Sequoia Capital

Dbank is making it simple to borrow, transact and save money securely.

FPL Technologies Pvt. Ltd., founded in 2019 and headquartered in Mumbai, India, focuses on providing innovative financial solutions for a digitally savvy younger population. The company has developed a proprietary technology platform that aims to enhance the credit card experience, capitalizing on the growing demand for consumption credit in India. With the recent surge in digital payment adoption, FPL recognizes the need for a more user-friendly approach to credit management. Their flagship product, the One Score app, launched to help users check and understand their credit scores, offers a secure and straightforward way to manage credit behavior. By integrating an intuitive mobile application with their credit card services, FPL Technologies seeks to meet the evolving needs of millennials and improve their overall financial literacy and credit experience.

Leap Finance is a fintech startup focused on supporting Indian students who wish to pursue higher education abroad. The company offers a range of financial products and services, including loan options, specifically designed to facilitate international studies. By addressing the financial challenges faced by students, Leap Finance aims to make overseas education more accessible and achievable for its clientele.

Trade Republic Bank GmbH, based in Berlin, Germany, operates as a mobile-only broker that offers commission-free trading services. Established in 2015, the company aims to make investing accessible and straightforward for a new generation of traders. Its platform allows users to engage in trading across various financial instruments, including stocks, derivatives, and options, through an intuitive and fast mobile application. By focusing on a seamless user experience, Trade Republic seeks to democratize access to capital markets and empower individuals to manage their investments effectively.

Finova Capital Pvt Ltd is a non-banking financial company based in Jaipur, India, established in 2015. The company specializes in providing loans to financially excluded individuals and unorganized micro, small, and medium enterprises (MSMEs). Finova Capital focuses on offering residential and commercial mortgage loans, as well as top-up loans, to support both urban and rural populations. Its mission is to enhance the lives of underserved communities by making finance accessible at reasonable costs while ensuring transparency in its operations. By empowering micro and small businesses, Finova Capital aims to facilitate economic growth and contribute to community transformation.

Modalku is an online marketplace based in Jakarta, Indonesia, designed to connect small businesses seeking loans with lenders looking to fund these loans. By leveraging technology, Modalku offers borrowers access to financing options that may not be available through traditional channels, often at lower interest rates. Lenders participating in the platform can achieve returns that surpass those typically found in bank deposits and traditional investment products. This marketplace lending model has been successfully implemented in various countries, including the USA, UK, China, and Singapore, demonstrating its effectiveness in supporting small business growth.

Funding Societies Pte. Ltd. is a peer-to-peer financing platform based in Singapore, founded in 2015. It connects investors with small and medium-sized enterprises (SMEs) seeking funding, thereby addressing financial inclusion challenges and making credit-worthy SMEs more bankable. The platform offers a range of flexible financing options, including micro and term loans, as well as invoice financing, supported by advanced credit scoring and risk assessment models. Since its inception, Funding Societies has facilitated over 3.3 million business loans, amounting to more than S$1.8 billion in funding. The company has received multiple accolades, including the Global Excellence Award from ITU Telecom, and holds operating licenses from regulators in Singapore, Indonesia, and Malaysia, making it a pioneer in the region's peer-to-peer lending landscape.

Personetics Technologies Ltd. specializes in providing customer interaction technology tailored for the financial services sector. Founded in 2010 and headquartered in White Plains, New York, the company offers solutions such as Personetics Digital Banker, which utilizes automated intelligence to enhance customer-centric processes across various digital channels, including web and mobile. Its Personetics Anywhere platform enables financial institutions to deliver personalized assistance via messaging services like Facebook Messenger. Additionally, the Self-Driving Finance platform engages retail and business customers by offering varying levels of guidance in managing their finances. The company leverages artificial intelligence to analyze customer data and behavior, providing clients with tools and insights to create tailored marketing strategies and improve customer engagement. Personetics also maintains research and development centers in Nazareth, Israel, and has offices in Singapore and Tel Aviv.

Tonik is a developer of a digital banking application that offers a range of retail financial products. These include deposits, loans, current accounts, payments, and cards, all accessible through a secure digital platform. The company's focus is on facilitating efficient online financial transactions, enabling customers to enhance their financial liquidity. By leveraging technology, Tonik aims to streamline savings and improve the overall banking experience for its users.

Operator of a fintech company intended to provide a credit card reimagined for the mobile generation. The company allows users to control all aspects of credit cards including credit limit, instant rewards redemption, domestic and international use, online or offline transactions, contactless payments, and more, enabling customers to get a fully digital experience and allowing them to control the rewards they wish to avail.

FPL Technologies Pvt. Ltd., founded in 2019 and headquartered in Mumbai, India, focuses on providing innovative financial solutions for a digitally savvy younger population. The company has developed a proprietary technology platform that aims to enhance the credit card experience, capitalizing on the growing demand for consumption credit in India. With the recent surge in digital payment adoption, FPL recognizes the need for a more user-friendly approach to credit management. Their flagship product, the One Score app, launched to help users check and understand their credit scores, offers a secure and straightforward way to manage credit behavior. By integrating an intuitive mobile application with their credit card services, FPL Technologies seeks to meet the evolving needs of millennials and improve their overall financial literacy and credit experience.

Jupiter, operated by Amica Financial Technologies Private Limited, is a digital retail bank based in Mumbai, India, focused on providing a co-created banking experience tailored specifically for millennials. Established in 2019, Jupiter offers a range of services including automated savings, loans, debit cards, and 24/7 customer support. The platform also provides users with insights into their spending habits and financial growth, enhancing their understanding of personal finance. In addition to these banking services, Jupiter engages in various consultancy activities, including legal, accounting, and market research, positioning itself as a comprehensive financial service provider.

Razorpay Software Private Limited is an online payment gateway that facilitates businesses in accepting, processing, and disbursing payments through a comprehensive product suite. Founded in 2014 and headquartered in Bengaluru, India, Razorpay offers access to various payment methods, including credit and debit cards, net banking, UPI, and electronic wallets. In addition to its core payment processing services, Razorpay provides several innovative solutions, such as Razorpay Capital, which offers short-term, collateral-free loans for businesses; Razorpay Route, enabling the splitting and transferring of payments; Razorpay Thirdwatch, which identifies risky and fraudulent orders; PrePay CoD, sending payment links for cash-on-delivery transactions deemed risky; and Razorpay X, a solution for managing current accounts, optimizing payouts, and automating payroll compliance.

