Top FinTech Companies

Top FinTech Companies

As our world has become increasingly digitized and globalized, fintech companies have taken over the role filled traditionally by large institutional banks. Instead, fast-moving fintech banks, fintech lending companies and other fintech financial services are the name of the game for new generations and digital natives.

As previously mentioned, before fintech companies took the main stage in our financial system, you had large institutional – and in some cases, centuries-old – banks running the show. But with the introduction of the internet, that all began to change in the late 20th century.

Want to learn more about job opportunities at companies in Fintech? Get started with Powderkeg to connect to exciting companies like these.

Top FinTech Companies
Best Companies in Fintech

Best Companies in Fintech

The companies listed below were named winners in the 2022 Powderkeg Unvalley Awards. Awards data was validated by CLA, a top 10 accounting firm and Powderkeg National Corporate Member.
Abrigo
Raleigh - Sageworks was built upon and continues to be successful due to certain core principles, one of which is having a flat, organizational structure where each team member is empowered (and expected) to make decisions and therefore have a large-scale, positive impact on the company.
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Aclaimant
Chicago - Aclaimant offers a risk reduction platform designed to save time and money on workplace incidents and insurance. It engages the employee, employer, and insurance carrier in making workplace incidents everyone’s responsibility. The Aclaimant system comes with three great tools that are easy to use in reporting and resolving workplace incidents. The company was founded in 2013 and based in Chicago, Illinois.
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AcreTrader
Fayetteville - AcreTrader is an agricultural real estate investing platform that helps buyers to buy shares of farmland through an online platform. AcreTrader provides transparency, flexibility, and ease of use to people wanting to invest in farmland while handling all aspects of administration and property management, from insurance and accounting to working with local farmers and improving soil sustainability. The company was founded in 2018 and headquartered in Fayetteville, Arkansas.
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Alto Solutions
Nashville - Alto Solutions delivers an easy-to-use, automated process for investing in alternatives with IRA savings. It aims to democratize alternative asset investing. AltoIRA offers an easy-to-use investing platform that empowers everyday investors to diversify their IRAs by investing in alternative assets such as private equity, venture capital, real estate, loans, and cryptocurrency. Offering Traditional, Roth, SEP, and Crypto IRAs, Alto is bringing alternative investments to the mainstream. Everyday investors can now easily and cost-effectively access their retirement savings to invest in assets once reserved solely for high-net-worth individuals. It was founded in 2016 and is headquartered in Nashville, Tennessee.
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Apiture
Wilmington - You have always been told “they can’t do it“ or “it’s going to take a year.“ Legacy technology should not be your obstacle; now you can transform development processes that would take years into hours. They don’t wrap old technology with an API layer. They create everything as an API, so they can help you innovate faster. Their engineers, ex-bankers and fintech-savvy leaders are pursuing an ambitious goal: to change the future of banking with their solutions. They are headquartered in Wilmington, NC, with an office in Austin, TX.
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Avail
Chicago - Avail is a provider of tools and guidance that makes it easy to be a landlord. It offers a platform that helps independent landlords and property managers to navigate the rental cycle, as well as provides rental listings, tenant screening, customized leases, online payments, and maintenance requests services. Until now, landlords with less than 10 units haven’t had access to online tools designed specifically for them. Avail is an intuitive app that helps advertise vacant units, request rental applications and credit reports, sign leases, and collect rent — all online. Today, 70,000 landlords use Avail because it’s the only end-to-end platform that helps in scaling from beginner to professional with tools, support, and education.
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Bakkt
Alpharetta - Bakkt is a financial services company that focuses on digital currency that specializes in concurrency, rewards, and loyalty points. It features a software application platform designed for digital asset management that helps institutional clients in an end-to-end regulated market. The company was founded in 2018 and headquartered in Atlanta, Georgia.
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Bestow
Dallas - Bestow is an insurance technology company offering a platform that makes life insurance accessible to families. It builds products and technologies that expand the market and reimagines life insurance distribution. Bestow's proprietary, entirely digital life insurance platform will help propel growth into new insurtech, carrier, and partner channels. The approach that the company uses enables busy families to seek and purchase affordable policy rights from their mobile devices in a matter of minutes. In addition to its direct-to-consumer arm, Bestow provides APIs that enable partners to offer life insurance coverage to their customers with ease. Jonathan Abelmann and Melbourne O'Banion headquartered the startup in Dallas, Texas in 2016.
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BillGO
Fort Collins - Consumers today struggle with a decentralized bill pay system that forces them to keep track of their bills and expenses. This has impacted both the consumer’s ability to achieve financial wellness and banks’ capacity to build engaging customer relationships. BillGO is a fintech trailblazer, offering an all-in-one bill management and payments platform that harnesses the power of speed, choice and intelligence to deliver modern bill payment solutions to financial institutions (FIs), fintechs, billers and consumers. Whether consumers access our technology directly or through their preferred financial services provider, BillGO’s platform enables them to pay their bills when and how they want, which can empower them to better meet their financial obligations, save money and improve their financial well-being.
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BillingTree
Scottsdale - BillingTree is developing ways to make it easier for people to get paid for their products and services. BillingTree has become the trusted and proven solution provider to a variety of industries looking to increase efficiency and process payments quickly. BillingTree has lead the way with progressive, innovative solutions that address the diverse needs and challenges surrounding the payment process. With their experience in the payment industry, they have developed the most reliable, user friendly payment solutions in the world today.
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BitPay
Atlanta - BitPay provides enterprise-grade bitcoin payment solutions for businesses and organizations. It offers RESTful API, a bitcoin paymet gateway API; and native payment protocol support, signed payment request, direct payment communication, and BIP 73 support solutions. BitPay also provides Copay, a bitcoin wallet solution with Intel hardware security integration that allows users with hardware-level protection, including private key generation, transaction signing, and private keys. It has a strategic processing relationship with Aliant Payment Systems, Inc. Anthony Gallippi and Stephen Pair founded BitPay on May 1, 2011. It has its headquarters in Atlanta in Georgia.
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Bolt
San Francisco - Bolt is a checkout experience platform, designed to give retailers the freedom to focus on their brand while Bolt perfects the purchase. People have more options than ever when shopping online, and retailers need to provide the customers will move on. From the very first moment a retailer joins the Bolt Network, they can offer shoppers a one-click checkout with no passwords, forms, or payment details even if they haven’t visited their site before. Bolt solves the complicated technological challenges involved in the checkout, fraud detection, and digital wallets, so that retailers can devote their energy to what matters most—growing their product, brand, and customer base. With millions of shoppers and top brands in the network, we’re creating a one-click checkout for the rest of the internet. Bolt was established in 2014 and is headquartered in San Francisco, California.
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Bond
San Francisco - Bond is an enterprise-grade financial technology platform streamlining the integration between brands and banks, dramatically reducing friction and creating a more repeatable model. Through its AI-powered infrastructure, Bond enables digital brands to better engage their customers by offering personalized and compliant banking products.
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Boulevard
