coverage. Wagmo primarily targets pet owners seeking affordable and extensive care options for their pets.
regular
Monzo
301K
Volume
+12%
Growth
Digital bank offering a variety of financial services such as personal savings and business current accounts, loans, debit and credit cards, and overdraft facilities. Monzo differentiates itself with its user-friendly mobile app, real-time spending notifications, and budgeting tools, providing a seamless banking experience. The bank primarily targets tech-savvy individuals and small businesses looking for convenient and innovative banking solutions.
regular
Multi-family office
3.6K
Volume
+12%
Growth
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.
regular
Quantitative Risk Assessment
2.4K
Volume
+12%
Growth
Systematic approach used to evaluate and quantify risks associated with a particular process, activity, or system. It involves hazard identification, frequency analysis, consequence analysis, risk estimation, and risk evaluation to provide a numerical estimate of risk for informed decision-making and risk management. Quantitative Risk Assessment is primarily utilized by industries and organizations that require detailed risk analysis for safety, regulatory compliance, and strategic planning.
regular
Masa finance
480
Volume
+10%
Growth
Company specializing in intelligent growth and analytics solutions within the web3 domain. Masa Finance offers services that help businesses acquire, retain, and verify users, along with providing analytics and attribution tools to understand user behaviors both on- and off-chain. The primary target demographic includes businesses operating in the web3 space seeking to optimize user engagement and data-driven decision-making.
peaked
HDFC Bank
4.09M
Volume
+10%
Growth
One of India's leading private sector banks, established in January 1995, offering a wide range of banking and financial services. Known for its customer focus, product leadership, sustainability, and people-oriented banking services, it differentiates itself through a comprehensive suite of retail banking, wholesale banking, and treasury operations. The bank primarily serves individual customers, businesses, and corporations seeking reliable and innovative financial solutions.
regular
Employee savings plan
170
Volume
+10%
Growth
A savings plan offered by employers that allows employees to save money over many years through paycheck deductions. These plans are typically used for various financial goals, such as retirement, and often include employer contributions or matching funds to enhance the savings potential. Employee savings plans are primarily targeted at employees seeking to build long-term financial security and prepare for future financial needs.
regular
Privacy.com
14.8K
Volume
+9%
Growth
Service that allows users to make secure online payments using randomly-generated virtual card numbers instead of their real debit or credit card numbers. It helps protect against credit and debit card fraud by enabling users to create virtual cards for specific merchants, set spending limits, and pause or close a card at any time for added security. This service is particularly beneficial for individuals who prioritize privacy and security in their online transactions.
regular
Fundable
6.6K
Volume
+9%
Growth
Software-as-a-service crowdfunding platform dedicated to helping companies raise capital. Fundable differentiates itself by providing a comprehensive suite of tools and resources to facilitate the fundraising process, including investor outreach and campaign management. The platform primarily targets startups and small to medium-sized enterprises seeking to secure funding from a broad base of investors.
regular
RebatesMe
9.9K
Volume
+9%
Growth
An online shopping platform based in Portland, Oregon, that offers cashback, coupon codes, and exclusive deals. RebatesMe differentiates itself by providing high cashback rates and has returned over $30 million to more than 350,000 users. The platform primarily targets online shoppers looking to save money through cashback and discounts.
peaked
Data smoothing
10
Volume
+9%
Growth
Statistical technique used to remove noise from a data set, allowing important patterns to stand out. It involves creating a smooth curve that approximates the data points, with common methods including moving averages, exponential smoothing, and LOESS (Locally Estimated Scatterplot Smoothing). Data smoothing is particularly useful for analysts and researchers who need to identify trends and patterns in noisy data sets.
regular
Balancer
22.2K
Volume
+9%
Growth
DeFi protocol on the Ethereum blockchain that functions as an automated market maker and decentralized exchange. It allows for customizable liquidity pool ratios and has recently launched Balancer V2 to improve capital efficiency and reduce gas costs, differentiating itself through its flexibility and cost-effectiveness. Balancer primarily targets DeFi users and liquidity providers looking for efficient and customizable trading solutions.
