30 Fintech Influencers you must know in Brazil

20 December 2016

Techfoliance and I identified the 30 most popular Fintech influencers in Brazil. Here is what we found.

Brazil is the most active country in Fintech in Latin America. With more than 200 start-ups in sectors ranging from payments to insurance, the country has become a major Fintech hub over the past years. More specifically, the city of São Paulo is the epicenter of the sector, where most start-ups, incumbents and investors are established and where top events such as Fintech Venture days, CIAB, São Paulo Fintech Summit or InnovationPay are held.

Fintech in Brazil: key figures

Brazil has one of the highest Fintech adoption rates in the world: ‘74% of bank customers adopted Fintech services’.

Nubank is the most funded Fintech start-up in the country and received almost $180 million since its launch in 2013.

As of today, Brazil has only half of its 200 million inhabitants online.

More than 55 million adults in Brazil still don’t have a bank account.

Mobile phone penetration is above 115% in the whole country.

More than 40% of the population remain excluded from traditional banking systems.

Top Fintech influencers in Brazil

We based our analysis on a series of metrics reflecting the engagement of each professional on the list in the Brazilian Fintech ecosystem, such as:

Professional achievements (founding / being a member of a Fintech company, having a relevant current role in the sector, attracting considerable amount of investments to one’s companies)
Participation in the Fintech community (organizing, hosting, speaking at or being a panelist at key events; being part of accelerators or associations fostering the development of the industry; being a thought leader in the sector)
Social media activity (having a relevant number of followers, sharing interesting content across different social media platforms)

Please keep in mind that this is not an exhaustive list. There are many more people currently contributing directly or indirectly to the Brazilian Fintech ecosystem.

Last update: 20 November 2016

	Name	Role	Sector	City
1	Bruno Diniz	Co-founder at InnerCore Solutions \| Fintech Advisor	Fintech	São Paulo
2	Fabricio Dore	Executive Design Director at McKinsey & Company \| Community Manager at Fintech Brasil	Fintech	São Paulo
3	Sergio Furió	Founder & CEO at BankFacil	Personal Finance	São Paulo
4	Sergei Terentev	FinTech & Payments Leader \| Entrepreneur	Payment	São Paulo
5	Alexandre Lara	Managing Partner at Clay Innovation \| Managing Partner at FintechLab	Fintech	São Paulo
6	Bruno Gambier	CTO at Kitado	Payment	São Paulo
7	Denisse Cuellar	Fintech Specialist at Clay Innovation	Fintech	São Paulo
8	José Prado Villela dos Reis	Founder at Conexão Fintech	Fintech	São Paulo
9	Marcos Cavagnoli	Managing Director at 4FINANCE	Payment	São Paulo
10	Daniel Bento	Co-Founder at Bravo3	Payment	São Paulo
11	Marcelo Eisele	Partner at Rnet Consulting \| Co-Founder at Blockchain Academy	Blockchain	São Paulo
12	Otto Bertanne	Co-Founder at Libor Fintech \| CFO at LIBOR GROUP	Asset Management	São Paulo
13	Fabio Gonsalez	Partner at Clay Innovation \| FintechLab	Fintech	São Paulo
14	Marcelo Bradaschia	Co-founder at Clay Innovation \| Co-founder at FintechLab	Fintech	São Paulo
15	Fabio Silva	Fintech Entrepreneur, Venture Capitalist & Innovator	Fintech	São Paulo
16	Thiago Alvarez	Founder at GuiaBolso	Personal Finance	São Paulo
17	Juliana da Cunha Assad	Director at LCR Capital Partners	Investment	São Paulo
18	Duarte Simões de Carvalho	Global Insurance FinTech Leader at EY	InsurTech	São Paulo
19	Fabiano Fialho Camperlingo	COO Brazil at SumUp	Payment	São Paulo
20	David Velez	Founder and CEO at Nubank	Personal Finance	São Paulo
21	Marcelo Maisonnave	Co-Founder at XP Investimentos	Investment	São Paulo
22	Eldes Mattiuzo	Co-Founder and CEO at Youse Seguros	Personal Finance	São Paulo
23	Igor Senra	CEO at Moip Pagamentos	Payment	São Paulo
24	Joao Canhada	CEO at Foxbit	Bitcoin	São Paulo
25	Marcelo Coelho	Country Manager at MercadoPago	Payment	São Paulo
26	Milton Tavares Neto	Co-Founder at Konduto	Security	São Paulo
27	Tom Canabarro	Co-Founder at Konduto	Security	São Paulo
28	Candice Pascoal	Co-Founder at Kickante	Crowdfunding	São Paulo
29	Vinicius Roveda	Co-Founder and CEO at ContaAzul	Accounting	Santa Catarina
30	Henrique Dubugras	Founder at Pagar.me	Payment	São Paulo

