#CuriosiTech – Discover the 4 Best FinTech of the week : Ewala, Koalect, Pom and Seraphin

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18 October 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 : Ewala, Koalect, Pom and Seraphin.

The four Fintech were selected to pitch during the Fintech Belgium Summit in which Techfoliance was a media partner.

Ewala

Ewala is an Brussels-based FinTech that lets you send airtime credit to your friends’ and families’ mobile phone anywhere around the world.

Discover here: www.ewala.co

Koalect

Koalect is a Brussels-based FinTech that builds tailor-made fundraising platforms for NGOs and local organizations. The start-up has been awarded “winner of the public prize” during the Fintech Belgium Summit.

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

Pom

Pom is a Brussels-based FinTech that allows people to quickly and easily process their invoices. They can scan and pay their paper invoices, electronic invoices are sent straight to POM. It has been awarded “winner of the jury prize” during the Fintech Belgium Summit.

Discover here: https://justpom.it

Seraphin

Seraphin is a Brussels-based FinTech that allows people to manage their insurance easily from their sofa. It also allows people to buy directly a dedicated insurance on the platform. The start-up describes itslef as the first digital insurance broker.

Discover here: www.seraphin.be

Top 10 Fintech VCs in France

By

Team Europe

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17 October 2016

6

Last January, Techfoliance published its first ranking of the Top 10 Fintech VC in France. Few months later, we come back with an updated ranking of the most active VC funds in Fintech.

According to a recent study published by Accenture, investments in Fintech in France increased by more than 750%, from €22 million to €189 million between 2014 and 2015.

Techfoliance introduces you its Top 10 of the most active VC funds in Fintech in France:

Please note that the ranking has been made according to public data communicated by the VC funds and Fintech start-ups. The portfolio of these investment funds may include undisclosed deals.

Last update: October 17th, 2016

Rank	Name	Deals	Verticals
1	Kima Ventures	At least 22 public deals: - Paymium - Transferwise - Equitizen - Bluevine - Back ops - Expensebot - eShares - Gradible - Givesurance - Leetchi - Neema - Ziptask - Curve - Afrimarket - Pay by group - Finexkap - Tacotax - Pumpkin - Payfit - Younited Credit - Promisepay - Rewardspay	Payment Remittance Bitcoin Lending Insurance Personal finance
2	XAnge	12 public deals: - BBSP - Fidor Bank - Fimasys - Harvest - Kiss Kiss Bank Bank - Ledger - Lydia - MicroDon - Savedo - Sidetrade - Smart Angels - Currency cloud	Neobank Crowdfunding Bitcoin Payment Investment
3	Partech ventures	11 public deals: - Atlas - Getsafe - Monax - Getinsured - Compte Nickel - Kantox - Lendix - Novicap - Auxmoney - Xfers - Ascend Consumer	Insurance Neobank Payment Lending Transfert d'argent
4	Apana	11 public deals: - Pumpkin - Tiller Systems - Evollis - BabyLoan - Bulb in Town - Hoolders - Wedoogift - TacoTax - Invex - Buy Way Personal Finance - Lemon Way	Payment Lending Investment Personal finance
5	Newfund	8 public deals: - Paymium - Finaho - iBillionaire - Tradeit - Limonetik - Joxko - Beyond ratings - Sabr.io	Bitcoin Investment Payment
6	Iris Capital	5 public deals: - BuyBox - Clear2Pay - Getsafe - Kyriba - Tyntec	Insurance Payment Software
7	Truffle Capital	4 public deals: - Credit;fr - Paytop - Smile&Pay - Wizypay	Lending Remittance Payment
8	360 Capital Partners	4 public deals: - Unilend - Selftrade - Leetchi - Tiller Systems	Lending Payment Software
9	Orange Digital Ventures	4 public deals: - Afrimarket - Chain - KissKissBankBank - Pay joy	Remittance Crowdfunding Payment Blockchain
10	Idinvest partners	3 public deals: - Kantox - Leetchi - SmartAngels	Investment Payment FX

If you think we have missed VC funds that are higly invested in the french Fintech ecosystem, please feel free to add them up below in the comments!

Facts&Figures – Challenger Banking Industry and Trends by Devie Mohan and Finleap

By

Team Europe

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8 October 2016

2

Techfoliance wants to highlight key data and information from the most interesting Fintech reports and researches so that you can go straight to the point.

Devie Mohan, a fintech advisor, writer and researcher, in partnership with the Berlin-based Finleap recently published their first Fintech report: The Challenger Banking Industry and Trends.

Key FIGURES on Challenger Banks

The UK itself has witnessed over 30 challengers applying for a banking licence in the past four years, but just 8 banking licences were granted by regulators between 2010 and 2015.

Customer confidence in banking: UK – 33%, France – 33%, Germany – 40%, Italy – 24%, USA – 37%, Thailand – 89%, Malaysia – 86%, Philippines – 77%, China – 72%, India – 70%.

Smartphone penetration: Singapore – 92%, South Korea – 82%, UK – 75%, USA – 70%, Germany – 65%, Hong Kong – 63%, China- 58%, Israel – 57%.

Market acceptance; 57% of consumers in the UK have been with their account provider for more than 10 years and 37% for more than 20 years. Less than 3% switched their personal current account in 2015.

By 2020 student debt is expected to grow to a staggering $3 trillion.

