Finance Trends

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.

Economic theory that focuses on the role of government spending and taxation in managing the economy. Modern Monetary Theory (MMT) suggests that governments can use fiscal policy, including taxation and spending, to achieve full employment and control inflation, arguing that a sovereign government with its own currency can never run out of money in the same way a household or business can. MMT primarily appeals to policymakers, economists, and academics interested in alternative approaches to traditional economic theories and fiscal policy management.

Financial services company providing credit solutions, including the Fortiva® Mastercard® Credit Card, aimed at individuals with less than perfect credit. Leveraging decades of financial experience, Fortiva offers accessible credit options to help customers rebuild or establish their credit profiles. The primary target demographic includes individuals with subprime credit scores seeking to improve their financial standing.

Process used by financial institutions and other regulated entities to detect and prevent money laundering activities. It involves the analysis of financial transactions to identify suspicious activities that may indicate money laundering or other financial crimes, often utilizing software and algorithms to track and analyze transaction patterns. This monitoring is essential for compliance with AML regulations and is primarily targeted at financial institutions and regulatory bodies to ensure the integrity of the financial system.

A series of data processing steps where data is ingested from various sources, processed, and then stored or used for analysis. The steps typically include data collection, data cleaning, data transformation, and data storage, ensuring that data flows smoothly from its source to its destination. Data pipelines are essential for enabling real-time analytics, machine learning, and other data-driven applications, benefiting data engineers, analysts, and businesses seeking to leverage data for decision-making.

Global payout platform under the PayPal group, offering a range of services to facilitate mass payments. It supports multiple payout methods, ensures compliance and security, and provides easy integration options, making it a versatile solution for businesses needing efficient payment distribution. Hyperwallet primarily serves industries requiring mass payment solutions, such as gig economy platforms, marketplaces, and financial services.

Coupa Software is a technology platform specializing in Business Spend Management. It offers an AI-driven cloud-based platform designed to manage various business needs, including procurement, supply chain, and finance, differentiating itself with comprehensive, integrated solutions that enhance operational efficiency. The platform primarily targets enterprises and organizations seeking to optimize their spend management processes and improve financial performance.

Autopay is a feature offered by many service providers, including utilities, credit card companies, and subscription services, that allows customers to set up automatic payments for their bills. This feature ensures that the amount due is automatically deducted from the customer's bank account or charged to their credit card on a specified date, usually the bill's due date, providing convenience and reducing the risk of late payments. Autopay is particularly beneficial for individuals who prefer a hands-off approach to managing their recurring bills and want to avoid late fees and maintain a good credit score.

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.

Reinforcement learning (RL) is a type of machine learning where an agent learns to make decisions by performing actions in an environment to maximize cumulative rewards. It involves key concepts such as agents, environments, states, actions, rewards, policies, value functions, and algorithms like Q-Learning, which help the agent improve its decision-making over time. RL is particularly beneficial for applications requiring adaptive decision-making, such as robotics, game playing, and autonomous systems.

Software used in the finance and legal industries to help companies comply with legal requirements to prevent or report money laundering activities. It allows companies to prevent, detect, investigate, and report suspicious activities indicative of money laundering, terrorist financing, and fraud, thereby minimizing risks and ensuring regulatory compliance. This software is essential for financial institutions, legal firms, and other organizations that need to adhere to stringent anti-money laundering regulations.

A Home Equity Line of Credit (HELOC) is a type of loan that allows homeowners to borrow against the equity in their home. It provides a revolving line of credit that can be drawn from as needed, typically featuring lower interest rates due to being secured by the home. HELOCs are commonly used for home improvements, debt consolidation, or other major expenses, and are targeted at homeowners with sufficient equity and good credit scores.

Investment platform that offers a mobile application for online trading. The platform provides services such as account management, fractional shares, and access to global stocks, differentiating itself with a user-friendly interface and commission-free trading. Freetrade primarily targets individual investors and traders looking for an accessible and cost-effective way to manage their investments.

Data governance refers to the overall management of the availability, usability, integrity, and security of the data employed in an enterprise. It involves a set of processes, policies, standards, and metrics that ensure the effective and efficient use of information in enabling an organization to achieve its goals. Data governance is essential for organizations that rely on data for decision-making, regulatory compliance, and operational efficiency.

Insurance company offering a range of insurance products including health, life, travel, car, pet, and gadget insurance. It differentiates itself by providing tailored insurance solutions and leveraging technology to enhance customer experience and streamline the insurance process. The company primarily serves customers in the United Kingdom, Sweden, and the United States, targeting individuals seeking comprehensive and customized insurance coverage.

