Scaling innovation with startups, from city planning to gamifying rewards points

55/Redefined (U.K.): Championing age diversity and enabling businesses to attract, grow and engage talent and consumers over age 50. 

"55/Redefined is an organization that is standing up for the over 50s, tackling ageism and supporting organizations and individuals through midlife,” says Lyndsey Simpson, founder of 55/Redefined. “Our mission is to be the most trusted global platform for over 50s and those looking to engage with them."

Apptividad (Costa Rica): Improving end-to-end onboarding processes by reducing operational risks and scaling productivity for financial institutions.  

"We wanted to help financial institutions automate their customer onboarding processes," says Henry Sequeria, co-founder of Apptividad. “Now with the next generation of our onboarding platform, we are taking the bank to where the customer is and giving them capabilities to access the unbanked."

Appyway (U.K.): Helping cities optimize their network through a digital curbside management platform that enables drivers to drive less, park faster and pay with ease. 

"Seamless payments are an essential ingredient for reducing congestion and pollution, as well as unlocking the connected vehicle revolution," says Dan Hubert, founder of Appyway.

IDPBR (Brazil): Providing user onboarding and ID issuance through a robust anti-fraud process, with face liveness detection. 

"Worldwide businesses demand secure, frictionless, simple, fast and robust solutions to ensure that a person applying for a specific product or service is the person they claim to be,” says Carlos Collodoro, co-founder and CEO of IDPBR. "With reusable digital identity, we’ve found the right solution to confirm this."

IncumbentFI (U.S.): Empowering financial institutions to seamlessly connect existing debit cardholders to fintech services through an embedded software solution.

"The future of banking is not a competition between old and new, but a collaboration of tradition and innovation,” says David Strebinger, co-founder of IncumbentFI.

Infinia (Uruguay): Boosting conversion, reducing costs and streamlining cash flow for merchants with instant account-to-account payments powered by open banking. 

"We are on a mission to bring financial inclusion to LAC with creative open banking solutions that utilize new payment flows," says Alejandro Rettig, co-founder of Infinia.

Knot API (U.S.): Enabling banks to allow their customers to instantly update card information for merchants, increasing bank account utilization and bringing in more revenue for the bank. 

“Inefficiencies in card-on-file systems weren't just glaring; they were costing banks and consumers time and money,” says Kieran O’Reilly, co-founder of Knot API. “Knot aims to be the indispensable hub for all card-on-file activity — simplifying merchant connectivity and turbocharging revenue.”

Lysian Labs (Sweden): Unifying fintech and gaming mechanics to revolutionize how companies working with gamers are rewarded.

“Financial services impact our daily lives, but they’re also currently one of the most mundane experiences in our daily lives,” says Fidan Gutaj, co-founder of Lysian Labs. “Our mission is to bridge that gap, and rewards are just the beginning!”

PayGround (U.S.): Bringing patients, providers and payers together to complete health care payments securely and conveniently.  

“We are building a health care payment network where clinics, hospitals and payers go to PayGround to share outstanding patient balances and patients can pay bills easily — with multiple affordable payment options,” says Drew Mercer, co-founder, CEO of PayGround.

Qlub (UAE): Enabling an ultrafast checkout experience for dine-in customers at restaurants while increasing table turnover and tips for greater customer satisfaction. 

“By combining two mega-trends — QRs in restaurants and cashless payments — we are creating the payment function of the future,” says Eyad Al Kassar, CEO and co-founder of Qlub.

Vipaso (Austria): Integrates an app-based, white label system that uses Bluetooth Low Energy© to connect payments between consumers and merchants globally. 

“Contributing to financial inclusion is a truly inspiring goal,” said Wolfgang Platz, founder of Vipaso. “Bringing more people into the formal economy will help emerging countries tremendously and improve the quality of life – that’s something to fight for!"