Los Angeles - Boulevard is the premier salon and spa management platform designed to streamline operations, increase sales, and delight customers. Developed in collaboration with industry-leading owners and operators, the company’s all-in-one platform includes client self-scheduling, CRM, marketing, custom reporting, and integrated payment processing. Boulevard delivers an intuitive, modern SaaS solution to an industry traditionally underserved by technology, helping them unlock their full potential. Boulevard is based in Los Angeles and was founded in 2016 by Matt Danna and Sean Stavropoulos.
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Braintree
Chicago - Braintree's payment platform provides all the tools online and mobile businesses need to accept payments. Providing the global commerce tools people need to build and grow businesses, Braintree’s global platform powers payments for thousands of online and mobile commerce innovators including Airbnb, Uber, GitHub, Facebook and Pinterest. Merchants in more than 40 countries across North America, Europe, Asia, and Australia can accept, split, and enable payments in more than 130 currencies. Braintree’s SDK powers PayPal, including PayPal One Touch™, Venmo, Apple Pay, Android Pay, credit/debit cards, and Bitcoin across any device. Braintree was acquired by PayPal in 2013.
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Branch
Minneapolis - Branch helps businesses accelerate payments to empower working Americans. Businesses turn to Branch for a more cost-effective, faster way to pay workers and reduce the costs of paper checks and paycards. Employees and independent contractors that sign up with Branch can receive a zero-fee bank account, free instant access to earned wages, and personal finance tools to help them manage their cash flow between paychecks. Branch partners with some of the nation’s leading payroll and workforce technologies to support employers in retail, restaurant, logistics, manufacturing, and healthcare. To learn more about Branch, visit http://www.branchapp.com and follow us on Twitter, Facebook, and LinkedIn.
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Braviant Holdings
Chicago - Braviant Holdings is a Chicago-based fintech company that uses advanced analytics and proprietary technology to make smarter lending decisions. Our products transform how people access credit online by streamlining the borrowing process and creating a path to a better financial future.
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Buckle
Jersey City - Buckle is a full-stack insurance and credit platform that partners with Transportation Network Companies (TNCs) to provide financial products and services to support the gig economy, made up of 55 million Americans and growing.Through its program management strategy, working with its TNC and reinsurance partners, Buckle divides the US$15 billion gig-economy insurance market into different segments of drivers and fleet operators. Buckle’s current gig economy programs include its signature hybrid auto product, taxi, limo and nonstandard auto (NSA). The general theme of all these programs is that they help supply drivers and vehicles to various TNCs (such as Uber, Lyft, Doordash and GoPuff), forego the current credit score methodology heavily used by traditional financial institutions, and are powered by Buckle’s technology and data throughout the insurance and credit value chains.
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Catch
Chicago - Catch Co. creates amazing products, content, and shopping experiences for the modern angler.
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Channel Partners Capital
Minnetonka - Channel Partners Capital was established during a time of economic turmoil where many traditional funding sources were either reducing their lending activities or exiting the market completely. This exodus left small to mid-sized businesses with fewer financing alternatives.
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Citadel
Chicago - Citadel is a leading investor in the world’s major financial markets. In markets around the world, we work relentlessly to uncover and capture new opportunities. Across a diverse range of investment strategies, we deploy our capital with the goal of generating consistently high risk-adjusted investment results for our investors and capital partners. At our core, Citadel is built to deliver excellence. We have some of the most talented and focused minds in the industry, and we activate their ideas and strategies through a robust range of proven technologies and execution capabilities.
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Clearcover
Chicago - Clearcover is a digital car insurance provider offering better coverage for less money. The company's API-first approach enables customers to have great insurance at affordable rates. Founded in 2016, Clearcover is headquartered in Chicago, Illinois. Clearcover was recently named a Glassdoor 2021 Best Place to Work and was named one of Inc. Magazine’s Best Workplaces of 2020.
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Clear Software
Zionsville - Clear Software is an Intelligent Automation platform that protects and extends technology investments. The company's platform enables organizations to streamline core business processes across software such as SAP, OracleEBS, Salesforce, and many other cloud and premise applications. It enables automation ranging from a single step task to an end-to-end business process that may involve hundreds of tasks. Clear Software was established in 2015 and is headquartered in Zionsville, Indiana.
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Clicklease
West Valley City - ClickLease offers financing solutions using advanced technology to provide instant approvals and funding for business owners. ClickLease is headquartered in West Valley City, Utah.
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Clyde
PRINCE - With the Ownership Enrichment Platform, Clyde helps brands take control and take care of the post-purchase journey for their customers. We’ve reimagined product protection, registration, and issue resolution so manufacturers and eCommerce brands can create beautiful, profitable, unified ownership experiences for their customers — and unlock the LTV of their dreams. Over 300 brands like Hydrow, Marshall, SharkNinja, Lull, Tempo, Newell Brands, and Barnes & Noble use Clyde to build deeper relationships with their customers. To learn more about Clyde, visit www.joinclyde.com
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CrossBorder Solutions
Saint Petersburg - CrossBorder Solutions provides millions of customers technology-driven tax solutions in Transfer Pricing, R&D Tax Credits and Tax Provision.
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Doriot
Bloomington - In a world where unicorns exist and incubators hatch startups, the elite play a risky, but lucrative game: startup investing. The vast majority of people are left out, lacking the access and education to play and win. Cue: Doriot. Named after the father of venture capital, Doriot is an educational company focused on empowering the next wave of entrepreneurs and investors with innovative, educational tools that make startup investing simple.
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Dosh
Austin - Dosh is the fastest growing cash back card-linked ecosystem that drives in-store sales through contextually relevant offers. Brands utilize Dosh’s real-time behavioral and transactional data to convert new customers, increase frequency, and average order value – tracking marketing dollars to every transaction and benchmarking performance against competition. By shifting advertising dollars directly to consumers through Dosh, brands are proven to drive sales and positive brand propagation.
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Dovly
Scottsdale - Dovly is the first fully automated credit repair platform based on a sophisticated algorithm proven to increase credit scores. Dovly uses technology to improve credit scores better, faster and cheaper, so people can achieve financial freedom quickly and painlessly. Prior to Dovly, consumers had no alternative to frustrating DIY processes and costly, ineffective, and mostly illegitimate commercial services. Companies had no alternative to monetize on subprime leads making up between 50%-80% of their total lead volume.
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Earnest
San Francisco - Earnest was built on the principle that getting a loan shouldn’t be difficult for financially responsible people. Earnest offers student loan refinancing and personal loan. It uses its unrivaled technology to consider more than just a credit score; it looks at thousands of data points such as education, saving patterns, investments, and career trajectory. Customers apply online and can manage their account payment preferences with the online dashboard and mobile app. Earnest was founded in 2013, by Louis Beryl and Ben Hutchinson, and had its official launch in early 2014. Earnest raised several rounds of funding from investors including Andreessen Horowitz, Maveron, Battery Ventures, Atlas Ventures, and several others. In 2017, Earnest was acquired by Navient Corp. Navient maintains Earnest as a separate brand while allowing Earnest to be backed by a larger company. Earnest has grown from distributing $8M loans in its first year of business to distributing nearly $2B in student loans and having a roughly $500M loan portfolio in 2017. Earnest has been included in Fast Company’s World’s 50 Most Innovative Companies list. The company lends across the United States in 45 states and the District of Columbia. In August 2017, it was announced that Earnest would open a second office in Salt Lake City, Utah.
