Flourish Ventures

Spade provides a transaction data enrichment platform powered by a large first-party data network. Its API delivers real-time, granular card-transaction details, including merchant identity, category, and geolocation, enabling issuers, anti-fraud providers, and fintechs to improve authorization rates, reduce fraud, and innovate with richer payment insights.

ZestMoney is a consumer lending fintech company founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman. The company offers a digital lending platform that enables retail consumers to access small loans through Equated Monthly Installments (EMIs) without the requirement of a credit card or credit score. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney aims to democratize access to financing for millions of Indian consumers. The platform utilizes AI and machine learning for effective risk profiling, allowing clients to build their credit profiles and improve their credit scores. ZestMoney collaborates with various financial institutions and non-banking financial companies to facilitate these loans, thereby enhancing financial inclusion.

Kamino is a comprehensive financial management platform tailored for medium-sized businesses in Brazil. It offers embedded B2B payments, real-time data access, and a rigorous approval system for secure payment processing. By automating accounts payable and reconciliation, Kamino has significantly saved businesses time and improved operational efficiency.

Dinie is a pioneering fintech company specializing in embedded lending infrastructure tailored for B2B platforms in Brazil, particularly focusing on the underserved micro, small, and medium-sized enterprise (MSME) market. The company simplifies the process for digital platforms to offer instant revolving lines of credit and B2B payment solutions through straightforward API integration. By providing flexible financial services with pre-approved credit limits, Dinie empowers businesses to access the financial tools necessary for their growth and success. Its innovative approach positions Dinie at the forefront of the embedded lending model and open finance landscape in Brazil.

Cignifi Inc. is a Boston-based company that specializes in designing and developing a credit and marketing analytics platform specifically for mobile network operators. Established in 2010, Cignifi utilizes mobile phone data to provide credit risk and marketing scores, thereby helping underserved populations access financial services. The platform serves a diverse clientele, including telecommunications operators, retailers, lenders, and insurers. Cignifi's innovative approach leverages proprietary behavioral modeling and analytics tools to create scores based on mobile phone usage and other non-traditional data sources. This enables financial service providers to onboard new customers digitally while effectively managing fraud and credit risk. Additionally, Cignifi offers related products such as airtime credit, handset financing, and online lending, aimed at enhancing access to essential financial products for individuals without access to formal financial services.

Founded in Brazil in 2016, Neon is a leading fintech offering digital banking services. It provides debit and credit cards with no annual fees, personal loans, payroll loans, investments, cashback on debit transactions, and various payment methods. Neon also supports micro-entrepreneurs through MEI Fácil. With over 15 million customers and 1600 employees, Neon has seen significant revenue growth.

ZestMoney is a consumer lending fintech company founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman. The company offers a digital lending platform that enables retail consumers to access small loans through Equated Monthly Installments (EMIs) without the requirement of a credit card or credit score. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney aims to democratize access to financing for millions of Indian consumers. The platform utilizes AI and machine learning for effective risk profiling, allowing clients to build their credit profiles and improve their credit scores. ZestMoney collaborates with various financial institutions and non-banking financial companies to facilitate these loans, thereby enhancing financial inclusion.

Founded in Brazil in 2016, Neon is a leading fintech offering digital banking services. It provides debit and credit cards with no annual fees, personal loans, payroll loans, investments, cashback on debit transactions, and various payment methods. Neon also supports micro-entrepreneurs through MEI Fácil. With over 15 million customers and 1600 employees, Neon has seen significant revenue growth.

MyShubhLife is a comprehensive financial services provider focused on enhancing financial inclusion for the unserved and underserved segments of the population. The company leverages real-time analytics and alternative data to develop credit reports, which facilitate access to financial products for those who traditionally lack banking services. MyShubhLife offers a range of services, including personal loans of varying sizes, bill payments, insurance, mutual fund investments, and tax filing assistance. By employing an innovative credit scoring methodology, the platform identifies creditworthy customers, enabling them to secure loans at affordable rates. Additionally, MyShubhLife promotes financial wellness through its programs tailored for both individuals and corporations, thereby broadening its impact in the financial services landscape.

ZestMoney is a consumer lending fintech company founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman. The company offers a digital lending platform that enables retail consumers to access small loans through Equated Monthly Installments (EMIs) without the requirement of a credit card or credit score. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney aims to democratize access to financing for millions of Indian consumers. The platform utilizes AI and machine learning for effective risk profiling, allowing clients to build their credit profiles and improve their credit scores. ZestMoney collaborates with various financial institutions and non-banking financial companies to facilitate these loans, thereby enhancing financial inclusion.