Adoption propensity: Hong Kong (29%), US (17%) and the UK (14%).

SME Lending: On average, credit bureaus in the EU only have credit information on 67% of SMEs, reducing SME loans.

UK regulation: The FCA regulates ~56,000 firms providing financial products and services to both UK and international customers.

Key FACTS on Challenger Banks

3 types of ‘Challenger Banks’: embryonic, real and pseudo challengers

The location of Challenger Banks:

Regulation: Newer banks are required to hold more capital (8 -10 times higher than big banks) because they have fewer years of data on the robustness of their lending.

Too see the full report, please follow this link

#Lending – The ‘crème de la crème’ at Lendit Europe

By

Team Europe

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6 October 2016

0

Few days left before LendIt Europe, the biggest Fintech event in the world dedicated to the lending sector, opens its doors in London.

Most of the european maket leaders will come to Lendit to talk about the future of lending in Europe and in the rest of the world. Below is a list of the main platforms that will be represented during the event:

Among the topics that will be discussed we have: the state of the European lending sector, the regulatory framwork, emerging platforms in smaller markets, the partnership with banks, etc. and many more.

Please note that we will provide you with daily live news all along the event!

Fund story #2 – Discover this week’s top funding rounds in Fintech

By

Team Europe

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6 October 2016

0

You wanna know what’s hot in Fintech outside your country? Then you got to follow our weekly fund story that reveals the top funding rounds made by Fintech start-ups in Asia-pacific, Europe, Africa, North America and Latin America.

Please note that we can highlight older funding rounds in the case that we are not able to provide information on a fundraising made during the current week.

ASIA-PACIFIC

Name: MONEYFORWARD
Country: Japan
Amount: 11 million dollars
Investors: Fenox Venture Capital, Isetan Mitsukoshi Holdings, Mizuho Capital, Toho Bank
Funding date: October 05, 2016
Description: Money Forward provides online personal accounting for individuals, allowing them to easily manage their daily expenses by integrating with their bank passbooks and credit purchase history with information scraped from their web bank and credit accounts.

EUROPE

Name: MONEYFARM
Country: London
Amount: 7 million dollars
Investors: Allianz ventures
Funding date: September 26, 2016
Description: MoneyFarm provides first class investment independent advisory to small savers through a scalable, UX driven and hassle free platform.

CANADA

Name: FINANCEIT
Country: Canada
Amount: 17 million dollars
Investors: DNS Capital, The Pritzker Organization
Funding date: October 06, 2016
Description: Financeit offers a platform that allows businesses to offer consumer financing to their customers from various devices in Canada.

NORTH AMERICA

Name: PAYONEER
Country: United States
Amount: 180 million dollars
Investors: Technology Crossover Ventures (TCV), Susquehanna Growth Equity
Funding date: October 05, 2016
Description: Payoneer offers business owner, professional or freelancer multiple ways to get paid by their international clients and global marketplaces.

LATIN AMERICA

Name: BITSO
Country: Mexico
Amount: 2.5 million dollars
Investors: Xochi Ventures, VARIV Capital, Moneygroup, Digital currency group
Funding date: September 28, 2016
Description: Bitso is a currency exchange offering a bridge for participants to connect between novel financial platforms, like Bitcoin and Ether, and the Mexican Peso.

Top 20 Fintech Influencers on Social Media in France

By

Team Europe

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4 October 2016

0

Margaux Klein identified the most popular Fintech influencers on the social media in France. The ranking has been made with the klout score that calculates the influence of a person regarding Fintech topics in France.

France is home to amazing entrepreneurs and experts that are shaping the future of finance. Of course, this is not an exhaustive list. Keep in mind that there are many more people that are contributing directly or indirectly to make France a leading nation in Fintech.

Please find below an overview of the 20 most active people in Fintech in France on the social media:

Last update: 4 October 2016

Rank	Name	Role	Twitter Followers	Klout Score
1	Florian Graillot	VC Investor AXA Ventures	20000	64
2	Cédric Teissier	Founder Finexkap	6327	58
3	Patrice Bernard	Founder Conix and the Fintech blog C'estpasmonidée	5948	58
4	Huy Nguyen Trieu	CEO of The Disruptive Group	5945	57
5	Jean-Michel Pailhon	FinTech Strategic Advisor	6012	55
6	Philippe Gelis	Founder Kantox	4564	55
7	Céline Lazorthes	Founder Leetchi Group	10100	54
8	Olivier Goy	Founder Lendix	5044	54
9	Joëlle Durieux	DG Pôle Finance Innovation	2675	53
10	Eric Charpentier	Founder Morning	2522	53
11	Patrick de Nonnevill	COO Lendix	2660	52
12	Philippe Dardier	CEO Alternativa	2501	51
13	Pauline Pham	Innovation Strategist Deloitte France	989	51
14	Christophe Puyo	Founder Prexem	8798	50
15	Nicolas Pierret	Business Developper Marie Quantier	5958	50
16	Laëtitia Geneyton	Communication Strategist Morning	2149	50
17	Jonathan Herscovici	Founder WeSave	2019	49
18	Nicolas Lesur	Founder Unilend	1674	48
19	Laurent Nizri	Founder Paris FinTech Forum	1996	47
20	Victor Mertz	Head of Marketing Lemon Way	1604	47

If you think we forgot a person in this list, please feel free to leave a comment below!

INVYO Insights Europe