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Earnin
Palo Alto - Earnin is the new, faster way to get your paycheck. Unlike traditional, rigid paychecks that only show up every two weeks, Earnin gives you access to your pay as you earn it -- any time, any day, right from your smartphone. Earnin charges no fee or interest for using the service: instead, with each transaction users are given the opportunity to pay what they believe is fair. Launched in 2014, Earnin is driving consumer-empowered finance through mobile technology by breaking open more than $1 trillion held up in America's pay cycle. Current funding partners include Andreessen Horowitz, Matrix Partners, Ribbit Capital, Felicis Ventures, March Capital Partners, Trinity Ventures, Thrive Capital, and Camp One Ventures. For more information please visit www.Earnin.com.
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EasyKnock
EasyKnock is a real estate technology company on a mission to change homeownership to change lives.Our sale-leaseback programs, Sell & Stay and MoveAbility provide homeowners with money, time, and flexibility.
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Engage
Seattle - Engage provides a real-time sales management platform for communication and live chat. It enables sales professionals to be available for immediate omni-channel customer interactions and sales. Engage is as useful to the daily life of a salesperson as telephone or email. Organizations deploy Engage to various digital touch points so their sales team members can instantly interact one-on-one with visitors, prospects, and customers. Engage was established in 2015 and is headquartered in Seattle, Washington.
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Ethoca
Toronto - Ethoca is a global collaboration-based tech services company that helps connect card issuers to online merchants in order to stop fraud slipping through their defenses and recapture lost revenues. Its network consists of card issuing banks and merchants working together through a single automated connection outside the payment networks stream to their mutual benefit. Merchants use its direct-from-source card issuer data to stop the fulfillment of products tied to fraudulent accounts on orders they are actively processing while Ethoca Alerts reduces the time it takes for merchants to be alerted of fraud. Founded in 2005, Ethoca is headquarted in Toronto, Canada.
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Ethos
San Francisco - Ethos is a California-based insurtech platform that provides life, accident, and health insurance products and solutions for individuals and families.
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EverCommerce
Denver - EverCommerce is a service commerce platform, providing the top marketing, business management, and customer retention solutions to more than 400,000 service businesses across the globe. Specializing in Home & Field Services, Health Services, and Fitness & Wellness industries, EverCommerce develops, acquires, and transforms mission-critical software that helps service-based businesses accelerate growth, streamline operations, and increase retention. Its digital and mobile software & payment solutions create predictable, informed, and convenient experiences between customers and their service providers.
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Fi360
Pittsburgh - Fi360 is a fiduciary technology and training company helping financial intermediaries use prudent fiduciary practices to profitably gather, grow and protect investors’ assets. Since 1999, the firm has provided financial professionals with the tools necessary to act as a fiduciary in their work with investors. Headquartered in Pittsburgh, PA, Fi360 is the home of the Accredited Investment Fiduciary® (AIF®) designation, the Fiduciary Focus Toolkit™ and the Fi360 Fiduciary Score®. Fi360 is also the parent company of CEFEX. Learn more at www.Fi360.com, via Twitter, or on LinkedIn.
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Finix
San Francisco - Finix Payments is a payment infrastructure platform that gives businesses an alternate way to own, manage, and monetize their entire payments experience without the headaches or expenses associated with building an in-house system from scratch. Payments are the lifeblood of every business, and it is critical to company revenue and customer experience that companies get the underlying technology right. Through its Visa partnership, Finix also facilitates real-time push-to-card payments. The company was founded in 2015 and is headquartered in San Francisco, California.
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Finmark
Raleigh - Everything you need to build your financial model.
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Galatea Associates
Somerville - Galatea Associates is a highly focused boutique software consulting firm specializing in providing strategic solutions for Wall Street broker-dealers. Founded in 1997, we currently have offices in Boston, London, Durham, and Tampa Bay and we are continuing to grow rapidly. Galatea fosters a culture of collaboration and excellence. We emphasize the business domain and employ technology to solve challenging problems that manage Wall Street risk. In addition to working on some of Wall Street's most challenging problems, we also like to take a step back and partake in many firm sponsored activities, including a monthly pub crawl, volunteer activities, and office parties celebrating every holiday! More than anything, we pride ourselves on ownership and delivery, and our people prove this year after year. Our Core Values * Ownership * Intellectual Curiosity * Diversity of Thought * Direct and Open Communication * Mutual Respect * Team-Based Client- Focused Delivery
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Group1001
Indianapolis - Group1001 is an insurance holding company that makes insurance and retirement products more useful, intuitive, and accessible for everyone. It is combining deep industry expertise with a nimble, tech-driven culture. Group 1001 is committed to empowering communities through education and sports so that everyone can achieve their dreams. Its corporate social programs to date have spanned 22 states, positively impacting over 200,000 youths, and have included public and private partnerships to revitalize youth sports fields in at-risk communities and create mentoring and education programs.
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Hello Alice
Houston - Hello Alice (helloalice.com) helps businesses launch and grow. A free multi-channel platform, Hello Alice guides business owners by providing funding, networks, and services. The company's partners include enterprise business services, government agencies, and institutions looking to serve small and medium business owners to ensure increased revenues. Founded by Carolyn Rodz and Elizabeth Gore in 2017, Hello Alice is headquartered in Houston, Texas, United States.
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i3 Verticals
Nashville - i3 Verticals is a technology and integrated payments provider for a range of industry verticals throughout the United States. i3 Verticals intends to make additional acquisitions and become a leader in distinct, growing verticals by helping customers improve their operating efficiencies, enhance revenues, and streamline their payment processing functions.
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IHS Markit Digital
Markit is a financial information services company with over 1,200 employees in Europe, North America and Asia-Pacific. Over 1,500 financial institutions use their independent services to manage risk, improve operational efficiency and meet regulatory requirements. Markit was founded in 2001 as the first independent source of credit derivative pricing. Today, their data, valuations and trade processing services are regarded as a market standard in the global financial markets.
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Inbox Health
New Haven - Inbox Health is a digital healthcare company that designs a tool to automate bills and give patients additional insights into their charges. Inbox Health's mission is to greatly reduce the administrative waste in healthcare, by streamlining the patient billing and payment experience. Their product is a patient billing and communication platform that uses patient data to tailor a billing process specific to the patient’s situation and behavior patterns.
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Infintech
Blue Ash - Infintech exists to help merchants be more competitive and profitable. We start by learning more about your unique business. Then we make smart, customized recommendations for the latest technology and services to help you excel and maximize cost savings. When you choose Infintech, you'll gain access to the entire i3 Verticals family of products and services while receiving personalized service from a company where you matter.
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Juniper Square
San Francisco - Juniper Square operates an online based platform for private equity firms to find, raise, and manage capital. It provides an easy-to-use software that streamlines fundraising, investment administration, and investor reporting. With Juniper Square, clients will improve investor satisfaction, boost fundraising productivity, and save time and money on investment operations. Adam Ginsburg, Alex Robinson, and Yonas Fisseha founded it in 2014, with its headquarters in San Francisco in California.