regular
Performance indicator
8.1K
Volume
+8%
Growth
Measurable values used to gauge how effectively an organization is achieving its key business objectives. They can be financial, customer-related, process-oriented, or people-focused, and are designed to be specific, measurable, achievable, relevant, and time-bound. KPIs are used across various industries to monitor performance, identify improvement areas, and support decision-making.
regular
Tandem bank
22.2K
Volume
+8%
Growth
A digital bank based in the United Kingdom, founded in 2013, offering a range of financial products and services, including savings accounts, mortgages, and credit cards. It aims to provide a user-friendly banking experience through its mobile app, which allows customers to manage their finances on the go, and focuses on helping customers save money and make better financial decisions through features like automatic savings and spending insights. Tandem Bank primarily targets tech-savvy individuals looking for convenient and efficient banking solutions.
peaked
Friendly fraud
3.6K
Volume
+7%
Growth
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.
regular
Rocket Dollar
1.3K
Volume
+7%
Growth
Rocket Dollar Inc. is a financial services company based in Austin, Texas, specializing in Self-Directed IRAs and Solo 401(k)s. These products enable individuals to diversify their retirement savings by investing in various asset classes such as real property, venture capital, and private equity, offering greater control and flexibility compared to traditional retirement accounts. Rocket Dollar primarily targets investors seeking to expand their retirement portfolios beyond conventional investment options.
regular
Decentralized autonomous organization
2.4K
Volume
+7%
Growth
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.
peaked
Electronic identification
880
Volume
+7%
Growth
Digital solution for proof of identity, allowing individuals to authenticate themselves online and access services securely. It is used for various purposes, including accessing government services, signing documents digitally, and conducting secure online transactions, often implemented by governments using technologies like smart cards, mobile applications, or biometric data. eID systems benefit citizens and organizations requiring secure and efficient identity verification for online interactions.
regular
Moneytech
3.6K
Volume
+7%
Growth
Financial services provider offering working capital solutions to business customers. The company specializes in Trade Finance and Debtor Finance, helping businesses manage cash flow and fund growth. Moneytech Group Limited primarily serves small to medium-sized enterprises seeking financial support to optimize their operations and expand their business activities.
regular
Amber group
6.6K
Volume
+6%
Growth
Global digital finance leader founded in 2015, offering innovative solutions in wealth management, asset management, and liquidity provision. The company operates under the name Amber Global Limited and has a subsidiary called Sparrow Holdings Pte. Ltd., distinguishing itself through its comprehensive financial services and technological advancements. Amber Group primarily targets institutional investors, high-net-worth individuals, and businesses seeking advanced financial solutions and digital asset management.
peaked
Embedded investment
10
Volume
+6%
Growth
Embedded investment refers to the integration of investment opportunities within non-investment products or services. This allows customers to invest in assets without going through a separate investment process, enhancing convenience and accessibility. The primary beneficiaries of embedded investment are consumers who seek seamless and automated ways to grow their wealth through everyday financial activities.
regular
Alternative financing
1K
Volume
+6%
Growth
Financial channels, processes, and instruments that have emerged outside the traditional financial system, such as banks and stock markets. These methods are often used by individuals and businesses that may not have access to conventional financing options, offering more flexible terms and quicker access to funds. Alternative financing is particularly beneficial for startups, small businesses, and individuals in need of immediate capital or those who are underserved by traditional financial institutions.
regular
Environmental, social and corporate governance
9.9K
Volume
+4%
Growth
A framework used to evaluate the sustainability and societal impact of an investment in a company or business. It encompasses three main criteria: environmental, social, and governance, which collectively help assess a company's long-term financial performance and risk management. This framework is particularly valuable for socially conscious investors seeking to make responsible investment decisions.
regular
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