Finance Trends

Credential stuffing is a type of cyberattack where attackers use automated tools to try large numbers of username and password combinations, often obtained from previous data breaches, to gain unauthorized access to user accounts on various online services. This attack exploits the tendency of individuals to reuse the same credentials across multiple sites, making it easier for attackers to gain access to multiple accounts. Credential stuffing primarily targets online services and platforms, posing significant risks to both individual users and organizations by compromising sensitive information and causing financial losses.

Online gambling platforms that use blockchain technology to offer a fair and transparent gaming experience. They utilize cryptocurrencies, such as Bitcoin, for transactions, which helps to avoid the slow and fee-laden traditional banking methods. This innovation in the online gambling industry aims to provide a more efficient and secure way for users to gamble online.

Veteran-owned real estate tech company based in Austin, Texas, operating as a mortgage lender. UpEquity aims to create more equal access to homeownership through innovative programs like the UpEquity Trade Up program, which helps homeowners buy a new home before selling their current one by removing home sale contingencies and unlocking equity. The company primarily serves prospective homebuyers and current homeowners looking to navigate the real estate market more effectively.

Gift card fundraising platform that enables users to raise money through everyday shopping. RaiseRight differentiates itself by offering a wide variety of gift cards from popular retailers, making it easy for organizations and individuals to earn funds without additional spending. The platform is primarily targeted at schools, non-profits, and community groups looking for a convenient and effective fundraising solution.

Company specializing in developing advanced technology for Fintech solutions, with a decade of operational experience. Biznext aims to enhance financial inclusion in India by improving financial connectivity in tier II and III cities, addressing the gap in financial services accessibility. The primary beneficiaries of Biznext's solutions are residents and businesses in underserved regions seeking better financial integration and services.

The Monarch app is a comprehensive financial optimization platform designed to assist users in managing their finances effectively. It provides features such as budgeting, expense tracking, financial goal setting, and investment tracking, all within a user-friendly interface available on both web and mobile platforms. The app primarily targets individuals and families looking to achieve their financial goals through detailed financial planning and insights.

Financial technology company founded in 2015 that focuses on easing the stress of paying for everyday expenses. The company offers technology that approves the majority of applicants, providing them with more flexible options on how and when to pay, differentiating itself by its high approval rates and user-friendly payment solutions. Sunbit primarily targets consumers looking for manageable payment plans for their everyday purchases.

Lending platform that connects borrowers with financial institutions, lending businesses, and individual investors. Lenme allows users to borrow money or invest in loans while maintaining complete anonymity throughout the process, providing access to thousands of borrowers and over 2,000 data points to help investors make informed decisions. The platform is primarily targeted at individuals and businesses seeking to either obtain loans or invest in lending opportunities with a high level of data-driven insight.

Company that builds spend management software for global enterprises, focusing on transforming spend management processes. Yokoy's AI-powered suite offers comprehensive solutions to help midsize companies and large enterprises save money while managing their expenditures efficiently. The primary target demographic includes midsize companies and large enterprises seeking to optimize their spend management through advanced technology.

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.

Earned wage access platform that allows employees to access their earned wages on-demand. The service is provided at no cost to the employer and integrates with hundreds of systems, offering a user-friendly interface for easy access. Tapcheck primarily benefits employees who need flexible access to their wages before the traditional payday.

Singapore-based payment method that allows customers to make payments using their preferred app from participating banks and non-bank financial institutions. PayNow enables users to complete transactions by scanning a QR code displayed during checkout, providing a seamless and efficient payment experience. This service is particularly beneficial for consumers and businesses in Singapore seeking a convenient and secure way to handle digital payments.

Innovative payment method that allows customers to buy products from online and in-store retailers and pay in three equal monthly installments. It differentiates itself by offering immediate product receipt with no additional charges if installments are paid on time, providing a flexible and interest-free payment option. Scalapay primarily targets consumers looking for convenient and budget-friendly payment solutions for their purchases.

Organization that empowers young female migrants in Myanmar by providing financial education and entrepreneurship opportunities. ONOW uses a data-driven and tech-enabled approach to deliver its programs, aiming to enhance financial literacy and entrepreneurial skills among its participants. The primary beneficiaries of ONOW's initiatives are young female migrants in Myanmar seeking to improve their economic prospects and financial independence.