Drip Capital Inc. provides credit to small businesses to fulfill their purchase/work orders. It offers invoice factoring, export finance, post shipment finance, receivables factoring, export factoring, invoice discounting, bill discounting, and trade finance products. Drip Capital Inc. was incorporated in 2014 and is based in Palo Alto, California with an additional office in Mumbai, India.

Ula is an Indonesia-focused marketplace app that uses technology to modernise distribution and credit in traditional retail. It brings the best of selection, prices and payment credit to small and medium sized retailers across categories such as FMCG, staples, apparel, and more.

Capital Float is an online platform that provides working capital finance to SMEs in India. It offers flexible, short-term loans that can be used to purchase inventory, service new orders or optimize cash cycles. Borrowers can apply online in minutes, select desired repayment terms and receive funds in their bank accounts in 7 days with minimal hassle. Capital Float was founded in 2013 by Gaurav Hinduja and Sashank Rishyasringa.

Leap Finance is a fintech startup focused on supporting Indian students who wish to pursue higher education abroad. The company offers a range of financial products and services, including loan options, specifically designed to facilitate international studies. By addressing the financial challenges faced by students, Leap Finance aims to make overseas education more accessible and achievable for its clientele.

Jupiter, operated by Amica Financial Technologies Private Limited, is a digital retail bank based in Mumbai, India, focused on providing a co-created banking experience tailored specifically for millennials. Established in 2019, Jupiter offers a range of services including automated savings, loans, debit cards, and 24/7 customer support. The platform also provides users with insights into their spending habits and financial growth, enhancing their understanding of personal finance. In addition to these banking services, Jupiter engages in various consultancy activities, including legal, accounting, and market research, positioning itself as a comprehensive financial service provider.

Eduvanz Financing Private Limited, established in 2016 and based in Mumbai, India, specializes in providing education loans to deserving and needy candidates at zero percent interest. The company has developed an innovative platform that allows students to access financial assistance through a quick and easy online process. By collaborating with various educational institutions, Eduvanz offers unsecured loan products aimed at making education more accessible. The company's focus is on transparency and efficiency, ensuring that students can pursue new skill courses or further their education without financial barriers, ultimately helping them achieve their goals and attain financial independence.

Landis is an online real estate platform designed to assist renters in becoming homeowners. Founded in 2017 and headquartered in New York, the company enables clients to choose their ideal home, rent it, and purchase it within the first twelve months. Landis provides tools and incentives to help improve customers' credit scores and build their down payments, facilitating a smooth transition from renting to owning. The platform focuses on delivering a transparent and straightforward process, catering to both residential and commercial real estate needs.

Trade Republic Bank GmbH, based in Berlin, Germany, operates as a mobile-only broker that offers commission-free trading services. Established in 2015, the company aims to make investing accessible and straightforward for a new generation of traders. Its platform allows users to engage in trading across various financial instruments, including stocks, derivatives, and options, through an intuitive and fast mobile application. By focusing on a seamless user experience, Trade Republic seeks to democratize access to capital markets and empower individuals to manage their investments effectively.

Tonik is a developer of a digital banking application that offers a range of retail financial products. These include deposits, loans, current accounts, payments, and cards, all accessible through a secure digital platform. The company's focus is on facilitating efficient online financial transactions, enabling customers to enhance their financial liquidity. By leveraging technology, Tonik aims to streamline savings and improve the overall banking experience for its users.

Razorpay Software Private Limited is an online payment gateway that facilitates businesses in accepting, processing, and disbursing payments through a comprehensive product suite. Founded in 2014 and headquartered in Bengaluru, India, Razorpay offers access to various payment methods, including credit and debit cards, net banking, UPI, and electronic wallets. In addition to its core payment processing services, Razorpay provides several innovative solutions, such as Razorpay Capital, which offers short-term, collateral-free loans for businesses; Razorpay Route, enabling the splitting and transferring of payments; Razorpay Thirdwatch, which identifies risky and fraudulent orders; PrePay CoD, sending payment links for cash-on-delivery transactions deemed risky; and Razorpay X, a solution for managing current accounts, optimizing payouts, and automating payroll compliance.

Five-Star Business Finance is a Registered Non-Banking Finance Company (NBFC) regulated by the Reserve Bank of India. Headquartered in Kilpauk, Chennai, it has an extensive network of branches across multiple cities in Tamil Nadu and neighboring states. The company specializes in providing secured loans to micro-entrepreneurs and self-employed individuals, facilitating business growth and asset creation. Its financial products cater to various personal needs, including home renovations, healthcare, education, and expenses related to significant life events such as marriages. Five-Star is committed to delivering quality service to its customers while adhering to the regulatory guidelines set forth by the RBI.

Leap Finance is a fintech startup focused on supporting Indian students who wish to pursue higher education abroad. The company offers a range of financial products and services, including loan options, specifically designed to facilitate international studies. By addressing the financial challenges faced by students, Leap Finance aims to make overseas education more accessible and achievable for its clientele.

Personetics Technologies Ltd. specializes in providing customer interaction technology tailored for the financial services sector. Founded in 2010 and headquartered in White Plains, New York, the company offers solutions such as Personetics Digital Banker, which utilizes automated intelligence to enhance customer-centric processes across various digital channels, including web and mobile. Its Personetics Anywhere platform enables financial institutions to deliver personalized assistance via messaging services like Facebook Messenger. Additionally, the Self-Driving Finance platform engages retail and business customers by offering varying levels of guidance in managing their finances. The company leverages artificial intelligence to analyze customer data and behavior, providing clients with tools and insights to create tailored marketing strategies and improve customer engagement. Personetics also maintains research and development centers in Nazareth, Israel, and has offices in Singapore and Tel Aviv.

FPL Technologies Pvt. Ltd., founded in 2019 and headquartered in Mumbai, India, focuses on providing innovative financial solutions for a digitally savvy younger population. The company has developed a proprietary technology platform that aims to enhance the credit card experience, capitalizing on the growing demand for consumption credit in India. With the recent surge in digital payment adoption, FPL recognizes the need for a more user-friendly approach to credit management. Their flagship product, the One Score app, launched to help users check and understand their credit scores, offers a secure and straightforward way to manage credit behavior. By integrating an intuitive mobile application with their credit card services, FPL Technologies seeks to meet the evolving needs of millennials and improve their overall financial literacy and credit experience.

