Top risk management startups

Complete list of the most innovative risk management startups that are worth knowing:

Cowbell Cyber

Founded in 2019, Cowbell Cyber provides cyber insurance coverage paired with technology that continuously evaluates customers’ risk. Their AI-powered platform called Cowbell Factors gives real-time insight to both the insurer and policyholder.

Cyberattacks and data breaches create massive financial and reputational damage. Cowbell Cyber aims to pioneer the market with an insurance model tailored to rapidly shifting digital threats. Policy pricing adjusts according to the policyholder’s live risk posture. When systems are compromised, Cowbell Cyber’s forensic investigations and response services kick in.

CybelAngel

Founded in 2013, CybelAngel helps organizations identify and mitigate external digital threats. Their platform monitors the web and darknet for emerging risks.

CybelAngel serves customers worldwide across sectors like healthcare and finance. Clients use the intelligence to protect their digital assets and data. The platform aims to provide enterprise-grade cyber visibility.

BitSight

Founded in 2011, BitSight focused on helping organizations quantify and manage cyber risk. Their platform generates security ratings to assess vendor and investment risk.

BitSight serves enterprise customers globally. Clients use the ratings to benchmark security performance and make informed decisions. The platform provides data-driven cyber risk insights. BitSight delivers. Their ratings empower clients to monitor cyber risk and make smart security decisions.

ZeroFOX

Founded in 2013, ZeroFOX focuses on helping organizations address social media risks. Their platform integrates with SIEM and security systems to enable action.

ZeroFOX serves global customers across sectors like finance and retail. Clients use the intelligence to safeguard their brands and data on social platforms. The software aims to provide comprehensive social media risk protection. Judging by the proactive insights, ZeroFOX empowers organizations to tackle emerging social risks.

Cyberint

Founded in 2015, Cyberint helps organizations manage cyber threats proactively. Their platforms integrate intelligence to enable risk-based action.

Cyberint serves global enterprise customers across industries. Clients use the insights to safeguard critical digital assets and infrastructure. The solutions aim to provide advanced threat protection.

DeNexus

Founded in 2020, DeNexus aimed to help organizations measure and mitigate cyber risks. Their platform uses AI to identify assets, threats, and vulnerabilities.Customers leverage the data-driven insights to understand risk levels and make strategic security enhancements. The platform aims to deliver continuous visibility into cyber risk.

The platform empowers clients to uncover unknown threats and precisely gauge cyber risk. Judging by the AI approach, DeNexus enables data-driven monitoring, analysis and mitigation of cyber risk.

SPIN Analytics

Founded in 2012, SPIN Analytics aims to modernize credit risk management by leveraging cutting-edge technology. RiskRobot ingests data from multiple sources and uses machine learning algorithms to build predictive models that identify risky creditors or transactions. The software provides visualizations and analytics to help banks, lenders and businesses better understand risk patterns and strategies.

Unlike traditional credit risk software, RiskRobot can process both structured and unstructured data. This allows for more robust insights by incorporating external data like news, social media feeds, and macroeconomic trends. The software also continuously monitors models to detect potential biases or performance erosion over time.

Regtify

Founded in 2015, Regtify provides an intelligent platform to help financial institutions stay compliant amid constantly evolving regulations. The software ingests regulatory text and legal documents and uses natural language processing to identify changes that could impact a business.

Regtify goes beyond just tracking rule changes – it also monitors how new regulations could affect critical performance metrics. By using Regtify, financial services firms can reduce the resources required to manually track regulation changes across jurisdictions.

G-Square

Founded in 2017, G-Square focuses on bringing AI advances to market risk management. Their platform integrates alternative data and model development automation.

G-Square serves banks, asset managers and financial firms globally. Clients use the analytical insights to enhance market risk visibility and response. The software aims to sharpen market risk capabilities.

BigID

Founded in 2016, BigID aims to fill the technology gap around personal data security and privacy. The company’s platform uses machine learning and other AI techniques to automatically discover, catalog and manage sensitive customer data across an organization’s IT systems.

BigID goes beyond just tracking data to also help enforce privacy policies and compliance mandates. The software can mask or delete personal info as needed to align with regulations like GDPR and CCPA. It also generates audit reports to demonstrate compliance to customers and regulators.

Riskified

Founded in 2013, Riskified optimizes eCommerce merchant sales and fraud prevention. Their platform assesses shopper risk in real-time during transactions.

Riskified serves online merchants globally across industries. Clients integrate the solution to increase revenue from legitimate sales while blocking fraud. The platform aims to deliver a frictionless customer experience.

UpGuard

Founded in 2012, UpGuard helps organizations assess and mitigate cyber risk across the extended IT ecosystem. Their platform evaluates vulnerabilities and cyber hygiene.

UpGuard serves global customers across highly regulated industries like finance and healthcare. Their platform enables clients to uncover vendor weaknesses and take action to improve cyber defenses.

Sigma Ratings

Founded in 2017, Sigma Ratings helps financial institutions assess non-credit risks. Their platform analyzes ESG, compliance and other threat factors.

Sigma Ratings serves global banks, investors and governments. Clients leverage the risk intelligence to guide decisions and meet regulatory mandates. The ratings aim to deliver holistic risk profiling.

Haul

Founded in 2018, Haul set out to build an integrated platform for supply chain vehicle and workforce oversight. Their software centralizes compliance, safety and productivity tracking.

Haul serves shippers, carriers and brokers in transportation and logistics. Users benefit from streamlined visibility and control over assets and labor. The platform aims to deliver a unified command center reducing risks and costs.

FRDM

Founded in 2020, FRDM transform how businesses track and mitigate supplier risks. Their software integrates data to uncover ESG, compliance and financial threats.

FRDM serves global enterprises across industries. Customers use the risk insights to enhance supply chain resilience, compliance and values alignment. The platform aims to deliver comprehensive visibility into supplier risks.

Alpha Recon

Founded in 2021, Alpha Recon helps enterprises manage security risks comprehensively. Their software centralizes threat visibility, event tracking and program administration.

