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Exam Code: TB0-118 Practice exam 2022 by team
Architecting Composite Applications and Services with TIBCO
Tibco Architecting outline
Killexams : Tibco Architecting outline - BingNews Search results Killexams : Tibco Architecting outline - BingNews Killexams : TIBCO Announces New ModelOps Platform

PALO ALTO, Calif., July 12, 2022 — TIBCO Software Inc., a global leader in enterprise data, empowers its customers to connect, unify, and confidently predict business outcomes, solving the world’s most complex data-driven challenges. Today, TIBCO announced the release of TIBCO ModelOps, which enables businesses to deploy AI models faster, from anywhere to everywhere, safely and at scale. This addition to the company’s game-changing analytics portfolio helps customers simplify and scale cloud-based analytic model management, deployment, monitoring, and governance.

“While 92% of firms spent more overall on data science in 2021 compared to previous years, only 12.1% deployed it at scale1. To help organizations realize the value of their AI deployments, we’ve designed a system that puts self-service access to data science firmly in the hands of teams, including business users,” said Mark Palmer, senior vice president, engineering, TIBCO. “This allows decision-making teams to choose the algorithm they want, work from any cloud service, and run it safely, securely, and at scale. This is a bold step to enabling business users to take AI out of the lab and out on the road.”

TIBCO ModelOps addresses the requirement for speed in deploying AI, and draws from TIBCO’s leadership in data science, data visualization, and business intelligence. This aids AI teams in confronting critical deployment hurdles like ease-of-applying analytics to applications, identification and mitigation of bias, and transparency and manageability of an algorithm’s behavior within business-critical applications. The solution enables businesses to deploy and manage model pipelines into production environments efficiently, and in robust ways. The TIBCO ModelOps solution is format-agnostic, supporting all common model formats, including API-based models in any cloud service or on-premises. TIBCO ModelOps makes it easy to add governed models to TIBCO Spotfire, TIBCO Data Virtualization, and TIBCO Streaming, with more to follow. Users looking to employ TIBCO ModelOps in existing environments can take advantage of its format-agnostic and open-standards approach.

The launch of TIBCO ModelOps is the culmination of TIBCO’s extensive work with customers and partners throughout the design and beta program of TIBCO ModelOps. “As the world’s second-largest memory chipmaker, we have aggressive growth goals as we expand our fabrication capacity. Optimizing the yield of our processes, predicting when problems are about to occur, and fixing them before they occur, is a huge competitive advantage for us,” said InSoo Ryu, technical leader, SK Hynix. “The ability to quickly deploy, measure, and adjust models of any kind – machine learning models, python code, rules and more – is essential to our success. TIBCO ModelOps is the right platform to scale our data science efforts with a more governed, process-oriented approach to data science operationalization.”

A recent survey of TIBCO customers confirmed that it’s no longer uncommon for organizations to manage hundreds – even thousands – of analytic models and workflows. TIBCO ModelOps allows any authorized business user, data scientist, analyst, or IT user to manage and deploy thousands of models in production with complete governance and management capabilities. Users are able to deploy in the cloud or on-premises, highlighting model performance through built-in, customizable dashboards powered by Spotfire. With TIBCO ModelOps, clients can now move past the worry of unintended negative consequences of failed automation because of complex or poorly managed AI or rules-based models, making it safer to automate based on validated and secure AI models.

Learn more about TIBCO ModelOps and its advanced analytics capabilities.


1New Vantage Partners, 2021 Big Data and AI Executive Survey, Tom Davenport and Randy Bean


TIBCO Software Inc. unlocks the potential of real-time data for making faster, smarter decisions. Our Connected Intelligence Platform seamlessly connects any application or data source; intelligently unifies data for greater access, trust, and control; and confidently predicts outcomes in real time and at scale. Learn how solutions to our customers’ most critical business challenges are made possible by TIBCO at

Source: TIBCO

Tue, 12 Jul 2022 05:12:00 -0500 text/html
Killexams : SOA versus Microservices?

Over the last year or so we've seen a lot of articles and presentations on microservices including some on anti-patterns, various principles and how microservices relates to SOA. Recently Matt Brasier, Head of Consulting at C2B2 joined the latter category of discussion.

There is much discussion recently regarding the concept of microservices, and much discussion of how this fits in with SOA – whether it is the final nail in the coffin of SOA, or the latest cure-all panacea that will save software engineering.

Matt's article gives a basic outline of the reasons behind the drive towards microservices as well as SOA principles. The overall aim of the article is to show that these two are very similar in principle but products that are either targetting SOA or microservices do have differences which make them suitable for different use cases. In his microservices overview Matt has this to say:

Separating out components allows them to have separate lifecycles, and to scale as required, it also breaks many of the technology dependencies between components, allowing each service to be implemented in the most appropriate technology. Breaking down the larger problem into several smaller ones makes each individual problem easier to analyse, making it easier for developers to come up with the most suitable solution.

However, there are various disadvantages with microservices and whilst these may well be understood by many people working in the area, they are much less publicised and discussed:

Breaking down the problem like this increases the complexity of the overall solution, especially if different technologies or approaches are used to build different services. By pushing the integration points to be at interfaces between services, it is important that these interfaces are well defined, and have agreed service levels and other non-functional requirements defined.

Now it is true that because of the relative recency of microservices, tools that would normally assist architects and developers are in the infancy so some of these problems will probably be addressed sooner or later. However, there is one key problem with microservices for Matt, and that's data management and ownership:

When something that would previously have been a monolithic application is broken down into a number of smaller services, it often becomes the case that data that would be stored in one place in the monolithic application is stored in multiple places for the microservice applications. This presents challenges in maintaining data consistency.

Matt notes that microservices-related products tend to focus on the lifecycle of service components, encouraging developers to continue to use a range of implementation approaches for the genuine service, such as docker, and protocols used to interact with them, which typically are RESTful in nature.

While RESTful services are generally best focussed on providing CRUD operations for a data model, it is often the case that the services in a microservice architecture can easily be broken down into these CRUD type services where RESTful is a good fit. For other services, it is often still appropriate to look at RESTful-like services, where HTTP is the transport protocol, but the service doesn’t necessarily stick 100% to the RESTful principles.

In terms of SOA, he immediately dives into the associations with microservices:

It is common to talk about the disadvantages of SOA these days, but when you really look into it, most of the disadvantages of SOA are the same as those of microservices, but with more concrete examples behind them. The same can be said for the advantages, because fundamentally what we are doing is the same thing – taking a big problem and breaking it down into smaller problems.

And he goes on to point out that the companies which are often held up as leaders in adopting or pushing microservices are happy to also describe their architectures as service-oriented. However, in order to accomplish what they did they've tended to ignore traditional SOA products, which in Matt's view are focussed on approaches based around the Enterprise Service Bus. However, in his opinion these SOA products get a bad reputation because people on some projects have used them to build an application rather than an enterprise-wide architecture and not because they are inherently poor at delivering on assisting the development of service-oriented architectures.

As such the features are focussed primarily on this enterprise use-case, with ways of tracking business-unit level SLAs. Most SOA products will mandate that services communicate using one, or a small number of protocols and message formats, such as HTTP, FTP, SOAP, JMS etc, and provide a library of connectors that enable this.

In fact Kai Wähner believes that the ESB is not dead and still has a role to play with microservices.

You use an ESB for what it is built for: Integration, orchestration, routing, (some kinds of) event processing / correlation / business activity monitoring. You can also build applications via (micro)services, which implement your requirements and solve your business problems. Deploy these services independently from each other with a standardised interface to a scalable runtime platform – automatically. The services are decoupled and scale linearly across commodity hardware.

It appears that many people, not just Matt, believe that SOA and microservices use the same set of principles but applied at different layers in an organisation. SOA is about orchestrating "large services", but those services could be implemented from a composition of microservices. Although of course as we reported earlier, perhaps size isn't a good way of defining a microservice:

Using only size for defining

microservices is a poor measure and useless for determining whether a service has the right responsibilities, Jeppe Cramon states in a series of blog posts clarifying his view on microservices and the coupling problems he finds in synchronous two-way communication.

In fact Matt believes that microservices owe their existence to the success of SOA principles (others have found it easier to understand service-orientation through adopting microservices), concluding with:

If you are developing an application, then a microservice framework is going to be more agile and supply you greater control as a developer. If what you are trying to do is orchestrate a number of business processes across your whole enterprise, then a SOA product probably provides a better set of tools.

Now back in 2014 we reported on a discussion between Cap Gemini's Steve Jones and others around how microservices aren't really new at all. As Steve said at the time:

This for me is why Microservices is just a Service Oriented Delivery approach for a well architected SOA solution.  SOA provides the contextual framework, provides most of the rules that Microservices aims to adhere to but more over gives a broader context within which Microservices fit within a complex enterprise.  Calling out WS-* for the one millionth time or 'big' ESB and talking about massively complex projects is simply a shot at a different challenge.

So Matt isn't alone in thinking that SOA and microservices are tied closely together, but these discussions are often driven by people who have a deep SOA background. Perhaps those microservices proponents who haven't been so immersed in SOA over the years, or have found SOA, or maybe specifically the tools aimed at aiding in developing with a SOA methodology, lacking have a different perspective? For instance, earlier this year Bob Rhubart quoted Eberhard Wolff, a freelance consultant and trainer and head of the technology advisory board for adesso AG, when he had this to say about SOA and microservices:

SOA is a strategic initiative to change the IT of the whole enterprise, separating it into different services, thereby allowing the enterprise to be more flexible. [...] Microservices must be independently deployable, whereas SOA services are often implemented in deployment monoliths. So while the technologies are to some extent similar, SOA and microservices are really different beasts.

However, in the same article Oracle ACE Director Torsten Winterberg said that in his view "Microservices are the kind of SOA we have been talking about for the last decade". This debate about any relationship between SOA and microservices is likely to rage for a long time, perhaps similar to how REST versus SOA debates went on. In fact Kevin Pool, CTO for TIBCO in Asia, called it The Great Debate:

What’s different about Microservices? In Microservices, each operation (or method) is developed separately. The single customer SOA service described [earlier in his article] would be implemented separately as dozens of separate Microservices. No formal interface is defined, or perhaps a very flat and simple interface is defined. No central data model is defined with complex schema hierarchies and structures. Well, perhaps a common data dictionary may be defined, but that is not programmatically enforced on each Microservice; each Microservice is free to independently incorporate changes only when needed. Each Microservice can be independently deployed, stopped, or restarted. In many situations there is a common platform that executes the individual Microservices.