Please, feel free to add influencers in the comments below that we may have missed !

Can Paris become the new Capital of Fintech in Europe? Yes, at least for two days! – Episode 1

Team Europe

16 December 2016

Techfoliance is back on the road to go and meet the global Fintech community. Our ambition is to highlight emerging trends to better understand the future of finance. Our next stop will be Paris.

Next January, our team will be at the Paris Fintech Forum, one of the biggest event in Fintech. Check out here to have more information on the event !

Just to give you a quick overview of the size of this event, here is a map that illustrates the diversity of the Fintech that will be on stage to pitch their start-up:

During these two days, Paris will be the European Capital of Fintech and will host more than 120 Top-level Fintech start-ups coming from 25 countries. The event will take place at the Palais Brongniart which used to be the Paris Stock Exchange.

Once a week until the event we will share insights on one Topic and highlight 20 Fintech start-ups that will try to convince more than 1,200 professionnals and investors that their idea is about to revolutionnize the banking sector!

Episode 1 – Payment: what comes next?

In 2016, the market’s largest segment in Europe was “Digital Payments” with a total transaction value of US$541,394m according to a recent study published by Statista. Payment solutions also had the biggest impact on banking and have been recognised by experts as the hottest sector for the year 2016, followed by security / authentification and lending.

We suggest that you read Capgemini’s study on the 10 trends in Payments in 2016. The study shows the growth in adoption of digital payments, entry of non-traditional players and proliferation of immediate payments as well as the potential of Blockchain solutions that could further disrupt the industry.

Fintech20 Focus of the week:

Name	Description	Country	Sector
Active Asset Allocation	You perform, we protect. Managing your portfolio risks to fuel investment performance designing and monitoring risk-based strategies, achieving superior returns	France	Wealth Management
Allpago	Accept payments in LATAM	Germany	Payment
AlphaPayments	The AlphaHub is a brand new middleware layer that amplifies third-party solution access and simplifies the process of selecting new vendors down to a click.	Singapore	Payment
Amareos	Leader in Financial News Intelligence. Using crowd-sourced sentiment data and in-depth research we provide innovative insight into the drivers of global markets	Hong Kong	Big Data
Atom Bank	Here at Atom we're building a bank with none of the baggage of the past.	UK	Neobank
Au10tix	The company develops and implements solutions that automate the capture, authentication, validation and generation of digital records of identifying documents such as Passports, identity cards, driving licenses etc.	Cyprus	Software
Auka	We help banks succeed with mobile payments. Fastest growing fintech company in EMEA.	Norway	Payment
Azimo	The better way to transfer money worldwide.	UK	Money Transfer
Bankin	All your bank accounts, in real-time, in one single app	France	Personal Finance
Bitwala	Send & receive money globally. Cash out any currency to VISA debit card or bank account. 0.5% fees, instant and secure. Pay with Bitcoin, based on Blockchain.	Germany	Blockchain
Budget Insight	Connect your clients to their banks in a safe way with the API Budgea	France	Personal Finance
Bux	Stock trading made exciting for everyone. (your capital is at risk)	Netherlands	Trading
Cardlay	Cardlay Cards & Expenses is a single platform to issue, load and manage cards and expenses globally for complete visibility	Danmark	Payment
CashSentinel	Large payments. Safer than ever. With CashSentinel you can buy a vehicle easily and safely, wherever it is.	Switzerland	Payment
Clark	Disrupting insurance in Germany.	Germany	Insurance
Cloud Lending Solutions	We provide lenders with innovative cloud-based financial solutions that are flexible, comprehensive, secure and quick to implement.	US	Lending
Commeon	Le crowdfunding 100% mécénat. Le mécénat participatif pour tous.	France	Crowdfunding
Cross River Bank	Deliver Better Banking to individuals and companies across the United States.	US	Banking
Crowd Valley	The Cloud Back Office for Fintech platforms, accessible through a single API.	US	Software
CrowdProcess	Predict bad loans with Machine Learning	US	Machine Learning

