Krealo

Aviva is an innovative digital bank focused on providing financial services to underbanked communities in Latin America, particularly targeting Mexico's population of over 40 million individuals. By leveraging artificial intelligence and video technology, Aviva aims to bridge the gap for those living in remote areas through physical onboarding kiosks. These nano-branches facilitate a seamless onboarding process, allowing customers to complete a documentless, three-minute video application for credit. Aviva’s unique approach includes using natural language processing to analyze spoken responses and assess emotional cues, which enhances its ability to evaluate thin-file customers. By employing these advanced risk models, Aviva is committed to offering unsecured credit products at competitive interest rates, thereby supporting the financial inclusion of underserved individuals and nano-businesses.

Shinkansen is a financial services provider based in Santiago, Region Metropolitana, that specializes in facilitating the automatic movement of money for fintechs and startups. The company's platform empowers businesses to transfer funds efficiently to consumers, suppliers, and banks, significantly enhancing operational speed and efficiency. By automating treasury functions, Shinkansen reduces the costs associated with money transfers, allowing companies to simplify their financial operations. Through its innovative approach, Shinkansen aims to enable businesses to move money seamlessly at the pace of the internet, thereby supporting their growth and scalability in a competitive market.

Kambia is a financial services provider that focuses on addressing the immediate financing needs of micro-entrepreneurs and small businesses. The company offers microcredit options through a user-friendly platform that operates via WhatsApp, allowing for easy access to financial assistance. Kambia facilitates loans that can be repaid in daily installments, enabling clients to utilize their inventory as collateral. This approach helps small businesses achieve their financial goals by providing the necessary support to manage cash flow and expand their operations.

Finerio Connect is a personal finance platform based in Mexico that offers automated services to help users manage their finances effectively. The platform allows individuals to link their debit and credit accounts from major banks in Mexico, providing insights into financial planning and savings. Finerio's features include monitoring and tracking expenses, viewing comprehensive financial information, and analyzing consumption patterns, enabling users to gain better control over their spending. Additionally, the company provides tools that facilitate data analysis and financial management, with a focus on helping users create custom budgets and improve their overall financial health.

Finerio Connect is a personal finance platform based in Mexico that offers automated services to help users manage their finances effectively. The platform allows individuals to link their debit and credit accounts from major banks in Mexico, providing insights into financial planning and savings. Finerio's features include monitoring and tracking expenses, viewing comprehensive financial information, and analyzing consumption patterns, enabling users to gain better control over their spending. Additionally, the company provides tools that facilitate data analysis and financial management, with a focus on helping users create custom budgets and improve their overall financial health.

Plurall is an innovative financial services provider based in Colombia, focused on enhancing financial inclusion for over 8 million entrepreneurs who have been excluded from traditional banking systems. Recognized as the most entrepreneurial country globally, Colombia has a significant portion of its workforce engaged in self-employment. Plurall aims to address the financial needs of these individuals and small to mid-sized enterprises (SMEs) by offering AI-driven financial applications, mobile banking solutions, and various lending products, including micro and commercial loans. The company leverages technology and data science to deliver essential financial services through a digital-first approach, ensuring that its customers receive tailored support. Plurall's strategic partnerships with major investors and financial institutions position it to expand its operations beyond Colombia and into the broader Latin American market.

Sommos is involved in digitizing informal collaborative savings associations through a SaaS for banks and retailers. We have created a white label that offer end users financial and commercial benefits.

Monokera is a company that specializes in digital insurance solutions, catering to both short-term and general life segments, which include coverage for homes, vehicles, trips, and cellphones. The company has developed an open insurance platform that integrates seamlessly with core insurance systems, facilitating insurers in connecting with digital channels. This platform enables the offering of embedded insurance products, addressing the demand for modernized processes and enhanced customer experiences in the insurance market. By bridging the gap between traditional legacy systems and contemporary digital needs, Monokera positions itself as a forward-thinking player in the insurance industry.

Tenpo is a financial services company that offers a comprehensive suite of digital banking solutions, including prepaid cards and digital accounts. It enables users to conduct online money transfers between banks, facilitate payments among contacts, manage bill payments, and recharge mobile accounts. Additionally, Tenpo provides opportunities for users to invest their savings, creating a versatile ecosystem that caters to various financial needs. Through its services, Tenpo aims to enhance the financial management capabilities of its users by providing a range of convenient and accessible options.

Tyba is a fintech platform that offers financial solutions and investment services.

Wally POS is a software development company that creates electronic billing and point-of-sale systems.

Culqi is a Peruvian fintech company specializing in secure online payment processing. Founded in 2016, Culqi enables businesses and developers to integrate customizable payment solutions into websites and mobile applications across Latin America. Its platform facilitates card transactions, empowering merchants with tools to enhance business outcomes and expand their reach by accepting both in-store and online payments securely.

Aviva is an innovative digital bank focused on providing financial services to underbanked communities in Latin America, particularly targeting Mexico's population of over 40 million individuals. By leveraging artificial intelligence and video technology, Aviva aims to bridge the gap for those living in remote areas through physical onboarding kiosks. These nano-branches facilitate a seamless onboarding process, allowing customers to complete a documentless, three-minute video application for credit. Aviva’s unique approach includes using natural language processing to analyze spoken responses and assess emotional cues, which enhances its ability to evaluate thin-file customers. By employing these advanced risk models, Aviva is committed to offering unsecured credit products at competitive interest rates, thereby supporting the financial inclusion of underserved individuals and nano-businesses.