Finance Trends

Metric that represents the level of inclusion felt by individuals within an organization or a specific group. It allows for the comparison of inclusion levels across different groups and helps track changes in inclusion over time, providing valuable insights for improving diversity and inclusion initiatives. The Inclusion score is particularly useful for HR professionals, diversity officers, and organizational leaders aiming to foster a more inclusive workplace environment.

A financial services company that leverages advanced technology to facilitate capital raising and investor connections. Texture Capital differentiates itself by being registered with the SEC as a broker, ensuring regulatory compliance and offering unique investment opportunities. The primary target demographic includes companies seeking to raise capital and investors looking for distinctive investment options.

A legal entity that develops, registers, and sells securities to finance its operations. Issuers can be corporations, investment trusts, or domestic or foreign governments, and they make available securities such as equity shares, bonds, and warrants. The primary beneficiaries of issuers are investors seeking to purchase securities for investment purposes.

​Yassir is an Algerian-based super app that offers a range of on-demand services, including ride-hailing, food and grocery delivery, and digital payments. Founded in 2017, it has expanded its operations to 45 cities across Algeria, Morocco, Tunisia, Senegal, South Africa, France, and Canada, serving over 8 million users. Yassir primarily caters to individuals in these regions seeking convenient access to transportation, delivery services, and financial transactions through a single platform

Fraudulent schemes involving digital currencies to deceive individuals and steal their money. These scams can take various forms, such as phishing, Ponzi schemes, fake ICOs, pump and dump schemes, ransomware, impersonation scams, and fake exchanges, each designed to exploit the trust and lack of knowledge of potential victims. Cryptocurrency scams primarily target individuals and investors who are new to the cryptocurrency market or lack sufficient knowledge about secure practices in digital currency transactions.

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.

Software company specializing in financial technology development, providing trading technology for brokerages. OneZero Financial Systems offers multi-asset class execution, connectivity, distribution, and data insights, differentiating itself by enabling brokerages to compete in the foreign exchange, commodities, cryptocurrency, and futures markets. The primary target demographic includes brokerages and financial institutions seeking advanced trading technology solutions.

A stock market index that measures the performance of 500 large companies listed on U.S. stock exchanges. It is widely regarded as a key indicator of the overall health of the U.S. stock market and includes companies from various sectors, with a market-capitalization-weighted structure that gives more influence to companies with larger market caps. The S&P 500 is primarily used by investors, financial analysts, and economists to gauge market trends and make informed investment decisions.

Investment adviser registered with the Securities and Exchange Commission (SEC) that provides investment management services. Titan is known for its innovative approach to managing portfolios, utilizing technology and data-driven strategies to optimize investment outcomes. The services are primarily targeted at individual investors seeking professional management of their investment portfolios.

Concept utilized in various fields such as finance, healthcare, cybersecurity, and project management to identify, assess, and prioritize risks. This method ensures that resources are allocated efficiently to mitigate the most significant risks, thereby focusing on critical areas that could impact organizational objectives and operations. It is particularly beneficial for organizations aiming to make informed decisions and protect against potential threats.

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.

Swedish fintech company that provides online payment solutions for consumers and merchants. Known for its 'buy now, pay later' service, Klarna allows consumers to make purchases and pay for them later, either in installments or in full after a set period, differentiating itself with flexible payment options. Klarna primarily targets online shoppers and e-commerce businesses seeking convenient and flexible payment methods.

Unethical or illegal practice where a broker or trader executes orders on a security for their own account while taking advantage of advance knowledge of pending orders from their customers. This practice can occur in various contexts, including the stock market, cryptocurrency, and high-frequency trading, and is considered harmful to market integrity and client interests. Front running primarily affects retail investors and clients who rely on brokers and traders to act in their best interest.

Investment research firm providing stock indexes, portfolio risk and performance analytics, and governance tools. MSCI differentiates itself by offering comprehensive and globally recognized indexes and analytics that help institutional investors and hedge funds make informed investment decisions. The primary users of MSCI's services are institutional investors, hedge funds, and asset managers seeking reliable data and insights for their investment strategies.

Global People Platform that simplifies and streamlines every aspect of managing an international workforce, including culture, onboarding, local payroll, and compliance. It differentiates itself by offering a comprehensive solution that integrates various HR functions into a single platform, ensuring compliance with local laws and regulations across different countries. Deel is particularly beneficial for companies with a global presence looking to efficiently manage their international employees and contractors.

