Monkee is a financial application focused on enhancing users' financial health. Founded in Austria, the app utilizes behavioral design, gamification, and machine learning to promote sustainable financial practices. It offers an AI-driven Financial Health coach that assists users in setting saving targets and breaking them down into achievable goals. Through soft interventions, or nudges, the app encourages users to develop better spending and saving habits, ultimately helping them to balance their finances and save for the future. Initially launched in Germany and Austria, Monkee aims to empower individuals to lead financially secure lives.
Planet42 is democratising mobility by enabling people ignored by banks to get access to a personal vehicle. The company leverages technology to mitigate risk and promote financial inclusion by buying second-hand cars from a network of motor dealers and providing them to customers on a subscription basis, without the need to physically see the car or meet the customer.
Okredo is an open data platform that offers valuable insights for enhancing sales and managing credit risk. It provides a business intelligence solution that aggregates and analyzes data from diverse sources, including financial reports and credit ratings, to deliver information on creditworthiness, scores, and limits. This empowers companies to make informed decisions regarding collaborations and investments. Okredo operates on a freemium model, offering both free and premium services. Initially focused on Lithuania, the company is expanding its reach to Latvia, Poland, the UK, and other European countries.
Kernolab is a fintech company that specializes in providing a platform for businesses to integrate various financial services into their products. This includes features such as accounts, payments, cards, loans, and insurance, all designed to be adaptable, intuitive, and secure. By embedding these financial solutions, Kernolab enables companies to enhance end-user retention and drive revenue growth. The platform aims to simplify the user experience, making it effortless for businesses to offer comprehensive financial products that meet their customers' needs.
Jeff is a personalized loan broker that matches borrowers and lenders through alternative data. Jeff's mission is to help the unbanked to access financial services. In the absence of credit history and bank transactions, Jeff gathers alternative data from sources like smartphones, social media, behavioral patterns, geolocation, and other types of digital footprint. Jeff then puts this information to good use and find ways on how alternative data points can prove creditworthiness and build trust, building new ways of accessing financing and evolving an alternative credit score. The company was founded in 2019 and is located in Riga, Latvia.
Contribee operates a content monetization platform designed to assist entrepreneurs and creators in managing fan subscriptions and support. The platform provides tools that facilitate instant payouts and personal shop integration for creators, allowing them to optimize their monetization efforts and engage effectively with their audience. Additionally, it offers various payment options and a content discovery feature for fans, enabling users to access exclusive content. This comprehensive approach helps creators across diverse fields, including gaming, art, and writing, to generate profits through contributions from their supporters.
Montonio Finance OÜ, founded in 2018 and based in Tallinn, Estonia, operates as a point-of-sale financing aggregator that leverages open banking to enhance credit efficiency and transparency. The company's platform simplifies the application process for hire purchase both online and in physical stores, helping merchants reduce lost sales and save time on service. Montonio's software integrates various payment methods and offers tools for refunds and shipping, allowing online merchants to streamline their operations and increase revenue through a unified dashboard. By focusing on creating a seamless experience for both merchants and customers, Montonio aims to improve the overall efficiency of credit intermediation services.
HeavyFinance operates a crowdlending platform that connects farmers with retail and institutional investors, facilitating access to financing for agricultural needs. The platform enables farmers to secure mortgage loans backed by assets such as heavy machinery in the farming, forestry, and infrastructure sectors. It offers various benefits for both parties, including flexible repayment options and the opportunity for farmers to repay loans early without fees. Investors are presented with investment-backed assets and can expect double-digit returns, supported by risk reports, statistics, and project summaries that ensure transparency. By underwriting farmers and servicing loans, HeavyFinance creates a streamlined process for raising capital and investing in agricultural projects.
Jeff is a personalized loan broker that matches borrowers and lenders through alternative data. Jeff's mission is to help the unbanked to access financial services. In the absence of credit history and bank transactions, Jeff gathers alternative data from sources like smartphones, social media, behavioral patterns, geolocation, and other types of digital footprint. Jeff then puts this information to good use and find ways on how alternative data points can prove creditworthiness and build trust, building new ways of accessing financing and evolving an alternative credit score. The company was founded in 2019 and is located in Riga, Latvia.
Okredo is an open data platform that offers valuable insights for enhancing sales and managing credit risk. It provides a business intelligence solution that aggregates and analyzes data from diverse sources, including financial reports and credit ratings, to deliver information on creditworthiness, scores, and limits. This empowers companies to make informed decisions regarding collaborations and investments. Okredo operates on a freemium model, offering both free and premium services. Initially focused on Lithuania, the company is expanding its reach to Latvia, Poland, the UK, and other European countries.
