Sturgeon Capital

Oasis provide loans to small businesses and individual entrepreneurs.

Cargon is a logistics company that provides a digital freight forwarding solution designed to connect shippers with carriers through intelligent matching algorithms. The company's platform facilitates an online freight forwarding service, allowing shippers to reliably transport loads while offering real-time tracking capabilities. By streamlining the logistics process, Cargon enhances the efficiency of shipping operations for its users.

Zypl.ai leverages generative artificial intelligence to enhance financial inclusion in emerging and frontier markets. Its software-as-a-service (SaaS) solution allows banks and microfinance institutions to underwrite loans accurately and instantly, even for individuals with limited or no credit history. By utilizing synthetically generated data and simulating extreme market conditions, zypl.ai's approach ensures stability and adaptability in volatile environments. The platform assesses various factors, including social and demographic information, device metadata, psychometrics, and macroeconomic indicators, to inform credit decisions. Customized AI models align with the risk appetite of each enterprise partner, and integration options are flexible, accommodating both cloud and on-premise deployments. Zypl.ai prioritizes compliance with regulatory standards by employing explainable AI models that provide transparency in decision-making. Since launching its beta, the company has secured ten enterprise clients across Central Asia, underwriting over $9 million in loans with a remarkably low portfolio-at-risk rate. With plans to expand into new markets in MENA, Southeast Asia, and Eastern Europe, zypl.ai is positioned for significant growth in the fintech sector.

Depozit is a financial technology platform that provides microloans and offers financial advisory services.

Trukkr is Pakistan's first and largest online logistics platform, established in 2019 to modernize the trucking industry. The platform connects shippers with transporters, streamlining the booking process for commercial cargo. Shippers can easily enter cargo details, choose vehicle types, and manage pick-up and drop-off logistics while enjoying transparency in pricing and shipment tracking. Trukkr also benefits transporters by providing them with access to numerous job opportunities at their convenience. By facilitating efficient road haulage, Trukkr aims to enhance the logistics experience for individuals, households, small to medium enterprises, and corporations across Pakistan, ensuring that shippers find the right truck at the right time.

Shikho is an innovative educational platform based in Bangladesh, focused on democratizing access to high-quality education for young learners. The platform offers a hyper-localized approach, allowing students to learn at their own pace with content that is accessible anytime and anywhere. Shikho provides live classes from expert tutors, alongside original animated video lessons tailored to individual testing performance. By incorporating gamification elements, students can earn points and badges as they progress through their syllabus, enhancing engagement and motivation. This transformative approach aims to bridge the gap between traditional educational methods and the demands of a modern, digital-first world, ultimately equipping the country's youth with essential skills for success in a rapidly evolving global economy.

FINJA, founded by veterans of the tech and banking industry, is a new entity in the payments space of Pakistan. The top management of the company has over 40 man years of deep experience of delivering pioneering digital banking projects in Pakistan and other emerging markets.

GoZayaan Limited is an online travel agency based in Dhaka, Bangladesh, founded in 2017. The company aims to simplify travel for customers in emerging markets by offering a comprehensive platform for booking both local and international flights, as well as hotel accommodations. GoZayaan provides a user-friendly experience that includes payment options for local currency cards and mobile financial services, addressing the unique needs of Bangladeshi travelers who are unable to access global platforms like Expedia. By leveraging technology, GoZayaan seeks to transform the travel industry in Bangladesh and enhance the overall travel experience for its users.

MedznMore is a digital healthcare innovator that focuses on enhancing access to healthcare through technology. Operating as an online pharmacy, it allows customers to order both over-the-counter and prescription medications from the convenience of their homes. The platform is designed to address issues related to counterfeit medicine and ensures that users can obtain their required medications in a cost-efficient manner. By integrating technology and innovation, MedznMore aims to make quality healthcare more effortless and reliable for its users.

BILLZ is a retail management platform aimed at small and medium-sized businesses, particularly in developing countries where many retailers still rely on outdated systems. The platform provides a comprehensive suite of tools, including point-of-sale (POS) systems, inventory management, customer relationship management (CRM), and analytics. It also supports e-commerce functionalities, allowing retailers to manage both online and offline sales effectively. By automating various store management activities, BILLZ helps store owners streamline operations, save time, and enhance customer engagement, thereby enabling them to thrive in an increasingly digital marketplace.

Abhi is a financial wellness platform based in Pakistan that offers employees the ability to access salary advances based on their accrued wages. Founded in 2021, the platform allows users to withdraw a portion of their earned income directly into their bank accounts, addressing immediate financial needs without hidden fees. In addition to salary advances, Abhi provides services such as invoice factoring and payroll processing, aimed at facilitating timely payments for employees. This solution not only supports individual financial health but also helps employers streamline processes within their HR and finance departments, ultimately improving overall workplace efficiency.

Datacultr operates as a platform-as-a-service (PaaS) focused on enhancing risk management for consumer lending firms, particularly for customers who are new to credit. By enabling lenders to accept smartphones as collateral for unsecured loans, Datacultr significantly mitigates the risk associated with these transactions. The platform not only facilitates consumer engagement and debt collection but also aims to improve financial inclusion for individuals underserved by traditional financial services. By providing this innovative solution, Datacultr helps institutional lenders lower delinquency rates and promote timely payments, thereby bridging the accessibility gap for credit-impaired customers.

