Startup Wise Guys

Monkee is a financial application that merges personal finance management with loyalty programs to help users save money for their priorities while shopping. Founded in Austria, Monkee's app encourages users to save by consciously purchasing the items they need, offering a more rewarding experience than traditional cashback programs. The application leverages behavioral design, gamification, and machine learning to promote financial wellness, allowing users to balance saving and spending sustainably. Additionally, Monkee aids retail partners in engaging consumers meaningfully based on their saving and purchasing habits, significantly enhancing sales conversion and customer retention. The company promotes the concept of "Save now Buy Later" as a responsible alternative to "Buy now Pay Later," aiming to redefine consumer spending habits in its initial markets of Germany and Austria.

Monkee is a financial application that merges personal finance management with loyalty programs to help users save money for their priorities while shopping. Founded in Austria, Monkee's app encourages users to save by consciously purchasing the items they need, offering a more rewarding experience than traditional cashback programs. The application leverages behavioral design, gamification, and machine learning to promote financial wellness, allowing users to balance saving and spending sustainably. Additionally, Monkee aids retail partners in engaging consumers meaningfully based on their saving and purchasing habits, significantly enhancing sales conversion and customer retention. The company promotes the concept of "Save now Buy Later" as a responsible alternative to "Buy now Pay Later," aiming to redefine consumer spending habits in its initial markets of Germany and Austria.

Monkee is a financial application that merges personal finance management with loyalty programs to help users save money for their priorities while shopping. Founded in Austria, Monkee's app encourages users to save by consciously purchasing the items they need, offering a more rewarding experience than traditional cashback programs. The application leverages behavioral design, gamification, and machine learning to promote financial wellness, allowing users to balance saving and spending sustainably. Additionally, Monkee aids retail partners in engaging consumers meaningfully based on their saving and purchasing habits, significantly enhancing sales conversion and customer retention. The company promotes the concept of "Save now Buy Later" as a responsible alternative to "Buy now Pay Later," aiming to redefine consumer spending habits in its initial markets of Germany and Austria.

TeklifimGelsin operates as a personalized financial platform designed to connect users with various financial institutions, allowing them to compare offers based on individual needs. The platform provides a range of complimentary services, including information on loans, investment products, credit reports, and insurance. Users can complete applications in under 40 seconds, thanks to the platform's digital integrations with banks, credit reference agencies, and insurance companies. By continuously developing its framework, TeklifimGelsin aims to address common challenges in users' financial journeys and enhance overall financial processes.

Sortika is a mobile-based personal wealth management service that focuses on democratizing savings and investments through innovative tools. The platform offers a personal financial management app that assists users in setting and achieving their financial and personal goals. By simplifying the financial planning process, Sortika enables consumers to better manage their finances and make informed decisions. The company is supported by Altree Capital, a licensed fund manager in the capital markets sector.

A Fintech as a Service Platform empowering Entrepreneurs, Startups, & Banks to build and launch Fintech products using pre-existing APIs and No Code templates under a Pay as you Go model. Today we operate in the Investment & Personal Financial Management verticals, helping entrepreneurs go from Idea Stage to MVP to Product in the fastest, easiest, and cheapest way possible.

Monkee is a financial application that merges personal finance management with loyalty programs to help users save money for their priorities while shopping. Founded in Austria, Monkee's app encourages users to save by consciously purchasing the items they need, offering a more rewarding experience than traditional cashback programs. The application leverages behavioral design, gamification, and machine learning to promote financial wellness, allowing users to balance saving and spending sustainably. Additionally, Monkee aids retail partners in engaging consumers meaningfully based on their saving and purchasing habits, significantly enhancing sales conversion and customer retention. The company promotes the concept of "Save now Buy Later" as a responsible alternative to "Buy now Pay Later," aiming to redefine consumer spending habits in its initial markets of Germany and Austria.

Tipit develops a financial service technology that enables cashless tipping for customers. It provides direct tipping to employees' personal bank accounts. Tipit is based at Vilnius, Lithuania.

Planet42 is a company focused on improving access to personal vehicles for individuals overlooked by traditional banks. By utilizing technology to assess risk, Planet42 purchases second-hand cars from a network of motor dealers and offers them to customers through a subscription service. This model allows customers to rent vehicles without needing to meet in person or view the car beforehand. The company analyzes essential validation documents, including identity proofs, payslips, and bank statements, to ensure a smooth transaction process. Through its rent-to-buy automotive services, Planet42 provides an affordable path to vehicle ownership, promoting financial inclusion and mobility for a broader audience.