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Junxure
New York - AdvisorEngine is a next-generation wealth management platform for investment advisors to help grow their business. As the only technology platform to fully integrate Online Wealth Management, CRM and Portfolio Management in a seamless solution, AdvisorEngine offers RIAs a comprehensive, integrated experience with flexibility across workflows, data and usability, empowering advisors to aggregate assets by deepening the client relationship through both traditional face-to-face advice and completely digital, low-touch interaction. Founded by a team of experienced and creative financial and technology executives, AdvisorEngine is the most powerful and scalable platform for the investment advisor community.
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Kabbage
Atlanta - Kabbage, an American Express company, has innovated a data and technology platform to provide small businesses automated cash flow solutions, including business checking accounts, online payments, business insights and its online lending platform which allows small businesses to quickly access ongoing lines of credit up to $250,000. Kabbage uses real-time data and automation to provide an integrated suite of financial tools empowering small businesses to spend less time on their books and more time on building thriving businesses. To date, Kabbage has provided more than 500,000 small businesses access to over $16 billion of working capital. Twitter: http://twitter.com/kabbageinc Facebook: http://www.facebook.com/KabbageInc Instagram: https://www.instagram.com/kabbageinc/ Learn more about Kabbage: https://www.kabbage.com/why-kabbage
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Klickly
The world’s only full-funnel, comprehensive, & real-time consumer data software platform that enables distributed commerce.
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Kraken
San Francisco - Based in San Francisco, Kraken is a bitcoin exchange in euro volume and liquidity that trades various currencies, including Canadian dollars, US dollars, British pounds, and Japanese yen. It is known as the first to have the trading price and volume displayed on the Bloomberg terminal as well as to pass a cryptographically verifiable proof-of-reserves audit. Its clientele is comprised of numerous traders, Tokyo government's court-appointed trustee, and Germany's BaFin regulated Fidor Bank. Its fee schedules are tier-based and fees are charged on a per-trade basis. Kraken is also in partnership with the first cryptocurrency bank.
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Landmark Credit union
Brookfield - Landmark Credit Union is a not-for-profit financial cooperative owned by our customer/members. We return our profits to our members with exceptional rates, lower fees and personalized service. We serve all people living or working in Southern and Northeastern Wisconsin, plus Lake and McHenry Counties in Illinois as well as their immediate family members. Landmark also serves businesses with a location in Southern and Northeastern Wisconsin, plus Lake and McHenry Counties in Illinois. Southern Wisconsin includes the following counties: Brown, Calumet, Columbia, Dane, Dodge, Fond Du Lac, Green, Green Lake, Iowa, Jefferson, Kenosha, Manitowoc, Marquette, Milwaukee, Outagamie, Ozaukee, Racine, Rock, Sheboygan, Walworth, Washington, Waukesha, Winnebago. Northeastern Illinois includes the following counties: McHenry and Lake. Federally Insured by NCUA. Equal Housing Opportunity.
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Lev
Full-service Salesforce consultancy
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M1 Finance
Chicago - M1 Finance is The Finance Super AppTM that helps people manage and grow their money with control and automation – for free. With over $4 billion in assets under management, M1 has empowered hundreds of thousands of investors to open accounts and improve their financial well-being through investing, digital checking, and lines of credit.
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MANTL
New York - Mantl is a customer-centric outer core ecosystem that gives banks and credit unions the flexibility to innovate using modern technology while owning their brand throughout the entire customer lifecycle. The company's platform provides customers with a delightful user experience and banks with powerful workflow management and automation tools. Mantl was founded in 2016 and is headquartered in New York, USA.
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Merchant E
Alpharetta - Merchant e-Solutions is an online platform that offers payment services to its clients. The platform enables merchants to offer and accept credit card payments on multiple devices to other users. It offers mobile, online, and in-person payment services. In addition, it has partnered up with financial institutions to offer referral incentive and agent banking programs. Merchant e-Solutions was launched in 2012 and is based in Brazil.
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Mercury
San Francisco - Mercury Technologies is a technology-enabled company that provides banking services to small and medium-sized businesses. The company services provide bank accounts designed specifically for startups, combining FDIC-insured checking and savings accounts with tech tools. Immad Akhund, Max Tagher, and Jason Zhang founded the company.
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Moov
Cedar Falls - Moov is rebuilding banking infrastructure for a cloud-native world without any legacy technology dependencies. Moov’s banking-as-a-service platform takes a developer-first approach of being open-source, portable to cloud providers or on-premises, modular for customization, and decoupled from any single bank program. Their protocols offer the first de facto standard for embedded payment infrastructure offered publicly. Moov was established in 2017 and is based in Cedar Falls, Iowa, United States.
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MPOWER Financing
Washington - MPOWER is a US-based lender offering student loans to international students studying in the US or Canada without requiring a co-signer, collateral, or US credit history because our proprietary credit algorithm focuses on future potential. MPOWER disburses payments directly to the university on behalf of the students to pay for tuition or university-sponsored services like housing, meal plans, or health insurance. Students start paying back the loan within 6 months after graduation. The loan comes with interest discounts, free personal finance education courses, credit-building, and a job placement service for the students.
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Nayax
Herzliya - Global fintech company providing merchant financial services to different retailers. Established in 2005, Nayax started as a cashless payment service and management solution provider for unattended retail. Over the years, thanks to our customer-first mindset and the ability to develop our offering in-house, the company evolved into an award-winning payment powerhouse. Today, Nayax boasts an international reach of 10 sales offices and over 45 distributors. We proudly serve customers across 65 countries, support more than 350,000 points of sale worldwide, accept 26 currencies, and partner with over 70 global financial institutions. Nayax is also a licensed payment institution in Europe. Our goal throughout the years has always remained the same - enabling merchants to grow their business at scale and with ease. To achieve this, our payment platform has consistently been ahead of the curve. From accepting any new form of payment, to continuously providing peace of mind with the strictest security certifications and a 24/7 monitoring. In addition to our payment-as-a-service platform, we continue to develop value-added services for our customers. From a consumer engagement solution to customized payment methods, an API suite, a mobile wallet app to a fully customizable management system. The result is an agile ecosystem that helps merchants improve their bottom line. As we continue to expand to new markets, our standard for innovative solutions, and exceptional customer service, remains high. We now offer the Nayax standard to industries such as unattended retail, retail, public transit, and electric vehicle chargers
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NextCapital
Chicago - NextCapital partners with world-class institutions to deliver personalized planning and managed accounts to individual investors across multiple channels including 401(k), IRA, and taxable brokerage accounts. Their open-architecture digital advice solution provides integrated account aggregation, analytics, planning, and portfolio management, and allows partners to customize advice methodology and fiduciary roles. The company was founded in 1996 and headquartered in Chicago, Illinois.
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Northwestern Mutual
Northwestern Mutual delivers financial security to more than 4.5 million people.
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Nova Credit
San Francisco - Nova Credit helps you access credit in the U.S. by translating your international credit score into a U.S.-equivalent credit score. This translated score is made available to U.S. financial institutions so you can apply for credit cards, loans, housing and more without having to build a U.S. credit score from scratch. Founded by newcomers, the company has a diverse team from around the globe who are creating a world beyond borders to help newcomers arrive and thrive.