#CuriosiTech – Discover the 4 Best FinTech of the week: Koho, Payfirma, Affirm and Payvega

Team Europe

15 December 2016

Every week, Techfoliance highlights four promising Fintech start-ups in different part of the world in various verticals: lending, payment, investment, etc. In this weekly FinTech mapping we have Koho, Payfirma, Affirm and Payvega.

Koho

Koho is a Vancouver-based FinTech that develops a mobile app linked to a Koho Visa Prepaid Card to allow users manage daily financial needs (direct paycheque load, bill pay, atm cash withdrawals, etc.). The start-up also built tools such as automated savings goals, real-time updates, transfers, spending insights and categorizations and much more. The start-up already raised $1M since its launch in 2014.

Discover here: https://www.koho.ca/

Payfirma

Payfirma is a Vancouver-based FinTech that helps businesses accept credit and debit card payments online, in store, and on their smartphone or tablet under a single merchant account. Their cloud-based payment platform securely processes payments and stores transaction data in one place, making it simple for businesses to use their sales data to make smarter business decisions about their customers, products, and employees. The start-up raised $23.5M since its launch in 2011.

Discover here: https://www.payfirma.com/

Affirm

Affirm is a San Francisco-based Fintech that offers installment loans to consumers at the point of sale. Its aim is to improve the banking industry to be more accountable and accessible to consumers. Founded in 2012, Affirm lets shoppers pay for purchases across multiple months with transparent, fairly-priced fees built into every payment, and increases conversion and basket size for e-tailers at less than the cost of credit cards. It raised $420M since its launch in 2012.

Discover here: https://www.affirm.com/

Payvega

Payvega is a Mumbai-based Fintech that helps its clients save money thanks to a safe and secure mobile banking experience. It describes itself as a bank account for the current generation. It is a mobile first bank that wants to respond to current and future needs of the people who demand more from their money.

Discover here: http://www.payvega.com/

5 Chatbots you must know in the Banking sector

Team Europe

11 December 2016

Could Chatbots have the same effects on mobile apps than Blockchain on the internet? The question is still hard to answer as we are still in the early days of Artificial Intelligence applied to bots.

However, one thing we know is that for the ‘first time ever people are using messengers apps more than they are using social networks‘ according to the media Chatbots Magazine. In a recent post, Christine Duhaime, founder of The Digital Finance Institute and Fintech influencer based in Canada, showed how big the opportunity was by pointing out the 2.5 billion people around the world that were now using daily messaging apps such as Facebook Messenger or WeChat.

Because the number of people using chatbots is expected to reach 2.2 billion by 2020, we thought that it would be interesting to highlight 5 chatbots that illustrate the potential of these technologies for financial services:

Personetics Anywhere

Personetics is a Tel-Aviv-based chatbot that provides a new way for financial institutions to engage with customers through messaging apps such as Facebook Messenger, Wechat, Skype and Amazon Alexa. Concretly, the chatbot allows banks to deliver timely insights and advice and satisfy their customers’ needs from the channels they are familiar with and whenever they want.

Ernest

Ernest is a London-based smart chatbot that answers questions and gives insights on its customers’ personal finances. Often compared as a ‘financial wellness coach’, it uses machine learning to help customers in the most efficient way and understand their needs to proactively provide them tips and notifications about the way they should manage their savings.

Plum

Plum is a London-based chatbot that has been developed by some of the early creators of Transferwise, the leading money transfer start-up. The chatbot describes itself as a ‘personal savings assistant’ which can give its users access almost instantly to their balances and chat with them to better understand their needs and expectations. The bot works with Facebook messenger and is still in beta test.

