Startups Directory

Klarna is a buy-now-pay-later (BNPL) platform that enables customers to split purchases into interest-free installments or pay within 30 days, while merchants get paid upfront. The platform serves e-commerce retailers globally and offers additional features like price comparison, cashback rewards, and price tracking. Klarna differentiates itself by not charging late fees on its popular 4-installment payment method and has integrated with 24 of the top 100 US retailers, more than any competitor.

JUMO is a Banking as a Service platform that uses AI to power financial services in emerging markets. The platform provides end-to-end banking infrastructure (Core) and an AI processor (Unify) that makes credit decisions using non-traditional data points like GSM records and mobile wallet transactions. JUMO enables credit access for entrepreneurs without prior financial history, partnering with mobile network operators and banks across Africa to disburse loans and reach underserved populations.

CloudPay is a global payroll SaaS platform that processes payroll, payments, and workforce management for multinational organizations across 140+ countries. It handles 3+ million payslips annually and over $24 billion in payment transactions, consolidating fragmented payroll processes across geographies, currencies, and regulatory environments. The platform automates calculations, ensures local compliance, and provides centralized visibility into payroll costs and performance. CloudPay serves enterprise customers including Visa, Wayfair, Wells Fargo, Expedia, and the London Stock Exchange.

M2P Fintech is an API infrastructure platform that enables banks, fintechs, and digital platforms to embed financial products into their customer journeys. The company offers a 'bank-in-box' solution with core banking systems, loan management, payment processing, and compliance tools that connect to public infrastructure, incumbent banks, and NBFCs. Operating across 30+ markets in Asia Pacific, MENA, and Oceania, M2P powers 200+ banks, 300+ lenders, and 800+ fintech engagements serving 50+ million end users.

Stronghold creates virtual payment networks that instantly settle transactions and enable interoperability between legacy banking systems and blockchain-based payment rails. The platform offers card processing, ACH transfers, merchant financing, and checkout services, with the unique ability to bridge traditional and modern payment infrastructure. They specifically serve high-compliance industries like gambling and alcohol that struggle to access financial services, rewarding transaction volume with SHx tokens that offset fees.