OCR software designed for financial documents, known for its high accuracy and ease of use. DocuClipper differentiates itself by automatically converting PDF bank statements into Excel, CSV, and QBO formats without requiring manual parsing templates, making it highly efficient for financial data processing. The software is particularly beneficial for financial professionals seeking to streamline document conversion and data extraction tasks.

Financial wellness solution designed to provide employees with access to low-cost loans through their employers. Kashable differentiates itself by offering socially responsible lending options that aim to improve financial stability and reduce financial stress for employees. The service is primarily targeted at employees seeking affordable and accessible financial assistance to manage personal expenses and improve their overall financial health.

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.

​ZayZoon is a financial technology company specializing in earned wage access (EWA) and employee financial wellness solutions. Founded in 2014, ZayZoon offers employees the ability to access their earned wages before traditional payday schedules, aiming to reduce financial stress and improve overall financial well-being. This service is particularly beneficial for small and medium-sized businesses seeking to enhance employee satisfaction, productivity, and retention by offering flexible pay options and financial education resources.

A loan agency located in Upper Lake, California, offering a secure and hassle-free online installment loan process. Uprova differentiates itself by providing quick fund deposits upon approval, making it a trusted and preferred online lender. The service primarily targets individuals seeking fast and reliable online loan solutions.

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.

Archaic term that refers to an earned reward or wage, or a fitting return or recompense. The term 'meeded' was historically used to describe compensation or recognition given for services rendered or achievements accomplished. It primarily applied to contexts where individuals received tangible or intangible rewards for their efforts or contributions.

Multi-currency mobile wallet that comes with a prepaid Mastercard, enabling users to shop both online and offline worldwide. It offers competitive exchange rates and eliminates foreign transaction fees, making it a cost-effective solution for international spending. YouTrip is particularly beneficial for travelers and individuals who frequently make international purchases.

Healthcare company founded in 2017 by brothers Todd and Ed Park, focusing on improving the health and well-being of older Americans. It partners with local doctors and hospitals to provide reliable access to trusted healthcare providers, primarily offering Medicare Advantage plans. The target demographic is older Americans seeking personalized care and support through enhanced healthcare experiences.

Mutual insurance company providing financial services to cooperatives, credit unions, their members, and other customers worldwide. TruStage offers a range of commercial and consumer insurance and protection products, differentiating itself through its focus on cooperative and credit union markets. The company's services are primarily targeted at credit unions, their members, and other cooperative entities seeking comprehensive insurance and financial solutions.

Paymenow is a South African fintech platform offering Earned Wage Access (EWA) and financial wellness tools to employees through employer partnerships. It differentiates itself by providing early access to earned wages without interest, integrating financial education, savings features, and wellness support, all at no cost to employers. Paymenow primarily serves low- to middle-income workers in Africa, aiming to reduce reliance on high-interest loans and improve financial stability

Market intelligence platform that leverages AI to extract insights from a wide range of public and private content. It differentiates itself by enabling business professionals to make critical decisions with greater confidence and speed through advanced data analysis and search capabilities. The primary users of AlphaSense are business professionals, including analysts, researchers, and executives, who require timely and accurate market insights.

Cryptocurrency created as a hard fork of Bitcoin in October 2017. It aims to decentralize mining by using the Equihash proof-of-work algorithm, which is ASIC-resistant, allowing mining with standard GPUs. Bitcoin Gold is targeted at individual miners and those who support decentralized and democratic digital currencies.

A prepaid Visa card designed for children to use safely online or in-store, integrated with a mobile app for financial management. It offers features such as parental control, spending limits, and financial education, allowing parents to monitor and manage their child's spending while teaching kids about money management. The Spriggy card is targeted at parents who want to provide their children with a secure and educational tool for handling money.

​Moniepoint is a Nigerian fintech company that offers an all-in-one financial ecosystem, providing businesses and individuals with services such as payments, banking, credit, and business management tools. Founded in 2015 by Tosin Eniolorunda and Felix Ike, Moniepoint has become Nigeria's largest merchant acquirer, processing over $17 billion monthly and powering most of the country's Point of Sale (POS) transactions. The company primarily serves small and medium-sized enterprises (SMEs) and individual consumers in Nigeria and aims to expand its reach across Africa.

Digital platform designed to streamline the management of invoices and payments, serving as an intermediary between business owners and their accountants. Billtobox offers features such as automated invoice processing, secure payment handling, and real-time financial insights, which differentiate it from traditional manual accounting methods. The platform is primarily targeted at small to medium-sized businesses and accounting professionals seeking to enhance efficiency and accuracy in financial operations.