Alpha Recon serves global customers across sectors like finance and healthcare. Clients use the integrated platform to gain insights, coordinate response and demonstrate effectiveness. The software aims to optimize security operations end-to-end.

Cabrella

Founded in 2015, Cabrella focused on optimizing shipping and insurance for valuable cargo. Their platform analyzes routes, carriers and inventory data to reduce risks.

Cabrella serves global companies shipping precious goods. Users benefit from tailored coverage, real-time rate analysis and risk reduction. The software aims to deliver integrated shipping and insurance optimization.

Seerist

Founded in 2018, Seerist aimed to deliver real-time geopolitical risk insights to enterprises. Their platform continuously monitors news, data and other signals globally.

Seerist serves multinational corporations across sectors. Clients use the risk intelligence to guide global strategy and operations. The platform aims to provide an early warning system for geo-economic threats.

Solytics Partners

Founded in 2015, Solytics Partners delivers data and analytics solutions tailored for financial services and healthcare. Their offerings include analytics implementations, AI solutions and data products.

Solytics Partners serves global clients across banking, insurance, asset management and clinical domains. Customers leverage the expertise and solutions to extract value from data and accelerate digital initiatives. The services aim to enable data-driven decision making and innovation.

EcoVadis

Founded in 2007, EcoVadis brings sustainability ratings to procurement. Their software evaluates supplier policies, practices and metrics across ESG criteria.

EcoVadis serves global enterprises across sectors. Customers use the ratings and scorecards to monitor supplier sustainability and risks. The platform aims to provide actionable insights for sustainable sourcing.

SAI Global

Founded in 2004, SAI Global delivers standards and assurance solutions. Their offerings help organizations manage risk, achieve compliance and build trust.

SAI Global serves customers worldwide across sectors like manufacturing and retail. Clients rely on their expertise to navigate standards, regulations and ESG frameworks. The services aim to enable effective risk-based decision making.

Conclusion

As emerging threats become inevitable realities, the shortcomings of traditional risk management approaches are being exposed across sectors. Legacy providers simply lack the advanced analytics, real-time visibility, and quantitative modeling needed to help organizations prepare for and navigate today’s complex risks. This is fueling intense demand for a new generation of risk startups offering cutting-edge capabilities tailored to modern volatility.

Top customer service startups

Complete list of the most innovative customer service startups that are worth knowing:

Sitecore

Founded in 2001, Sitecore is a software company that provides tools to manage customer experiences across websites, mobile apps, and other channels. Their flagship product is a content management system that lets marketing teams create, edit, personalize, and optimize digital content.

The Sitecore platform goes beyond basic CMS features to handle marketing automation tasks like email campaigns, social media posting, and lead management. All customer interactions get recorded in one centralized data hub to give a complete 360-degree view.

MadKudu

Founded in 2015, MadKudu is focused on leveraging data to enhance B2B targeting and sales efficiency. Their platform analyzes signals to profile and prioritize accounts.

MadKudu serves B2B companies across sectors like software and manufacturing. Customers integrate the technology to focus sales efforts on qualified accounts. The platform aims to optimize sales funnel ROI.

MaestroQA

Founded in 2019, MaestroQA helps organizations optimize customer service and success using data. Their software evaluates interactions and skills.

MaestroQA serves businesses across sectors like tech and retail. Customers gain insights to enhance CS team training, workflows and staffing. The analytics aim to inform customer experience optimization.

AfterShip

Founded in 2012, AfterShip helps ecommerce merchants deliver transparent, positive shipping experiences. Their software tracks orders and shipments.

AfterShip serves online retailers across sectors like apparel and electronics. Merchants gain data to proactively update customers and respond quickly. The platform aims to build delivery trust and loyalty.

Threekit

Founded in 2015, Threekit aimed to make online shopping more engaging through 3D product experiences. Their software generates interactive 3D models.

Threekit serves retailers, brands and manufacturers across sectors. Customers integrate 3D models into product pages and ads to demonstrate products digitally. This aims to drive consideration and sales.

Chattermill

Founded in 2016, Chattermill focuses on helping organizations optimize experiences using customer dialogue data. Their software synthesizes and evaluates conversations.

Chattermill serves global businesses across sectors like retail and technology. Customers gain a unified voice of the customer to guide strategies, processes and training. The analytics provide comprehensive CX intelligence.

SnatchBot

Founded in 2017, SnatchBot makes bot development accessible to organizations without relying on data scientists. Their visal editor enables drag-and-drop bot building.

SnatchBot serves global businesses across sectors like banking and retail. Customers use the bots to automate customer service queries and tasks. This aims to improve efficiency and consistency of routine customer interactions.

Timepoints

Founded in 2020, Timepoints helps organizations optimize experiences by capturing timely customer input. Their software creates and distributes surveys.

Timepoints serves businesses across sectors in Latin America. Customers gain on-demand customer insights to quickly address problems and guide strategies. The surveys aim to inform experience improvements across the organization.

Directly

Founded in 2016, Directly transforms customer service using AI-powered automation. Their platform responds to inquiries automatically using natural language capabilities.

Directly serves global enterprises across sectors like tech and retail. Customers integrate the AI to handle routine questions and tasks automatically. This aims to boost efficiency and consistency of customer interactions.

Careem

Founded in 2012, Careem aimed to build ride-hailing and delivery solutions tailored for the region. Their app matches riders with local drivers.

Careem serves customers across 100 cities in the Middle East. Riders access convenient and familiar transportation while drivers earn income flexibly. The app provides localized ridesharing.

Cognigy GmbH

Founded in 2017, Cognigy GmbH delivers an accessible enterprise-ready conversational AI tool. Their platform enables automation of interactions through voice and text.

Cognigy serves global businesses across sectors like finance and retail. Customers use the no-code platform to build chatbots and voice assistants handling thousands of queries. The AI aims to offer efficient, consistent customer service.

Assent Compliance

Founded in 2005, Assent Compliance are helping enterprises collect, analyze and act on supply chain data. Their platform centralizes supplier information and documents.

