Mosaic Ventures

Finally, we're excited by the power of machine intelligence to upend regulated and physical environments as they come online; in the lab, in the clinic, in the courtroom, the potential impact on human life is tremendous

We back founders of the economic revolt - democratising access to capital, rethinking the way we transact, and rewiring the underlying infrastructure More → Money makes the world go round - but as technology reshapes our financial systems, what will that money look like in the future? We're witnessing an explosion of startups challenging convention in financial services Europe will produce many winners, given its favourable regulatory environment and its large pool of consumers seeking better experiences

We see opportunities across the fintech landscape While banks and financial incumbents continue to struggle with legacy IT, we see an entirely new stack of delightful user experiences, delivered in best-of-breed products: faster, better, cheaper New consumer brands are being built in important categories, and Europe enjoys regulatory tailwinds - not least as Open Banking and PSD2 accelerate innovation in payments

Europe is also producing a rising cohort of SME-focused startups, serving unmet needs around invoicing, working capital finance and insurance Specialised financial products are emerging for underserved participants in the economy, notably freelancers and gig workers

Ever since Mosaic's first investment, our interests have extended beyond traditional financial services The concept of 'money' itself is evolving, as crypto assets tip into mainstream adoption, and the DeFi ecosystem gathers momentum In the long run, we believe that blockchains have the potential to create a paradigm shift in the way society understands stores of value

We back founders connecting the physical world - rethinking the topology of computing to help people and objects move better More → Thanks to ultra-cheap and ubiquitous edge computing devices, the networked smartphone, nearly everyone is walking around with a supercomputer in their pocket There are sensors on every person, in every building, factory, vehicle and object

Emerging location-based services are now mass market - Waze and Uber are the first major instances and the potential impact on transport, commerce (and advertising) is huge We're excited to see robotics and machine vision driving demand for precise understanding of location, leading to enriched 3D maps and better ways to deliver real-time location and status

We expect to see the car emerging as new platform and look forward to seeing the technology that will provide 3D vision capabilities and next-gen GPS to allow them to operate safely This will drive new applications across vehicles, drones and industrial automation

We back founders elevating the way we work - building the next generation of tools to serve the needs of a changing workforce More → The workplace is changing radically Accelerated by COVID-19, the next generation workforce is challenging existing ways of working and its supporting infrastructure To stay ahead, businesses must adapt their tools and practices for work

Delightful user experiences found in consumer applications are now expected across the enterprise This has driven a wave of specialised, best-of-breed tools that are bought and set up by end users, rather than centralised IT and procurement functions

The shift towards remote and distributed workforces has called for new modes of collaboration and communication, with SMEs increasingly being served by low-cost, low-friction tools that bring pen-and-paper workflows online or displace MS Office

Advances in process automation will continue to empower teams to eliminate their most mundane tasks and allow them to focus on the most value-adding activities

We back founders helping people to expand their potential - delivering better health and educational outcomes through software More → Technology means the extension of human capabilities: as Francis Bacon put it at the dawn of the new science, "the enlarging of the bounds of human empire, to the effecting of all things possible" Software-led businesses create new possibilities for humans to flourish, especially at its essential foundations: education and health

In education, we see tremendous opportunity to broaden access to the best teaching, and equip students of all ages to learn in the manner that works best for them, increasingly outside of traditional institutions and timelines

Decentralization is core to the empowerment opportunity we see in health We're in the middle of an explosion of new ways to quantify biology, meeting increasingly cheap and portable, smartphone-interfacing diagnostic tools This, coupled with a growing enthusiasm for telemedicine, creates an enormous pull away from overcrowded, overburdened clinics and hospitals across many areas of care and wellness These new care modalities can feed back into the health system with real world evidence for new therapies

Great progress has been made in the last hundred years on the back of The Green Revolution in agriculture Now, we're seeing the beginnings of a new revolution in how we feed the world, predicated on a convergence of computational and molecular technologies that enable us to design food systems and products better to support our health and that of the planet

We back founders transforming commerce - bringing new markets online to democratise trade and eliminate friction More → Marketplaces have grown to facilitate increasingly complex exchanges as they come online, and the enabling technologies have evolved in lock-step These have ranged from basic text and images for classifieds like Craigslist, to social identity and trust for P2P sharing and location services for transport

Consequently, we're always looking for industries or environments that were previously analog, where exchange efficiencies can be created and the increase of participants strengthens the gains for all

Additionally, as great believers in unlocking entrepreneurial energy, we look for platforms that are creating economies, for example tools that empower a new class of work, for individuals to create their own flexible, independent business

Finally, as most commerce comes online, we are excited to see developments in the tooling, from fraud to payments to identity - all things that will support the bazaar revolution

We back founders who are reimagining the world

We invest $1-10m early, in those building daring adventures in Europe