Finance Trends

A home equity loan is a type of loan where the borrower uses the equity of their home as collateral. This loan provides a lump sum amount based on the property's value, typically featuring fixed interest rates and a repayment period ranging from 5 to 30 years. Home equity loans are commonly used by homeowners for purposes such as home improvements, debt consolidation, or major expenses.

Insurtech company specializing in embedded protection, aiming to protect customers of the world's largest digital companies. Cover Genius differentiates itself by integrating insurance solutions seamlessly into the platforms of its partners, providing a streamlined and accessible insurance experience for end-users. The company's services are primarily targeted at digital companies and their customers who seek convenient and integrated insurance solutions.

The ability to understand and effectively use various financial skills, including personal financial management, budgeting, and investing. Financial literacy involves knowledge of financial principles and concepts such as financial planning, compound interest, debt management, and the time value of money, which are essential for making informed financial decisions. This skill set is particularly beneficial for individuals seeking to improve their financial stability and achieve long-term financial goals.

Insurance provider offering affordable life, disability, and supplemental insurance for businesses, families, and individuals. USAble Life differentiates itself by providing a range of products including accident, critical illness, and hospital insurance, aimed at comprehensive coverage and financial protection. The target demographic includes businesses seeking employee benefits, as well as families and individuals looking for affordable insurance solutions.

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.

Company that owns and develops real estate properties and holds interests in three main business areas: Real Estate, Steel Services, and Industrial Holdings. Onvest differentiates itself by managing a diverse portfolio that spans across multiple industries, providing stability and growth opportunities through its varied investments. The company primarily targets investors and businesses looking for reliable real estate and industrial investment opportunities.

Criminal activities that involve the unlawful conversion of property ownership for personal use and benefit. Financial crimes can undermine the integrity of financial systems globally and pose risks to the security of individuals and institutions. These crimes are particularly concerning for regulatory bodies, financial institutions, and law enforcement agencies focused on maintaining economic stability and public trust.

Company that provides AI-powered decision-making solutions for the global insurance industry. Shift Technology's products help insurers optimize and automate critical decisions throughout the policy lifecycle, thereby improving combined ratios and operational efficiency. The primary beneficiaries of Shift Technology's solutions are leading insurance companies seeking to enhance their decision-making processes and overall performance.

Company that provides medical insurance for pets, primarily dogs and cats. Founded in 2000, it offers comprehensive pet insurance plans covering various medical expenses, including surgeries, hospital stays, medications, and diagnostic tests, aiming to help pet owners manage high veterinary costs. Trupanion's services are targeted at pet owners seeking financial assistance for their pets' medical care.

​Moove is a global mobility fintech company that provides revenue-based vehicle financing and financial services to mobility entrepreneurs. Founded in 2020, Moove utilizes alternative credit scoring technology to offer vehicle ownership opportunities to drivers in ride-hailing, logistics, mass transit, and delivery services, operating in cities across Africa, the Middle East, Europe, and Asia. The company primarily serves individuals in the mobility industry who have limited or no access to traditional vehicle financing

A type of savings account that typically offers higher interest rates compared to regular savings accounts. Money Market Accounts often come with check-writing privileges and debit card access, providing more flexibility. They are particularly beneficial for individuals seeking higher returns on their savings while maintaining some liquidity.

Optional type of automobile insurance that covers medical expenses for the policyholder and their passengers in the event of an accident, regardless of who is at fault. It can cover a range of expenses, including hospital visits, surgery, X-rays, and more, providing immediate payment for medical costs. Medpay is particularly useful for individuals who have high deductibles or co-pays on their health insurance.

A personal finance challenge where an individual commits to not making any non-essential purchases for an entire year. The primary goal is to reset spending habits, save money, and become more mindful of consumption, often involving strict budgeting and tracking of essential expenditures. This challenge is particularly beneficial for individuals looking to improve financial discipline, reduce clutter, and promote sustainable living.

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.

Timepieces that are not only functional but also hold or increase in value over time, making them a good financial investment. Investment watches are often characterized by high-end brands, rarity, condition, historical significance, and quality craftsmanship, which contribute to their potential for value appreciation. These watches are primarily targeted at collectors, investors, and enthusiasts who seek both aesthetic appeal and financial returns.

Premium multi-asset online brokerage established in 2010, with headquarters in London and Melbourne, and additional hubs in the Asia-Pacific, Middle East and North Africa, Europe, and South America. ThinkMarkets offers a wide range of trading services, including forex, indices, commodities, stocks, cryptocurrencies, ETFs, and futures, and provides several trading platforms, including the proprietary ThinkTrader platform, which features over 80 intelligent indicators, 50 drawing tools, and 14 chart types. The brokerage caters to a diverse range of traders and investors, known for its comprehensive trading tools and global presence.