Ula is an Indonesia-focused marketplace app that uses technology to modernise distribution and credit in traditional retail. It brings the best of selection, prices and payment credit to small and medium sized retailers across categories such as FMCG, staples, apparel, and more.

Finova Capital Pvt Ltd is a non-banking financial company based in Jaipur, India, established in 2015. The company specializes in providing loans to financially excluded individuals and unorganized micro, small, and medium enterprises (MSMEs). Finova Capital focuses on offering residential and commercial mortgage loans, as well as top-up loans, to support both urban and rural populations. Its mission is to enhance the lives of underserved communities by making finance accessible at reasonable costs while ensuring transparency in its operations. By empowering micro and small businesses, Finova Capital aims to facilitate economic growth and contribute to community transformation.

Razorpay Software Private Limited is an online payment gateway that facilitates businesses in accepting, processing, and disbursing payments through a comprehensive product suite. Founded in 2014 and headquartered in Bengaluru, India, Razorpay offers access to various payment methods, including credit and debit cards, net banking, UPI, and electronic wallets. In addition to its core payment processing services, Razorpay provides several innovative solutions, such as Razorpay Capital, which offers short-term, collateral-free loans for businesses; Razorpay Route, enabling the splitting and transferring of payments; Razorpay Thirdwatch, which identifies risky and fraudulent orders; PrePay CoD, sending payment links for cash-on-delivery transactions deemed risky; and Razorpay X, a solution for managing current accounts, optimizing payouts, and automating payroll compliance.

FPL Technologies Pvt. Ltd., founded in 2019 and headquartered in Mumbai, India, focuses on providing innovative financial solutions for a digitally savvy younger population. The company has developed a proprietary technology platform that aims to enhance the credit card experience, capitalizing on the growing demand for consumption credit in India. With the recent surge in digital payment adoption, FPL recognizes the need for a more user-friendly approach to credit management. Their flagship product, the One Score app, launched to help users check and understand their credit scores, offers a secure and straightforward way to manage credit behavior. By integrating an intuitive mobile application with their credit card services, FPL Technologies seeks to meet the evolving needs of millennials and improve their overall financial literacy and credit experience.

Incomlend Pte. Ltd operates a lending platform that connects small and medium-sized enterprises (SMEs) with private investors to facilitate financing through the sale of account receivables at a discount. Founded in 2016 and based in Singapore, Incomlend serves importers, exporters, investors, and lenders by offering alternative trade finance solutions, including factoring and supply chain finance. The platform allows businesses to optimize their working capital by accessing a pool of institutional investors and enables live trading of invoices in multiple currencies and countries. Once a company submits an invoice finance application, it can receive funding within 48 hours. To mitigate risks, all transactions on the platform are protected by credit insurance, ensuring that sellers are safeguarded against payment issues while providing investors with a secured return through invoice discounts. Incomlend's proprietary technology supports risk underwriting, fund matching, and transaction processing, enhancing efficiency in trade finance.

Eduvanz Financing Private Limited, established in 2016 and based in Mumbai, India, specializes in providing education loans to deserving and needy candidates at zero percent interest. The company has developed an innovative platform that allows students to access financial assistance through a quick and easy online process. By collaborating with various educational institutions, Eduvanz offers unsecured loan products aimed at making education more accessible. The company's focus is on transparency and efficiency, ensuring that students can pursue new skill courses or further their education without financial barriers, ultimately helping them achieve their goals and attain financial independence.

Tonik is a developer of a digital banking application that offers a range of retail financial products. These include deposits, loans, current accounts, payments, and cards, all accessible through a secure digital platform. The company's focus is on facilitating efficient online financial transactions, enabling customers to enhance their financial liquidity. By leveraging technology, Tonik aims to streamline savings and improve the overall banking experience for its users.

Ula is an Indonesia-focused marketplace app that uses technology to modernise distribution and credit in traditional retail. It brings the best of selection, prices and payment credit to small and medium sized retailers across categories such as FMCG, staples, apparel, and more.

BankBazaar.com is an online marketplace that provides consumers with instant, customized rate quotes for loans, mutual funds, and insurance products. The platform allows users to search, compare, and apply for financial products through its website and mobile app, which are designed with advanced technology. BankBazaar collaborates with over 50 prominent financial institutions and insurance companies in India, giving users access to a wide range of offers. Additionally, the platform features tools for tracking free credit scores and offers personal finance content to help users make informed decisions. Consumers can also monitor their applications and address any issues through various support channels, including the BankBazaar app, WhatsApp, email, and voice support.

BankBazaar.com is an online marketplace that provides consumers with instant, customized rate quotes for loans, mutual funds, and insurance products. The platform allows users to search, compare, and apply for financial products through its website and mobile app, which are designed with advanced technology. BankBazaar collaborates with over 50 prominent financial institutions and insurance companies in India, giving users access to a wide range of offers. Additionally, the platform features tools for tracking free credit scores and offers personal finance content to help users make informed decisions. Consumers can also monitor their applications and address any issues through various support channels, including the BankBazaar app, WhatsApp, email, and voice support.

Leap Finance is a fintech startup focused on supporting Indian students who wish to pursue higher education abroad. The company offers a range of financial products and services, including loan options, specifically designed to facilitate international studies. By addressing the financial challenges faced by students, Leap Finance aims to make overseas education more accessible and achievable for its clientele.

Rupeek Fintech Pvt Ltd. is a Bengaluru-based financial services company that specializes in providing gold loans through its online lending platform. Founded in 2015, Rupeek offers a streamlined process for securing loans against gold, featuring zero processing fees and on-demand pickup and return of collateral. The platform is designed for ease of use, requiring minimal paperwork, and allows consumers to apply for loans by submitting basic identity and address proof, facilitating quick verification. With a loan tenure of one year, Rupeek aims to promote financial inclusion by offering transparent and accessible lending solutions to a wide range of customers.

MoneyTap is an app-based credit line that provides small to medium-sized cash loans, quick credit on mobile, and affordable interest rates. It is currently available in Delhi NCR (Delhi, New Delhi, Noida, Greater Noida, Ghaziabad, Faridabad, Gurgaon), Mumbai (Mumbai, Navi Mumbai & Thane), Hyderabad, Chennai, Bangalore, Jaipur, Mohali, Panchkula, Chandigarh, Ahmedabad, Vadodara, Anand, Vijayawada, Vizag, Indore, Ankleshwar, Bharuch, and Gandhinagar. MoneyTap was founded in 2015 by a passionate pack of IIT/ISB alumni. It is headquartered in Bangalore, Karnataka.