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Obie
Chicago - Obie is an insurtech startup that offers insurance and risk management for real estate investors. It aims to provide a simple, affordable, and transparent experience for clients and their investment properties. Its technology guarantees industry-best rates for the property and casualty plans that are right for clients, ensuring that they, and their investments, are protected. Obie is now available to landlords and property investors in all 50 states.
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Ontario Systems
Muncie - Ontario Systems is a web-based platform that allows healthcare organizations to manage revenue cycles and accounts receivables.
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OppFi
Chicago - OppFi is a financial technology platform that powers banks to offer accessible products and a top-rated experience to everyday consumers. Through its unwavering commitment to customer service, OppFi helps consumers who are turned away by traditional providers build a better financial path. To date, OppFi has facilitated the issuance of more than 1.5 million loans.
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Paro
Chicago - Flexible finance solutions to rewrite your business outlook.
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Payrix
Atlanta - Payrix is a passionate team of payments and software experts who provide vertical software companies with an all-in-one platform — and a white-glove approach — to capitalize on the opportunities within embedded payments for growth, innovation, and transformation. Led by forward-thinkers from PayPal, Worldpay, Elavon, Chase Paymentech and more, Payrix is committed to delivering to its clients more freedom and peace of mind with a proven solution that helps eliminate friction, unleash their possibilities with new revenue, and make their customers’ lives easier. Payrix is a privately-held company headquartered in Atlanta, GA and is backed by Providence Strategic Growth and Blue Star Innovation Partners. Unleash your possibilities at payrix.com.
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Pie Insurance
Washington - Pie Insurance is a workers’ compensation insurance company that provides workers’ comp coverage to small businesses through a simple online experience. The company offering A.M. Best A-rated insurance that leverages data analytics, easy-to-use online features, and a seasoned team of insurance experts to revolutionize workers’ comp for small businesses. As a technology-enabled workers’ compensation insurance company, Pie leverages extensive, high-quality data sets to segment and price small business policies, accurately assessing risks and passing savings on to small business owners. It intends to use the funds for the continued growth and expansion of its offering to small business owners and conduct strategic initiatives to form and purchase licensed insurance companies. Pie began selling workers comp insurance policies direct to customers in 2018. The company is led by co-founder and CEO John Swigart.
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PointCard™
San Francisco - Point Card offers rewards, including additional cash-back on go-to subscriptions like Netflix, Spotify, HBO Max, Hulu, and more. It features an advanced chipset for secure payments, a high-tensile synthetic polymer construction, and comes in your choice of four editions.
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Ramp
New York - Ramp is a technology company that develops corporate cards designed to save businesses money. The company is redesigning how corporate spending should be managed from the ground up to save time, money, and ensure control. It provides companies higher card limits, insightful saving opportunities, automated expense management, lightning-fast receipt matching, seamless accounting integration, and more. The company was founded by the same team that built, scaled, and sold Paribus to Capital One, spearheading Capital One’s push into saving technologies. Their group at Capital One enabled automated savings on online purchases, and put over $100 million back in consumers' pockets. Ramp is committed to providing that same value and savings to businesses.
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Recharge
Santa Monica - Seamless subscription commerce. We turn transactions into relationships.
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Reserve Trust
Greenwood Village - Reserve Trust - the first fintech trust company with a Federal Reserve master account - provides B2B payments services that financial institutions and fintech’s have previously only been able to obtain from correspondent and sponsor banks.
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Rho Business Banking
Rho Business Banking is a digital banking service built and developed by New York-based fintech start-up Rho Technologies to accelerate growth for start-ups. Its products support high-growth businesses that work with entrepreneurs. Rho provides full-service digital banking solutions that integrates with the tools and services used by entrepreneurs in running their businesses. The company was founded in 2018 and is headquartered in New York.
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Rize
Rize enables fintechs, financial institutions, and brands to build across multiple account types with one API.
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Self Lender
Austin - Self Financial is a venture-backed fintech startup that helps customers build credit and save money. It provides tools necessary for building on-time payment history and responsible use of credit, in collaboration with issuing banks.s services are for those who are new to credit or who might not have access to traditional financial products. It offers Self Credit Builder Account to help consumers build both credit and savings without relying on credit history and Self Visa Credit Card, a card that helps existing customers build their security deposit in instalments. Self Financial is formerly known as Self Lender. The startup was founded by Conor Swanson and James Garvey in 2015 and is based in Austin, Texas.
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ServiceMac
Fort Mill - ServiceMac offers solutions that span the mortgage continuum and enhance security, customer satisfaction, and profitability. ServiceMac is committed to and administers best in class services and has implemented a process to continuously identify and employ new innovative approaches and tools to help deliver value-added deals to our clientele. ServiceMac’s established structures and processes help promote both legal compliance and appropriate standards of honesty, integrity, and ethics throughout the organization.
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Sezzle
Minneapolis - Sezzle is a financial services company that offers a technology-driven, payments. The company is driven by its mission is to financially empowering the next generation. Sezzle provides a payment platform that facilitates fast, secure, and easy payments between consumers and retailers. The company was founded in 2016 and headquartered in Minnesota, United States.
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Sidecar Health
El Segundo - Sidecar Health is an insurtech company that provides a personalized health insurance platform. Its platform offers customizable plans based on coverage needs and budget while being completely transparent about medical costs and payouts with comparable coverage and permits fast and easy transactions through a credit card to charge medical expenses upfront at the doctor's office and pharmacy of their choice, enabling consumers to get suitable and affordable health insurance plans. The company was founded in 2018 and is headquartered in El Segundo, California .
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Sightline Payments
Las Vegas - Sightline Payments is the way to building a cashless ecosystem for the gaming environment with its flagship solution, Play+. Named "Most Innovative Gaming Technology Product of the Year", Play+ allows consumers a cashless and seamless mobile commerce experience for hospitality and gaming, including online, mobile, on-premise slots, table games, and sports. The Play+ digital platform is embraced by integrated casino resorts, sports betting and lottery platforms, including the largest and most well-recognized casino resort and sports betting brands in the world.
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Sila
Portland - Sila is the platform that powers modern financial apps. Sila gives you unparalleled ability to design a product where money movement can be tied to events within your platform, with just a few lines of code. It’s also an out-of-the-box digital wallet for your customers that’s easy to set up. And there’s the normal money stuff too: Sila can make and receive ACH transfers, link bank accounts, and verify customer identity—all at a fraction of the cost of traditional bank partnerships.
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SourceDay
Austin - We integrate with your ERP to automate purchase order (PO) changes and enable supplier collaboration.
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Step
Palo Alto - Step.com is the easiest way to learn your market value, whether you’re prepping for an annual review, negotiating a pay raise, or just curious from having been out of the job market. You’ll find out what other companies and hiring experts think of you, without having to interview or talk with a recruiter.