Assent Compliance serves global organizations across sectors like manufacturing and retail. Customers use the software to map supplier networks, identify risks and obtain audit evidence. The platform aims to provide supply chain visibility and compliance.

Cortex

Founded in 2018, Cortex makes advanced analytics available to organizations without data science expertise. Their no-code platform generates insights.

Cortex serves B2B companies across sectors like technology and manufacturing. Marketers use the software to analyze campaign, account and pipeline performance on the fly through an intuitive UI. This provides marketing intelligence.

Alice Labs

Founded in 2015, Alice Labs makes conversational AI accessible to organizations without technical resources. Their no-code platform automates interactions.

Alice Labs serves global enterprises across sectors like retail and insurance. Customers use the platform to build chatbots, virtual assistants and text workflows handling thousands of conversations. The AI aims to offer efficient, consistent customer and employee experiences.

iAdvize

Founded in 2010, iAdvize provides retailers with always-on customer engagement through conversational commerce. Their platform routes chat and voice queries to human agents.

iAdvize serves global retailers and brands. Customers integrate the platform to offer personalized, immediate shopping assistance. This provides an enhanced digital experience driving consideration and sales.

AnyDesk

Founded in 2014, AnyDesk offers a fast, secure remote desktop solution accessible from any device. Their software enables remote control and file transfer.

AnyDesk serves individuals and organizations globally. Users benefit from accessing desktops and managing servers remotely with low latency. The software provides reliable remote access and administration.

Roamler

Founded in 2011, Roamler offers a flexible crowdsourcing workforce performing tasks in the field on demand. Their platform assigns localized jobs to mobile workers.

Roamler serves global enterprises across sectors like retail and logistics. Customers distribute tasks like audits, QA checks and data collection to the on-demand workforce. This provides scalable field support.

Happy Returns

Founded in 2015, Happy Returns is focused on streamlining product returns for ecommerce merchants and shoppers. Their solutions include AI-powered software and drop-off return hubs.

Happy Returns partners with retailers across sectors like apparel and consumer electronics. Merchants utilize their services to make returns seamless for customers and cost-effective for their business. This aims to drive loyalty and sales.

Breeze Airways

Founded in 2021, Breeze Airways delivers a refreshing, customer-centric approach tailored for underserved routes. Their offerings focus on value, simplicity and efficiency.

Breeze serves leisure travelers in the US. Passengers enjoy low base fares, high flexibility and family-friendly amenities. The airline provides an uncomplicated, affordable option.

Lessonly

Founded in 2012, Lessonly offers an easy-to-use training platform for ongoing employee development. Their software creates bite-sized learning lessons.

Lessonly serves organizations across sectors like retail and financial services. Customers use the tools to create and deliver training content that builds employee skills. This aims to drive productivity and consistency.

Wrench

Founded in 2016, Wrench aimed to simplify auto repair and maintenance through mobile mechanics and online fleet software. Their platform schedules repairs and manages fleets.

Wrench serves consumers and fleet operators across the US. Customers book a mechanic on-demand or use the software to optimize fleet workflows. This provides convenient, centralized vehicle management.

Conclusion

With customizable options to suit businesses large and small, these customer service startups have great potential to pave the way for the next generation of customer experiences. Their success promises a future where high-quality customer service is the norm, not the exception.

Top femtech startups

Complete list of femtech startups that are worth knowing:

Maven Clinic

Founded in 2014, Maven Clinic is a digital health company focused on women’s care surrounding pregnancy and new motherhood. They offer virtual appointments, content, and care programs from preconception into the return-to-work phase after maternity leave.

The Maven platform provides access to telehealth appointments, 1:1 messaging, and real-time classes with a trusted network of women’s and family health practitioners. Patients connect privately via chat, video, or phone with ob-gyns, therapists, career coaches, and other specialists.

Nixit

Nixit launched in 2018 to reinvent the menstrual cup. Their cup is made of soft medical-grade silicone. It has a unique shape that forms to the user’s body. This makes it easier to insert, wear, and remove.

The Nixit cup can be worn for up to 12 hours, holding over three times more fluid than a tampon. Since it collects rather than absorbs, the risk of leaking or overflow is low. The reusable cup also produces less waste compared to pads and tampons.

Carrot Fertility

Founded in 2017, Carrot Fertility provides comprehensive fertility navigation, financing, and mental health support as an inclusive employee benefit. Their platform guides employees through evaluating options all the way through parenthood.

Key offerings include fertility education, emotional support, personalized guidance from fertility nurses, and flexible financial plans covering IVF, adoption, surrogacy, and egg freezing. This provides compassion and resources.

Every Mother

Every Mother launched in 2019 to help moms heal after baby. Their regimen targets common issues like leaks, prolapses, and back pain. The exercises are demonstrated in videos that moms can do at home.

The program is personalized and progresses over time. Moms get access to training plans, reminders, and expert support. There are modifications for C-section, pregnancy and other conditions.

LactApp

Founded in 2017, LactApp provides breastfeeding education, tracking, advice, and community support for nursing mothers. Users log sessions to monitor infant health and get AI-generated guidance to troubleshoot issues.

Key features include lactation analytics, baby growth charts, postpartum health trackers, expert video lessons, and peer discussion groups. This gives mothers confidence and care anytime.

Allara Health

Allara was founded in 2020 to address gaps in PCOS diagnosis and management. Their program offers remote consultations, customized treatment plans, and continuing care. Patients get access to obstetrician-gynecologists as well as nutrition and lifestyle support.

Key features include hormone testing, ultrasounds, and medication delivery if needed. The Allara platform provides community support and PCOS education resources. Ongoing monitoring helps ensure treatments remain effective.

Elektra Health

Elektra launched in 2021 to improve menopause care. Their customized programs help women manage issues like hot flashes, sleep changes, and mood swings. Users get telehealth visits with menopause specialists. There is also an app for tracking and 24/7 care team messaging.

