Finance Trends

Concept that involves treating data with the same level of importance and rigor as a product offered to customers. This approach emphasizes clear ownership, user-centric design, high quality, discoverability, interoperability, lifecycle management, and security of data, ensuring it is useful, reliable, and compliant. The concept primarily benefits organizations and businesses aiming to leverage data for strategic decision-making and operational efficiency.

Online crowdfunding service that allows individual investors to invest in startup companies. It leverages a provision in the 2012 JOBS Act, which permits unaccredited investors to purchase equity in early-stage private companies, differentiating it from platforms like Kickstarter or Indiegogo where backers typically receive products or perks instead of equity. Wefunder primarily targets individual investors interested in gaining equity in startups and early-stage companies.

Remote workers who travel frequently, known as digital nomads, must navigate complex tax obligations that vary by country. For American citizens, this includes filing a US Federal Tax Return on worldwide income due to the citizenship-based taxation system, regardless of their physical location. Digital nomad taxes primarily concern individuals who work remotely across borders and need to comply with both home and host country tax regulations.

Taxation for individuals who work remotely while traveling involves understanding various factors such as tax residency, double taxation agreements, and local tax laws. These elements are crucial in determining the tax obligations and compliance requirements for digital nomads, ensuring they meet legal standards in multiple jurisdictions. The primary demographic affected by these tax considerations includes remote workers and freelancers who frequently change locations across international borders.

Investment strategy that incorporates environmental, social, and governance factors into investment decisions and active ownership. ESG investing aims to align investment portfolios with ethical values while potentially improving long-term returns by considering factors that may impact a company's financial performance, such as energy use, waste management, employee relations, and corporate governance. This approach is particularly appealing to socially conscious investors who seek to support sustainable and ethical business practices.

Platform curated by Benjamin Cowen, offering strategies for navigating the cryptocurrency market. It provides techniques like dollar-cost averaging and features cryptocurrency-themed merchandise, distinguishing itself with high-quality content and a substantial YouTube following. The platform primarily targets cryptocurrency enthusiasts and investors seeking informed strategies and market insights.

Financial institution based in London, England, specializing in white-label ETFs (Exchange-Traded Funds) and ETCs (Exchange-Traded Commodities). HANetf differentiates itself by offering a wide range of investment strategies that capitalize on emerging themes and investment trends. The primary target demographic includes institutional investors and financial advisors seeking innovative and thematic investment solutions.

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.

A minimalist wallet is a compact and efficient accessory designed to carry essential items such as credit cards, identification, and a small amount of cash. These wallets often feature RFID blocking technology to protect against electronic theft and are made from durable materials like metal or high-quality leather, distinguishing them from traditional bulkier wallets. Minimalist wallets are particularly popular among individuals who prefer a sleek, practical design and wish to reduce the bulk in their pockets or bags.

London-based end-to-end Payment Services Provider that enables businesses to move, manage, and optimize money through a range of payment processing services. Checkout.com differentiates itself by offering a comprehensive suite of financial solutions and has notable customers such as Netflix, Pizza Hut, and Coinbase, contributing to its high valuation of $40 billion as of 2022. The primary target demographic includes large enterprises and digital businesses seeking efficient and scalable payment solutions.

Shrinkflation refers to the practice of reducing the size or quantity of a product while maintaining its price, often as a response to rising production costs. This tactic allows manufacturers to manage costs without directly increasing prices, which might deter consumers, by making the reduction in product size less noticeable. Shrinkflation is commonly observed in industries such as food and beverages, household goods, and personal care products, affecting consumers who may not immediately notice the change in product quantity.

Financial services company based in Austin, Texas, specializing in Bitcoin-related services. Unchained Capital offers collaborative custody multisignature vaults and loans, providing expert guidance and integrated Bitcoin wallet management and wealth services. The company's services are primarily targeted at Bitcoin investors and holders seeking secure storage and financial solutions for their digital assets.

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.

Money management application that integrates with users' existing bank accounts to provide financial tools and services. Plum Fintech offers features such as spending categories, bill reminders, automated deposits, competitive savings 'pockets,' and an investing platform, differentiating itself with its comprehensive suite of financial management tools. The app is targeted at individuals seeking to better manage their finances, save money, and invest efficiently.