Capital Float is an online platform that provides working capital finance to SMEs in India. It offers flexible, short-term loans that can be used to purchase inventory, service new orders or optimize cash cycles. Borrowers can apply online in minutes, select desired repayment terms and receive funds in their bank accounts in 7 days with minimal hassle. Capital Float was founded in 2013 by Gaurav Hinduja and Sashank Rishyasringa.

Fi Money operates a digital banking platform designed to enhance personal finance management. The platform offers users digital bank accounts and co-branded debit cards that consolidate various financial services into a single mobile interface. This integration allows users to manage their finances more effectively by automatically setting aside funds, thereby optimizing their savings. Fi Money aims to empower individuals to take control of their financial well-being, providing features tailored to their unique needs and aspirations.

KredX is India’s leading invoice discounting marketplace helping businesses gain quick access to working capital in 24-72 hours by selling their unpaid receivables while providing investors with an opportunity to earn low-risk high returns through a unique Short-term investment. Backed by some of the biggest names from the VC world such as Sequoia Capital and Prime Venture Partners, KredX most recently raised series B funding for $26 Million led by Tiger Global Management.

Urban Ladder, founded in July 2012 by Ashish Goel and Rajiv Srivatsa, is an online furniture retailer focused on providing curated home solutions for Urban Indian consumers. The company offers over 1,000 products across 25 categories, including wardrobes, sofas, beds, and dining tables, with designs developed by an in-house team of experienced designers. Urban Ladder emphasizes high-quality, handcrafted furniture that combines aesthetics with functionality. The company operates its own logistics team to ensure safe and reliable doorstep deliveries. Currently, Urban Ladder serves seven major cities in India—Bangalore, Mumbai, Delhi/NCR, Chennai, Pune, Hyderabad, and Ahmedabad—with plans to expand. The user-friendly website enhances the shopping experience, making it easier for customers to navigate its extensive collection. Urban Ladder has received backing from prominent venture capital firms, including Steadview Capital, SAIF Partners, and Kalaari Capital.

Jupiter, operated by Amica Financial Technologies Private Limited, is a digital retail bank based in Mumbai, India, focused on providing a co-created banking experience tailored specifically for millennials. Established in 2019, Jupiter offers a range of services including automated savings, loans, debit cards, and 24/7 customer support. The platform also provides users with insights into their spending habits and financial growth, enhancing their understanding of personal finance. In addition to these banking services, Jupiter engages in various consultancy activities, including legal, accounting, and market research, positioning itself as a comprehensive financial service provider.

Jupiter, operated by Amica Financial Technologies Private Limited, is a digital retail bank based in Mumbai, India, focused on providing a co-created banking experience tailored specifically for millennials. Established in 2019, Jupiter offers a range of services including automated savings, loans, debit cards, and 24/7 customer support. The platform also provides users with insights into their spending habits and financial growth, enhancing their understanding of personal finance. In addition to these banking services, Jupiter engages in various consultancy activities, including legal, accounting, and market research, positioning itself as a comprehensive financial service provider.

Digifin is a digital banking startup that has a comprehensive digital account opening platform along with the back office solution. It aims at simplifying and speeding up the account opening process. It also streamlines business processes and provides customer insight with the intent to support customer loyalty and retention. It was founded in 2011 and is headquartered in Chennai, India with offices in the USA and UAE.

Aptus Value Housing Finance India Limited is a housing finance company that focuses on providing long-term housing loans to low and middle-income customers, particularly self-employed individuals in rural and semi-urban areas of India. The company offers a variety of loan products, including home loans for purchasing, constructing, or renovating residential properties, as well as loans against property and refinancing options. Aptus aims to address the significant housing finance gap in India, where many self-employed individuals and those from informal sectors struggle to access financing. Established in 2009 and headquartered in Chennai, the company operates a network of 175 branches, facilitating its commitment to meet the housing finance needs of underserved populations. Additionally, Aptus also provides insurance products to enhance their financial offerings.

FPL Technologies Pvt. Ltd., founded in 2019 and headquartered in Mumbai, India, focuses on providing innovative financial solutions for a digitally savvy younger population. The company has developed a proprietary technology platform that aims to enhance the credit card experience, capitalizing on the growing demand for consumption credit in India. With the recent surge in digital payment adoption, FPL recognizes the need for a more user-friendly approach to credit management. Their flagship product, the One Score app, launched to help users check and understand their credit scores, offers a secure and straightforward way to manage credit behavior. By integrating an intuitive mobile application with their credit card services, FPL Technologies seeks to meet the evolving needs of millennials and improve their overall financial literacy and credit experience.

Rupeek Fintech Pvt Ltd. is a Bengaluru-based financial services company that specializes in providing gold loans through its online lending platform. Founded in 2015, Rupeek offers a streamlined process for securing loans against gold, featuring zero processing fees and on-demand pickup and return of collateral. The platform is designed for ease of use, requiring minimal paperwork, and allows consumers to apply for loans by submitting basic identity and address proof, facilitating quick verification. With a loan tenure of one year, Rupeek aims to promote financial inclusion by offering transparent and accessible lending solutions to a wide range of customers.

Drip Capital Inc. provides credit to small businesses to fulfill their purchase/work orders. It offers invoice factoring, export finance, post shipment finance, receivables factoring, export factoring, invoice discounting, bill discounting, and trade finance products. Drip Capital Inc. was incorporated in 2014 and is based in Palo Alto, California with an additional office in Mumbai, India.

Razorpay Software Private Limited is an online payment gateway that facilitates businesses in accepting, processing, and disbursing payments through a comprehensive product suite. Founded in 2014 and headquartered in Bengaluru, India, Razorpay offers access to various payment methods, including credit and debit cards, net banking, UPI, and electronic wallets. In addition to its core payment processing services, Razorpay provides several innovative solutions, such as Razorpay Capital, which offers short-term, collateral-free loans for businesses; Razorpay Route, enabling the splitting and transferring of payments; Razorpay Thirdwatch, which identifies risky and fraudulent orders; PrePay CoD, sending payment links for cash-on-delivery transactions deemed risky; and Razorpay X, a solution for managing current accounts, optimizing payouts, and automating payroll compliance.