Key features include evidence-based content, community support groups, and at-home lab test kits. Treatments and therapies are tailored to the individual. The platform aims to educate and empower women during this transition.

Elvie

Founded in 2013, Elvie wants to improve women’s health through smarter technology. Their wearable, silent breast pumps allow moms to pump anywhere. The Elvie Trainer app guides women through kegel exercises to strengthen the pelvic floor.

Key features of their products include discreet design, tracking and analytics in the app, and lightweight components. Elvie aims to give women the tools to take care of their bodies with confidence and comfort.

Twentyeight Health

Founded in 2020, Twentyeight aims to make women’s health simple and stigma-free. Their platform offers customized birth control, fertility support, prescription treatments, and more. Everything is handled through their app – no doctors visits needed.

Users start by taking a health assessment quiz. Then they connect with a Twentyeight provider for a consultation. The provider creates a personalized treatment plan which could include prescription birth control pills or patches. These are quickly shipped to the patient’s door in discreet packaging.

Vira Health

Vira launched Stella in 2021 as a solution for menopause care. The app offers a 12-week program to relieve symptoms like hot flashes. Users get personalized hormone, nutrition and lifestyle plans.

Key features include telehealthprovider access, community support groups, and progress tracking. Treatment plans adapt over time to optimize results. The science-based content aims to educate and empower women.

Avestria Ventures

Founded in 2019, Avestria focuses on innovations in femtech, fertility, maternal health, menopause, and more. Their portfolio contains companies like Tia, Elektra Health, and PeriGen.

Avestria provides funding as well as strategic support to founders. Their network of advisors offers critical industry expertise. The fund guides startups from seed to series A fundraising and beyond.

Emm

Founded in 2018, Emm has created a menstrual cup and period tracker app. The app lets users log symptoms and track their cycle. The cup monitors blood volume and cervical fluid to provide personalized health insights.

Key features include reusable cup options, custom cycle forecasts, and science-based education content. Emm aims to destigmatize periods while optimizing care through data.

FemHealth Insights

Founded in 2020, FemHealth partners with companies to guide strategy, investments, and innovation in women’s health. Services include market research, trend analysis, and founder introductions.

Key offerings include landscape mapping, opportunity assessments, and launch readiness evaluation. FemHealth leverages expertise and connections to illuminate insights.

Midi Health

Launched in 2021, Midi Health provides telehealth visits, care plans, and community support. Patients connect with doctors and coaches to manage symptoms and navigate life transitions.

Key offerings include hormone testing and replacement if needed, mental health support, and personalized health tracking. Midi aims to provide judgement-free care that empowers midi-life women.

FemTech Lab

Founded in 2020, FemTech Lab builds digital health products focused on women’s wellbeing throughout life’s stages. Their solutions address menstruation, fertility, pregnancy, menopause, and conditions like PCOS holistically.

Flagship products include the Mindd fertility tracking app, Rae menopause support app, and Clementine women’s hormone companion app. Each provides science-backed guidance and community tailored to stage of life.

Noula

Founded in 2021, Noula guides women through perimenopause, menopause, PCOS, and other transitions. Users take assessment quizzes and track symptoms in the app. This data generates customized supplement, nutrition, and lifestyle recommendations.

Key features include telehealth provider access, community support groups, and evidence-based content. Treatment plans evolve over time for optimal results. Noula aims to educate and empower people navigating hormone changes.

Origin

Key features include 1-on-1 therapy sessions, personalized treatment plans, and expert guidance. Origin aims to destigmatize and optimize care for overlooked conditions.

PCOS Challenge

Founded in 2006, PCOS Challenge aims to empower patients and improve care through knowledge. Their website has evidence-based information about symptoms, treatments, and lifestyle changes. Resources are also available for doctors seeking to improve PCOS management.

Key initiatives include online and in-person events, advocacy campaigns, and a peer health coach program. By educating stakeholders, PCOS Challenge drives progress in research, clinical practices, and public understanding.

Ro

Founded in 2017, Ro offers personalized diagnosis, treatment, prescription delivery, and ongoing care in one platform. Patients connect virtually with medical professionals and get medications shipped to their door.

Key offerings include subscription erectile dysfunction, hair loss, and dermatology treatments. Ro aims to bring healthcare home by removing barriers like access, stigma, and cost.

SteelSky Ventures

Founded in 2019, SteelSky Ventures provides capital and support to seed stage femtech founders. Their portfolio contains companies like Moody Health, Obatala Sciences, and NextGen Jane.

SteelSky Ventures guides startups from founding to follow-on funding and beyond. Their team offers critical industry expertise and connections. The fund aims to elevate entrepreneurs advancing women’s wellbeing.

Wellen

Founded in 2019, Wellen designs programs to improve bone health through exercise. Members get plans tailored to their needs and risks. Coaches provide 1-on-1 support and monitoring. Education resources empower women to advocate for their health.

Key features include virtual strength training, impact modifications, and community support groups. Wellen aims to help women regain strength, mobility, and confidence.

Conclusion

Although the field is still nascent, some femtech startups have already achieved tremendous success with their groundbreaking technologies and services aimed at empowering women with more knowledge, access, and control over their own health.

Top fintech startups

Complete list of fintech startups that are worth knowing:

Monzo

Founded in 2015, Monzo aims to make digital banking more convenient, transparent, and user-friendly. Their interface allows customers to check balances, send money to friends, divide bills, and set spending budgets. Users also get instant notifications for every expense and income transaction.

Beyond personal finance management, the Monzo app enables direct integration with other helpful services too. Customers can securely connect Monzo to budgeting apps, credit services, savings platforms, and more.

Sendwave

Founded in 2014, Sendwave leverages partnerships with banks and agents globally to facilitate electronic deposits, cash pickup, and mobile wallet delivery in a growing number of corridors between developed and emerging markets.

By streamlining digital sending and localized payout, Sendwave removes barriers to financial support flowing where it matters most. Their network bridges international remittance gaps.