Now Kevin took a very implementation specific view when comparing and contrasting SOA with microservices, one which centred on ESBs, SOAP and WSDL. But perhaps Coert van den Thillart summarised it best in his article from earlier this year:

How much the Microservices architectural style differs from SOA depends on who you talk to. If nothing else, MSA offers a clearer and better defined approach on setting up an architecture built around services. The key differentiator being the focus on autonomously adding value.

As well as comparing and contrasting various aspects and approaches to SOA and microservices, George Lawton believes that microservices brings agility to SOA as well as "rectifying the SOA legacy":

Microservice principles align closely with trends in

Agile software development and perhaps the evolution of SOA principles, minus the heavy weight of traditional enterprise service busses.

And certainly at least one of the commenters on his article seems to agree:

I agree [with another comment] that the idea of microservices is not necessarily a new idea. I see it more as a refinement of an idea that makes better use of current technologies, such as containers and automation, to better solve a problem.

So what do you think? Are microservices and SOA related? Is this really a discussion about technological (implementation) approaches to support them both rather than architectural differences? Perhaps as Matt suggests, the real difference is with data management and ownership? Is this a debate that needs to be had at all? Or is it possible that, as George Santayana said "Those who cannot remember the past are condemned to repeat it"?

Wed, 15 Jun 2022 12:00:00 -0500 en text/html
Killexams : TIBCO goes DIY with new AI-model deployment platform

We are excited to bring Transform 2022 back in-person July 19 and virtually July 20 - 28. Join AI and data leaders for insightful talks and exciting networking opportunities. Register today!

Enterprise data management provider TIBCO has joined a trending group of software developers that are making the usage of AL and ML easier to understand and deploy for non-data science-trained, line-of-business employees at companies utilizing this on a regular basis. 

The Palo Alto, California-based company today announced the release of TIBCO ModelOps, which enables businesses to deploy AI models faster and at scale to keep up with the pace of their sales activity. This addition to TIBCO’s analytics portfolio helps users to build their models and scale cloud-based analytic model management, deployment, monitoring and governance.

ModelOps is format-agnostic, supporting all common model formats, including API-based models in any cloud service or on-premises, Mark Palmer, TIBCO SVP of engineering, told VentureBeat. 

“The way we approach this is that we use low-code/no-code tooling, cloud-based architecture; we accept any AI model, which is pretty important because some of the platforms prefer their own authoring environments,” Palmer said.


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Building AI models that are effective can be time-consuming and tedious. ModelOps addresses the need for speed in deploying AI and draws from 25-year-old TIBCO’s experience in data science, data visualization and business intelligence. This aids AI teams in confronting common deployment hurdles, such as applying analytics to applications, identification and mitigation of bias, and transparency and manageability of an algorithm’s behavior within business-critical applications. 

The open-standards platform enables businesses to deploy and manage model pipelines directly into production environments, Palmer said. 

“While 92% of firms spent more overall on data science in 2021 compared to previous years, only 12.1% deployed it at scale,” Palmer said. “We’ve designed a system that puts self-service access to data science firmly in the hands of teams, including business users. This allows decision-making teams to choose the algorithm they want, work from any cloud service, and run it safely, securely, and at scale. This is a bold step to enabling business users to take AI out of the lab and out on the road.”

ModelOps fits right in for the company’s users to add governed models to other TIBCO tools, including Spotfire, Data Virtualization and Streaming, Palmer said. 

“The ability to quickly deploy, measure, and adjust models of any kind – machine learning models, python code, rules and more – is essential to our success,” InSoo Ryu, technical leader, SK Hynix said in a media advisory. “This is the right platform to scale our data science efforts with a more governed, process-oriented approach to data science operationalization.”

A recent survey of its customers confirmed to TIBCO that it’s no longer uncommon for organizations to manage hundreds – even thousands – of analytic models and workflows, Palmer said. ModelOps allows any authorized business user, data scientist, analyst or IT user to manage and deploy thousands of models in production with complete governance and management capabilities. Users are able to deploy in the cloud or on-premises, he said.

TIBCO competes in a market that includes Microsoft, IBM, Informatica, Oracle, Denodo, SAP, Amazon Web Services (AWS), Talend, and several more, according to Gartner Research.

VentureBeat's mission is to be a digital town square for technical decision-makers to gain knowledge about transformative enterprise technology and transact. Learn more about membership.

Tue, 12 Jul 2022 07:00:00 -0500 Chris J. Preimesberger en-US text/html
Killexams : Serverless Architecture Market Size Growing at 15.5% CAGR to Cross USD 6541.5 million by 2025

The MarketWatch News Department was not involved in the creation of this content.

Jun 07, 2022 (Market Insight Reports) -- Growth forecast report " Serverless Architecture Market size by Product Type (Private Cloud and Public Cloud), By Application (Small and Medium-sized Enterprises (SMEs) and Large Enterprises), By Region Outlook (North America, Europe, Asia-Pacific, South America & Middle East and Africa), Top Manufacturer, Growth Potential, Price Trends, Competitive Market Share & Forecast 2020-2025 added by Market Study Report.

The global Serverless Architecture market size is expected to gain market growth in the forecast period of 2020 to 2025, with a CAGR of 15.5% in the forecast period of 2020 to 2025 and will expected to reach USD 6541.5 million by 2025, from USD 3673.4 million in 2019.

Request a sample Report of Serverless Architecture Market at:

The Serverless Architecture market stands tall as one of the most proactive industry verticals, as claimed by a new research report. This research study forecasts this space to accrue substantial proceeds by the end of the projected period, aided by a plethora of driving forces that will fuel the industry trends over the forecast duration. A gist of these driving factors, in tandem with myriad other dynamics pertaining to the Serverless Architecture market, such as the risks that are prevalent across this industry as well as the growth opportunities existing in Serverless Architecture market, have also been outlined in the report.

A brief outline of the Serverless Architecture market scope:

  • Global industry remuneration
  • Individualized and overall growth rate
  • Market trends
  • Competitive reach
  • Product spectrum
  • Application terrain
  • Distributor analysis
  • Sales channel evaluation
  • Marketing channel trends - Now and later
  • Market Competition Trend
  • Market Concentration Rate

One of the most vital pointers that makes the Serverless Architecture market report worth a purchase is the extensive overview of the competitive spectrum of the vertical. The study efficiently segregates the Serverless Architecture market into The major players covered in Serverless Architecture are:, Amazon Web Services (AWS), Alibaba, Microsoft, Google, Rackspace, IBM, Syncano, Broadcom, Oracle, Tibco Software and NTT Data, as per the competitive hierarchy. In essence, these companies have been vying with one another to accrue a near-dominant position in the industry.

The report supplies substantial data regarding the market share that every one of these companies currently garner across this business, in tandem with the market share that they are expected to procure by the end of the forecast period. Also, the report elaborates on details pertaining to the products manufactured by each of these firms, that would help new entrants and prominent stakeholders work on their competition and strategy portfolios. Not to mention, their decision-making process is liable to get easier on account of the fact that the Serverless Architecture market report also enumerates a gist of the product price trends and the profit margins of each firm in the industry.

Questions that the Serverless Architecture market report answers with respect to the regional terrain of the business space:

  • The regional spectrum, as per the report, is segregated into North America, Europe, Asia-Pacific, South America & Middle East and Africa. Which among these zones is most likely to accrue the maximum market share by the end of the forecast duration?
  • How much is the sales estimates of each firm in question? Also, how strong do the revenue statistics stand pertaining to the current market scenario?
  • What exactly is the remuneration that each geography holds at present?
  • How much revenue will every region including North America, Europe, Asia-Pacific, South America & Middle East and Africa account for, by the end of the projected timeframe?
  • How much is the growth rate which each geography is estimated to depict over the estimated timeline?

Important takeaways from the study:

  • The Serverless Architecture market report plays host to a plethora of deliverables that may prove highly beneficial. Say for example, the report underlines the information pertaining to market competition trends - highly essential data subject to competitor intelligence and the ongoing market trends that would enable shareholders to stay competitive and make the most of the growth opportunities prevailing in the Serverless Architecture market.
  • Another vital takeaway from the report can be credited to the market concentration rate that would aid investors to speculate on the current sales dominance and the plausible trends of the future.
  • Further deliverables provided in the report include details regarding the sales channels deployed by prominent vendors in order to retail their stance in the industry. Some of these include direct and indirect marketing.

What questions does the report answer with respect to the segmentation of the Serverless Architecture market?

  • Which among Private Cloud and Public Cloud - the various product types, is likely to procure the largest share in the Serverless Architecture market?
  • What is the market share held by each product type?
  • How much is the sales estimates as well as projected valuation of every product segment in the industry by the end of the projected timeframe?
  • Which of the various application spanning Small and Medium-sized Enterprises (SMEs) and Large Enterprises may emerge to be a highly profitable vertical in the Serverless Architecture market?
  • How much share does each application account for in the Serverless Architecture market?
  • How much is the remuneration which every application is likely to register by the end of the projected duration?

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Mon, 06 Jun 2022 18:49:00 -0500 en-US text/html
Killexams : Serverless Architectures Market Size, Share | Outlook Revenue Trends And Forecasts Research Report 2022-2028

Serverless Architectures Market is valued at USD 8782.44 Million in 2020 and expected to reach USD 34130.76 Million by 2027 with the CAGR of 21.40% over the forecast period.

Serverless Architectures Market: Global Size, Trends, Competitive, Historical & Forecast Analysis, 2021-2027- Constantly growing IoT environment and the increasing adoption of cloud-based IT solutions are key factors driving the growth of Global Serverless Architectures Market.