Homomorphic encryption is a form of encryption that allows computations to be performed on ciphertext, producing an encrypted result that, when decrypted, matches the result of operations performed on the plaintext. This encryption method is particularly valuable for privacy-preserving data processing and secure cloud computing, as it enables data to be processed without exposing it to the processing entity. It is especially beneficial for industries requiring secure data analysis, such as finance, healthcare, and government sectors.

Required Minimum Distributions (RMD) are mandatory withdrawals that individuals must take from their retirement accounts, such as IRAs and 401(k)s, once they reach a certain age, typically 72. These distributions are required to ensure that individuals do not defer taxes indefinitely on their retirement savings. RMDs primarily affect retirees and individuals with significant retirement savings, ensuring compliance with tax regulations.

Subset of machine learning in artificial intelligence (AI) that utilizes networks capable of learning from unstructured or unlabeled data. Deep learning is instrumental in technologies such as driverless cars, voice control in consumer devices, and various other applications requiring complex pattern recognition. It primarily benefits industries and researchers focused on advanced AI applications and data-driven decision-making.

Corporate office located in Mumbai, India, specializing in disruptive payments and EMI technology. Benow promotes a 'deviceless' payment acceptance facility at retail outlets, differentiating itself by enabling seamless transactions without the need for physical devices. The platform primarily targets retail businesses and merchants seeking innovative payment solutions.

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 type of bank account designed for individuals to deposit money, keep it secure, and earn interest on the balance. Savings accounts offer interest earnings, liquidity, and safety, often insured by government agencies, with some accounts requiring a minimum balance to avoid fees. They are ideal for individuals looking to set aside money for future needs or emergencies rather than for daily transactions.

Graphical representation of information and data using visual elements like charts, graphs, and maps. Data visualization tools make complex data more understandable and usable by highlighting trends, outliers, and patterns. It is particularly beneficial for analysts, business professionals, and researchers who need to interpret large datasets efficiently.

Digital analytics involves the collection, measurement, analysis, and reporting of data from digital platforms such as websites, mobile apps, and social media. It aims to understand user behavior, optimize digital experiences, and drive business decisions by using tools like Google Analytics and Adobe Analytics. This field is essential for businesses looking to improve user engagement, enhance digital strategies, and measure the success of their online initiatives.

Mobile payment system in Portugal that serves as a digital wallet, enabling users to make purchases, transfer money, and withdraw cash using their mobile phones. MB WAY differentiates itself by allowing users to register their mobile number with an MB Card and authorize payments through validation messages or QR codes, providing a secure and convenient payment method. The service is primarily targeted at Portuguese consumers seeking a versatile and user-friendly mobile payment solution.

Graphical representation of information and data using visual elements like charts, graphs, and maps. Data visualization tools make complex data more understandable, accessible, and usable by highlighting trends, outliers, and patterns. It is particularly beneficial for analysts, business professionals, and researchers who need to interpret large datasets and make data-driven decisions.

Investment strategy that seeks to generate both financial return and social/environmental good. This approach considers both the financial performance of investments and their impact on society and the environment, employing strategies such as negative screening, positive screening, impact investing, and shareholder advocacy. Social investing primarily appeals to investors who wish to align their portfolios with their personal values and contribute to positive societal change.

Automated Clearing House (ACH) is an electronic network used for processing financial transactions in the United States. It facilitates various types of transactions, including direct deposits, payroll, and vendor payments, by processing them in batches, which typically take a few days to clear. ACH is primarily used by businesses, financial institutions, and government agencies for efficient and secure transaction processing.

Decentralized cryptocurrency exchange that facilitates peer-to-peer trading of Bitcoin and other cryptocurrencies. It operates without a central authority, ensuring security, privacy, and censorship resistance by not requiring personal information from users. Bisq is particularly favored by individuals who prioritize privacy and security in their cryptocurrency transactions.

Specific, teachable abilities or knowledge sets that are often job-specific and can be measured or tested. Examples include proficiency in a foreign language, computer programming, data analysis, and operating machinery, typically acquired through education, training programs, certifications, and on-the-job experience. Hard skills are essential for individuals seeking to demonstrate their technical expertise and qualifications in a particular field.

Automated FinOps platform designed to help customers reduce their AWS costs by up to 50% on auto-pilot. Nops differentiates itself by providing real-time insights and automated recommendations for cost optimization, ensuring efficient cloud resource management without manual intervention. The platform is primarily targeted at businesses and organizations using AWS services that seek to optimize their cloud expenditure and improve financial efficiency.