Finn.ai

Finn.ai (formerly know as Payso) is a Vancouver-based white-labelled virtual banking assistant, powered by artificial intelligence. Its ambition is to put a ‘personal banker’ in every customer’s pocket, helping them to manage their money wherever they are, whatever they need via a simple, natural conversation.

Abe

Abe.ai is a Orlando-based chatbot that develops a conversational banking solution for everyday people and community banks. It allows users to receive need-to-know updates on their money. Its ambition is to study the future cash flow of its users and plan out their financial week so that they never miss a bill and always know what the user can afford to spend.

10 French Influencers who Rock the Global FinTech Scene

Team Europe

7 December 2016

Techfoliance identified 10 french influencers in Fintech who are currently working abroad in investment firms, banks, consulting firms, Fintech start-ups or accelerators.

Please find below the overview of the 10 french influencers who are actively promoting the Fintech sector in different countries in the world.

Please keep in mind that this is not an exhaustive list, there are many other people that are contributing directly or indirectly to the Fintech ecosystem.

Claire Calmejane – London

Claire Calmejane is an innovative intrapreneur, recognised for her digital & fintech thought leadership, obsessed by customer design and driven by achieving challenging goals with a track record of building high performing teams. Claire joined Lloyds Banking Group in October 2012, where she was instrumental in building the innovation function and the digital people strategy. Prior to joining LBG, Claire spent 7 years consulting in Paris, Boston (US) and London, building robust organisational and analytical skills and leading the phase 1 of a research program around digital transformation at MIT.

Janos Barberis – Hong Kong

Janos Barberis is a Millennial in FinTech, recognized as a top-35 global FinTech leader by Institutional Investor Magazine. His expertise, developed within his PhD at HKU, is focused on the new regulatory considerations raised by the development of FinTech. He sits on the FinTech advisory boards of the World Economic Forum’s (WEF) and the Securities & Futures Commission (SFC). He founded 3 ventures to date: SuperCharger (Accelerator), FinTech Book (Publication) and FinTech HK (Research).

Huy Nguyen Trieu – London

Huy Nguyen Trieu is recognised as one of the “10 Influencers in London Fintech you need to know” by BoardStudios. Fintech Resident Expert at Oxford University. He serves as an advisor at Fintech HK, The Market Mogul and Fintech Connect. Ex-Managing Director at Citi and Ex-Fintech Advisory Board of the World Economic Forum. In 2016, he launched The Disruptive Group – after having built new businesses within large investment banks for more than a decade. Previously, I was co-founder and CEO of a Tech company in New York.

Sébastien Meunier – New York

Sébastien Meunier is strategy consultant in Finance at Chappuis Halder & Co in New York. He is passionate about innovation and new technologies, and has developed a large network in Fintech, meeting with many startups, investors and organizations in this space. Understanding the potential of the new technologies (blockchain, machine learning, open architectures, …) allows him to anticipate their impact and to create opportunities for Financial Institutions. He strives to bridge the gap between Business & Technology, driving growth and efficiency in Financial Institutions by connecting them with the best innovations from the market.

Thomas Pasturel – Montreal

Thomas Pasturel has an exotic profile. He is both a fintech specialist and a trader based in Montreal. He currently works with Inovestor, a fintech pioneer established in 1999 in Canada, and also owns an investment consulting firm, Vestri Technologies. He has an entrepreneurial mindset and advises fintech entrepreneurs on strategy and product implementation. He is the co-founder of Montreal’s biggest fintech community called FinFusion.

Pascal Bouvier – London

Pascal Bouvier is a reformed executive, entrepreneur and operator turned venture capital investor. He built the fintech investment arm of Route 66 Ventures and positioned it as a top 10 global fintech venture firm. He is now working at Santander InnoVentures and serves as an advisor in the board of various Fintech start-ups such as MyCheck or Clearmatics. He is also a mentor at Startupbootcamp London and New York and Block Chain Space and advisor at One World Identity and RegTech Lab.

Alexandre Gaillard – Geneva

Alexandre Gaillard is currently CEO and founder of InvestGlass SA – a swiss robo-advisor for wealth managers. He co-founded and is acting as Vice President of the Swissfintech National Association, gathering around 2000 members. He previously worked as head of equity sales at Union Bancaire Privée, as an Advisor / senior private banker at Bank of China and as a Portfolio manager at Levitt Capital Management. Alexandre is a board member of the Swiss Chinese Chamber of Commerce and likes to share his experiences with new fintech entrepreneurs.