Global financial portal providing news, analysis, streaming quotes, charts, technical data, and financial tools related to global financial markets. It operates multiple editions in various languages and offers mobile apps for both Android and iOS, distinguishing itself with comprehensive coverage and accessibility. The platform primarily targets investors, traders, and financial professionals seeking up-to-date market information and analytical tools.

Payment method that uses a wearable ring equipped with contactless payment technology. The ring functions similarly to a debit card, utilizing advanced security features provided by MasterCard to protect against fraudulent purchases, and does not display any visible debit card numbers, enhancing its security. This payment method is particularly beneficial for tech-savvy individuals seeking a convenient and secure way to make transactions without carrying traditional cards.

Fintech as a Service (FaaS) involves third-party companies providing financial technology solutions to other businesses, allowing them to integrate financial services into their own offerings. These services can include payment processing, lending, insurance, and wealth management, providing businesses with the tools to enhance their financial capabilities without developing the technology in-house. FaaS primarily benefits businesses looking to offer advanced financial services to their customers without the need for significant investment in technology development.

A service or platform that consolidates financial information from various sources into a single, unified view, helping users manage their finances more effectively. Key features include account aggregation, expense tracking, budgeting tools, investment monitoring, and financial insights, which differentiate it from traditional financial management tools. Financial aggregators are primarily targeted at individuals and businesses seeking a comprehensive overview of their financial health and improved financial decision-making.

Decentralized virtual private network (VPN) that operates on the Sentinel Network, offering an open-source and community-driven alternative to traditional VPNs. Sentinel dVPN enhances security by leveraging a community of skilled individuals to identify and address vulnerabilities, differentiating it from centralized VPN services. It is particularly beneficial for users who prioritize privacy, security, and transparency in their internet usage.

Company specializing in building, launching, and developing production-grade Large Language Model (LLM) and Natural Language Processing (NLP) solutions. It differentiates itself by providing efficient labeling of various forms of text, documents, and audio, allowing users to build and launch enterprise-ready LLM applications quickly. Datasaur primarily targets businesses and organizations seeking advanced NLP solutions for efficient data labeling and rapid deployment of LLM applications.

Insurance company focused on making car insurance accessible to a wide range of customers. Hugo Insurance differentiates itself by offering budget-friendly options for full coverage and emphasizing quick and easy access to proof of insurance. The target demographic includes individuals seeking affordable and convenient car insurance solutions.

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.

Online insurance platform that allows users to compare, choose, and purchase various insurance policies, including motor and health insurance. It differentiates itself by offering a comprehensive range of life and general insurance policies, aiming to provide a 360-degree view of insurance and financial products for informed decision-making. The platform primarily targets individuals seeking a convenient and efficient way to manage their insurance needs online.

Crypto-native risk monitoring firm headquartered in New York City, specializing in DeFi and crypto trade surveillance, as well as anti-money laundering (AML) software. Their products are designed to detect token scams, onboarding fraud, and other types of fraudulent activities in the cryptocurrency space, differentiating them through their focus on comprehensive risk management solutions. Solidus Labs primarily serves cryptocurrency exchanges, financial institutions, and regulatory bodies seeking to enhance security and compliance in the digital asset market.

Restaking in cryptocurrency involves using staked assets as cryptoeconomic security for additional protocols beyond the original staking platform. This process allows users to earn extra protocol fees and rewards by leveraging their staked assets. It primarily benefits cryptocurrency investors and users looking to maximize their returns through additional staking opportunities.

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.

Platform that allows users to query, visualize, and share blockchain data. It enables users to write SQL queries to extract data from the blockchain and create dashboards for visualizing the results, making it particularly useful for analyzing data from Ethereum and other blockchain networks. The platform is widely used by developers, analysts, and researchers in the blockchain space to gain insights into various blockchain activities.

The term refers to the use of technology innovations designed to improve efficiency and reduce costs in the insurance industry. Insurtech encompasses a wide range of technologies, including artificial intelligence, big data, blockchain, and IoT, to enhance underwriting, claims processing, and customer experience. It primarily targets insurance companies and consumers seeking more personalized, efficient, and user-friendly insurance solutions.

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.

Cryptocurrency exchange platform that provides a spot trading service for a diverse array of cryptocurrencies. Bitget supports over 600 crypto tokens and nearly 700 trading pairs, including major cryptocurrencies like USDT, USDC, BTC, ETH, and its own token, BGB, distinguishing itself with a wide selection of trading options. The platform primarily targets cryptocurrency traders and investors looking for a comprehensive and versatile trading environment.