Monkee is a financial application focused on enhancing users' financial health. Founded in Austria, the app utilizes behavioral design, gamification, and machine learning to promote sustainable financial practices. It offers an AI-driven Financial Health coach that assists users in setting saving targets and breaking them down into achievable goals. Through soft interventions, or nudges, the app encourages users to develop better spending and saving habits, ultimately helping them to balance their finances and save for the future. Initially launched in Germany and Austria, Monkee aims to empower individuals to lead financially secure lives.
Kernolab is a fintech company that specializes in providing a platform for businesses to integrate various financial services into their products. This includes features such as accounts, payments, cards, loans, and insurance, all designed to be adaptable, intuitive, and secure. By embedding these financial solutions, Kernolab enables companies to enhance end-user retention and drive revenue growth. The platform aims to simplify the user experience, making it effortless for businesses to offer comprehensive financial products that meet their customers' needs.
Rendin OÜ is a home rental platform based in Tallinn, Estonia, established in 2019. The company provides a comprehensive service for landlords, tenants, and agents through its mobile application, facilitating long-term rental agreements. Rendin replaces traditional security deposits with a preventive insurance-backed technology, ensuring landlords receive guaranteed rental income while offering enhanced protection against damages. Its services include tenant background checks, legal assistance, rent payment protection, and no requirement for security deposits. By streamlining the rental process with automated agreements and risk management systems, Rendin aims to create a fair and efficient renting experience for all parties involved.
Manu is a behavioral analytics company headquartered in Vilnius, Lithuania, that specializes in assisting financial institutions with personalized business decisions. Founded in 2016, the company offers a software solution that utilizes behavioral profiling to enhance client onboarding and credit scoring processes. By analyzing customer behavior, Manu's technology helps identify reliable borrowers during loan applications, thereby enabling lenders to reduce costs associated with onboarding and mitigate risks associated with lending to unreliable customers.
HeavyFinance operates a crowdlending platform that connects farmers with retail and institutional investors, facilitating access to financing for agricultural needs. The platform enables farmers to secure mortgage loans backed by assets such as heavy machinery in the farming, forestry, and infrastructure sectors. It offers various benefits for both parties, including flexible repayment options and the opportunity for farmers to repay loans early without fees. Investors are presented with investment-backed assets and can expect double-digit returns, supported by risk reports, statistics, and project summaries that ensure transparency. By underwriting farmers and servicing loans, HeavyFinance creates a streamlined process for raising capital and investing in agricultural projects.
Monevio Consulting is a fintech company that provides all financial services. It enables brands to deliver embedded finance and better fintech products faster. Electronic Money Institution consulting services are Market review, Business Plan/ Go-to-Market strategy, Financial plan preparation, IT part documentation preparation, and Human recourse Management. Bank Account Opening, Compliance, and White Labels are other banking services.
EvoEstate OU is an online peer-to-peer funding marketplace based in Tallinn, Estonia, that facilitates international investment in property loans and projects across Europe. Established in 2019, the platform aggregates opportunities from major European real estate crowdfunding platforms, allowing retail investors to diversify their portfolios through buy-to-let properties, fixed-interest loans, and equity investments. By offering a streamlined approach to real estate investing, EvoEstate enables both small and large investors to access various real estate projects with minimal risk and the potential for optimal returns.
Planet42 is democratising mobility by enabling people ignored by banks to get access to a personal vehicle. The company leverages technology to mitigate risk and promote financial inclusion by buying second-hand cars from a network of motor dealers and providing them to customers on a subscription basis, without the need to physically see the car or meet the customer.
Kevin is a company that specializes in providing a secure and developer-friendly payment infrastructure, leveraging the advantages of Open Banking. Based in the European Economic Area and supervised by the Bank of Lithuania, Kevin offers banking payment and account information solutions that comply with the PSD2 framework. The company focuses on creating direct connections to banks, avoiding third-party aggregators, which allows clients to transition from expensive card payments to cost-effective account-to-account transactions. With a growing team of 40 dedicated professionals, Kevin aims to deliver high-quality payment solutions that outperform traditional card networks in both reliability and pricing, making online transactions more affordable and efficient for a diverse range of market players.
Rendin OÜ is a home rental platform based in Tallinn, Estonia, established in 2019. The company provides a comprehensive service for landlords, tenants, and agents through its mobile application, facilitating long-term rental agreements. Rendin replaces traditional security deposits with a preventive insurance-backed technology, ensuring landlords receive guaranteed rental income while offering enhanced protection against damages. Its services include tenant background checks, legal assistance, rent payment protection, and no requirement for security deposits. By streamlining the rental process with automated agreements and risk management systems, Rendin aims to create a fair and efficient renting experience for all parties involved.