Philippe Gélis – Barcelona

Philippe Gélis is currently CEO and Co-founder of Kantox, a multinational Fintech company offering FX management solutions absed in London and Barcelona. Recognised as a top voice in the Fintech sector, he is very often sharing his vision on the future of Fintech and key challenges for the sector in the coming years. He previously worked as a Strategy Consultant at Deloitte Barcelona and Antares Consulting Barcelona and worked for Santander with the consulting firm Axis Corporate on payment processes.

Damien Guermonprez – Brussels

Damien Guermonprez is a serial entrepreneur and venture capitalist in finance and in Fintech. He co-founded Lemon Way in 2009, a company that is providing payment processing, wallet management and third-party payment in a KYC/AML-regulated framework for the sharing economy. He bought with Apax Partners the Belgian subsidiary of BNP Paribas PF and sold it in 2014 to Chenavari Investment Managers. Previously, he founded and led 14 credit institutions, leasing and insurance companies, during the last 20 years. He was also an intrapreneur and CEO at Banque Accord, the Auchan banking division. Prior to Banque Accord, he was the CEO and founder of Case Credit Europe, the leasing division of Case Europe.

Frédéric Tardy – Hong Kong

Frédéric Tardy currently lead Marketing, Digital, Data, Innovation, Customer and Partnerships for AXA Asia. He previously managed digital activities of BNP Paribas PF. He also drove marketing and distribution at the AXA Group in 60 countries and is setting up global agreements with partners such as LinkedIn, Facebook, Blablacar, Alibaba, etc. He is a Board Member of AXA Global Direct (Direct Insurance leader), of AXA Strategic Ventures and Kamet (start up studio). He also serves as a mentor for start ups. He finally invested in Fintech start-ups such as Comparaonline in South America and has been awarded Chief Digital Officer of the year in France in 2015 and 2016.

#Event – Paris Fintech Forum, from Paris with Fintech Love

Team Europe

1 December 2016

Less than two months left before Paris Fintech Forum, the main digital finance and Fintech event in Europe, opens its doors in Paris.

In the year 2016, Paris Fintech Forum launched its first conference in Paris and gathered more than 70 Fintech start-ups and 850+ participants coming from 12 countries. Its ambition was to connect top-level entrepreneurs, experts, bankers, politicians and influencers from the financial and Fintech space.

With this first edition, the PFF2016 has established itself as an important voice in the public and private debate to shape the future of finance with experience and vision sharing from the most influential game changers.

For this year’s session, the #PFF2017 is expected to be even bigger with more than 1,200 interntional delegates. During the two days event, 120 Fintech start-ups will have the chance to pitch in front of a room full of investors and experts. Not only this will allow the start-ups to receive an amazing exposure from the international Fintech community but it will also allow them to find new partners to scale-up.

Among other things, participants will have access to an exhibition hall, company demos, networking sessions, gala diner and many more. The conferences will be conducted around key topics such as:

1/ CreCoopetition : Innovation in financial institutions, how to work together with fintechs

2/ Insurtech : potential and issues in Europe ?

3/ Payment : What comes next ?

4/ Wealth management : the new gold mine ?

5/ Private banking disruption at Fintech age

6/ Crowdlending : consolidation time ?

7/ Blockchain future and over buzz

8/ Neo banks Vs market reality

9/ Regulation in Europe : Path for disruption ?

10/ The place of France in the development of new digital finance services

Techfoliance is glad to come to this event as a media partner. We will forward you with daily live news so that you can follow the best of Paris Fintech Forum if you did not have the chance to come directly to Paris to attend the event.

Do not hesitate to contact us before if you want to manage a meeting with our team to share thoughts, become a contributor or pitch your Fintech to have an article in our media!

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Fintech in Brazil: key figures

Top Fintech influencers in Brazil

Episode 1 – Payment: what comes next?

Fintech20 Focus of the week:

Koho

Payfirma

Affirm

Payvega

Personetics Anywhere

Ernest

Plum

Finn.ai

Abe

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