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StockX
Detroit - Shaping the next generation of e-commerce for the next-gen consumer.
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Student Connections
Austin - Student Connections' primary goal is to help students overcome the barriers that can get in the way of attending college, completing their programs of study and achieving success after graduation. Developed in collaboration with higher education institutions and students, Student Connections' innovative tools and solutions provide relevant and engaging resources to students when they need them. Learn more about this important work at www.studentconnections.com.
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Studio Bank
Nashville - A studio is a place where creators do their thing. And we want to be the bank for Nashville's creators. Whether you're designing a company or building a project, crafting a song or writing code, orchestrating social change or enhancing the quality of care, we want to collaborate with you. Member FDIC | Equal Housing Lender | NMLS 1761767
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TaxBit
Draper - TaxBit is a cryptocurrency tax and accounting software that automates tax calculations and reporting on cryptocurrency transactions. With TaxBit, users can link their exchanges and wallets to seamlessly pull their transactions through their tax engine and auto-generate tax forms. Aside from automating taxes, TaxBit provides crypto enthusiasts real-time portfolio tracking and tax optimization visibility so that they can make tax-optimized crypto trades throughout the year. TaxBit connects the consumer and enterprise cryptocurrency tax experiences.
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Technisys
Miami - The next banking experience.
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The Yes
San Francisco - They are co-located in Silicon Valley and New York City, but are open to great talent anywhere. They welcome critical thinkers who are excited to re-write the rules of e-commerce. They promise it will be fun.
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Tomo Networks
Stamford - Tomo Networks is a fintech startup that improves the homebuying experience by pairing a smarter and faster mortgage process with the best real estate agents to eliminate complexity, reduce cost, and put buyers in the best position to close. Tomo Networks was created by Greg Schwartz and Carey Armstrong in October 2020, and has since announced $70 million in seed funding - the largest ever for a startup in the real estate space. The company, with offices in Stamford, CT, Seattle, WA & Austin, TX, launched in October 2020 and began operations on June 30th 2021 in Seattle, Dallas, and Houston. Tomo Networks operates through its subsidiaries, Tomo Mortgage and Tomo Brokerage. For more information, visit hellotomo.com.
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Total Expert
Saint Louis Park - Total Expert is a fintech software pioneer of the first modern, enterprise-level Marketing Operating System (MOS) that enables financial services organizations to create customers or members for life by re-humanizing complex financial decisions. The company's system aligns marketing, sales and compliance in a single system of record, allowing salespeople to grow their marketing and sales efforts while ensuring they stay compliant with complex regulations and marketing content and brand assets can be developed at the community level and every asset ever created, downloaded or deployed is tracked with on-demand audit-level reporting, enabling businesses and mortgage related businesses to have settings for endless custom reporting and analytics options based on the unique preferences of the organization and manage their financial lives in the digital, social era.
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Trabian Technology
Indianapolis - Trabian Technology specializes in prototypes for mobile and online banking solutions. They are experienced in integrating platforms across a wide variety of languages and technology stacks. From prototyping to production, they are experts in software development within financial services.
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TrueAccord
Kansas City - TrueAccord is reinventing the relationship between creditors and lenders with a machine learning-driven, digital approach to debt collection. Our technology personalizes outreach to each customer across digital channels, continuously optimizing for performance while delivering a customer experience that builds long-term brand loyalty.
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Truebill
Silver Spring - Truebill enables members to manage their personal finances and improve their financial health through our platform that allows users to find, track, and manage their subscription services and recurring bills. To use Truebill, users must simply connect their bank account or credit card statement and instantly see everything they're paying for on a recurring basis. Any unwanted subscriptions can be canceled with just a few clicks. Truebill is backed by Y Combinator, Social Capital, Cota Capital, and Bessemer Venture Partners. The company was founded in 2015 and is based in San Francisco, California.
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Truework
San Francisco - Truework is a platform for employment and income verification that puts consumers in control of their personal data. The system digitizes the verification process for HR departments, banks, and others, to make it fast and secure for employees to get verified when applying for a loan, jobs, or apartment rental. Truework’s network of over 40,000 lenders, and background check companies, and other verifiers completes thousands of employment and income verifications every day. The employer network includes nearly 100 enterprise companies and more than 20,000 small businesses across all industries, from healthcare to technology, including The College Board, The Real Real, Oscar Health, The Motley Fool, and Tuft & Needle.
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Trust & Will
San Diego - Trust & Will is an online service providing legal forms and information that makes creating estate planning easy, fast, and secure. It is not a law firm and is not a substitute for a lawyer’s advice about complex estate planning. The company is backed by some venture capital firms including Revolution’s Rise of the Rest, Western Technology Investments, Luma Launch, Halogen Ventures, and Techstars, as well as angel investors. Trust & Will was founded in 2017 and is headquartered in San Diego, CA.
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Unchained Capital
Austin - Unchained Capital is a bitcoin financial services company that lends cash to long-term crypto holders. It offers cash loans to long-term cryptocurrency holders in a secure, fast, and transparent manner, backed by multi-signature cold-storage custody solutions. The company was founded in 2017 and is headquartered in Austin, TX.
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UpEquity
Austin - UpEquity is a tech-enabled mortgage platform creating a better way to buy a home. UpEquity empowers customers to close offers fast by leveraging its proprietary combination of free cash offers, automated underwriting and low mortgage rates. Even first-time homebuyers receive access to the best houses on the market, in turn democratizing the American Dream. UpEquity was founded in 2019 by Tim Herman and Louis Wilson while they were attending Harvard Business School and later graduated from Y Combinator's Summer 2019 accelerator program.
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Upserve
Providence - Every day, 14 million Americans show up to work at a restaurant. That’s 10% of the U.S. workforce. Almost all restaurants have fewer than 50 employees, and most are independent, not part of a giant chain. The restaurateurs leading these businesses run on tight margins. They don’t have a big capital budget. They aren’t software nerds. And most of all, they don’t have much time to get a handle on everything – guests, staff, menu, marketing and finance – making it harder than it has to be to take their restaurant to the next level. That’s why we created Upserve, the smart management assistant serving up clear guidance that makes your restaurant thrive. The magic ingredient. Offering pointed and timely guidance, Upserve makes it easier to manage guests, staff, marketing, finances, and even the menu. Running a restaurant isn’t going to get easier. But it will get smarter. Founded in 2009 by Angus Davis, the Providence, Rhode Island based company and is backed by First Round Capital, Shasta Ventures, Index Ventures, Pritzker Group and Greylock Partners, among others.
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Vanco Payment Solutions
Veracity Payment is a merchant acquirer and provider of payment transaction processing services, related software applications, and other value-added products to primarily small- and medium-sized merchants. As a third-party agent, the company performs multiple functions, including solicitation activities, the deployment of ATM, POS or kiosk PIN acceptance devices, the management of encryption keys, the issuing and acquiring side of a visa member’s business. In 2010, Veracity Payment Solutions acquired Vanco Services, a provider of electronic payment services. The company is now known as Vanco Payment Solutions.
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First Movers in Fintech

