Tech Nation Fintech

ApTap provides simple bill management: a marketplace where customers can see all their bills and subscriptions in one place and switch to a new provider in a few taps Its vision is to build the world’s largest subscription marketplace

Bithyve develops non-custodial products on the Bitcoin platform It builds utilities and tools like wallets and vaults, as well as experiences that allow users to own their keys in a safe, secure, and simple way Its flagship product is Keeper: a secure, privacy-focused, open-source multi-sig Bitcoin vault designed for long-term bitcoin saving and inheritance

Bondsmith provides cash management solutions as a service in the wealth industry Its mission is to bring banking to the wealth industry to enable partners to deliver a holistic financial services It works in partnership with the wealth and banking industries, connecting them both with modern technology, streamlining processes and removing barriers

BR-DGE is on a mission to shift power and control back to merchants because payments have become too complicated, inflexible, and restrict choices It has built an independent payment orchestration platform that’s simple to integrate and adopt The platform resolves pain points in merchant payment stacks including payment failures, integrating multiple payment methods, expensive cross-border transactions and challenges switching providers

Capital Pilot is building the investment superhighway, unlocking equal access to funding for everyone, everywhere Capital Pilot is an independent rating organisation which measures investability; the attractiveness of a startup to potential investors Its ratings system, developed with Imperial College, combines data and analytics with human assessments (currently) of a company's business model and team It provides objective insights unto fund raising and scaling potential It aims to help founders identify and fix flaws in their investor proposition early to maximise their chances of funding success

Card Industry Professionals (CIP) support SME's throughout the UK to accept card payments in-store, online and over the phone By working with strategic acquiring partners, various hardware providers and engaging with software developers, it provides a range of solutions to suit each individual business With the mainstream adoption of digital payment tools accelerated even further by Covid-19, it supports business owners within all areas of the UK, engaging within local communities directly to consult, educate and enhance the payment acceptance methods used currently

Clowd9 is an innovative, technically advanced Issuer Processing Platform Born in the cloud, it is a flexible, reliable, environmentally sustainable global payments processor With an advanced tech stack and a highly experienced team of payments professionals, coupled with secure financial investment, Clowd9 has built the processing platform for the future The end-to-end cloud platform utilises over 50 microservices allowing customers to chose the services required This also ensures smooth updates without disruption and downtime Clowd9 supports VISA and Mastercard and is an ISO messaging processor which means it can process any type of payment, dynamically converting QR Codes, crypto and biometrics at the point of sale

Collctiv makes it easy for social organisers to collect and spend group money By understanding how a group of friends or colleagues functions – and by putting the organiser at the centre of everything – the service makes it much more likely that the organiser will collect all the required money for a group purchase or booking The contributors of the group don’t have to do any banking, download another app, create an account or even go to a cash machine - they just simply tap/scan to pay in less than 5 seconds – no account set up, no banking, no fuss

CrowdProperty is the UK's leading specialist property development lender, delivering funding with speed, ease and certainty to help small and medium sized property developers grow their businesses quicker and more profitably With diverse sources of capital across global financial institutions, asset managers, family offices and private investors, it supports passionate property developers with their funding needs for residential and mixed-use projects throughout the UK, underpinned by market-leading scalable technology and deep asset class expertise

Dapio is bringing the transformative benefits of Tap to Pay technology to Android users across the UK Dapio makes it easy for businesses to accept cashless payments quickly and securely in-store, over the phone or on the move Its technology transforms any Android smartphone into a direct card reading terminal Without the need for a third-party device, just an existing smartphone/tablet and an app

DebtStream is a digital ‘self-service’ debt collections platform offered through software-as-a-service, enabling any businesses carrying credit, such as debt collection agencies, lenders, and utilities providers, to engage with their customers online under their own brand The platform enables clients to engage with their customers in a compliant, non-threatening or imposing manner, whilst reducing operational costs and increasing revenue

Flow Global enables customised liquidity solutions to small businesses in emerging markets (currently Uganda, Rwanda and Madagascar) Flow does it based on analysis of business transaction data using its proprietary technology platform called the Flow Liquidity Engine (“FLE”) Flow Liquidity Engine is a progressive platform with functionalities like data analytics, KYC, credit management, data based product design, payments, risk management, field force management with a layer of comprehensive reporting

Fluency is a next-gen future-proof blockchain technology built from the ground up to enable companies to lead the way in financial services innovation: Features include: multi-level permissioned and private blockchain network; highly-resilient and cybersecure; built specifically to enable universal access to digital assets while enabling full customisation and interoperability; and CBDC future-proof

Fuelled is the UK's first insurance broker specifically designed for startup and scaleup businesses It serves a portfolio of businesses based across the UK, which includes It operates on a startup-to-exit model, meaning it can provide any insurance product a customer needs through their entire business journey In the coming months Fuelled will begin development of bespoke insurance solutions which will help Fuelled become the first fully-automated business insurance provider in the world

Gemba is a financial institution built like a bank, allowing any company or a community to start their online banking app in under a day With Gemba, corporate services worldwide can provide automated account opening and payment services right on their website and under their brand but managed 100% by Gemba Gemba operates like a neo-bank with fully online account opening process for individuals and corporate clients It provides online banking and mobile banking apps with no-code white label option with a very easy and inexpensive integration