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In this report, our team offers a thorough investigation of Serverless Architectures Market, SWOT examination of the most prominent players right now. Alongside an industrial chain, market measurements regarding revenue, sales, value, capacity, regional market examination, section insightful information, and market forecast are offered in the full investigation, and so forth.

Top Key Players in Serverless Architectures Market:

Serverless architectures market report covers prominent players are Oracle Corporation, Platform9 Systems, Inc., Rackspace Inc., Amazon Web Services, Google LLC, IBM Corporation, Microsoft Corporation, Tibco Software, Twilio and others.

Geographically, this report split global into several key Regions, revenue (Million USD) The geography (North America, Europe, Asia-Pacific, Latin America and Middle East & Africa) focusing on key countries in each region. It also covers market drivers, restraints, opportunities, challenges, and key issues in Global Post-Consumer Serverless Architectures Market.

Global Serverless Architectures Market Research Report also provides the latest companies data and industry future trends, allowing you to identify the products and end users driving profits growth and productivity. The Market report lists the most important competitors and provides the insights strategic industry Analysis of the key factors influencing the market. The report includes the forecasts, investigation and discussion of significant industry trends, market volume, market share estimates and profiles of the leading industry Players. Global Serverless Architectures Industry Market Research Report is providing exclusive vital statistics, information, data, trends and competitive landscape details.

According to this report Global Serverless Architectures Market will rise from Covid-19 crisis at moderate growth rate during 2020 to 2027. Serverless Architectures Market includes comprehensive information derived from depth study on Serverless Architectures Industry historical and forecast market data. Global Serverless Architectures Market Size to Expand moderately as the new developments in Serverless Architectures and Impact of COVID19 over the forecast period 2020 to 2027.

Key Highlights of the Serverless Architectures Market Report : 

  1. Serverless Architectures Market Study Coverage: It incorporates key market sections, key makers secured, the extent of items offered in the years considered, worldwide Serverless Architectures market and study goals. Moreover, it contacts the division study gave in the report based on the sort of item and applications.
  2. Serverless Architectures Market Executive outline:This area stresses the key investigations, market development rate, serious scene, market drivers, patterns, and issues notwithstanding the naturally visible pointers.
  3. Serverless Architectures Market Production by Region:The report conveys information identified with import and fare, income, creation, and key players of every single local market contemplated are canvassed right now.
  4. Serverless Architectures Market Profile of Manufacturers:Analysis of each market player profiled is detailed in this section. This portion likewise provides SWOT investigation, items, generation, worth, limit, and other indispensable elements of the individual player.

TIBCO Launched New Application Architecture Modernization Program

June 19th, 2020; TIBCO Software announced the launch of TIBCO Responsive Application Mesh, a blueprint and capabilities for modern application architecture. This new application helps customers towards architecture modernization through an incremental and iterative approach. This framework is integrated into the TIBCO Connected Intelligence platform and supports cloud-native development. It provides organizational agility and process efficiency as well as modernizes the application architecture via an iterative, incremental, and measurable approach.

Serverless Architectures Market Report Covers the Following Segments:

By Deployment Model:

  • Private Cloud
  • Public Cloud

By Organization Size:

By Application:

  • Real-time file/stream processing
  • Web Application Development
  • IoT Backend
  • Others

By Industry Vertical:

  • BFSI
  • IT & telecom
  • Healthcare
  • Manufacturing
  • Media & entertainment
  • Public sector
  • Retail & ecommerce
  • Others

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Table of Content:

Market Overview: The report begins with this section where product overview and highlights of product and application segments of the global Serverless Architectures Market are provided. Highlights of the segmentation study include price, revenue, sales, sales growth rate, and market share by product.

Competition by Company: Here, the competition in the Worldwide Serverless Architectures Market is analyzed, By price, revenue, sales, and market share by company, market rate, competitive situations Landscape, and latest trends, merger, expansion, acquisition, and market shares of top companies.

Company Profiles and Sales Data: As the name suggests, this section gives the sales data of key players of the global Serverless Architectures Market as well as some useful information on their business. It talks about the gross margin, price, revenue, products, and their specifications, type, applications, competitors, manufacturing base, and the main business of key players operating in the global Serverless Architectures Market.

Market Status and Outlook by Region: In this section, the report discusses about gross margin, sales, revenue, production, market share, CAGR, and market size by region. Here, the global Serverless Architectures Market is deeply analyzed on the basis of regions and countries such as North America, Europe, China, India, Japan, and the MEA.

Application or End User: This section of the research study shows how different end-user/application segments contribute to the global Serverless Architectures Market.

Market Forecast: Here, the report offers a complete forecast of the global Serverless Architectures Market by product, application, and region. It also offers global sales and revenue forecast for all years of the forecast period.

Research Findings and Conclusion: This is one of the last sections of the report where the findings of the analysts and the conclusion of the research study are provided.

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Tue, 12 Jul 2022 01:15:00 -0500 Newsmantraa en-US text/html
Killexams : Three Ways Portable Data Skills Provide Job Security In 2022


The global COVID-19 pandemic ushered in many structural changes within our society, chief among them being the Great Resignation. A survey conducted by the Pew Research Center found that the main reasons why employees have quit during the pandemic include low pay, a lack of opportunities for advancement and feeling disrespected. The worker shortage has been felt everywhere from the gas station to the airport, and also exposed painful truths about worker inequality.

But the Great Resignation didn’t start with the pandemic. Rather, it’s the continuation of a trend in rising quit rates that began more than a decade ago. There are five factors at play that have contributed toward rising quit rates in the US: retirement, relocation, reconsideration, reshuffling, and reluctance.

“Reshuffling” is the notion that not all workers who quit are leaving the labor market; some are moving among different jobs in the same sector, or even between sectors. And many are quitting for new and better jobs in a phenomenon known as the Great Upgrade.

As people move toward more skilled jobs, they need to ensure they can keep up with expectations. A study by Tableau and Forrester found that 82% of decision-makers expect their employees to have basic data literacy. And organizations that commit to data literacy efforts see wide-ranging benefits like enhanced innovation, greater customer experiences, better decision-making, reduced costs, improved retention, and increased revenues. But how can employers and employees alike ensure that they have the chops to do the job, and do it well?

(Rafal Olechowski/Shutterstock)

Investing in Data Skills: It’s Worth It

One step that can help set a company up for success with respect to data literacy programming is to recognize that data proficiency levels depend on an employee’s role (e.g., a sales representative does not need to know as much as a data scientist). While in-house training can be an effective way to cut costs, such programs may not be comprehensive enough. Outsourcing this training to consulting partners, technology vendors, data literacy specialists, and others can supply a wide variety of programming for a variety of different roles and business needs.

Strengthening hard skills is an important way to close the data literacy gap, and the effects benefit more than just companies: becoming more data literate can create upward mobility and career advancements and add 11% to an employee’s salary.

Last year we conducted a survey with ESG about how advanced data skills affect Splunk practitioners’ career prospects. The survey revealed that companies continue to value employees that can use data to answer business questions. Below we’ll outline how data skills positively impact employee compensation, job security, and preparation for a cloud-first future.

The Impact of Data Skills

1. Compensation

Salary has overtaken work/life balance as the top determining factor of job satisfaction. This is unsurprising, as financial security allows employees to save, enjoy leisure activities, plan for the future, and comfortably meet financial obligations like mortgages and rent. Employees that learn how to use analytics tools, ask questions about their data, and get actionable answers from their data will be more valuable to their employers and command higher salaries.


2. Portability of Skills = Increased Job security

The most frequently reported benefits related to job security in the survey are the respondents’ effectiveness and portable skills. Given that COVID-19 is here to stay, the importance of having in-demand, portable skills in an uncertain world and volatile job market can’t be understated. But the importance of the portability of skills was on the rise before COVID-19. Gone are the days when employees used to pledge loyalty to a company for decades. The International Labor Organization (ILO) estimated that workers between the ages of 18 and 38 changed jobs ten times in 2010. With more widely relevant and recognized skills, workers can Strengthen their employability and adaptability, but the benefits don’t stop there: portable skills contribute to human development by empowering people to make full use of their skills and talents. This is particularly impactful for women, who tend to be employed below their skill level.

3. Preparing for a Cloud-First Future

COVID-19 has rapidly accelerated digital transformation across the enterprise, and one key driver of digital transformation is the increasing use of cloud services. Data practitioners helped accelerate cloud service adoption as companies found new ways to support the increasing number of remote workers, the continued, exponential growth of data, and finding new channels and ways of engaging with customers during a global pandemic – all skills that go across data vendors and have a longer shelf life than deep data skills related to a single platform. This is especially important as 90% of large organizations are opting for a multi-cloud approach.

The proliferation of data has allowed businesses to become more strategic and Strengthen revenue and operational efficiencies. Learning technical skills (like SPL) can Strengthen a company’s bottom line while simultaneously creating economic gain and advancement for employees. As workers build more portable skills, they not only help themselves and their employers, they also Strengthen labor market efficiency by lowering transaction costs in job search and recruitment, as the ILO study showed. However, it’s important to note that training employees with hard skills is not a panacea; there are many soft skills that are important to help people realize the full value of working with data, like collaboration, curiosity, critical thinking, and storytelling.

About the author: Brittany Coppola is a Product Marketing Manager on the Platform team at Splunk, where she focuses on pricing and the admin experience. She’s passionate about harnessing the power of data to help organizations solve their most pressing problems. Prior to joining Splunk she worked in edtech and fintech.

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Tue, 12 Jul 2022 05:00:00 -0500 text/html
Killexams : Global Severless Apps Market Share, Size, Top Key Players, Business Demand, Cost Structure, and Growth Forecast to 2028

The Severless Apps Market report further offers a dashboard outline of driving organizations enveloping their fruitful promoting techniques, market commitment, late improvements in both memorable and present settings. The examination report concentrates on the Severless Apps market utilizing various techniques and investigations to supply exact and top to bottom data about the market.

In theSeverless AppsMarket study, the industry landscape is covered from driving factors to upstream markets and the overall state of the market. An in-depth analysis of the overall growth prospects for the global and regional market was provided in this study, which was based on an in-depth analysis of key industry players, primary and secondary data.