Online casino platform in South Africa offering a variety of popular Evolution Games. It provides games such as Blackjack, Roulette, and Dream Catcher, differentiating itself with a wide range of live dealer options. The platform primarily targets South African gamblers looking for an extensive selection of online casino games.

A tool that assists traders and investors in filtering and identifying optimal options (puts and calls) for stocks, ETFs, and index instruments. It provides various criteria to match different trading strategies, helping users make informed decisions based on their specific needs and preferences. The primary users of an option screener are traders and investors looking to optimize their options trading strategies.

Financial management app that consolidates all user accounts into a single platform, providing a comprehensive view of projected spending and balances. Simplifi offers features such as automatic and customizable reports on spending, income, net income, and savings, along with timely alerts for unusual transactions, upcoming bills, and spending limits. The app is designed for individuals seeking to manage their finances more effectively by tracking their financial progress month to month.

An insurance broker that operates as a one-stop platform for consumers to compare insurance options from top carriers. It offers a variety of insurance products, including life, renters, long-term disability, and pet insurance, and provides online insurance checkup services to help customers assess their insurance needs. Policygenius primarily serves customers in the United States, aiming to simplify the insurance purchasing process and help consumers make informed decisions.

A company that specializes in micro-betting and fantasy sports, providing a platform for pick 'em-style fantasy sports and live micro-betting on sporting events. Betr differentiates itself by focusing on real-time betting opportunities and engaging users with dynamic sports betting experiences. The platform primarily targets sports enthusiasts and bettors looking for interactive and immediate betting options during live sporting events.

Data wrangling, also known as data munging, is the process of cleaning, transforming, and organizing raw data into a format suitable for analysis. This process involves steps such as data collection, cleaning, transformation, integration, enrichment, and validation to ensure data accuracy and consistency. Data wrangling is essential for data analysts and scientists who require reliable and well-structured data for insightful analysis.

Indian fintech company specializing in travel and financial innovations through a fully digital platform. It offers services that simplify and enhance travel and financial management, providing a seamless experience via mobile devices. Niyo primarily targets tech-savvy travelers and individuals seeking efficient financial solutions.

The world's first digital asset bank, operating in Switzerland and Singapore, specializing in digital assets. It provides services to institutional and private qualified investors, corporates, banks, and other financial institutions, enabling them to invest in the digital asset economy with complete trust. Sygnum primarily targets institutional and private qualified investors seeking secure and regulated access to digital asset investments.

Know Your Customer (KYC) is a process used by businesses, particularly financial institutions, to verify the identity of their clients. This process aims to prevent fraud, money laundering, and other illegal activities by collecting and verifying personal information such as name, address, date of birth, and identification documents. KYC procedures are essential for maintaining the integrity of financial systems and ensuring regulatory compliance, primarily benefiting financial institutions and their customers.

An electronic device, online service, or software program that facilitates electronic transactions. It securely stores payment information and passwords for various payment methods and websites, enabling users to complete purchases quickly and easily. eWallets are particularly beneficial for individuals seeking convenience and efficiency in managing their financial transactions through smartphones or other connected devices.

The nation's largest Black-owned bank and the first Black-owned digital bank. OneUnited Bank differentiates itself by offering AI-driven insights and a strong focus on community development, earning recognition as an award-winning Community Development Financial Institution (CDFI). It primarily serves individuals and communities seeking financial empowerment and development, particularly in Boston, Los Angeles, and Miami.

Financial services company that provides secured and unsecured personal loans, as well as secured savings loans. Goeasy also offers merchandise leasing transaction services through online and mobile e-commerce-enabled platforms, differentiating itself with a broad range of financial solutions accessible via digital channels. The company's services are primarily targeted at consumers in Canada and the United States who are seeking flexible loan options and leasing services.

The concept of data privacy pertains to the management and protection of personal information by organizations and individuals. It involves ensuring that data is collected, processed, and shared in compliance with legal regulations and with the consent of the data subjects, thereby safeguarding against unauthorized access and breaches. Data privacy is crucial for individuals and organizations that handle sensitive information, aiming to maintain trust and meet regulatory requirements.

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.

Financial institutions that operate primarily or exclusively online without traditional physical branch networks. They offer a range of banking services such as checking and savings accounts, loans, and payment services through digital platforms like mobile apps and websites, often leveraging technology to provide a more user-friendly and efficient banking experience. Digital banks are particularly appealing to tech-savvy individuals and those seeking lower fees and higher interest rates on deposits compared to traditional banks.