Montonio Finance OÜ, founded in 2018 and based in Tallinn, Estonia, operates as a point-of-sale financing aggregator that leverages open banking to enhance credit efficiency and transparency. The company's platform simplifies the application process for hire purchase both online and in physical stores, helping merchants reduce lost sales and save time on service. Montonio's software integrates various payment methods and offers tools for refunds and shipping, allowing online merchants to streamline their operations and increase revenue through a unified dashboard. By focusing on creating a seamless experience for both merchants and customers, Montonio aims to improve the overall efficiency of credit intermediation services.
Kevin is a company that specializes in providing a secure and developer-friendly payment infrastructure, leveraging the advantages of Open Banking. Based in the European Economic Area and supervised by the Bank of Lithuania, Kevin offers banking payment and account information solutions that comply with the PSD2 framework. The company focuses on creating direct connections to banks, avoiding third-party aggregators, which allows clients to transition from expensive card payments to cost-effective account-to-account transactions. With a growing team of 40 dedicated professionals, Kevin aims to deliver high-quality payment solutions that outperform traditional card networks in both reliability and pricing, making online transactions more affordable and efficient for a diverse range of market players.
EvoEstate OU is an online peer-to-peer funding marketplace based in Tallinn, Estonia, that facilitates international investment in property loans and projects across Europe. Established in 2019, the platform aggregates opportunities from major European real estate crowdfunding platforms, allowing retail investors to diversify their portfolios through buy-to-let properties, fixed-interest loans, and equity investments. By offering a streamlined approach to real estate investing, EvoEstate enables both small and large investors to access various real estate projects with minimal risk and the potential for optimal returns.
Flipful SIA, founded in 2019 and based in Riga, Latvia, offers a mobile application that allows employees to access their earned salary before the official payday. This solution helps employees avoid financial stress by providing them with timely access to their wages, thus reducing the reliance on high-interest payday loans or borrowing from family and friends. Flipful integrates seamlessly with existing payroll systems, ensuring that companies do not need to alter their current processes. By enabling employees to receive advances on their earned salary, Flipful serves as an employee benefits solution that enhances motivation and satisfaction, ultimately benefiting both employers and employees.
Planet42 is democratising mobility by enabling people ignored by banks to get access to a personal vehicle. The company leverages technology to mitigate risk and promote financial inclusion by buying second-hand cars from a network of motor dealers and providing them to customers on a subscription basis, without the need to physically see the car or meet the customer.
Manu is a behavioral analytics company headquartered in Vilnius, Lithuania, that specializes in assisting financial institutions with personalized business decisions. Founded in 2016, the company offers a software solution that utilizes behavioral profiling to enhance client onboarding and credit scoring processes. By analyzing customer behavior, Manu's technology helps identify reliable borrowers during loan applications, thereby enabling lenders to reduce costs associated with onboarding and mitigate risks associated with lending to unreliable customers.
Manu is a behavioral analytics company headquartered in Vilnius, Lithuania, that specializes in assisting financial institutions with personalized business decisions. Founded in 2016, the company offers a software solution that utilizes behavioral profiling to enhance client onboarding and credit scoring processes. By analyzing customer behavior, Manu's technology helps identify reliable borrowers during loan applications, thereby enabling lenders to reduce costs associated with onboarding and mitigate risks associated with lending to unreliable customers.
H-Finance is a European digital lending company that specializes in issuing loans backed by cryptocurrency and other digital assets to both businesses and individuals. Founded in 2014 and headquartered in Vilnius, Lithuania, the company was established by the shareholders of the peer-to-peer lending platform SAVY. H-Finance operates on a global scale, providing financial solutions that leverage the growing market for digital assets.
Scoriff OÜ develops behavior-based business credit scoring software designed to predict default for small business owner and enterprise. The company's platform applies artificial intelligence and machine learning at web scale to provide credit information about companies without using any financial data, enabling businesses to predict defaulters using business credit scoring. Scoriff OÜ was incorporated in 2018 and is based in Tallinn, Estonia.
Montonio Finance OÜ, founded in 2018 and based in Tallinn, Estonia, operates as a point-of-sale financing aggregator that leverages open banking to enhance credit efficiency and transparency. The company's platform simplifies the application process for hire purchase both online and in physical stores, helping merchants reduce lost sales and save time on service. Montonio's software integrates various payment methods and offers tools for refunds and shipping, allowing online merchants to streamline their operations and increase revenue through a unified dashboard. By focusing on creating a seamless experience for both merchants and customers, Montonio aims to improve the overall efficiency of credit intermediation services.
