Flint Capital的动态

??Financing is a major hurdle for #SMEs and #startups, but Froda is helping banks and #fintechs close the gap. Stella Snickare VP explains for Maddyness UK By offering embedded financing solutions, Froda enables financial institutions to... ??serve SME clients profitably ??improve customer loyalty ??generate new revenue streams. Partnering with neobanks like Kontist, Froda delivers white-labelled loan products integrated directly into banking apps, using real-time data for smoother customer experiences. ??With a plug-and-play approach and passportable EEA licence, Froda is scaling across Europe, helping more SMEs access the funding they need for growth. #SMEs #Fintech #BusinessLoans

?? Financing remains a key challenge for #SMEs and #startups, but Froda is here to bridge the gap for banks and fintechs. ?? In a recent interview with Maddyness UK, Stella Snickare, VP at Froda Embedded, shares how their embedded financing solutions enable financial institutions to: ?? Serve SME clients more profitably ?? Boost customer loyalty ?? Open up new revenue streams Through partnerships with neobanks like Kontist, Froda offers white-labelled loan products seamlessly integrated into banking apps, powered by real-time data for a frictionless experience. ?? With a plug-and-play model and an EEA passportable licence, Froda is expanding across Europe, helping more SMEs access the funding they need to fuel growth.

ClearScore acquires Manchester based fintech Aro Finance Limited to expand in embedded finance #ClearScore, a global #fintech and data-driven financial marketplace, has announced the acquisition of #AroFinance, signaling its strategic expansion into #embedded finance and secured loan broking. Founded by CEO Justin Basini, ClearScore serves nearly 24 million users worldwide, offering a trusted credit marketplace and innovative tools like its debt consolidation technology, "Clearer." Aro Finance, led by CEO Emma Steeley, has established itself as a pioneer in embedded lending solutions, seamlessly connecting borrowers with financial products within retail ecosystems. By joining forces with ClearScore, Aro will expand its reach, leveraging ClearScore’s network of financial partners and data-driven approach to provide broader and more tailored lending options to consumers. This acquisition follows ClearScore’s purchase of Money Dashboard (acquired by ClearScore) in 2022, which fueled the development of D?One, an open banking service that enhances lender underwriting processes. The addition of Aro Finance represents another significant milestone in ClearScore’s journey to diversify its product range and channels to market. The article on FinTech Global in the first comment.

Finished with a life changing article by Sauradeep Bag of #orf that highlighted the efforts of fintech startups changing credit lending for people that are not included in traditional credit lending benchmarks. It's a move that can be a game changer for people who are stuck in systemically rigid credit lending practices. link: https://lnkd.in/gnFWRVP8

In an interview with DigFin Group, 费轶明 Michael Fei PAObank's Chief Executive and Executive Director, discussed challenges SMEs face in the market and how PAObank can better serve them by offering innovative banking services. At PAObank, serving SMEs goes beyond just having technology. It requires the use of real-time data and efficient business processes, such as fast loan approvals and reducing paperwork, to cater to the specific needs of SMEs from different industries. PAObank will continue to focus on its specialties and?to provide more values to SMEs by offering more and tailored financial solutions. ? To learn more about PAObank's approach to serving SMEs and their leadership in this space, you can read the full article here:?https://lnkd.in/gva2pFth #PAObank?#FirstSMEvirtualbank?#BestvirtualbankforSMEsinHK?#virtualbank?#SMEbank?#SMEbanking?#FinTech?#Leadership