According to this latest study, the 2021 growth of Severless Apps will have significant change from previous year. By the most conservative estimates of global Severless Apps market size (most likely outcome) will be a year-over-year revenue growth rate of % in 2021, from USD million in 2020. Over the next five years the Severless Apps market will register a % CAGR in terms of revenue, the global market size will reach USD million by 2026.

This report presents a comprehensive overview, market shares, and growth opportunities of Severless Apps market by product type, application, key players and key regions and countries.

Moreover, it helps new businesses perform a positive assessment of their business plans because it covers a range of Topics market participants must be aware of to remain competitive.

Report identifies various key players in the market and sheds light on their strategies and collaborations to combat competition. The comprehensive report provides a two-dimensional picture of the market. By knowing the global revenue of manufacturers, the global price of manufacturers, and the production by manufacturers during the forecast period of 2021 to 2028, the reader can identify the footprints of manufacturers in the industry.

Get a sample PDF of report –

As well as providing an overview of successful marketing strategies, market contributions, and recent developments of leading companies, the report also offers a dashboard overview of leading companies’ past and present performance. Several methodologies and analyses are used in the research report to provide in-depth and accurate information about the Severless Apps market.

For a clearer understanding, it is divided into several parts to cover different aspects of the market. The aim of this report is to supply people a better understanding of the market and to make them more apprehensive.

The Major Players in the Severless Apps Market include:

  • Amazon Web Services
  • CA Technologies
  • Alibaba Cloud
  • Dynatrace
  • Galactic Fog IP Inc.
  • Fiorano Software Inc.
  • Google LLC
  • Joyent Inc.
  • IBM Corporation
  • Microsoft Corporation
  • Manjrasoft Pty Ltd.
  • ModuBiz Ltd.
  • Oracle Corporation
  • Realm
  • Platform9 Systems
  • Rackspace Inc. Snyk Ltd.
  • StdLib
  • TIBCO Software Inc.
  • SixSq
  • Tarams Technologies
  • NTT Data
  • Twistlock

Enquire before purchasing this report

The current market dossier provides market growth potential, opportunities, drivers, industry-specific challenges and risks market share along with the growth rate of the global Severless Apps market. The report also covers monetary and exchange fluctuations, import-export trade, and global market

status in a smooth-tongued pattern. The SWOT analysis, compiled by industry experts, Industry Concentration Ratio and the latest developments for the global Severless Apps market share are covered in a statistical way in the form of tables and figures including graphs and charts for easy understanding.

A thorough evaluation of the restrains included in the report portrays the contrast to drivers and gives room for strategic planning. Factors that overshadow the market growth are pivotal as they can be understood to devise different bends for getting hold of the lucrative opportunities that are present in the ever-growing market. Additionally, insights into market expert’s opinions have been taken to understand the market better.

By type:

  • Automation and Integration
  • API Management
  • Monitoring
  • Security
  • Support and Maintenance
  • Training and Consulting
  • Others

By Application:

  • Government and Public
  • Healthcare and Life Sciences
  • Manufacturing
  • Media and Entertainment
  • Retail and Ecommerce
  • Telecom and IT
  • Others

Get a sample Copy of the Severless Apps Market Report 2022

The Severless Apps Market competitive landscape provides details and data information by players. The report offers comprehensive analysis and accurate statistics on revenue by the player for the period 2016-2020. It also offers detailed analysis supported by reliable statistics on revenue (global and regional level) by players for the period 2016-2020. Details included are company description, major business, company total revenue and the sales, revenue generated in Severless Apps business, the date to enter into the Severless Apps market, Severless Apps product introduction, recent developments, etc.

By Region:

  • Asia-Pacific
  • Europe
  • North America
  • Middle East and Africa (MEA)
  • Latin America

Research Objective:

  • To analyze and forecast the market size of the global Severless Apps market.
  • To classify and forecast the global Severless Apps market based on application.
  • To identify drivers and challenges for the global Severless Apps market.
  • To examine competitive developments such as mergers and acquisitions, agreements, collaborations and partnerships, etc., in the global Severless Apps market.
  • To conduct pricing analysis for the global Severless Apps market.
  • To identify and analyze the profile of leading players operating in the global Severless Apps market.

Some of the key questions answered in this report:

  • How the competition goes in the future related to Severless Apps?
  • Which is the most leading country in the world?
  • Which country is No 1 in world 2022?
  • What is meant by Severless Apps market industry?
  • What was the purpose of the Severless Apps market?
  • What are the Severless Apps market opportunities and threats faced by the vendors in the global Severless Apps Industry?
  • Which application/end-user or product type may seek incremental growth prospects? What is the market share of each type and application?
  • What focused approach and constraints are holding the Severless Apps market?
  • What are the different sales, marketing, and distribution channels in the global industry?
  • What are the upstream raw materials and manufacturing equipment of Severless Apps along with the manufacturing process of Acetonitrile?
  • What are the key market trends impacting the growth of the Severless Apps market?
  • Economic impact on the Severless Apps industry and development trend of the Severless Apps industry.
  • What are the market opportunities, market risk, and market overview of the Severless Apps market?
  • What are the key drivers, restraints, opportunities, and challenges of the Severless Apps market, and how they are expected to impact the market?
  • What is the Severless Apps market size at the regional and country-level?
  • How do you find your target audience?

Purchase this report (Price 3660 USD for a single-user license)

With tables and figures helping analyse worldwide Global Severless Apps market trends, this research provides key statistics on the state of the industry and is a valuable source of guidance and direction for companies and individuals interested in the market.

Table of Contents:

1 Scope of the Report
1.1 Market Introduction
1.2 Years Considered
1.3 Research Objectives
1.4 Market Research Methodology
1.5 Research Process and Data Source
1.6 Economic Indicators
1.7 Currency Considered

2 Executive Summary
2.1 World Market Overview
2.1.1 Global Severless Apps Annual Sales 2017-2028
2.1.2 World Current and Future Analysis for Severless Apps by Geographic Region, 2017, 2022 and 2028
2.1.3 World Current and Future Analysis for Severless Apps by Country/Region, 2017, 2022 and 2028
2.2 Severless Apps Segment by Type
2.2.1 High Ce Type
2.2.2 Middle Ce Type
2.2.3 Low Ce Type
2.3 Severless Apps Sales by Type
2.3.1 Global Severless Apps Sales Market Share by Type (2017-2022)
2.3.2 Global Severless Apps Revenue and Market Share by Type (2017-2022)
2.3.3 Global Severless Apps Sale Price by Type (2017-2022)
2.4 Severless Apps Segment by Application
2.4.1 Crystal
2.4.2 Display Panels
2.4.3 Flat Glass
2.4.4 Optical Glass
2.4.5 Consumer Electronics
2.4.6 Others
2.5 Severless Apps Sales by Application
2.5.1 Global Severless Apps Sale Market Share by Application (2017-2022)
2.5.2 Global Severless Apps Revenue and Market Share by Application (2017-2022)
2.5.3 Global Severless Apps Sale Price by Application (2017-2022)

3 Global Severless Apps by Company
3.1 Global Severless Apps Breakdown Data by Company
3.1.1 Global Severless Apps Annual Sales by Company (2020-2022)
3.1.2 Global Severless Apps Sales Market Share by Company (2020-2022)
3.2 Global Severless Apps Annual Revenue by Company (2020-2022)
3.2.1 Global Severless Apps Revenue by Company (2020-2022)
3.2.2 Global Severless Apps Revenue Market Share by Company (2020-2022)
3.3 Global Severless Apps Sale Price by Company
3.4 Key Manufacturers Severless Apps Producing Area Distribution, Sales Area, Product Type
3.4.1 Key Manufacturers Severless Apps Product Location Distribution
3.4.2 Players Severless Apps Products Offered
3.5 Market Concentration Rate Analysis
3.5.1 Competition Landscape Analysis
3.5.2 Concentration Ratio (CR3, CR5 and CR10) and (2020-2022)
3.6 New Products and Potential Entrants
3.7 Mergers and Acquisitions, Expansion

4 World Historic Review for Severless Apps by Geographic Region
4.1 World Historic Severless Apps Market Size by Geographic Region (2017-2022)
4.1.1 Global Severless Apps Annual Sales by Geographic Region (2017-2022)
4.1.2 Global Severless Apps Annual Revenue by Geographic Region
4.2 World Historic Severless Apps Market Size by Country/Region (2017-2022)
4.2.1 Global Severless Apps Annual Sales by Country/Region (2017-2022)
4.2.2 Global Severless Apps Annual Revenue by Country/Region
4.3 Americas Severless Apps Sales Growth
4.4 APAC Severless Apps Sales Growth
4.5 Europe Severless Apps Sales Growth
4.6 Middle East and Africa Severless Apps Sales Growth

5 Americas
5.1 Americas Severless Apps Sales by Country
5.1.1 Americas Severless Apps Sales by Country (2017-2022)
5.1.2 Americas Severless Apps Revenue by Country (2017-2022)
5.2 Americas Severless Apps Sales by Type
5.3 Americas Severless Apps Sales by Application
5.4 United States
5.5 Canada
5.6 Mexico
5.7 Brazil

6.1 APAC Severless Apps Sales by Region
6.1.1 APAC Severless Apps Sales by Region (2017-2022)
6.1.2 APAC Severless Apps Revenue by Region (2017-2022)
6.2 APAC Severless Apps Sales by Type
6.3 APAC Severless Apps Sales by Application
6.4 China
6.5 Japan
6.6 South Korea
6.7 Southeast Asia
6.8 India
6.9 Australia
6.10 China Taiwan

7 Europe
7.1 Europe Severless Apps by Country
7.1.1 Europe Severless Apps Sales by Country (2017-2022)
7.1.2 Europe Severless Apps Revenue by Country (2017-2022)
7.2 Europe Severless Apps Sales by Type
7.3 Europe Severless Apps Sales by Application
7.4 Germany
7.5 France
7.6 UK
7.7 Italy
7.8 Russia