FOM Group is a developer of a comprehensive suite of products aimed at digitalizing the pharmaceutical market. The company provides solutions that automate various internal processes within pharmacies, including inventory management, sales transactions, and marketplace interactions between pharmacies and distributors. Additionally, FOM Group offers a drug search feature and an analytical Big Data platform tailored for manufacturers and distributors, facilitating consumers in locating medications at competitive prices. By streamlining operations and enhancing accessibility, FOM Group plays a crucial role in improving efficiency and transparency in the pharmaceutical sector.

ZoodPay is a Buy Now Pay Later payment solution offering interest-free installments in the untapped countries of MENA & Central Asia.

PeopleForce is a rapidly growing provider of online human resource software designed to streamline HR and recruitment processes for medium-sized businesses. The platform offers a comprehensive suite of features, including applicant tracking, staff onboarding, leave tracking, electronic signatures, HR reporting, performance management, and an employee directory. These tools facilitate efficient employee recruitment, enhance onboarding experiences, and ensure effective leave management. PeopleForce aims to simplify HR tasks and improve internal communication for human resource professionals, ultimately contributing to better employee retention and performance. The company focuses on delivering reliable software solutions tailored to meet the unique needs of its clients, making HR services more convenient and effective.

PAYZE is a technology-driven payment gateway that simplifies the onboarding process for online merchants and enhances the capabilities of online marketplaces. By offering a flexible API, PAYZE allows these marketplaces to establish various payment split schemes, eliminating the need for repeated adjustments or concerns about tax compliance. Their platform supports multiple payment methods, including split payments, email payments, recurring payments, and QR payments, which facilitates faster and more secure transactions for both customers and merchants. This streamlined approach enables businesses to scale their operations without the complexities of managing settlements and accounting across different stakeholders.

NowPay, Inc. is a fintech company based in Cairo, Egypt, that aims to enhance the financial wellness of corporate employees. Established in 2018, it offers an online platform that enables employees to manage personal finances, including budgeting, spending, and borrowing. Through its mobile application, users can access detailed information about their salaries, account balances, and potential loan amounts. NowPay collaborates with employers to provide employees with the option to receive advance salary payments at any time during the month, allowing for repayment over multiple months without additional liabilities. This service not only aids employees in times of financial need but also helps corporations improve employee satisfaction, productivity, and loyalty.

TASS Vision is an artificial intelligence company that specializes in enhancing retail operations through advanced in-store analytics. Its system includes a video surveillance component that detects and tracks visitor behavior, providing detailed insights into customer traffic patterns and identifying the most frequented areas within stores. Additionally, TASS Vision offers tools for monitoring staff attendance, which aids in optimizing internal processes. By leveraging this data, retailers can improve customer experiences, streamline operations, and ultimately increase revenue by 20%. The company's solutions are designed for large retail chains, enabling them to make informed decisions that drive sales and profitability.

Smart Satu Global offers financial technology solutions for wholesalers, distributors, and retailers.

Brantu AB is a fashion technology company based in Stockholm, Sweden, established in 2016. It operates a digital marketplace focused on women's fashion, offering a range of products including shoes, clothing, and accessories. Brantu aims to create a seamless shopping experience by digitizing the fashion supply chain, connecting brands, retailers, and manufacturers, particularly in developing markets. The company's services encompass business development for e-commerce platforms, providing strategic planning, payment solutions, and logistics support for consumers and retail stores. By prioritizing a mobile-first approach, Brantu enhances user engagement with appealing content, swift delivery, and free returns, facilitating the entry of local and global fashion brands into various markets.

Farel, Inc. is a San Francisco-based company founded in 2020 that specializes in developing airline reservation software aimed at enhancing operational efficiency for regional airlines. The company's platform serves as an operating system that manages key functions such as inventory distribution, reservations, departure control, and advanced retailing. It also includes a customer-facing website and mobile application, all designed to facilitate the automation of resource-intensive back-office processes. Farel's subscription-based model allows airlines to adopt the technology at a manageable pace, significantly reducing costs while maximizing revenue opportunities through improved ancillary and e-commerce solutions.

Finmedia develops a digital media platform to promote digital content and mobile financial services for international partner companies.

BILLZ is a retail management platform aimed at small and medium-sized businesses, particularly in developing countries where many retailers still rely on outdated systems. The platform provides a comprehensive suite of tools, including point-of-sale (POS) systems, inventory management, customer relationship management (CRM), and analytics. It also supports e-commerce functionalities, allowing retailers to manage both online and offline sales effectively. By automating various store management activities, BILLZ helps store owners streamline operations, save time, and enhance customer engagement, thereby enabling them to thrive in an increasingly digital marketplace.

Arzon Apteka offers software solutions for pharmaceutical sector that allows users to search for medicine throughout the country.

OrientSwiss SA, based in Lausanne, Switzerland, operates an online marketplace that integrates business-to-business and business-to-consumer trading, focusing on e-commerce and inbound travel. Founded in 2015, the company is managed by a team of professionals skilled in e-commerce and fintech, aiming to provide high-quality services to both merchants and consumers in the rapidly growing mobile markets of the Middle East and Central Asia. OrientSwiss has developed a unique ecosystem that includes ZoodPay’s "Buy Now, Pay Later" service, the ZoodMall marketplace, and the logistics platform ZoodShip. This innovative framework enables merchants from various regions, such as the Middle East, Central Asia, China, Europe, Russia, and Turkey, to establish online storefronts and access new markets without incurring additional setup costs or fees, thereby enhancing their market reach and operational efficiency.