Zilch expands securitisation to $150 million with major investment from Major Global Credit Fund with Deutsche Bank #Zilch, the #payments innovator behind the world's first ad-subsidised payments network (ASPN), has successfully expanded its securitisation facility by an additional?￡50 million, bringing the total to?￡150 million. This latest round includes participation from two of the world's largest credit funds, alongside lead arranger?Deutsche Bank. Founded by?Philip Belamant?(CEO and Co-Founder),?Sean O’Connor, and?Serge Belamant, Zilch is revolutionizing the payments industry by merging the best of debit, credit, and savings. Their innovative model allows customers to earn up to 5% cashback and rewards on debit payments ("Pay Now") or spread interest-free credit repayments over six weeks or three months. In doing so, Zilch helps customers build their credit profiles with major credit agencies. The expanded facility will enable Zilch to support?￡10 billion in annual commerce?and maintain its rapid growth trajectory. Just four months after the initial securitisation announcement, this expansion reflects the acceleration in Zilch's transaction and lending volumes. In September 2024, four years after its public launch, Zilch announced it had achieved first-month profitability while surpassing a $130 million revenue run rate, keeping pace with European #fintech giants like Revolut, Starling Bank, and Monzo. With over 4 million registered customers, Zilch continues to innovate by offering personalized savings, deals, and discounts through its proprietary ASPN service. The article on Yahoo Finance in the first comment.

Yango Partners With Yabx and Groupe COFINA to Launch in-app Digital Lending Services in Cote D’ivoire Puneet Chopra, Chief Growth Officer at Yabx, commented, “This partnership with Yango represents a key milestone in our mission to deliver financial services tailored to emerging markets. By embedding lending directly within the Yango platform, we are removing barriers to financial access, offering users quick and convenient access to capital. We believe embedded lending has the potential to transform access to credit in underserved regions and contribute to a more sustainable gig economy across Africa.” https://lnkd.in/ew8rBqXj Sié Amed TOURE Kapil Dev Gupta Tuhina Choudhury Rajat Dayal ESTELLE T. Ndeye Siga Gueye #fintech #finance #banking #paytech #payments #fintechnews #paymentsnews

When it comes to fintech partnership contracts, it pays to sweat the small stuff. Hear about what you must include from both fintechs and community bankers, including David Robinson and Tom Kientz of Academy Bank in Kansas City. https://lnkd.in/g-DhywfR #independentbanker #communitybank #communitybanking

HES Fintech Welcomes Andrew Clouston as our New Market Advisor/Partner for the ANZ Region We're thrilled to announce that Andrew Clouston is joining the HES Fintech family as our Market Advisor/Partner for Australia and New Zealand. With a decade's worth of tackling some of the most demanding challenges in financial technology, Andrew has consistently proven his ability to innovate and evolve within the industry. His unique background as a founder who has built and delivered cutting-edge technology for tier-one banks, along with his innovation leadership as a bank executive in tech selection, makes him an indispensable asset for our drive into the Australian market. His expertise comes at a crucial time as we continue to dismantle the complexities that have long been a hallmark of financial services technology. With Andrew's strategic guidance, HES Fintech is poised to propel Australian lenders into a new era with our AI-driven loan origination, management, and servicing solutions. Why Australia and New Zealand? The ANZ region is a thriving hub for financial services, with a strong demand for innovative #fintech solutions. Coupled with rigorous financial regulations, companies here are in urgent need of technologies that not only enhance efficiency but also ensure compliance and data protection. That’s where HES Fintech steps in. Our AI-driven solutions transform the traditional #loan processing landscape. From origination to servicing, our tools are designed to streamline operations while adhering to the strictest compliance and security standards. Please join us in welcoming Andrew to our team. Together, we look forward to forging a path of fintech innovation in Australia and New Zealand. #FinancialInclusion #HESLoanBox

In an insightful article from PYMNTS, industry leaders Sheel Mohnot from Better Tomorrow Ventures and Kamran Ansari from Headline discuss how recent rate cuts could positively impact lending-focused FinTechs. The article delves into the potential benefits for companies like Ramp and Coast, particularly those reliant on loans for cash flow. However, relief might take time, especially for paycheck-to-paycheck households burdened by credit card debt. Read more about how these changes could shape the future of FinTech. https://lnkd.in/ei_vnfaf #Fintech #FintechNews