8 Middle East and Africa
8.1 Middle East and Africa Severless Apps by Country
8.1.1 Middle East and Africa Severless Apps Sales by Country (2017-2022)
8.1.2 Middle East and Africa Severless Apps Revenue by Country (2017-2022)
8.2 Middle East and Africa Severless Apps Sales by Type
8.3 Middle East and Africa Severless Apps Sales by Application
8.4 Egypt
8.5 South Africa
8.6 Israel
8.7 Turkey
8.8 GCC Countries

9 Market Drivers, Challenges and Trends
9.1 Market Drivers and Growth Opportunities
9.2 Market Challenges and Risks
9.3 Industry Trends

10 Manufacturing Cost Structure Analysis
10.1 Raw Material and Suppliers
10.2 Manufacturing Cost Structure Analysis of Severless Apps
10.3 Manufacturing Process Analysis of Severless Apps
10.4 Industry Chain Structure of Severless Apps

11 Marketing, Distributors and Customer
11.1 Sales Channel
11.1.1 Direct Channels
11.1.2 Indirect Channels
11.2 Severless Apps Distributors
11.3 Severless Apps Customer

12 World Forecast Review for Severless Apps by Geographic Region
12.1 Global Severless Apps Market Size Forecast by Region
12.1.1 Global Severless Apps Forecast by Region (2023-2028)
12.1.2 Global Severless Apps Annual Revenue Forecast by Region (2023-2028)
12.2 Americas Forecast by Country
12.3 APAC Forecast by Region
12.4 Europe Forecast by Country
12.5 Middle East and Africa Forecast by Country
12.6 Global Severless Apps Forecast by Type
12.7 Global Severless Apps Forecast by Application

13 Key Players Analysis

14 Research Findings and Conclusion

Detailed TOC of Global Severless Apps Market @

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To view the original version on The Express Wire visit Global Severless Apps Market Share, Size, Top Key Players, Business Demand, Cost Structure, and Growth Forecast to 2028

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Killexams : We've got nearly 50 pitch decks that helped fintechs disrupting trading, investing, and banking raise millions in funding

Check out these pitch decks for examples of fintech founders sold their vision.Yulia Reznikov/Getty Images

  • Insider has been tracking the next wave of hot new startups that are blending finance and tech.

  • Check out these pitch decks to see how fintech founders sold their vision.

  • See more stories on Insider's business page.

Fintech funding has been on a tear.

In 2021, fintech funding hit a record $132 billion globally, according to CB Insights, more than double 2020's mark.

Insider has been tracking the next wave of hot new startups that are blending finance and tech.

Check out these pitch decks to see how fintech founders are selling their vision and nabbing big bucks in the process. You'll see new financial tech geared at freelancers, fresh twists on digital banking, and innovation aimed at streamlining customer onboarding.

New twists on digital banking

Zach Bruhnke, cofounder and CEO of HMBradleyHMBradley

Consumers are getting used to the idea of branch-less banking, a trend that startup digital-only banks like ChimeN26, and Varo have benefited from.

The majority of these fintechs target those who are underbanked, and rely on usage of their debit cards to make money off interchange. But fellow startup HMBradley has a different business model.

"Our thesis going in was that we don't swipe our debit cards all that often, and we don't think the customer base that we're focusing on does either," Zach Bruhnke, cofounder and CEO of HMBradley, told Insider. "A lot of our customer base uses credit cards on a daily basis."

Instead, the startup is aiming to build clientele with stable deposits. As a result, the bank is offering interest-rate tiers depending on how much a customer saves of their direct deposit.

Notably, the rate tiers are dependent on the percentage of savings, not the net amount.

"We'll pay you more when you save more of what comes in," Bruhnke said. "We didn't want to segment customers by how much money they had. So it was always going to be about a percentage of income. That was really important to us."

Personal finance is only a text away

Yinon Ravid, the chief executive and cofounder of Albert.Albert

The COVID-19 pandemic has underscored the growing preference of mobile banking as customers get comfortable managing their finances online.

The financial app Albert has seen a similar jump in activity. Currently counting more than six million members, deposits in Albert's savings offering doubled from the start of the pandemic in March 2020 to May of this year, from $350 million to $700 million, according to new numbers released by the company.

Founded in 2015, Albert offers automated budgeting and savings tools alongside guided investment portfolios. It's looked to differentiate itself through personalized features, like the ability for customers to text human financial experts.

Budgeting and saving features are free on Albert. But for more tailored financial advice, customers pay a subscription fee that's a pay-what-you-can model, between $4 and $14 a month.

And Albert's now banking on a new tool to bring together its investing, savings, and budgeting tools.

Gen Z's finance coach


Jessica Chen Riolfi kept hearing the same concern from users during her time at financial-technology companies focused on personal finance: "I don't know what I'm doing."

Whether they were weighing what stocks to pick on Robinhood or attempting to break out of living paycheck to paycheck using Earnin, an earned-wage access startup, Chen Riolfi found users often struggled to understand how best to save, spend, and invest.

In her latest role, Chen Riolfi hopes to finally help users overcome their doubts and confusion as the cofounder and CEO of Uprise, a free financial-coaching app that aims to bring an offering typically limited to high net-worth individuals to a wider audience.

"What we're building at Uprise is really seeing ourselves as democratizing access to private family offices," Chen Riolfi told Insider. "There's somebody out there keeping an eye out and optimizing your finances. Helping people sleep better at night — that's really the feeling that we're trying to impart."

'A bank for immigrants'

Priyank Singh and Rohit Mittal are the cofounders of Stilt.Stilt

Rohit Mittal remembers the difficulties he faced when he first arrived in the United States a decade ago as a master's student at Columbia University.

As an immigrant from India, Mittal had no credit score in the US and had difficulty integrating into the financial system. Mittal even struggled to get approved to rent an apartment and couch-surfed until he found a roommate willing to offer him space in his apartment in the New York neighborhood Morningside Heights.

That roommate was Priyank Singh, who would go on to become Mittal's cofounder when the two started Stilt, a financial-technology company designed to address the problems Mittal faced when he arrived in the US.

Stilt, which calls itself "a bank for immigrants," does not require a social security number or credit history to access its offerings, including unsecured personal loans.

Instead of relying on traditional metrics like a credit score, Stilt uses data such as education and employment to predict an individual's future income stability and cash flow before issuing a loan. Stilt has seen its loan volume grow by 500% in the past 12 months, and the startup has loaned to immigrants from 160 countries since its launch.

An IRA for alternatives

Henry Yoshida is the co-founder and CEO of retirement fintech startup Rocket Dollar.Rocket Dollar

Fintech startup Rocket Dollar, which helps users invest their individual retirement account (IRA) dollars into alternative assets, just raised $8 million for its Series A round, the company announced on Thursday.

Park West Asset Management led the round, with participation from investors including Hyphen Capital, which focuses on backing Asian American entrepreneurs, and crypto exchange Kraken's venture arm.

Co-founded in 2018 by CEO Henry Yoshida, CTO Rick Dude, and VP of marketing Thomas Young, Rocket Dollar now has over $350 million in assets under management on its platform. Yoshida sold his first startup, a roboadvisor called Honest Dollar, to Goldman Sachs' investment management division for an estimated $20 million.

Yoshida told Insider that while ultra-high net worth investors have been investing self-directed retirement account dollars into alternative assets like real estate, private equity, and cryptocurrency, average investors have not historically been able to access the same opportunities to invest IRA dollars in alternative assets through traditional platforms.

A trading app for activism

Antoine Argouges, CEO and founder of TulipshareTulipshare

An up-and-coming fintech is taking aim at some of the world's largest corporations by empowering retail investors to push for social and environmental change by pooling their shareholder rights.

London-based Tulipshare lets individuals in the UK invest as little as one pound in publicly-traded company stocks. The upstart combines individuals' shareholder rights with other like-minded investors to advocate for environmental, social, and corporate governance change at firms like JPMorgan, Apple, and Amazon.

The goal is to achieve a higher number of shares to maximize the number of votes that can be submitted at shareholder meetings. Already a regulated broker-dealer in the UK, Tulipshare recently applied for registration as a broker-dealer in the US.

"If you ask your friends and family if they've ever voted on shareholder resolutions, the answer will probably be close to zero," CEO and founder Antoine Argouges told Insider. "I started Tulipshare to utilize shareholder rights to bring about positive corporate change that has an impact on people's lives and our planet — what's more powerful than money to change the system we live in?"

Digital tools for independent financial advisors

Jason Wenk, founder and CEO of AltruistAltruist

Jason Wenk started his career at Morgan Stanley in investment research over 20 years ago. Now, he's running a company that is hoping to broaden access to financial advice for less-wealthy individuals.

The startup raised $50 million in Series B funding led by Insight Partners with participation from investors Vanguard and Venrock. The round brings the Los Angeles-based startup's total funding to just under $67 million.

Founded in 2018, Altruist is a digital brokerage built for independent financial advisors, intended to be an "all-in-one" platform that unites custodial functions, portfolio accounting, and a client-facing portal. It allows advisors to open accounts, invest, build models, report, trade (including fractional shares), and bill clients through an interface that can advisors time by eliminating mundane operational tasks.

Altruist aims to make personalized financial advice less expensive, more efficient, and more inclusive through the platform, which is designed for registered investment advisors (RIAs), a growing segment of the wealth management industry.

Rethinking debt collection

Jason Saltzman, founder and CEO of ReliefRelief

For lenders, debt collection is largely automated. But for people who owe money on their credit cards, it can be a confusing and stressful process.

Relief is looking to change that. Its app automates the credit-card debt collection process for users, negotiating with lenders and collectors to settle outstanding balances on their behalf. The fintech just launched and closed a $2 million seed round led by Collaborative Ventures.

Relief's fundraising experience was a bit different to most. Its pitch deck, which it shared with one investor via Google Slides, went viral. It set out to raise a $1 million seed round, but ended up doubling that and giving some investors money back to make room for others.

Helping small banks lend


For large corporations with a track record of tapping the credit markets, taking out debt is a well-structured and clear process handled by the nation's biggest investment banks and teams of accountants.