Sugi is an investment platform focused on sustainable, climate-friendly portfolios designed to help investors align their investments with environmental goals. It provides personalized insights into the carbon impact of various investment portfolios and offers recommendations for reducing carbon footprints through eco-conscious asset choices. Sugi is aimed at environmentally conscious individual investors seeking transparency and positive climate impact within their financial portfolios.

Digital banking infrastructure provider that focuses on enhancing the speed, accuracy, and experience of customer and business onboarding for financial institutions. Signzy differentiates itself by offering AI-driven solutions that streamline compliance, reduce fraud, and improve operational efficiency through digital mediums. The primary target demographic includes banks, financial institutions, and fintech companies seeking to modernize their onboarding processes and enhance customer experience.

Mobile application designed to assist users in understanding and improving their sleep and energy levels through data-driven insights and wearable technology. It differentiates itself by integrating with various wearable devices to provide personalized recommendations and actionable insights for better health and wellness. The app primarily targets individuals looking to enhance their sleep quality and overall energy levels through technology-driven solutions.

Impact investment provider that bridges the green energy financing gap for companies in global emerging markets. Ecoligo offers environmentally conscious investors access to sustainable investments aimed at combating the climate crisis, differentiating itself by focusing on renewable energy projects in developing regions. The primary target demographic includes environmentally conscious investors and companies in emerging markets seeking sustainable energy solutions.

Software application designed for time tracking, allowing users to clock in and out, and keeping accurate records of hours, breaks, and overtime for various work routines. Blip differentiates itself by providing a user-friendly interface and robust reporting features that help businesses manage employee time efficiently and ensure compliance with labor regulations. The primary users of Blip are businesses and organizations seeking to streamline their time management processes and improve workforce productivity.

Company that provides workers' compensation insurance directly to small businesses, aiming to simplify the process and offer cost savings. Pie Insurance differentiates itself by partnering with local, regional, and national insurance agencies to extend its coverage, claiming potential savings of up to 30% for small businesses. The primary target demographic for Pie Insurance includes small business owners seeking efficient and affordable workers' compensation insurance solutions.

Platform that acts as a Distributed Ledger Agent in securitizations to increase transparency at the loan level. It reduces the typical 55-day reporting lag to just one day, providing bond investors with ultimate transparency and allowing issuers to achieve market premiums on sales. This technology primarily benefits bond investors and issuers seeking enhanced transparency and efficiency in the lending ecosystem.

Online billing and invoicing service designed specifically for small businesses and freelancers. It allows users to easily create, send, and store invoices all in one place, offering a streamlined and efficient invoicing process. Invoice Home is particularly beneficial for small business owners and freelancers who need a simple and effective solution for managing their invoicing needs.

Revolutionary payment platform that uses real-time vehicle data to provide comprehensive oversight of all payments for businesses and fleets. It aims to eliminate the need for fuel cards, reduce fraud, improve efficiency, and streamline the reconciliation process by offering 100-percent accurate oversight for back office and administrative teams. Car IQ is particularly beneficial for businesses and fleet managers seeking to optimize payment processes and enhance operational efficiency.

Financial platform and app that enables users to trade stocks and ETFs, as well as save and invest their money passively. It differentiates itself by offering a comprehensive suite of financial services in one place, making it convenient for users to manage their investments and savings. Sarwa primarily targets individuals looking for an easy-to-use platform to handle their financial investments and savings efficiently.

Rewards app that offers users cash back on their rent payments, regardless of their location or payment method. Bridge differentiates itself by providing a unique incentive for renters, making it easier for them to save money on a recurring expense. The app primarily targets renters looking to reduce their monthly financial burden through cash-back rewards.

SMS phishing, also known as 'smishing,' is a cyber attack method where attackers use text messages to deceive individuals into revealing sensitive information or performing actions that compromise their security. These messages often mimic legitimate sources and may include links to fraudulent websites or prompts to call fake customer service numbers, aiming to steal personal data or financial information. The primary targets of SMS phishing are individuals who may not be aware of the risks associated with unsolicited text messages and lack robust cybersecurity awareness.

Financial technology company that serves as a climate investment marketplace, providing funding opportunities for renewable energy projects and climate technology ventures. Registered with the SEC and FINRA, Raise Green differentiates itself by focusing on clean energy, ESG (Environmental, Social, and Governance) investments, and local impact investing. The platform primarily targets investors interested in sustainable and socially responsible investment opportunities.

Berlin-based company providing white-label insurance solutions and leading in insurance digitalization. ELEMENT Insurance AG is licensed to operate as a direct insurer for non-life insurance across all EU countries, offering custom-made insurance products through a unique technology platform. The company's services are primarily targeted at businesses seeking innovative and customizable insurance solutions.