BharatPe

Founded in 2018, BharatPe enables merchants to accept QR code payments through their app and offers easy access to loans based on transaction history. Additional services facilitate bank account opening and tax filings.

By streamlining business financial needs on one platform, BharatPe empowers the growth of underserved merchants and retailers. Their innovative services help small businesses compete in the digital economy with financial visibility and control.

Wise

Founded in 2010, Wise aimed to disrupt the expensive money transfer industry. Banks typically charge high fees and use poor exchange rates when people need to send money internationally.

Wise built a smarter cross-border transfer network. They have local bank accounts around the world that enable real exchange rates. This cuts out the fees and rate markups of banks.

Affirm

Founded in 2012, Affirm aims to provide an alternative to credit cards for financing purchases. Shoppers can apply to split any purchase over $50 into biweekly or monthly installments. Approval only takes a few seconds.

Affirm partners with thousands of retailers to offer installment loans at checkout. Customers can use Affirm online or in stores like Walmart, Target and more. There are no late fees or hidden costs – just clear payment terms upfront.

Gohenry

Launched in 2012, Gohenry aims to make learning about money engaging for youth. Kids get personalized debit cards to use in stores or online. Parents manage the accounts through a mobile app.

Parents can set spending limits, choose where the card can be used, and track purchases. Kids learn to budget allowances, save for goals, and make smart spending choices.

Bookipi

Founded in 2013, Bookipi aims to simplify billing and money management for solopreneurs. The intuitive app allows creating, sending, and tracking invoices with just a few taps.

Users can connect bank accounts to automatically sync income and expenses. Expenses can be tracked with receipt photos for taxes. Reporting provides insights on cash flow, profit and loss, and other metrics.

Z1 Conta

Launched in Brazil in 2019, Z1 Conta aims to prepare the next generation for smart money habits. The app has digital bank accounts without monthly fees or hidden costs. Z1 Conta turns saving, budgeting, and spending into a game with points and rewards. There are financial education courses and content tailored to youth as well.

Users can receive PIX instant payments from relatives and make purchases online or in stores. Parents can oversee accounts and transfers for oversight. By making digital banking interactive and educational, Z1 Conta engages young users. The app empowers teenagers and young adults to use money consciously, establishing healthy financial skills.

Toast

Founded in 2011, Toast offers an all-in-one platform for restaurants’ technology needs. Their point-of-sale system lets restaurants take orders, process payments, and track sales data. Toast’s software also covers guest marketing, online ordering, team management, and inventory. Features are tailored specifically to simplify restaurant operations.

By combining hardware terminals, financial software, and analytics, Toast gives restaurants complete visibility and control. Owners gain insights to optimize operations and boost profitability.

Credflow

Founded in 2020, Credflow aims to make business credit more accessible and affordable in India. Their automated platform assesses applicants’ financial records, bank statements, tax filings, and other data points.

Advanced analytics and artificial intelligence evaluate the data to generate risk scores and insights for lenders. This gives lenders increased confidence during underwriting. Business owners benefit from faster, fairer access to working capital loans.

Spiff

Founded in 2018, Spiff integrates the data, systems, and workflows of finance teams. The software automatically matches records across sales, HR, accounting, and other departments. Spiff syncs data flows to reduce manual work and errors. It provides a unified dashboard to manage core financial operations in one place.

Advanced machine learning identifies patterns and surfaces insights to drive growth. Spiff uncovers new sales opportunities and incentives to maximize revenue. By centralizing financial data and leveraging AI, Spiff increases productivity and performance. The platform reduces friction and complexity in managing core finance functions.

TrueLayer

Founded in 2016, TrueLayer aims to make it easier to access financial data. Their open banking platform connects to bank APIs in Europe and the UK. This allows apps to directly yet securely access users’ financial data and payment rails. TrueLayer handles all the integrations and authentication.

Developers can then build personalized money apps and services using TrueLayer’s infrastructure and dashboard. The startup empowers innovation in finance. TrueLayer has enabled new digital banks, credit apps, investment platforms and more. By unlocking financial data, they are helping shape the future of finance.

Thought Machine

Founded in 2014, Thought Machine wants to empower banks to quickly innovate and meet customer needs. Most banks rely on old, inflexible technology that is hard to improve. Thought Machine’s Vault system is built natively in the cloud. This makes it easy for banks to continuously develop new features and apps.

They gain agility to evolve with trends and regulations. Banks can use Vault to rapidly launch new products, optimize operations, and improve digital experiences. By migrating core systems to an adaptive cloud platform, banks can better serve customers.

Rally

Launched in 2017, Rally opened up alternatives investing in high-end assets beyond just the wealthy. Their platform allows buying partial ownership in collectibles starting at just $10. Rally thoroughly vets and acquires assets from top auctions and dealers. Then shares of the assets are sold publicly on their app and website.

Investors can browse and track collectibles like a financial portfolio. There is potential for appreciation as assets increase in value over time. Rally also offers storage, insurance and sale facilitation for holdings.

Arthena

Founded in 2017, Arthena aims to bring sophistication to art investing through technology. Their platform analyzes millions of data points to identify promising artists and works.

Advanced algorithms evaluate factors like auction results, exhibitions, media mentions, and expert reviews. This data feeds proprietary models that identify investment opportunities.

Debbie

Launched in 2018, Debbie aims to motivate people to become debt-free. Users link their credit cards and loans to create a unified dashboard showing what they owe. The app builds a tailored payoff plan based on balances, interest rates and monthly budgets. As milestones are met, users earn redeemable points.

Debbie provides tools to visualize progress and the impact of interest over time. Automated payment tracking keeps users motivated and accountable. By making debt repayment a rewarding game, Debbie drives engagement and success.

Ozone API

Founded in 2020, Ozone API aims to accelerate open finance adoption. Banks want to provide open APIs but struggle with complexity and regulation.

The Ozone platform handles secure data access, consent, risk checks and more. Banks can quickly launch compliant, value-adding APIs for things like account aggregation, payments, and personal finance apps. Going beyond just compliance, Ozone APIs create opportunities for banks. Third-party partnerships drive innovation and revenue generation.