But smaller, middle-market companies — typically those with annual revenues ranging up to $1 billion — are typically served by regional and community banks that don't always have the capacity to adequately measure the risk of loans or price them competitively. Per the National Center for the Middle Market, 200,000 companies fall into this range, accounting for roughly 33% of US private sector GDP and employment.

Dallas-based fintech CollateralEdge works with these banks — typically those with between $1 billion and $50 billion in assets — to help analyze and price slices of commercial and industrial loans that previously might have gone unserved by smaller lenders.

On October 20th, CollateralEdge announced a $3.5 million seed round led by Dallas venture fund Perot Jain with participation from Kneeland Youngblood (a founder of the healthcare-focused private-equity firm Pharos Capital) and other individual investors.

A new way to assess creditworthiness

Pinwheel founders Curtis Lee, Kurt Lin, and Anish Basu.Pinwheel

Growing up, Kurt Lin never saw his father get frustrated.

A "traditional, stoic figure," Lin said his father immigrated to the United States in the 1970s. Becoming part of the financial system proved even more difficult than assimilating into a new culture.

Lin recalled visiting bank after bank with his father as a child, watching as his father's applications for a mortgage were denied due to his lack of credit history.

"That was the first time in my life I really saw him crack," Lin told Insider. "The system doesn't work for a lot of people — including my dad," he added.

Lin would find a solution to his father's problem years later while working with Anish Basu, and Curtis Lee on an automated health savings account. The trio realized the payroll data integrations they were working on could be the basis of a product that would help lenders work with consumers without strong credit histories.

"That's when the lightbulb hit," said Lin, Pinwheel's CEO.

In 2018, Lin, Basu, and Lee founded Pinwheel, an application-programming interface that shares payroll data to help both fintechs and traditional lenders serve consumers with limited or poor credit, who have historically struggled to access financial products.

An alternative auto lender


An alternative auto lender that caters to thin- and no-credit Hispanic borrowers is planning a national expansion after scoring a $90 million investment from BlackRock-managed funds.

Tricolor is a Dallas-based auto lender that is a community development financial institution. It uses a proprietary artificial-intelligence engine that decisions each customer based on more than 100 data points, such as proof of income.

Half of Tricolor's customers have a FICO score, and less than 12% have scores above 650, yet the average customer has lived in the US for 15 years, according to the deck.

A 2017 survey by the Federal Deposit Insurance Corporation found 31.5% of Hispanic households had no mainstream credit compared to 14.4% of white households.

"For decades, the deck has been stacked against low income or credit invisible Hispanics in the United States when it comes to the purchase and financing of a used vehicle," Daniel Chu, founder and CEO of Tricolor, said in a statement announcing the raise.

A new way to access credit

The TomoCredit teamTomoCredit

Kristy Kim knows first-hand the challenge of obtaining credit in the US without an established credit history.

Kim, who came to the US from South Korea, couldn't initially get access to credit despite having a job in investment banking after graduating college.

"I was in my early twenties, I had a good income, my job was in investment banking but I could not get approved for anything," Kim told Insider. "Many young professionals like me, we deserve an opportunity to be considered but just because we didn't have a Fico, we weren't given a chance to even apply," she added.

Kim started TomoCredit in 2018 to help others like herself gain access to consumer credit. TomoCredit spent three years building an internal algorithm to underwrite customers based on cash flow, rather than a credit score.

Helping streamline how debts are repaid

Method Financial cofounders Jose Bethancourt and Marco del Carmen.Method Financial

When Jose Bethancourt graduated from the University of Texas at Austin in May 2019, he faced the same question that confronts over 43 million Americans: How would he repay his student loans?

The problem led Bethancourt on a nearly two-year journey that culminated in the creation of a startup aimed at making it easier for consumers to more seamlessly pay off all kinds of debt.

Initially, Bethancourt and fellow UT grad Marco del Carmen built GradJoy, an app that helped users better understand how to manage student loan repayment and other financial habits.

GradJoy was accepted into Y Combinator in the summer of 2019. But the duo quickly realized the real benefit to users would be helping them move money to make payments instead of simply offering recommendations.

"When we started GradJoy, we thought, 'Oh, we'll just supply advice — we don't think people are comfortable with us touching their student loans,' and then we realized that people were saying, 'Hey, just move the money — if you think I should pay extra, then I'll pay extra.' So that's kind of the movement that we've seen, just, everybody's more comfortable with fintechs doing what's best for them," Bethancourt told Insider.

QC Ware CEO Matt Johnson.QC Ware

Even though banks and hedge funds are still several years out from adding quantum computing to their tech arsenals, that hasn't stopped Wall Street giants from investing time and money into the emerging technology class.

And momentum for QC Ware, a startup looking to cut the time and resources it takes to use quantum computing, is accelerating. The fintech secured a $25 million Series B on September 29 co-led by Koch Disruptive Technologies and Covestro with participation from D.E. Shaw, Citi, and Samsung Ventures.

QC Ware, founded in 2014, builds quantum algorithms for the likes of Goldman Sachs (which led the fintech's Series A), Airbus, and BMW Group. The algorithms, which are effectively code bases that include quantum processing elements, can run on any of the four main public-cloud providers.

Quantum computing allows companies to do complex calculations faster than traditional computers by using a form of physics that runs on quantum bits as opposed to the traditional 1s and 0s that computers use. This is especially helpful in banking for risk analytics or algorithmic trading, where executing calculations milliseconds faster than the competition can supply firms a leg up.

Eric Chang and Alex Schumacher, co-founders of ClairaClaira

It was a match made in heaven — at least the Wall Street type.

Joseph Squeri, a former CIO at Citadel and Barclays, had always struggled with the digitization of financial documents. When he was tapped by Brady Dougan, the former chief executive of Credit Suisse, to build out an all-digital investment bank in Exos, Squeri spent the first year getting let down by more than a dozen tools that lacked a depth in financial legal documents.

His solution came in the form of Alex Schumacher and Eric Chang who had the tech and financial expertise, respectively, to build the tool he needed.

Schumacher is an expert in natural-language processing and natural-language understanding, having specialized in turning unstructured text into useful business information.

Chang spent a decade as a trader and investment strategist at Goldman Sachs, BlackRock, and AQR. He developed a familiarity with the kinds of financial documents Squeri wanted to digitize, such as the terms and conditions information from SEC filings and publicly traded securities and transactions, like municipal bonds and collateralized loan obligations (CLOs).

The three converged at Exos, Squeri as its COO and CTO, Schumacher as the lead data scientist, and Chang as head of tech and strategy.

Kirat Singh and Mark Higgins, Beacon's cofounders.Beacon

A fintech that helps financial institutions use quantitative models to streamline their businesses and Strengthen risk management is catching the attention, and capital, of some of the country's biggest investment managers.

Beacon Platform, founded in 2014, is a fintech that builds applications and tools to help banks, asset managers, and trading firms quickly integrate quantitative models that can help with analyzing risk, ensuring compliance, and improving operational efficiency. The company raised its Series C on Wednesday, scoring a $56 million investment led by Warburg Pincus with support from Blackstone Innovations Investments, PIMCO, and Global Atlantic.

Blackstone, PIMCO, and Global Atlantic are also users of Beacon's tech, as are the Commonwealth Bank of Australia and Shell New Energies, a division of Royal Dutch Shell, among others.

The fintech provides a shortcut for firms looking to use quantitative modelling and data science across various aspects of their businesses, a process that can often take considerable resources if done solo.

Sussing out bad actors

From left to right: Cofounders CTO David Movshovitz, CEO Doron Hendler, and chief architect Adi DeGaniRevealSecurity

An encounter with an impersonation hacker led Doron Hendler to found RevealSecurity, a Tel Aviv-based cybersecurity startup that monitors for insider threats.

Two years ago, a woman impersonating an insurance-agency representative called Hendler and convinced him that he made a mistake with his recent health insurance policy upgrade. She got him to share his login information for his insurer's website, even getting him to supply the one-time passcode sent to his phone.

Once the hacker got what she needed, she disconnected the call, prompting Hendler to call back. When no one picked up the phone, he realized he had been conned.

He immediately called his insurance company to check on his account. Nothing seemed out of place to the representative. But Hendler, who was previously a vice president of a software company, suspected something intangible could have been collected, so he reset his credentials.

"The chief of information security, who was on the call, he asked me, 'So, how do you want me to identify you? You gave your credentials; you gave your ID; you gave the one time password. How the hell can I identify that it's not you?' And I told him, 'But I never behave like this,'" Hendler recalled of the conversation.

A new data feed for bond trading

Mark Lennihan/AP

For years, the only way investors could figure out the going price of a corporate bond was calling up a dealer on the phone. The rise of electronic trading has streamlined that process, but data can still be hard to come by sometimes.

A startup founded by a former Goldman Sachs exec has big plans to change that.

BondCliQ is a fintech that provides a data feed of pre-trade pricing quotes for the corporate bond market. Founded by Chris White, the creator of Goldman Sachs' defunct corporate-bond-trading system, BondCliQ strives to bring transparency to a market that has traditionally kept such data close to the vest.

Banks, which typically serve as the dealers of corporate bonds, have historically kept pre-trade quotes hidden from other dealers to maintain a competitive advantage.

But tech advancements and the rise of electronic marketplaces have shifted power dynamics into the hands of buy-side firms, like hedge funds and asset managers. The investors are now able to get a fuller picture of the market by aggregating price quotes directly from dealers or via vendors.

Fraud prevention for lenders and insurers

Fiordaliso/Getty Images

Onboarding new customers with ease is key for any financial institution or retailer. The more friction you add, the more likely consumers are to abandon the entire process.

But preventing fraud is also a priority, and that's where Neuro-ID comes in. The startup analyzes what it calls "digital body language," or, the way users scroll, type, and tap. Using that data, Neuro-ID can identify fraudulent users before they create an account. It's built for banks, lenders, insurers, and e-commerce players.

"The train has left the station for digital transformation, but there's a massive opportunity to try to replicate all those communications that we used to have when we did business in-person, all those tells that we would get verbally and non-verbally on whether or not someone was trustworthy," Neuro-ID CEO Jack Alton told Insider.

Founded in 2014, the startup's pitch is twofold: Neuro-ID can save companies money by identifying fraud early, and help increase user conversion by making the onboarding process more seamless.