One of the first movers in the space with which most are undoubtedly familiar was PayPal, a company still making headlines today with its latest innovations and updates to its core services. Then came Square and Stripe in the late 2000s and Robinhood in the 2013 – three companies that completely shifted the trajectory of finance

Jack Dorsey’s Square and later competitors made it easier and faster for small businesses to make and receive digital transactions in-person by sliding cards in their proprietary square card reader. Today, the company is worth more than $100 billion.

Founded in Ireland, Stripe allows small e-commerce companies to collect digital payments via secure APIs online. Many of today’s largest direct-to-consumer brands’ payments are powered by Stripe. Now, Stripe is worth around $100 billion, similar to Dorsey’s Square.

Finally, through its mobile platform and application, Robinhood has made investing accessible to populations traditionally left out of the conversation. Their mission to “democratize finance for all” has certainly made an impact with more than 22 million users trading stocks and cryptocurrencies on the platform as of Q2 2021.

These fintech giants have dominated the last decade but it’s a new sector that’s gotten most of the attention the last year.

Jobs at Best Fintech Companies

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Fintech & Cryptocurrency

In 2008 Satoshi Nakamoto created a new currency called Bitcoin, which has resulted in an entirely new intersection and wave of innovation between finance and technology called cryptocurrency. And in the 2020s inspired by the advancements in computer science, many traditional banks and financial institutions have made the foray into cryptocurrency by allowing their customers to invest and save in the different models.