Cignifi Inc. is a Boston-based company that specializes in designing and developing a credit and marketing analytics platform specifically for mobile network operators. Established in 2010, Cignifi utilizes mobile phone data to provide credit risk and marketing scores, thereby helping underserved populations access financial services. The platform serves a diverse clientele, including telecommunications operators, retailers, lenders, and insurers. Cignifi's innovative approach leverages proprietary behavioral modeling and analytics tools to create scores based on mobile phone usage and other non-traditional data sources. This enables financial service providers to onboard new customers digitally while effectively managing fraud and credit risk. Additionally, Cignifi offers related products such as airtime credit, handset financing, and online lending, aimed at enhancing access to essential financial products for individuals without access to formal financial services.

Founded in Brazil in 2016, Neon is a leading fintech offering digital banking services. It provides debit and credit cards with no annual fees, personal loans, payroll loans, investments, cashback on debit transactions, and various payment methods. Neon also supports micro-entrepreneurs through MEI Fácil. With over 15 million customers and 1600 employees, Neon has seen significant revenue growth.

Cignifi Inc. is a Boston-based company that specializes in designing and developing a credit and marketing analytics platform specifically for mobile network operators. Established in 2010, Cignifi utilizes mobile phone data to provide credit risk and marketing scores, thereby helping underserved populations access financial services. The platform serves a diverse clientele, including telecommunications operators, retailers, lenders, and insurers. Cignifi's innovative approach leverages proprietary behavioral modeling and analytics tools to create scores based on mobile phone usage and other non-traditional data sources. This enables financial service providers to onboard new customers digitally while effectively managing fraud and credit risk. Additionally, Cignifi offers related products such as airtime credit, handset financing, and online lending, aimed at enhancing access to essential financial products for individuals without access to formal financial services.

ZestMoney is a consumer lending fintech company founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman. The company offers a digital lending platform that enables retail consumers to access small loans through Equated Monthly Installments (EMIs) without the requirement of a credit card or credit score. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney aims to democratize access to financing for millions of Indian consumers. The platform utilizes AI and machine learning for effective risk profiling, allowing clients to build their credit profiles and improve their credit scores. ZestMoney collaborates with various financial institutions and non-banking financial companies to facilitate these loans, thereby enhancing financial inclusion.

ZestMoney is a consumer lending fintech company founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman. The company offers a digital lending platform that enables retail consumers to access small loans through Equated Monthly Installments (EMIs) without the requirement of a credit card or credit score. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney aims to democratize access to financing for millions of Indian consumers. The platform utilizes AI and machine learning for effective risk profiling, allowing clients to build their credit profiles and improve their credit scores. ZestMoney collaborates with various financial institutions and non-banking financial companies to facilitate these loans, thereby enhancing financial inclusion.

Cignifi Inc. is a Boston-based company that specializes in designing and developing a credit and marketing analytics platform specifically for mobile network operators. Established in 2010, Cignifi utilizes mobile phone data to provide credit risk and marketing scores, thereby helping underserved populations access financial services. The platform serves a diverse clientele, including telecommunications operators, retailers, lenders, and insurers. Cignifi's innovative approach leverages proprietary behavioral modeling and analytics tools to create scores based on mobile phone usage and other non-traditional data sources. This enables financial service providers to onboard new customers digitally while effectively managing fraud and credit risk. Additionally, Cignifi offers related products such as airtime credit, handset financing, and online lending, aimed at enhancing access to essential financial products for individuals without access to formal financial services.

Cignifi Inc. is a Boston-based company that specializes in designing and developing a credit and marketing analytics platform specifically for mobile network operators. Established in 2010, Cignifi utilizes mobile phone data to provide credit risk and marketing scores, thereby helping underserved populations access financial services. The platform serves a diverse clientele, including telecommunications operators, retailers, lenders, and insurers. Cignifi's innovative approach leverages proprietary behavioral modeling and analytics tools to create scores based on mobile phone usage and other non-traditional data sources. This enables financial service providers to onboard new customers digitally while effectively managing fraud and credit risk. Additionally, Cignifi offers related products such as airtime credit, handset financing, and online lending, aimed at enhancing access to essential financial products for individuals without access to formal financial services.