In December Neuro-ID closed a $7 million Series A, co-led by Fin VC and TTV Capital, with participation from Canapi Ventures. With 30 employees, Neuro-ID is using the fresh funding to grow its team and create additional tools to be more self-serving for customers.

AI-powered tools to spot phony online reviews


Marketplaces like Amazon and eBay host millions of third-party sellers, and their algorithms will often boost items in search based on consumer sentiment, which is largely based on reviews. But many third-party sellers use fake reviews often bought from click farms to boost their items, some of which are counterfeit or misrepresented to consumers.

That's where Fakespot comes in. With its Chrome extension, it warns users of sellers using potentially fake reviews to boost sales and can identify fraudulent sellers. Fakespot is currently compatible with Amazon, BestBuy, eBay, Sephora, Steam, and Walmart.

"There are promotional reviews written by humans and bot-generated reviews written by robots or review farms," Fakespot founder and CEO Saoud Khalifah told Insider. "Our AI system has been built to detect both categories with very high accuracy."

Fakespot's AI learns via reviews data available on marketplace websites, and uses natural-language processing to identify if reviews are genuine. Fakespot also looks at things like whether the number of positive reviews are plausible given how long a seller has been active.

Helping fintechs manage data

Proper Finance co-founders Travis Gibson (left) and Kyle MaloneyProper Finance

As the flow of data becomes evermore crucial for fintechs, from the strappy startup to the established powerhouse, a thorny issue in the back office is becoming increasingly complex.

Even though fintechs are known for their sleek front ends, the back end is often quite the opposite. Behind that streamlined interface can be a mosaic of different partner integrations — be it with banks, payments players and networks, or software vendors — with a channel of data running between them.

Two people who know that better than the average are Kyle Maloney and Travis Gibson, two former employees of Marqeta, a fintech that provides other fintechs with payments processing and card issuance.

"Take an established neobank for example. They'll likely have one or two card issuers, two to three bank partners, ACH processing for direct deposits and payouts, mobile check deposits, peer-to-peer payments, and lending," Gibson told Insider.

E-commerce focused business banking

Michael Rangel, cofounder and CEO, and Tyler McIntyre, cofounder and CTO of Novo.Kristelle Boulos Photography

Business banking is a hot market in fintech. And it seems investors can't get enough.

Novo, the digital banking fintech aimed at small e-commerce businesses, raised a $40.7 million Series A led by Valar Ventures in June. Since its launch in 2018, Novo has signed up 100,000 small businesses. Beyond bank accounts, it offers expense management, a corporate card, and integrates with e-commerce infrastructure players like Shopify, Stripe, and Wise.

Founded in 2018, Novo was based in New York City, but has since moved its headquarters to Miami.

Shopify for embedded finance

Productfy CEO and founder, Duy VoProductfy

Productfy is looking to break into embedded finance by becoming the Shopify of back-end banking services.

Embedded finance — integrating banking services in non-financial settings — has taken hold in the e-commerce world. But Productfy is going after a different kind of customer in churches, universities, and nonprofits.

The San Jose, Calif.-based upstart aims to help non-finance companies offer their own banking products. Productfy can help customers launch finance features in as little as a week and without additional engineering resources or background knowledge of banking compliance or legal requirements, Productfy founder and CEO Duy Vo told Insider.

"You don't need an engineer to stand up Shopify, right? You can be someone who's just creating art and you can use Shopify to build your own online store," Vo said, adding that Productfy is looking to take that user experience and replicate it for banking services.

Deploying algorithms and automation to small-business financing

Justin Straight and Bernard Worthy, LoanWell co-foundersLoanWell

Bernard Worthy and Justin Straight, the founders of LoanWell, want to break down barriers to financing for small and medium-size businesses — and they've got algorithms and automation in their tech arsenals that they hope will do it.

Worthy, the company's CEO, and Straight, its chief operating and financial officer, are powering community-focused lenders to fill a gap in the SMB financing world by boosting access to loans under $100,000. And the upstart is known for catching the attention, and dollars, of mission-driven investors. LoanWell closed a $3 million seed financing round in December led by Impact America Fund with participation from SoftBank's SB Opportunity Fund and Collab Capital.

LoanWell automates the financing process — from underwriting and origination, to money movement and servicing — which shaves down an up-to-90-day process to 30 days or even same-day with some LoanWell lenders, Worthy said.

SMBs rely on these loans to process quickly after two years of financial uncertainty. But the pandemic illustrated how time-consuming and expensive SMB financing can be, highlighted by efforts like the federal government's Paycheck Protection Program.

Community banks, once the lifeline to capital for many local businesses, continue to shutter. And demands for smaller loan amounts remain largely unmet. More than half of business-loan applicants sought $100,000 or less, according to 2018 data from the Federal Reserve. But the average small-business bank loan was closer to six times that amount, according to the latest data from a now discontinued Federal Reserve survey.

Branded cards for SMBs

Jennifer Glaspie-Lundstrom is the cofounder and CEO of Tandym.Tandym

Jennifer Glaspie-Lundstrom is no stranger to the private-label credit-card business. As a former Capital One exec, she worked in both the card giant's co-brand partnerships division and its tech organization during her seven years at the company.

Now, Glaspie-Lundstrom is hoping to use that experience to innovate a sector that was initially created in malls decades ago.

Glaspie-Lundstrom is the cofounder and CEO of Tandym, which offers private-label digital credit cards to merchants.

Store and private-label credit cards aren't a new concept, but Tandym is targeting small- and medium-sized merchants with less than $1 billion in annual revenue. Glaspie-Lundstrom said that group often struggles to offer private-label credit due to the expense of working with legacy players.

"What you have is this example of a very valuable product type that merchants love and their customers love, but a huge, untapped market that has heretofore been unserved, and so that's what we're doing with Tandym," Glaspi-Lundstrom told Insider.

Catering to 'micro businesses'

Stefanie sample is the founder and CEO of FundidFundid

Startups aiming to simplify the often-complex world of corporate cards have boomed in recent years.

Business-finance management startup Brex was last valued at $12.3 billion after raising $300 million last year. Startup card provider Ramp announced an $8.1 billion valuation in March after growing its revenue nearly 10x in 2021. Divvy, a small business card provider, was acquired by in May 2021 for approximately $2.5 billion.

But despite how hot the market has gotten, Stefanie sample said she ended up working in the space by accident.

Sample is the founder and CEO of Fundid, a new fintech that provides credit and lending products to small businesses.

This May, Fundid announced a $3.25 million seed round led by Nevcaut Ventures. Additional investors include the Artemis Fund and Builders and Backers. The funding announcement capped off the company's first year: sample introduced the Fundid concept in April 2021, launched its website in May, and began raising capital in August.

"I never meant to do Fundid," sample told Insider. "I never meant to do something that was venture-backed."

Embedded payments for SMBs

The Highnote teamHighnote

Branded cards have long been a way for merchants with the appropriate bank relationships to create additional revenue and build customer loyalty.

The rise of embedded payments, or the ability to shop and pay in a seamless experience within a single app, has broadened the number of companies looking to launch branded cards.

Highnote is a startup that helps small to mid-sized merchants roll out their own debit and pre-paid digital cards.

The fintech emerged from stealth on Tuesday to announce it raised $54 million in seed and Series A funding.

Speeding up loans for government contractors

OppZo cofounders Warren Reed and Randy GarrettOppZo

The massive market for federal government contracts approached $700 billion in 2020, and it's likely to grow as spending accelerates amid an ongoing push for investment in the nation's infrastructure. 

Many of those dollars flow to small-and-medium sized businesses, even though larger corporations are awarded the bulk of contracts by volume. Of the roughly $680 billion in federal contracts awarded in 2020, roughly a quarter, according to federal guidelines, or some $146 billion that year, went to smaller businesses.

But peeking under the hood of the procurement process, the cofounders of OppZo — Randy Garrett and Warren Reed — saw an opportunity to streamline how smaller-sized businesses can leverage those contracts to tap in to capital.

Securing a deal is "a government contractor's best day and their worst day," as Garrett, OppZo's president, likes to put it.

"At that point they need to pay vendors and hire folks to start the contract. And they may not get their first contract payment from the government for as long as 120 days," Reed, the startup's CEO,  told Insider.

Helping small businesses manage their taxes

ComplYant's founder Shiloh Jackson wants to help people be present in their bookkeeping.ComplYant

After 14 years in tax accounting, Shiloh Johnson had formed a core philosophy around corporate accounting: everyone deserves to understand their business's money and business owners need to be present in their bookkeeping process.

She wanted to help small businesses understand "this is why you need to do what you're doing and why you have to change the way you think about tax and be present in your bookkeeping process," she told Insider.

The Los Angeles native wanted small businesses to not only understand business tax no matter their size but also to find the tools they needed to prepare their taxes in one spot. So Johnson developed a software platform that provides just that.

Automating accounting ops for SMBs

Decimal CEO Matt Tait.Decimal

Small- and medium-sized businesses can rely on any number of payroll, expense management, bill pay, and corporate-card startups promising to automate parts of their financial workflow.

Smaller firms have adopted this corporate-financial software en masse, boosting growth throughout the pandemic for relatively new entrants like Ramp and massive, industry stalwarts like Intuit.

But it's no easy task to connect all of those tools into one, seamless process. And while accounting operations might be far from where many startup founders want to focus their time, having efficient back-end finances does mean time — and capital — freed up to spend elsewhere.

For Decimal CEO Matt Tait, there's ample opportunity in "the boring stuff you have to do to survive as a company," he told Insider.

Launched in 2020, Decimal provides a back-end tech layer that small- and medium-sized businesses can use to integrate their accounting and business-management software tools in one place.

On Wednesday, Decimal announced a $9 million seed fundraising round led by Minneapolis-based Arthur Ventures, alongside Service Providers Capital and other angel investors.

Invoice financing for SMBs

Stacey Abrams and Lara Hodgson, Now co-foundersNow

About a decade ago, politician Stacey Abrams and entrepreneur Lara Hodgson were forced to fold their startup because of a kink in the supply chain — but not in the traditional sense.