Founded in 2012 by Brian Armstrong, Coinbase has emerged as the leading exchange for cryptocurrencies large and small. In June 2021 they announced they had accrued more than 20 million users in the previous six months, for a total of almost 70 million individuals on the platform buying, selling and trading tokens.

As you’ll read, cryptocurrency is a growing movement within finance and demands your attention.

Fintech Companies That are Hiring

Check out these Fintech Startups that are currently hiring.
M1 Finance
Chicago - M1 Finance is The Finance Super AppTM that helps people manage and grow their money with control and automation – for free. With over $4 billion in assets under management, M1 has empowered hundreds of thousands of investors to open accounts and improve their financial well-being through investing, digital checking, and lines of credit.
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Boulevard
Los Angeles - Boulevard is the premier salon and spa management platform designed to streamline operations, increase sales, and delight customers. Developed in collaboration with industry-leading owners and operators, the company’s all-in-one platform includes client self-scheduling, CRM, marketing, custom reporting, and integrated payment processing. Boulevard delivers an intuitive, modern SaaS solution to an industry traditionally underserved by technology, helping them unlock their full potential. Boulevard is based in Los Angeles and was founded in 2016 by Matt Danna and Sean Stavropoulos.
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Bond
San Francisco - Bond is an enterprise-grade financial technology platform streamlining the integration between brands and banks, dramatically reducing friction and creating a more repeatable model. Through its AI-powered infrastructure, Bond enables digital brands to better engage their customers by offering personalized and compliant banking products.
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Engage
Seattle - Engage provides a real-time sales management platform for communication and live chat. It enables sales professionals to be available for immediate omni-channel customer interactions and sales. Engage is as useful to the daily life of a salesperson as telephone or email. Organizations deploy Engage to various digital touch points so their sales team members can instantly interact one-on-one with visitors, prospects, and customers. Engage was established in 2015 and is headquartered in Seattle, Washington.
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Obie
Chicago - Obie is an insurtech startup that offers insurance and risk management for real estate investors. It aims to provide a simple, affordable, and transparent experience for clients and their investment properties. Its technology guarantees industry-best rates for the property and casualty plans that are right for clients, ensuring that they, and their investments, are protected. Obie is now available to landlords and property investors in all 50 states.
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Pie Insurance
Washington - Pie Insurance is a workers’ compensation insurance company that provides workers’ comp coverage to small businesses through a simple online experience. The company offering A.M. Best A-rated insurance that leverages data analytics, easy-to-use online features, and a seasoned team of insurance experts to revolutionize workers’ comp for small businesses. As a technology-enabled workers’ compensation insurance company, Pie leverages extensive, high-quality data sets to segment and price small business policies, accurately assessing risks and passing savings on to small business owners. It intends to use the funds for the continued growth and expansion of its offering to small business owners and conduct strategic initiatives to form and purchase licensed insurance companies. Pie began selling workers comp insurance policies direct to customers in 2018. The company is led by co-founder and CEO John Swigart.
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Kabbage
Atlanta - Kabbage, an American Express company, has innovated a data and technology platform to provide small businesses automated cash flow solutions, including business checking accounts, online payments, business insights and its online lending platform which allows small businesses to quickly access ongoing lines of credit up to $250,000. Kabbage uses real-time data and automation to provide an integrated suite of financial tools empowering small businesses to spend less time on their books and more time on building thriving businesses. To date, Kabbage has provided more than 500,000 small businesses access to over $16 billion of working capital. Twitter: http://twitter.com/kabbageinc Facebook: http://www.facebook.com/KabbageInc Instagram: https://www.instagram.com/kabbageinc/ Learn more about Kabbage: https://www.kabbage.com/why-kabbage
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The Future of Finance & Technology

It’s difficult to say exactly where the finance and fintech environments are heading. In the last few decades our world has seen so much change in the seemingly traditional space that makes even the simplest predictions challenging.

However, you can bet your bottom dollar that the advancement toward equal access and opportunity for all will only accelerate with the help of technology and computer science. Thanks in part to innovations made by pioneers in the fintech space like PayPal, Square, Stripe, Robinhood and Coinbase in addition to cryptocurrency and its contributors.

Keep reading to learn which fintech companies are poised to steal the show and where you may have the best opportunity to make a great impact on the future of finance.

If you’re already sold on fintech companies in the Unvalley, join Powderkeg’s free, AI-powered talent matching service that will pair you with employers that fit your unique needs in an organization. Join today!

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Today’s Fintech Wave

You’ve learned about the biggest fintech companies like PayPal, Square, Stripe, Robinhood and Coinbase, and their contributions to the fintech environment. But, there are so many more top fintech companies making waves in the space. They’re making financial products accessible to third world countries, improving financial literacy and education for women, and disrupting traditional financial systems with bold, new ideas and algorithms.

Let’s take a glance at the top fintech companies in 2020 and 2021 and how they might grow beyond this point.

First, one of the most watched trends in the fintech world has been buy-now, pay-later (BNPL) companies like Klarna and Affirm. Instead of users having to pay all of an item’s cost upfront, BNPL services allow them to receive the product with a promise of paying back the cost over the next few months. BNPL companies often partner with larger outlets like Amazon, Walmart and Target for access to exclusive access to their shops and customers.

Founded in Sweden, Klarna has made its way around the world. They offer both B2B options where large retailers can partner with the BNPL company or B2C feature, where individuals can simply download the mobile app or browser extension and make four monthly payments for products instead of paying the cost upfront.

On a related note, Silicon Valley-based Affirm offers similar services to its retail partners and individuals.

Just as BNPL options have swept Silicon Valley, so too has cryptocurrency.

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Cryptocurrency’s Role in Fintech

Shifting gears to the fast-moving cryptocurrency space, exchanges are positioned to witness incredible growth in the 2020s. Just as Coinbase has grown considerably in the last twelve months, Kraken & Gemini are right on its tail.

Headquartered in San Francisco, Kraken was one of the first companies to offer trading to crypto enthusiasts. The Winklevoss twins Cameron and Tyler, made famous from their legal battle with Mark Zuckerberg over the inspiration behind Facebook, started their own cryptocurrency exchange in 2014 to compete with the likes of Coinbase and Kraken.

Today, Coinbase, Kraken and Gemini lead cryptocurrency companies in terms of users.

As we look toward the future in finance and technology, it seems as if cryptocurrency will almost certainly play a role.

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