Montonio Finance OÜ, founded in 2018 and based in Tallinn, Estonia, operates as a point-of-sale financing aggregator that leverages open banking to enhance credit efficiency and transparency. The company's platform simplifies the application process for hire purchase both online and in physical stores, helping merchants reduce lost sales and save time on service. Montonio's software integrates various payment methods and offers tools for refunds and shipping, allowing online merchants to streamline their operations and increase revenue through a unified dashboard. By focusing on creating a seamless experience for both merchants and customers, Montonio aims to improve the overall efficiency of credit intermediation services.
Kevin is a company that specializes in providing a secure and developer-friendly payment infrastructure, leveraging the advantages of Open Banking. Based in the European Economic Area and supervised by the Bank of Lithuania, Kevin offers banking payment and account information solutions that comply with the PSD2 framework. The company focuses on creating direct connections to banks, avoiding third-party aggregators, which allows clients to transition from expensive card payments to cost-effective account-to-account transactions. With a growing team of 40 dedicated professionals, Kevin aims to deliver high-quality payment solutions that outperform traditional card networks in both reliability and pricing, making online transactions more affordable and efficient for a diverse range of market players.
Ninja Lender, founded in 2018 and based in Kyiv, Ukraine, operates a business-to-business marketplace that facilitates the buying and selling of rejected loan applications among credit institutions. The platform enables banks and lending companies to connect with alternative credit providers, allowing them to offer loans to clients who were initially denied. This process not only enhances financial inclusion for rejected borrowers but also helps financial institutions reduce customer acquisition costs and improve customer loyalty. By streamlining the loan application process, Ninja Lender aims to create a more efficient marketplace for credit services.
Ninja Lender, founded in 2018 and based in Kyiv, Ukraine, operates a business-to-business marketplace that facilitates the buying and selling of rejected loan applications among credit institutions. The platform enables banks and lending companies to connect with alternative credit providers, allowing them to offer loans to clients who were initially denied. This process not only enhances financial inclusion for rejected borrowers but also helps financial institutions reduce customer acquisition costs and improve customer loyalty. By streamlining the loan application process, Ninja Lender aims to create a more efficient marketplace for credit services.
Welltrado operates a global alternative investment marketplace that connects investors with peer-to-peer lending and crowdfunding platforms. Its mission is to simplify the investment process while ensuring transparency and profitability for investors. The platform facilitates the buying and selling of loans from various providers, allowing both retail and institutional investors to diversify their portfolios and invest in P2P funds. By bridging the gap between loan providers and investors, Welltrado aims to enhance accessibility and streamline investment opportunities in the alternative finance sector.
bNesis operates in the technology sector, focusing on developing an API platform that facilitates the integration of various services for its users. By creating a unified API, bNesis enables seamless data transfer from multiple sources, including payment systems, eCommerce platforms, social media, and credit bureaus. This integration simplifies the process for financial institutions, allowing them to automate credit applications and improve the accuracy of their scoring systems. Users can easily apply for credit online, providing access to their financial data through a few simple steps. The platform analyzes this data using multiple scoring engines, resulting in quicker credit decisions and enhanced accuracy. bNesis’s solutions not only save time and resources on integrations but also help banks reduce bad debts and improve their overall income. The company is headquartered in L'Eliana, Spain.
EstateGuru operates an online marketplace that specializes in short- and mid-term property loans across Continental Europe. The platform connects investors with businesses in need of asset-backed financing, thereby facilitating access to short-term property loans. By offering mortgage-backed loans, EstateGuru provides investors an opportunity to diversify their portfolios with real estate-related assets. The company also manages funds and payouts, ensuring a streamlined investment experience for both borrowers and lenders. Through its services, EstateGuru addresses the financing needs of businesses while offering secured investment options to its users.
Investly is a peer-to-peer finance platform that facilitates invoice financing for European businesses, allowing them to sell their 30-180 day invoices to a network of investors. This marketplace enables businesses to quickly access working capital, helping them take on more customers, enhance production efficiency, and mitigate seasonal cash flow challenges. The platform streamlines the financing process, ensuring that businesses can secure funds within two days after credit checks are completed. Investors benefit from the opportunity to finance invoices, typically with short durations of 30-40 days, and can achieve attractive returns on their investments. Overall, Investly connects small to medium-sized enterprises with investors, fostering a mutually beneficial ecosystem for financing and growth.