WeCovr

Founded in 2019, WeCovr is pioneering embedded insurance in the UK. Their API platform lets businesses integrate customized insurance into their existing services. WeCovr has already issued over 100,000 policies embedded into apps, websites, and devices. Partners benefit from new revenue streams while protecting users from risks.

For example, a travel app could insure against trip cancellations or lost luggage. A fitness app could insure accident damage to a smart watch. The options are vast. WeCovr handles everything from risk analysis to claims management on behalf of partners. This allows focus on core offerings while WeCovr layers on protection.

Kymatio

Founded in 2021, Kymatio aims to make the human the strongest link in cyber defense. Their platform gauges employee preparedness through phishing simulations and other tests. Kymatio provides personalized training to improve cyber vigilance based on risk profiles.

Training is continuous to counter evolving threats like phishing, ransomware, and social engineering. For IT teams, Kymatio offers analytics to identify and address vulnerabilities. Automated scanning uncovers exposed credentials before criminals can exploit them.

Yoello

Founded in 2015, Yoello provides an alternative to expensive card payments. Customers simply scan a QR code to pay or place orders without downloads or signup. For peer-to-peer payments, money moves straight from bank account to bank account. This avoids credit card fees. Yoello also facilitates account-to-account transfers for businesses.

Vendors across retail, restaurants, events and services use Yoello for checkout and ordering. It’s easy to set up and integrate with existing systems.

Paysme

Launching in 2022, Paysme aims to be the go-to finance app for SMEs in Southeast Asia. Despite being a large market, SMEs are underserved when it comes to digital tools. The Paysme super app will consolidate essential business services into a single intuitive platform. Features will be tailored specifically to SME workflows and needs.

SMEs will be able to get paid, access capital, manage finances, and more in one place. By integrating seamlessly with partners, Paysme makes business management simple. Paysme seeks to empower SMEs through easy digitization. The super app model provides convenience alongside the expertise and network of collaborating specialists.

Conclusion

Investors and consumers alike can expect fintech solutions to expand access to financial services, increase efficiency, and continue to evolve to meet customer needs. With talented founders identifying gaps in the market and creating innovative products, fintech startups seems poised to keep transforming how we manage our money for the foreseeable future.

Top PaaS startups

Complete list of the most innovative PaaS startups that are worth knowing:

Vercel

Founded in 2015, Vercel is a platform that makes it easier for web developers to deploy and run applications. Its front-end cloud infrastructure takes care of scaling, speed, and security needs.

The Vercel platform automatically adjusts capacity so sites can handle spikes in traffic without crashing. Pages load incredibly fast thanks to their global network of edge servers that cache content near users. Developers also get benefits like SSL encryption, DDoS protection, and serverless static storage out of the box.

Data Republic

Founded in 2014, Data Republic pioneered collaborative data sharing. Their platform provides protected data discovery, exploration and exchange across organizations.

Members can search for relevant data sets from other members and request access. If approved, they can analyze the data in a privacy-preserving sandbox via apps and analytical tools.

Tradologics

Founded in 2018, Tradologics intends to simplify systematic trading through its integrated SaaS platform. Traders can backtest and build strategies without managing servers and tools.

The platform provides prebuilt connectors to data sources, trading venues, and brokers. Strategies built visually can be deployed instantly to trade live markets. With Tradologics, quants and traders bypass infrastructure hassles that typically delay development. The cloud platform handles the heavy lifting behind automating trades.

Bitrise

Founded in 2015, Bitrise targets to optimize and accelerate mobile app dev workflows. Their platform automates manual processes like building, testing, and releasing apps across iOS, Android, and web.

Developers connect their code repositories to trigger automated CI/CD pipelines. Apps are built, tested on both emulators and real devices, then released to app stores. Integrations support tools like GitHub, GitLab, and Slack.

Buildkite

Founded in 2014, Buildkite aims to make CI accessible while protecting code privacy. Companies can run automated builds, tests, and deployments on their servers without relying on third-party services.

The agent-based architecture scales efficiently across distributed systems. Pipelines integrate with GitHub, Slack, AWS, and 350+ other tools. Access permissions protect IP and code.

Realfinity

Founded in 2015, Realfinity modernizes the home buying and financing journey through technology. Their HomeDashboard app syncs users’ real estate and mortgage accounts into one place.

HomeDashboard provides mortgage calculators, refinancing guidance, home value estimates, maintenance reminders, and other tools to simplify homeownership. Users connect with experienced local professionals for their needs.

OutSystems

Founded in 2001, OutSystems intends to accelerate development through an easy-to-use, low-code approach. Developers can drag-and-drop components to build web and mobile apps, integrate data, and apply logic through a visual interface.

This speeds development by as much as 10 times compared to traditional hand-coding. Apps are compiled into optimized code that easily integrates APIs and databases. AI-assistance further boosts productivity.

YourBase

Founded in 2018, YourBase targets to help developers test code changes faster before merging into the main codebase. Slow tests create bottlenecks that slow down development velocity. The YourBase platform runs tests in parallel across a serverless cloud infrastructure. Tests finish in minutes instead of hours, allowing rapid iteration.

Engineers gain speed without compromising on quality. For companies looking to scale development, YourBase saves countless hours otherwise wasted waiting on tests. Automated, ultra-fast testing enables teams to ship code changes confidently at higher frequency.

Sanity

Founded in 2015, Sanity provides a cloud-based headless CMS giving developers and editors freedom in how content is displayed across devices. Content is decoupled from the presentation. The editor lets marketers and copywriters create and manage content intuitively like in a document editor. Content is then delivered via APIs for display in apps, sites, IoT devices, and more.

Sanity handles the backend complexity of content infrastructure. Teams gain flexibility to deliver experiences fast on any channel. The platform scales from small sites to enterprise deployments.

IntelePeer

Founded in 2003, IntelePeer unifies business communications onto a single cloud-native platform. This consolidates disjointed apps and services into one cohesive workflow powered by APIs.