Finova Capital Pvt Ltd is a non-banking financial company based in Jaipur, India, established in 2015. The company specializes in providing loans to financially excluded individuals and unorganized micro, small, and medium enterprises (MSMEs). Finova Capital focuses on offering residential and commercial mortgage loans, as well as top-up loans, to support both urban and rural populations. Its mission is to enhance the lives of underserved communities by making finance accessible at reasonable costs while ensuring transparency in its operations. By empowering micro and small businesses, Finova Capital aims to facilitate economic growth and contribute to community transformation.

Akulaku Inc. is a consumer finance platform based in Jakarta, Indonesia, established in 2016. The company specializes in offering online financial credit services to customers across Southeast Asia. Its services include shopping in installments through an independently managed online marketplace and various other platforms, as well as providing flexible cash loans. Akulaku's mission is to enhance the quality of life for both partners and consumers by creating a comprehensive and reliable financial ecosystem.

Five-Star Business Finance is a Registered Non-Banking Finance Company (NBFC) regulated by the Reserve Bank of India. Headquartered in Kilpauk, Chennai, it has an extensive network of branches across multiple cities in Tamil Nadu and neighboring states. The company specializes in providing secured loans to micro-entrepreneurs and self-employed individuals, facilitating business growth and asset creation. Its financial products cater to various personal needs, including home renovations, healthcare, education, and expenses related to significant life events such as marriages. Five-Star is committed to delivering quality service to its customers while adhering to the regulatory guidelines set forth by the RBI.

Drip Capital Inc. provides credit to small businesses to fulfill their purchase/work orders. It offers invoice factoring, export finance, post shipment finance, receivables factoring, export factoring, invoice discounting, bill discounting, and trade finance products. Drip Capital Inc. was incorporated in 2014 and is based in Palo Alto, California with an additional office in Mumbai, India.

Funding Societies Pte. Ltd. is a peer-to-peer financing platform based in Singapore, founded in 2015. It connects investors with small and medium-sized enterprises (SMEs) seeking funding, thereby addressing financial inclusion challenges and making credit-worthy SMEs more bankable. The platform offers a range of flexible financing options, including micro and term loans, as well as invoice financing, supported by advanced credit scoring and risk assessment models. Since its inception, Funding Societies has facilitated over 3.3 million business loans, amounting to more than S$1.8 billion in funding. The company has received multiple accolades, including the Global Excellence Award from ITU Telecom, and holds operating licenses from regulators in Singapore, Indonesia, and Malaysia, making it a pioneer in the region's peer-to-peer lending landscape.

Finova Capital Pvt Ltd is a non-banking financial company based in Jaipur, India, established in 2015. The company specializes in providing loans to financially excluded individuals and unorganized micro, small, and medium enterprises (MSMEs). Finova Capital focuses on offering residential and commercial mortgage loans, as well as top-up loans, to support both urban and rural populations. Its mission is to enhance the lives of underserved communities by making finance accessible at reasonable costs while ensuring transparency in its operations. By empowering micro and small businesses, Finova Capital aims to facilitate economic growth and contribute to community transformation.

Urban Ladder, founded in July 2012 by Ashish Goel and Rajiv Srivatsa, is an online furniture retailer focused on providing curated home solutions for Urban Indian consumers. The company offers over 1,000 products across 25 categories, including wardrobes, sofas, beds, and dining tables, with designs developed by an in-house team of experienced designers. Urban Ladder emphasizes high-quality, handcrafted furniture that combines aesthetics with functionality. The company operates its own logistics team to ensure safe and reliable doorstep deliveries. Currently, Urban Ladder serves seven major cities in India—Bangalore, Mumbai, Delhi/NCR, Chennai, Pune, Hyderabad, and Ahmedabad—with plans to expand. The user-friendly website enhances the shopping experience, making it easier for customers to navigate its extensive collection. Urban Ladder has received backing from prominent venture capital firms, including Steadview Capital, SAIF Partners, and Kalaari Capital.

Rupeek Fintech Pvt Ltd. is a Bengaluru-based financial services company that specializes in providing gold loans through its online lending platform. Founded in 2015, Rupeek offers a streamlined process for securing loans against gold, featuring zero processing fees and on-demand pickup and return of collateral. The platform is designed for ease of use, requiring minimal paperwork, and allows consumers to apply for loans by submitting basic identity and address proof, facilitating quick verification. With a loan tenure of one year, Rupeek aims to promote financial inclusion by offering transparent and accessible lending solutions to a wide range of customers.

FinTell Financial Service Outsourcing (Beijing) Co., Ltd. is a Beijing-based provider of financial solutions that leverages mobile Internet big data and artificial intelligence technology. Founded in 2017, the company specializes in risk management and offers a variety of products tailored for both consumers and small to medium-sized enterprises. Its offerings include indices for long loans and address integrity, as well as a credit monitoring program and a rich watchlist. FinTell also develops customized solutions such as credit, anti-fraud, and collection models, alongside end-to-end lending solutions and digital customer acquisition services. The firm aims to deliver intelligent risk control decisions and systematic solutions to banks and licensed financial institutions, enhancing their operational efficiency and risk assessment capabilities. In addition to its headquarters in Beijing, FinTell has offices in Shanghai, Shenzhen, and Chengdu.

Capital Float is an online platform that provides working capital finance to SMEs in India. It offers flexible, short-term loans that can be used to purchase inventory, service new orders or optimize cash cycles. Borrowers can apply online in minutes, select desired repayment terms and receive funds in their bank accounts in 7 days with minimal hassle. Capital Float was founded in 2013 by Gaurav Hinduja and Sashank Rishyasringa.

Five-Star Business Finance is a Registered Non-Banking Finance Company (NBFC) regulated by the Reserve Bank of India. Headquartered in Kilpauk, Chennai, it has an extensive network of branches across multiple cities in Tamil Nadu and neighboring states. The company specializes in providing secured loans to micro-entrepreneurs and self-employed individuals, facilitating business growth and asset creation. Its financial products cater to various personal needs, including home renovations, healthcare, education, and expenses related to significant life events such as marriages. Five-Star is committed to delivering quality service to its customers while adhering to the regulatory guidelines set forth by the RBI.

MoneyTap is an app-based credit line that provides small to medium-sized cash loans, quick credit on mobile, and affordable interest rates. It is currently available in Delhi NCR (Delhi, New Delhi, Noida, Greater Noida, Ghaziabad, Faridabad, Gurgaon), Mumbai (Mumbai, Navi Mumbai & Thane), Hyderabad, Chennai, Bangalore, Jaipur, Mohali, Panchkula, Chandigarh, Ahmedabad, Vadodara, Anand, Vijayawada, Vizag, Indore, Ankleshwar, Bharuch, and Gandhinagar. MoneyTap was founded in 2015 by a passionate pack of IIT/ISB alumni. It is headquartered in Bangalore, Karnataka.