GoSolo is an all-in-one digital banking platform that makes it easy to start and operate a UK business It offers the following features and services: UK company formation; GBP Business Account; Mastercard® contactless debit; virtual business address; exclusive partner discounts; intelligent invoicing; requests to pay via Open Banking; support of non-UK resident owners; multi-user access; and multi-company support

Greengage is the first fully integrated financial services group bridging the traditional financial services space with the new digital innovations in cryptoassets and blockchain Greengage aspires to be the next generation of merchant bank, taking deposits from and making loans to small and medium-sized enterprises (SMEs) and with a focus on banking cryptoasset companies It is Greengage's mission to deliver merchant banking services to cryptoasset companies and SMEs – providing a robust digital banking platform using advanced technologies, facilitating cost-effective transactions within and across traditional currency and cryptoassets, by adhering to highest established standards of compliance and security

Haruko powers institutional access to digital assets globally Founded by traders and engineers with experience operating in both traditional and digital-asset markets, Haruko brings together knowledge and institutional-grade technology to offer investors a comprehensive gateway to blockchain opportunities Clients use the product to easily capture a granular set of risk metrics and get real-time pricing and analytics Haruko's institutional-grade services seamlessly integrate with client systems to put crypto investing right alongside more established asset classes Haruko has a growing list of sophisticated institutional clients and market participants relying on the platform for its ease of use, normalized connectivity across CeFi exchanges and DeFi protocols, accurate valuations, vast data sources and high performance analytical tools that enable effective digital assets portfolio management

HELPFUL offers an end-to-end financial solution for new economy businesses to manage funds, customer payments and supplier pay-outs of all sizes; from pennies to thousands, with multi-currencies, real-time instant transactions and over 60% savings compared to legacy payment solutions It works with partners across the new economy, from music, to creator and influencer platforms, to circular and preloved platforms

Insignis Cash Solutions is a digital cash savings platform designed for individuals, companies, charities, and local authorities to earn better interest from their hard-earned cash The platform offers access to over 35 banks and building societies offering exclusive, market-leading savings rates Using bespoke technology, the Insignis cash platform allows clients to open and manage multiple accounts on one platform with a single-sign on, giving them complete transparency over their cash savings The technology ensures that all bank rates are constantly monitored empowering clients to make informed decisions as to where they would like to hold their cash

itsettled is an award-winning and fully-automated credit control and debt recovery software which collects nvoices fast, reduces risk, and improves your cashflow

Keebo is the credit card company for the bold and the passionate It helps the new generation of freelancers, creators, entrepreneurs and young people get access to credit and start building credit to jumpstart their futures Keebo uses open banking data to help customers get access to low-interest credit (even without a credit history) and build credit unlike never before Its mission is to help people unlock the power of credit to live life on their own terms and realise their limitless potential

The purpose of Kin Group is to make life easier for asset managers It is a 'one stop shop' that enables asset managers to focus on doing deals Currently the business focuses on the Venture Capital asset class, but plans to broaden this to include other alternative investments The firm offers a broad spectrum of fund services to VC's including; fund management for 3rd parties; fund administration (including custody & nominee services); compliance consulting; company secretarial support; and software-as-a-service

Kinherit helps people set up their Will and wider planning, so that their family get a carefully managed process/plan upon death There is much more to good planning than just the Will, and it necessarily involves careful consideration of the practical, financial AND full legal options Everything Kinherit does is based off its tech-platform, which is central to the client-journey and the integrated handover planning across family members, advisers and other key people

Knoma is passionate about education Its mission is to enable access to lifelong learning through providing fairer finance for learners The upfront cost of accessing education is a barrier, preventing people from taking on continual learning & accruing modern, digital skills Knoma’s ethical finance solution aims to change this Its partnerships with leading education providers enable students to spread course cost - interest & fee free The “Pay with Knoma” button is integrated at the point of sale on partner’s websites and students can apply for ethical finance in less than a minute, 80% of applicants receive a real-time decision Knoma also offers a marketplace where its partner’s courses are promoted to drive additional enrolments Through Open Banking & LinkedIn data, Knoma tracks wage and employment pre/post the course to establish the ROI of a course over time Knoma provides future learners with a predicted ROI & career trajectory to help inform course selection

Kroo is a neo bank trying to disrupt the traditional banking models by creating a bank that people truly love

LemonEdge combines a modern, purpose-built financial engine alongside a customisable low-code platform with a suite of advanced reporting and scenario tools Its cloud-native technology has been designed to support the unique and varied requirements of the private capital industry at scale and across asset classes

Lenkie Technologies provides the embedded lending infrastructure to enable online platforms to become a source of funding for their business users It provides the capital, licences and credit scoring technology to add an end-to-end lending solution as part of an existing platform experience - all powered by Lenkie Using its technology, platforms can provide embedded lending services to their business users creating financial inclusion at scale for millions of small businesses Lenkie’s product comprises a credit underwriting engine and a loan management system, all delivered as an embedded experience through SDKs and APIs

Mazuma is the UK’s first and leading subscription for accountancy services Mazuma has pioneered innovation that has taken them from a humble purple envelope in the post for clients to submit documents to their accountant, to developing their own software (MazApp) that will take a pile of receipts to a set of accounts in under an hour Unlike all other providers of compliance based services, Mazuma do all of the data entry and bookkeeping on behalf of clients - differentiating them from the larger market and appealing to the "shoe box of receipts" client Using bespoke technology Mazuma can deliver accountant verified management accounts to clients in 12 minutes each month as well as providing payroll and VAT services when required and year end accounts production and tax compliance