IntelePeer offers pre-built solutions like contact center, communications APIs, chatbots, and digital self-service. Features can also be mixed and matched to create customized engagement flows. For sales, service, and marketing teams, IntelePeer streamlines omnichannel experiences under one roof. Intuitive tools accelerate creation of seamless, integrated journeys.

Shape Technologies

Founded in 2021, Shape Technologies aims to accelerate payments innovation. Their PPaaS platform has pre-built components for key functions like merchant onboarding, reporting, reconciliation, and more.

By tapping Shape’s pre-integrated modules, payments providers can get products to market in weeks instead of years. The PPaaS offering reduces the need for custom software development.

Tripism

Founded in 2015, Tripism intends to enhance business travel experiences. Travel suppliers can showcase deals, perks, and tips to corporate audiences they want to reach. Users exchange hacks and advice within their company community.

Employees save time researching travel details and maximize value from corporate deals. Brands and operators reach corporate travelers planning specific trips for their company. By bridging suppliers to corporate trip planners with relevant, timely content, Tripism streamlines business travel.

Headlessforms

Founded in 2021, Headlessforms provides the infrastructure to deploy code-free web forms. Creators design forms visually using tools like Carrd, Webflow, and Bubble.

When published, forms connect to Headlessforms to securely capture submissions, email notifications, Zapier integrations, and more. There’s no need for databases or server management.

MetaEditor

Founded in 2022, MetaEditor targets to enable any company to deploy immersive 3D experiences on the open metaverse. Their browser-based editor and open-source components speed development.

With MetaEditor, enterprises can build virtual spaces for collaboration, events, training, simulations, and more. Novice users can create metaverse apps in minutes with configurable templates.

Omnio

Founded in 2018, Omnio aspires to modernize legacy banks with agile technology. The configurable modular platform offers digital banking, card issuance, lending, identity services, and open APIs.

Banks can quickly create modern digital experiences for customers using Omnio’s pre-built components. Corporates can embed financial services in their own apps and products.

Northflank

Founded in 2018, Northflank aims to streamline infrastructure provisioning for DevOps and site reliability engineering (SRE) teams. Cloud complexity makes deployments slow and prone to errors.

Northflank’s unified API and CLI automate infrastructure build-out across public, private, hybrid, or edge environments. Teams codify and deliver infrastructure-as-code faster. By unifying and optimizing infrastructure deployment, Northflank empowers innovation in the multi-cloud age. The company tames cloud complexity for organizations pursuing digital transformation.

Insight Terra

Founded in 2019, Insight Terra aims to provide end-to-end visibility into mining environments and infrastructure. Their platform ingests and analyzes data from a range of sources across a site.

Advanced sensors paired with satellite, drone, and visual data create a comprehensive monitoring network. Operators gain a unified command center to view safety-critical information.

Microsec, Inc.

Founded in 2022, Microsec, Inc. provides runtime protection for cloud-native assets. Traditional security tools are blind to identities, entitlements, and vulnerabilities in IaaS, PaaS, and containers.

Microsec, Inc. scans cloud configurations, network traffic, and user behavior to identify risks. Machine learning detects anomalies and prevents attacks like crypto mining and data exfiltration.

Parametrix

Founded in 2021, Parametrix provides protection against lost revenue due to IT failures. Companies integrate Parametrix’s monitoring API into their stack. If downtime is detected, affected customers are compensated.

Payouts issue swiftly via Stripe or ACH when downtime hits key service thresholds. Parametrix’s proactive model improves customer retention and trust after outages.

SKUxchange

Founded in 2015, SKUxchange digitizes offers, enables mobile redemption online or in-store, and settles transactions. Brands gain real-time visibility into promotion performance across retailers.

The platform serializes digital offers at the point of publication to prevent duplication and fraud. Hyper-targeted promotions use retailers’ first-party data.

Datrics

Founded in 2018, Datrics aims to democratize AI by making core capabilities usable for the average business professional. The intuitive interface guides users through key steps like data prep, model selection, evaluation, and deployment.

Citizen data scientists can leverage automation and templates to develop ML applications faster. Tools covering data annotation, model governance, reproducibility, monitoring, and more accelerate development and maintenance.

Conclusion

 While a one-size-fits-all PaaS option may not exist, thesePaaS are delivering tailored solutions for modernization across sectors and use cases. No matter the specific needs of engineering teams—whether embedded analytics insights or smoother CI/CD pipelines—the newest generation of PaaS continues lowering barriers to deploying robust apps in the cloud.

Top GovTech startups

Complete list of GovTech startups that are worth knowing:

Flock Safety

Founded in 2017, Flock Safety provides advanced camera systems and software to help police departments and local governments enhance public safety. Their solutions leverage license plate recognition technology to assist in investigating and preventing crimes.

Small wireless cameras capture footage of vehicle license plates and sync it to Flock’s cloud-based platform. Law enforcement accesses a searchable record linking plates to locations and times. This helps authorities pinpoint suspect vehicles and piece together travel patterns.

Abstract

Founded in 2021, Abstract aims to modernize government affairs through an integrated SaaS solution. Teams can create, coordinate, and execute on advocacy campaigns efficiently in one place.

The workspace centralizes research, stakeholder mapping, grassroots mobilization, hill outreach, regulatory tracking, and reporting. Automation and collaboration features enhance productivity.

Afya Pamoja

Founded in 2017, Afya Pamoja enables healthcare organizations to monitor patient satisfaction and perceptions through mobile-based surveys. Patients provide quantitative ratings and qualitative reviews.

The platform captures patient feedback across all touchpoints – from booking to discharge. Retail-style metrics and analysis guide hospitals to better understand experiences and perceptions.

ClimateView

Founded in 2021, ClimateView helps city leaders coordinate and accelerate progress on sustainability. ClimateOS consolidates siloed climate data and tracks progress toward emission and resilience targets.

The software models policy impacts, optimizes planning, and unifies stakeholders around shared metrics and dashboards. Automation enhances staff productivity and collaboration across agencies.