Dadao Financial is a company that specializes in financing services tailored for individuals involved in second-hand property transactions. It offers a range of products, notably Jiaoyibao, which is a real estate insurance product that ensures the safety of assets during these transactions, and Jishidai, which provides expedited mortgage loans that can be secured in as little as three days. To enhance its service offerings, Dadao Financial has established partnerships with several prominent banks, including China Construction Bank, China Everbright Bank, and China CITIC Bank. The company operates 11 offices across major cities in China, including Guangzhou, Shanghai, Nanjing, and Zhengzhou, facilitating easier access to property financing solutions for its clients.

Urban Ladder, founded in July 2012 by Ashish Goel and Rajiv Srivatsa, is an online furniture retailer focused on providing curated home solutions for Urban Indian consumers. The company offers over 1,000 products across 25 categories, including wardrobes, sofas, beds, and dining tables, with designs developed by an in-house team of experienced designers. Urban Ladder emphasizes high-quality, handcrafted furniture that combines aesthetics with functionality. The company operates its own logistics team to ensure safe and reliable doorstep deliveries. Currently, Urban Ladder serves seven major cities in India—Bangalore, Mumbai, Delhi/NCR, Chennai, Pune, Hyderabad, and Ahmedabad—with plans to expand. The user-friendly website enhances the shopping experience, making it easier for customers to navigate its extensive collection. Urban Ladder has received backing from prominent venture capital firms, including Steadview Capital, SAIF Partners, and Kalaari Capital.

Rupeek Fintech Pvt Ltd. is a Bengaluru-based financial services company that specializes in providing gold loans through its online lending platform. Founded in 2015, Rupeek offers a streamlined process for securing loans against gold, featuring zero processing fees and on-demand pickup and return of collateral. The platform is designed for ease of use, requiring minimal paperwork, and allows consumers to apply for loans by submitting basic identity and address proof, facilitating quick verification. With a loan tenure of one year, Rupeek aims to promote financial inclusion by offering transparent and accessible lending solutions to a wide range of customers.

KredX is India’s leading invoice discounting marketplace helping businesses gain quick access to working capital in 24-72 hours by selling their unpaid receivables while providing investors with an opportunity to earn low-risk high returns through a unique Short-term investment. Backed by some of the biggest names from the VC world such as Sequoia Capital and Prime Venture Partners, KredX most recently raised series B funding for $26 Million led by Tiger Global Management.

Aptus Value Housing Finance India Limited is a housing finance company that focuses on providing long-term housing loans to low and middle-income customers, particularly self-employed individuals in rural and semi-urban areas of India. The company offers a variety of loan products, including home loans for purchasing, constructing, or renovating residential properties, as well as loans against property and refinancing options. Aptus aims to address the significant housing finance gap in India, where many self-employed individuals and those from informal sectors struggle to access financing. Established in 2009 and headquartered in Chennai, the company operates a network of 175 branches, facilitating its commitment to meet the housing finance needs of underserved populations. Additionally, Aptus also provides insurance products to enhance their financial offerings.

Funding Societies Pte. Ltd. is a peer-to-peer financing platform based in Singapore, founded in 2015. It connects investors with small and medium-sized enterprises (SMEs) seeking funding, thereby addressing financial inclusion challenges and making credit-worthy SMEs more bankable. The platform offers a range of flexible financing options, including micro and term loans, as well as invoice financing, supported by advanced credit scoring and risk assessment models. Since its inception, Funding Societies has facilitated over 3.3 million business loans, amounting to more than S$1.8 billion in funding. The company has received multiple accolades, including the Global Excellence Award from ITU Telecom, and holds operating licenses from regulators in Singapore, Indonesia, and Malaysia, making it a pioneer in the region's peer-to-peer lending landscape.

Capital Float is an online platform that provides working capital finance to SMEs in India. It offers flexible, short-term loans that can be used to purchase inventory, service new orders or optimize cash cycles. Borrowers can apply online in minutes, select desired repayment terms and receive funds in their bank accounts in 7 days with minimal hassle. Capital Float was founded in 2013 by Gaurav Hinduja and Sashank Rishyasringa.

Developer of supply chain finance service software. The company's software helps lenders perform credit analysis, inventory analysis, risk management and customer acquisition, enabling users to conduct operations more efficiently.

JD Digits, formerly known as JD Finance, is a prominent provider of financial technology solutions in China, established in 2013. The company offers a comprehensive online platform for various financial services, including consumer and business loans, crowdfunding, investment management, and insurance. By leveraging JD.com’s extensive data resources and e-commerce expertise, JD Digits aims to enhance the efficiency of financial services for individuals and businesses. In November 2018, it was rebranded to JD Digital Technology, reflecting its commitment to integrating digital technology with financial and physical industries. The company focuses on areas such as digital finance, agriculture, marketing, and urban development, employing advanced technologies like artificial intelligence and the Internet of Things. JD Digits has developed a robust financial ecosystem, connecting financial institutions and facilitating access to financing and business development services for early-stage enterprises. Through its innovative products and strong risk control capabilities, JD Digits seeks to create long-term social value while improving the overall effectiveness of the financial industry.

Dadao Financial is a company that specializes in financing services tailored for individuals involved in second-hand property transactions. It offers a range of products, notably Jiaoyibao, which is a real estate insurance product that ensures the safety of assets during these transactions, and Jishidai, which provides expedited mortgage loans that can be secured in as little as three days. To enhance its service offerings, Dadao Financial has established partnerships with several prominent banks, including China Construction Bank, China Everbright Bank, and China CITIC Bank. The company operates 11 offices across major cities in China, including Guangzhou, Shanghai, Nanjing, and Zhengzhou, facilitating easier access to property financing solutions for its clients.

Dashu Finance, officially known as Shenzhen Qianhai Dashu Financial Service Co., Ltd., is a financial services company established in 2014 and headquartered in Shenzhen, China. It specializes in providing unsecured credit loans to small and micro-business owners, facilitating access to essential financing options. The company connects these business owners with institutional investors, offering a range of loan types including education, corporate credit, rent, and car loans. Through its services, Dashu Finance aims to support the financial needs of entrepreneurs and enhance their growth opportunities in a competitive market.