Jeff is a personalized loan broker that connects borrowers with lenders by utilizing alternative data to assess creditworthiness. Founded in 2019 and based in Riga, Latvia, Jeff aims to provide financial services to the unbanked population who lack traditional credit histories. By gathering data from various digital sources such as smartphones, social media, and geolocation, Jeff creates innovative solutions to evaluate potential borrowers’ credit profiles. The company’s platform allows users to search, compare, and secure loan offers conveniently while also offering loan-related advice. Through its unique approach, Jeff fosters access to financing and aims to establish a new standard for alternative credit scoring.

Finmap is a financial management tool specifically designed for small and mid-sized businesses, including agencies, service companies, developers, and project-based enterprises. Established in 2018 in London, the company offers a platform that provides real-time visibility into cash flow and financial health, helping clients avoid cash gaps and make informed decisions. Finmap analyzes key financial metrics, such as cash flows and profitability statements, and automates financial management processes through integrations with banks and accounting software. This functionality enables businesses to efficiently set up financial and management accounting, while also optimizing analytical reports with minimal effort.

Jeff is a personalized loan broker that connects borrowers with lenders by utilizing alternative data to assess creditworthiness. Founded in 2019 and based in Riga, Latvia, Jeff aims to provide financial services to the unbanked population who lack traditional credit histories. By gathering data from various digital sources such as smartphones, social media, and geolocation, Jeff creates innovative solutions to evaluate potential borrowers’ credit profiles. The company’s platform allows users to search, compare, and secure loan offers conveniently while also offering loan-related advice. Through its unique approach, Jeff fosters access to financing and aims to establish a new standard for alternative credit scoring.

Monkee is a financial application that merges personal finance management with loyalty programs to help users save money for their priorities while shopping. Founded in Austria, Monkee's app encourages users to save by consciously purchasing the items they need, offering a more rewarding experience than traditional cashback programs. The application leverages behavioral design, gamification, and machine learning to promote financial wellness, allowing users to balance saving and spending sustainably. Additionally, Monkee aids retail partners in engaging consumers meaningfully based on their saving and purchasing habits, significantly enhancing sales conversion and customer retention. The company promotes the concept of "Save now Buy Later" as a responsible alternative to "Buy now Pay Later," aiming to redefine consumer spending habits in its initial markets of Germany and Austria.

Spenfi is a developer of an expense management platform that simplifies the tracking of company expenses by integrating payment cards, subscriptions, and invoices in an organized manner. Founded in 2019 and based in Vilnius, Lithuania, Spenfi provides finance teams with enhanced control over expenditures by tracking purchases from order to payment and allowing the definition of custom budgets for teams or projects. The platform also collects data, receipts, and invoices while enabling the approval of budgets and purchases. Additionally, Spenfi issues both virtual and physical payment cards, facilitating a streamlined process that saves time on repetitive tasks and enhances insights into business expenses.

Planet42 is a company focused on improving access to personal vehicles for individuals overlooked by traditional banks. By utilizing technology to assess risk, Planet42 purchases second-hand cars from a network of motor dealers and offers them to customers through a subscription service. This model allows customers to rent vehicles without needing to meet in person or view the car beforehand. The company analyzes essential validation documents, including identity proofs, payslips, and bank statements, to ensure a smooth transaction process. Through its rent-to-buy automotive services, Planet42 provides an affordable path to vehicle ownership, promoting financial inclusion and mobility for a broader audience.

Flipful offers a service that allows employees to access their earned salary before payday, providing a flexible financial solution without altering existing payroll processes. By integrating seamlessly with employers' current systems, Flipful enables employees to withdraw their earned wages through a user-friendly app whenever they need them. This approach not only helps employees avoid reliance on costly payday loans or borrowing from friends and family but also serves as an effective employee benefit that can enhance motivation and satisfaction. Founded in 2019, Flipful is focused on creating a mutually beneficial relationship between employers and employees by facilitating timely access to earned income.

Planet42 is a company focused on improving access to personal vehicles for individuals overlooked by traditional banks. By utilizing technology to assess risk, Planet42 purchases second-hand cars from a network of motor dealers and offers them to customers through a subscription service. This model allows customers to rent vehicles without needing to meet in person or view the car beforehand. The company analyzes essential validation documents, including identity proofs, payslips, and bank statements, to ensure a smooth transaction process. Through its rent-to-buy automotive services, Planet42 provides an affordable path to vehicle ownership, promoting financial inclusion and mobility for a broader audience.

Spenfi is a developer of an expense management platform that simplifies the tracking of company expenses by integrating payment cards, subscriptions, and invoices in an organized manner. Founded in 2019 and based in Vilnius, Lithuania, Spenfi provides finance teams with enhanced control over expenditures by tracking purchases from order to payment and allowing the definition of custom budgets for teams or projects. The platform also collects data, receipts, and invoices while enabling the approval of budgets and purchases. Additionally, Spenfi issues both virtual and physical payment cards, facilitating a streamlined process that saves time on repetitive tasks and enhances insights into business expenses.