Faradai

Founded in 2022, Faradai aims to make decarbonization strategic, quantified, and manageable for companies. Their software assesses the current carbon footprint and models the impact of reduction levers to guide planning.

The platform aggregates climate data, visualizes progress toward goals, and unifies action across business units. Dashboards track ROI on sustainability investments and identify emerging risks and opportunities.

Usercentrics

Founded in 2018 in Munich, Usercentrics provides consent tools that align with global privacy regulations like GDPR and CCPA. Their customizable UI captures active consent from users to cover data usage.

Ongoing preference management lets users control consent choices at any time. Dashboards provide transparency including consent status by region, user, partner, and purpose.

Adarga

Founded in 2018, Adarga provides tools to apply AI for tasks like pattern detection, predictive analytics, and automating decisions. Pre-built modules integrate seamlessly into existing systems and workflows.

With intuitive interfaces and automation, Adarga allows non-experts to leverage AI without data science resources. Users can focus on applying insights rather than model development.

Opendatasoft

Founded in 2012, Opendatasoft simplifies aggregating disparate data sources into unified hubs. Intuitive tools help transform raw data into compelling visualizations, analytics dashboards, maps, and more.

With embedded AI features, data can be analyzed to surface trends and stories. APIs distribute data to other apps and systems. Customizable branding provides white-label data products.

Drone Defence

Founded in 2015, Drone Defence offers a platform to integrate and analyze data from diverse sensors and systems related to drone and air traffic management. This creates a common operating picture.

Customers can detect, identify, monitor, intercept and land drones using Drone Defence technologies. Safety and security is ensured for sensitive locations and controlled airspace.

Ulobby

Founded in 2020, Ulobby centralizes stakeholder data, automates administrative tasks, and provides collaboration tools tailored to public affairs workflows. Teams can coordinate outreach and track progress.

Relationship mapping visualizations provide visibility into influence networks for issues and bills. Teams can determine strategy based on stakeholder positions, leverage points and connections.

Protex AI

Founded in 2019, Protex uses computer vision and AI to continuously monitor employees, equipment, and job site environments. Unsafe behaviors and conditions are identified to enable preventative interventions.

The technology integrates with cameras and sensors to watch for risks like missing protective gear, improper form, and potential collisions between workers and vehicles. Alerts notify sites of developing hazards.

Tended

Founded in 2019, Tended offers a connected worker platform that continuously monitors safety threats like fatigue, distraction, and improper equipment use. Discreet wearables track individual behaviors and environmental conditions.

Intelligent alerts notify workers of developing risks so they can self-correct in real-time. Data powers personalized interventions based on behavioral tendencies.

Peregrine Technologies

Founded in 2016, Peregrine builds workflow applications and analytics tools tailored to clients’ operational needs. Integrations consolidate enterprise data into a unified command center.

Automation, AI, and visualization capabilities provide stakeholders shared situational awareness and actionable insights. Operations teams gain real-time visibility to guide responses.

Bonfire Interactive

Founded in 2013, Bonfire provides tools to efficiently run tenders and auctions for suppliers. Customizable workflows support different purchasing models with compliance safeguards.

Procurement teams can manage the bid process end-to-end on Bonfire’s cloud platform. Vendor communications, document sharing, bids analysis, and payments handling is streamlined.

FiscalNote

Founded in 2013, FiscalNote applies machine learning and natural language processing to extract key details from bills, regulations, and news. Advanced analytics assess factors to estimate policy impacts.

Organizations gain comprehensive real-time visibility into policy issues across all government levels. Dashboards deliver actionable intelligence to inform strategy and advocacy.

CivicPlus

Founded in 2001, CivicPlus offers an integrated suite of tools optimized for public sector organizations to build and run their official websites and manage broad community engagement.

The customizable platform enables creating informational websites with news updates, events calendars, forms and documents, and user-friendly access to services. Integrations synchronize data across other systems.

BondLink

Founded in 2009, BondLink provides tools to help issuers effectively manage the bond financing lifecycle, from document management to investor relations and reporting. The platform centralizes data and workflows for efficiency.

Issuers and investors benefit from digitized workflows, AI-enabled analytics, and centralized access to capital market data. BondLink aims to bring increased transparency, compliance, and accessibility to municipal finance.

OpenGov

Founded in 2012, OpenGov provides tools specifically designed for the planning, analysis, and citizen collaboration needs of local, state, and federal agencies. The software centralizes data for comprehensive insights.

Public officials gain visibility into budgets, forecasts, and performance metrics to guide better decision-making. Automation and scenario modelling enhance strategic planning. Residents can engage with interactive dashboards.

Callyo

Founded in 2020, Callyo provides tools for online investigations of crimes against children, human trafficking, and victim exploitation. Features like alias search and analytics accelerate lead generation and analysis while ensuring civilian rights.

For investigators overwhelmed by expanding caseloads, Callyo solutions enable achieving more with constrained resources. Their privacy preserving technology promotes community trust and safety.

HAAS Alert

Founded in 2015, the HAAS Alert network uses GPS tracking and digital alerts to notify nearby drivers through mobile apps when emergency vehicles are enroute. Alerts indicate position to improve roadside safety.

For EMS, fire, and law enforcement responding urgently to incidents, HAAS Alert delivers key warnings to clear paths quickly and safely. The system works even when sirens and lights are not used.

RapidDeploy

Founded in 2016, RapidDeploy unites data and stakeholders across public safety onto a unified, resilient platform. Advanced analytics, automation, and real-time coordination accelerate emergency responsiveness.

By centralizing fragmented legacy systems and siloed data sources, RapidDeploy provides comprehensive situational awareness and life-saving intelligence to first responders.

Conclusion

Early successes among these startups demonstrate that government agencies are gradually embracing new solutions to better serve constituents. With continuing technological progress, adequate funding, and public sector partnerships, these govtech startups could profoundly improve people’s experience interacting with government by updating legacy systems to be more accessible, responsive, and human-centered.