Rong360 is a Chinese company that provides customized financing and loan services, allowing users to search and compare loan products from various banks and lending agencies. The platform facilitates direct contact between users and bank representatives, creating a comprehensive direct selling environment for financing solutions. It also offers personalized search results for financial products, including loan applications and credit card services, tailored to individual users' financial needs and credit profiles. Additionally, Rong360 provides data risk management solutions to financial service providers, assisting in application approval, fraud detection, and credit underwriting processes.

The idea of Vistaar dawned on the minds of two first generation entrepreneurs, who truly believe in supporting and creating new economic opportunity through providing access to finance, to deserving small business men, to enhance and enrich their lives and the community they live in. The Company targets the missing middle segment, consisting of customers with an annual income of Rs 120000-10,00,000, which is not effectively served by the formal financial system.

Omni Prime is a provider of Lending as a Service solutions aimed at retailers. The company has developed an online-to-offline (O2O) finance service platform designed to deliver mobile credit facilities, particularly targeting young consumers. Through its innovative code scanning application, banks can assess the purpose of payments, allowing for quicker financial transactions upon approval. This streamlined approach enables users to access faster and more efficient financial services, enhancing the overall consumer experience in retail environments.

BankBazaar.com is an online marketplace that provides consumers with instant, customized rate quotes for loans, mutual funds, and insurance products. The platform allows users to search, compare, and apply for financial products through its website and mobile app, which are designed with advanced technology. BankBazaar collaborates with over 50 prominent financial institutions and insurance companies in India, giving users access to a wide range of offers. Additionally, the platform features tools for tracking free credit scores and offers personal finance content to help users make informed decisions. Consumers can also monitor their applications and address any issues through various support channels, including the BankBazaar app, WhatsApp, email, and voice support.

Urban Ladder, founded in July 2012 by Ashish Goel and Rajiv Srivatsa, is an online furniture retailer focused on providing curated home solutions for Urban Indian consumers. The company offers over 1,000 products across 25 categories, including wardrobes, sofas, beds, and dining tables, with designs developed by an in-house team of experienced designers. Urban Ladder emphasizes high-quality, handcrafted furniture that combines aesthetics with functionality. The company operates its own logistics team to ensure safe and reliable doorstep deliveries. Currently, Urban Ladder serves seven major cities in India—Bangalore, Mumbai, Delhi/NCR, Chennai, Pune, Hyderabad, and Ahmedabad—with plans to expand. The user-friendly website enhances the shopping experience, making it easier for customers to navigate its extensive collection. Urban Ladder has received backing from prominent venture capital firms, including Steadview Capital, SAIF Partners, and Kalaari Capital.

FinVolution Group, formerly known as PPDai, is an online platform for peer-to-peer small unsecured loans in China. It builds a safe, high-performance, honest network platform with creative technology and ideals. FinVolution Group standardizes personal behaviors of debit and credit and brings returns to both lenders and borrowers. FinVolution was founded in August 2007 by founders from well-known companies.

Capital Float is an online platform that provides working capital finance to SMEs in India. It offers flexible, short-term loans that can be used to purchase inventory, service new orders or optimize cash cycles. Borrowers can apply online in minutes, select desired repayment terms and receive funds in their bank accounts in 7 days with minimal hassle. Capital Float was founded in 2013 by Gaurav Hinduja and Sashank Rishyasringa.

WeLab Holdings Limited is a financial technology company based in Sheung Wan, Hong Kong, with an additional office in Shenzhen, China. Founded in 2013, WeLab operates online and mobile lending platforms, including Wolaidai in China and WeLend in Hong Kong. These platforms offer various financial products, such as personal loans, online balance transfers, and handset installment plans. Utilizing proprietary risk management technology, WeLab analyzes unstructured mobile big data rapidly to assess creditworthiness and provide innovative consumer financing solutions. In addition to its direct-to-consumer services, WeLab also partners with traditional financial institutions to deliver B2B enterprise solutions, enabling these partners to offer fintech-enabled services to their customers.

Dashu Finance, officially known as Shenzhen Qianhai Dashu Financial Service Co., Ltd., is a financial services company established in 2014 and headquartered in Shenzhen, China. It specializes in providing unsecured credit loans to small and micro-business owners, facilitating access to essential financing options. The company connects these business owners with institutional investors, offering a range of loan types including education, corporate credit, rent, and car loans. Through its services, Dashu Finance aims to support the financial needs of entrepreneurs and enhance their growth opportunities in a competitive market.

Omni Prime is a provider of Lending as a Service solutions aimed at retailers. The company has developed an online-to-offline (O2O) finance service platform designed to deliver mobile credit facilities, particularly targeting young consumers. Through its innovative code scanning application, banks can assess the purpose of payments, allowing for quicker financial transactions upon approval. This streamlined approach enables users to access faster and more efficient financial services, enhancing the overall consumer experience in retail environments.

Rong360 is a Chinese company that provides customized financing and loan services, allowing users to search and compare loan products from various banks and lending agencies. The platform facilitates direct contact between users and bank representatives, creating a comprehensive direct selling environment for financing solutions. It also offers personalized search results for financial products, including loan applications and credit card services, tailored to individual users' financial needs and credit profiles. Additionally, Rong360 provides data risk management solutions to financial service providers, assisting in application approval, fraud detection, and credit underwriting processes.

The idea of Vistaar dawned on the minds of two first generation entrepreneurs, who truly believe in supporting and creating new economic opportunity through providing access to finance, to deserving small business men, to enhance and enrich their lives and the community they live in. The Company targets the missing middle segment, consisting of customers with an annual income of Rs 120000-10,00,000, which is not effectively served by the formal financial system.

FinVolution Group, formerly known as PPDai, is an online platform for peer-to-peer small unsecured loans in China. It builds a safe, high-performance, honest network platform with creative technology and ideals. FinVolution Group standardizes personal behaviors of debit and credit and brings returns to both lenders and borrowers. FinVolution was founded in August 2007 by founders from well-known companies.

BankBazaar.com is an online marketplace that provides consumers with instant, customized rate quotes for loans, mutual funds, and insurance products. The platform allows users to search, compare, and apply for financial products through its website and mobile app, which are designed with advanced technology. BankBazaar collaborates with over 50 prominent financial institutions and insurance companies in India, giving users access to a wide range of offers. Additionally, the platform features tools for tracking free credit scores and offers personal finance content to help users make informed decisions. Consumers can also monitor their applications and address any issues through various support channels, including the BankBazaar app, WhatsApp, email, and voice support.

Prosper Funding LLC operates a peer-to-peer online credit marketplace that connects borrowers seeking personal loans with individual and institutional investors willing to fund those loans. Established in 2005 and headquartered in San Francisco, California, Prosper's platform offers a transparent environment for financial transactions, allowing borrowers to access fixed-rate, unsecured loans without hidden fees or prepayment penalties. The marketplace is accessible to investors in 31 states and to borrowers in 48 states, including the District of Columbia. By utilizing a data-driven underwriting model, Prosper enables investors to achieve solid returns while facilitating affordable loan options for consumers.

Rong360 is a Chinese company that provides customized financing and loan services, allowing users to search and compare loan products from various banks and lending agencies. The platform facilitates direct contact between users and bank representatives, creating a comprehensive direct selling environment for financing solutions. It also offers personalized search results for financial products, including loan applications and credit card services, tailored to individual users' financial needs and credit profiles. Additionally, Rong360 provides data risk management solutions to financial service providers, assisting in application approval, fraud detection, and credit underwriting processes.

Personetics Technologies Ltd. specializes in providing customer interaction technology tailored for the financial services sector. Founded in 2010 and headquartered in White Plains, New York, the company offers solutions such as Personetics Digital Banker, which utilizes automated intelligence to enhance customer-centric processes across various digital channels, including web and mobile. Its Personetics Anywhere platform enables financial institutions to deliver personalized assistance via messaging services like Facebook Messenger. Additionally, the Self-Driving Finance platform engages retail and business customers by offering varying levels of guidance in managing their finances. The company leverages artificial intelligence to analyze customer data and behavior, providing clients with tools and insights to create tailored marketing strategies and improve customer engagement. Personetics also maintains research and development centers in Nazareth, Israel, and has offices in Singapore and Tel Aviv.

Prosper Funding LLC operates a peer-to-peer online credit marketplace that connects borrowers seeking personal loans with individual and institutional investors willing to fund those loans. Established in 2005 and headquartered in San Francisco, California, Prosper's platform offers a transparent environment for financial transactions, allowing borrowers to access fixed-rate, unsecured loans without hidden fees or prepayment penalties. The marketplace is accessible to investors in 31 states and to borrowers in 48 states, including the District of Columbia. By utilizing a data-driven underwriting model, Prosper enables investors to achieve solid returns while facilitating affordable loan options for consumers.

Fintellix Solutions Private Limited specializes in analytics, risk, and compliance solutions tailored for the banking sector. The company provides a comprehensive suite of offerings, including the Fintellix platform for data management and processing, the Fintellix Data Foundation for core system integration and data hubs, and Fintellix Cloud for cloud-based compliance and analytics solutions. Their products encompass Fintellix Compliance for regulatory reporting and asset quality management, Fintellix Risk for market and credit risk solutions, and Fintellix Analytics for business intelligence. Additionally, Fintellix offers information management services, banking technology consulting, and various business applications. The firm serves a diverse clientele of local, regional, and global banks across Europe, Africa, the Middle East, India, and ASEAN. Founded in 2006 and based in Bengaluru, India, Fintellix was previously known as iCreate Software India Pvt. Ltd. and is a subsidiary of Argus Information & Advisory Services, LLC.

FinVolution Group, formerly known as PPDai, is an online platform for peer-to-peer small unsecured loans in China. It builds a safe, high-performance, honest network platform with creative technology and ideals. FinVolution Group standardizes personal behaviors of debit and credit and brings returns to both lenders and borrowers. FinVolution was founded in August 2007 by founders from well-known companies.

Rong360 is a Chinese company that provides customized financing and loan services, allowing users to search and compare loan products from various banks and lending agencies. The platform facilitates direct contact between users and bank representatives, creating a comprehensive direct selling environment for financing solutions. It also offers personalized search results for financial products, including loan applications and credit card services, tailored to individual users' financial needs and credit profiles. Additionally, Rong360 provides data risk management solutions to financial service providers, assisting in application approval, fraud detection, and credit underwriting processes.

Ujjivan Financial Services Limited, founded in 2005 and headquartered in Bengaluru, India, specializes in providing a comprehensive range of financial services aimed at economically active poor individuals in urban and semi-urban areas. The company offers a variety of products, including micro and rural finance, housing loans, personal and vehicle loans, and loans for micro and small businesses. Additionally, Ujjivan provides group and individual insurance products. Its subsidiary, Ujjivan Small Finance Bank Limited, was established in 2016 and focuses on serving financially unserved and underserved segments through banking products, including savings and current accounts, fixed deposits, and an array of loan offerings such as agricultural, educational, and personal loans. Ujjivan operates a significant network of banking outlets and ATMs, reflecting its commitment to financial inclusion in India.

Personetics Technologies Ltd. specializes in providing customer interaction technology tailored for the financial services sector. Founded in 2010 and headquartered in White Plains, New York, the company offers solutions such as Personetics Digital Banker, which utilizes automated intelligence to enhance customer-centric processes across various digital channels, including web and mobile. Its Personetics Anywhere platform enables financial institutions to deliver personalized assistance via messaging services like Facebook Messenger. Additionally, the Self-Driving Finance platform engages retail and business customers by offering varying levels of guidance in managing their finances. The company leverages artificial intelligence to analyze customer data and behavior, providing clients with tools and insights to create tailored marketing strategies and improve customer engagement. Personetics also maintains research and development centers in Nazareth, Israel, and has offices in Singapore and Tel Aviv.

First Republic Bank, founded in 1985 and headquartered in San Francisco, offers a range of private banking and wealth management services to individuals and businesses across metropolitan areas in the United States. The bank provides deposit products, including checking and savings accounts, as well as certificates of deposit. Its lending portfolio encompasses various products such as residential mortgage loans, home equity lines of credit, commercial real estate loans, and personal loans. The bank also specializes in wealth management services that include investment strategies, online investment management, trust and custody services, and financial planning. First Republic maintains a strong focus on relationship-based service, operating through numerous offices in key cities including San Francisco, Los Angeles, New York, and Boston. Additionally, the bank offers online and mobile banking, student loan refinancing, and a range of treasury services, catering to a diverse clientele that includes family offices, private equity firms, and non-profit organizations.