Nourish, which made spill-proof bottled water for children, had grown quickly from selling to small retailers to national ones. And while that may sound like a feather in the small business' cap, there was a hang-up.

"It was taking longer and longer to get paid, and as you can imagine, you deliver the product and then you wait and you wait, but meanwhile you have to pay your employees and you have to pay your vendors," Hodgson told Insider. "Waiting to get paid was constraining our ability to grow."

While it's not unusual for small businesses to grapple with working capital issues, the dust was still settling from the Great Recession. Abrams and Hodgson couldn't secure a line of credit or use financing tools like factoring to solve their problem.

The two entrepreneurs were forced to close Nourish in 2012, but along the way they recognized a disconnect in the system.

"Why are we the ones borrowing money, when in fact we're the lender here because every time you send an invoice to a customer, you've essentially extended a free loan to that customer by letting them pay later," Hodgson said. "And the only reason why we were going to need to possibly borrow money was because we had just given ours away for free to Whole Foods," she added.

Ryan Breslow.Ryan Breslow

Amazon has long dominated e-commerce with its one-click checkout flows, offering easier ways for consumers to shop online than its small-business competitors.

Bolt gives small merchants tools to offer the same easy checkouts so they can compete with the likes of Amazon.

The startup raised its $393 million Series D to continue adding its one-click checkout feature to merchants' own websites in October.

Bolt markets to merchants themselves. But a big part of Bolt's pitch is its growing network of consumers — currently over 5.6 million — that use its features across multiple Bolt merchant customers.

Roughly 5% of Bolt's transactions were network-driven in May, meaning users that signed up for a Bolt account on another retailer's website used it elsewhere. The network effects were even more pronounced in verticals like furniture, where 49% of transactions were driven by the Bolt network.

"The network effect is now unleashed with Bolt in full fury, and that triggered the raise," Bolt's founder and CEO Ryan Breslow told Insider.

Payments infrastructure for fintechs

Qolo CEO and co-founder Patricia MontesiQolo

Three years ago, Patricia Montesi realized there was a disconnect in the payments world.

"A lot of new economy companies or fintech companies were looking to mesh up a lot of payment modalities that they weren't able to," Montesi, CEO and co-founder of Qolo, told Insider.

Integrating various payment capabilities often meant tapping several different providers that had specializations in one product or service, she added, like debit card issuance or cross-border payments.

"The way people were getting around that was that they were creating this spider web of fintech," she said, adding that "at the end of it all, they had this mess of suppliers and integrations and bank accounts."

The 20-year payments veteran rounded up a group of three other co-founders — who together had more than a century of combined industry experience — to start Qolo, a business-to-business fintech that sought out to bundle back-end payment rails for other fintechs.

Better use of payroll data

Atomic's Head of Markets, Lindsay DavisAtomic

Employees at companies large and small know the importance — and limitations — of how firms manage their payrolls.

A new crop of startups are building the API pipes that connect companies and their employees to offer a greater level of visibility and flexibility when it comes to payroll data and employee verification.

On Thursday, one of those names, Atomic, announced a $40 million Series B fundraising round co-led by Mercato Partners and Greylock, alongside Core Innovation Capital, Portage, and ATX Capital.

The round follows Atomic's Series A round announced in October, when the startup raised a $22 million Series A from investors including Core Innovation Capital, Portage, and Greylock.

Saving on vendor invoices

Howard Katzenberg, Glean's CEO and cofounderGlean

When it comes to high-flying tech startups, headlines and investors typically tend to focus on industry "disruption" and the total addressable market a company is hoping to reach. Expense cutting as a way to boost growth typically isn't part of the conversation early on, and finance teams are viewed as cost centers relative to sales teams.

But one fast-growing area of business payments has turned its focus to managing those costs. Startups like Ramp and established names like have made their name offering automated expense-management systems.

Now, one new fintech competitor, Glean, is looking to take that further by offering both automated payment services and tailored line-item accounts-payable insights driven by machine-learning models.

Glean's CFO and founder, Howard Katzenberg, told Insider that the genesis of Glean was driven by his own personal experience managing the finance teams of startups, including mortgage lender, which Katzenberg left in 2019, and online small-business lender OnDeck.

"As a CFO of high-growth companies, I spent a lot of time focused on revenue and I had amazing dashboards in real time where I could see what is going on top of the funnel, what's going on with conversion rates, what's going on in terms of pricing and attrition," Katzenberg told Insider.

Real-estate management made easy

Agora founders Noam Kahan, CTO, Bar Mor, CEO, and Lior Dolinski, CPOAgora

For alternative asset managers of any type, the operations underpinning sales and investor communications are a crucial but often overlooked part of the business. Fund managers love to make bets on markets, not coordinate hundreds of wire transfers to clients each quarter or organize customer-relationship-management databases.

Within the $10.6 trillion global market for professionally managed real-estate investing, that's where Tel Aviv and New York-based startup Agora hopes to make its mark.

Founded in 2019, Agora offers a set of back-office, investor relations, and sales software tools that real-estate investment managers can plug into their workflows.

On Wednesday, Agora announced a $9 million seed round, led by Israel-based venture firm Aleph, with participation from River Park Ventures and Maccabee Ventures. The funding comes on the heels of an October 2020 pre-seed fund raise worth $890,000, in which Maccabee also participated.

Access to commercial real-estate investing

LEX Markets cofounders and co-CEOs Drew Sterrett and Jesse Daugherty.LEX Markets

Drew Sterrett was structuring real-estate deals while working in private equity when he realized the inefficiencies that existed in the market.

Only high-net worth individuals or accredited investors could participate in commercial real-estate deals. If they ever wanted to leave a partnership or sell their stake in a property, it was difficult to find another investor to replace them. Owners also struggled to sell minority stakes in their properties and didn't have many good options to recapitalize an asset if necessary.

In short, the market had a high barrier to entry despite the fact it didn't always have enough participants to get deals done quickly.

"Most investors don't have access to high-quality commercial real-estate investments. How do we have the oldest and largest asset class in the world and one of the largest wealth creators with no public and liquid market?" Sterrett told Insider. "It sort of seems like a no-brainer, and that this should have existed 50 or 60 years ago."

Insurance goes digital

Jamie Hale, CEO and cofounder of LadderLadder

Fintechs looking to transform how insurance policies are underwritten, issued, and experienced by customers have grown as new technology driven by digital trends and artificial intelligence shape the market.

And while verticals like auto, homeowner's, and renter's insurance have seen their fair share of innovation from forward-thinking fintechs, one company has taken on the massive life-insurance market.

Founded in 2017, Ladder uses a tech-driven approach to offer life insurance with a digital, end-to-end service that it says is more flexible, faster, and cost-effective than incumbent players.

Life, annuity, and accident and health insurance within the US comprise a big chunk of the broader market. In 2020, premiums written on those policies totaled some $767 billion, compared to $144 billion for auto policies and $97 billion for homeowner's insurance.

Data science for commercial insurance

Tanner Hackett, founder and CEO of CounterpartCounterpart

There's been no shortage of funds flowing into insurance-technology companies over the past few years.

Private-market funding to insurtechs soared to $15.4 billion in 2021, a 90% increase compared to 2020. Some of the most well-known consumer insurtech names — from Oscar (which focuses on health insurance) to Metromile (which focuses on auto) — launched on the public markets last year, only to fall over time or be acquired as investors questioned the sustainability of their business models.

In the commercial arena, however, the head of one insurtech company thinks there is still room to grow — especially for those catering to small businesses operating in an entirely new, pandemic-defined environment.

"The bigger opportunity is in commercial lines," Tanner Hackett, the CEO of management liability insurer Counterpart, told Insider.

"Everywhere I poke, I'm like, 'Oh my goodness, we're still in 1.0, and all the other businesses I've built were on version three.' Insurance is still in 1.0, still managing from spreadsheets and PDFs," added Hackett, who also previously co-founded Button, which focuses on mobile marketing.

Smarter insurance for multifamily properties

Itai Ben-Zaken, cofounder and CEO of Honeycomb.Honeycomb

A veteran of the online-insurance world is looking to revolutionize the way the industry prices risk for commercial properties with the help of artificial intelligence.

Insurance companies typically send inspectors to properties before issuing policies to better understand how the building is maintained and identify potential risks or issues with it. It's a process that can be time-consuming, expensive, and inefficient, making it hard to justify for smaller commercial properties, like apartment and condo buildings.

Insurtech Honeycomb is looking to fix that by using AI to analyze a combination of third-party data and photos submitted by customers through the startup's app to quickly identify any potential risks at a property and more accurately price policies.

"That whole physical inspection thing had really good things in it, but it wasn't really something that is scalable and, it's also expensive," Itai Ben-Zaken, Honeycomb's cofounder and CEO, told Insider. "The best way to see a property right now is Google street view. Google street view is usually two years old."

Helping freelancers with their taxes

Jaideep Singh is the CEO and co-founder of FlyFin, an AI-driven tax preparation software program for freelancers.FlyFin

Some people, particularly those with families or freelancing businesses, spend days searching for receipts for tax season, making tax preparation a time consuming and, at times, taxing experience.

That's why in 2020 Jaideep Singh founded FlyFin, an artificial-intelligence tax preparation program for freelancers that helps people, as he puts it, "fly through their finances."

FlyFin is set up to connect to a person's bank accounts, allowing the AI program to help users monitor for certain expenses that can be claimed on their taxes like business expenditures, the interest on mortgages, property taxes, or whatever else that might apply.

"For most individuals, people have expenses distributed over multiple financial institutions. So we built an AI platform that is able to look at expenses, understand the individual, understand your profession, understand the freelance population at large, and start the categorization," Singh told Insider.

Digital banking for freelancers

JGalione/Getty Images

Lance is a new digital bank hoping to simplify the life of those workers by offering what it calls an "active" approach to business banking.

"We found that every time we sat down with the existing tools and resources of our accountants and QuickBooks and spreadsheets, we just ended up getting tangled up in the whole experience of it," Lance cofounder and CEO Oona Rokyta told Insider.

Lance offers subaccounts for personal salaries, withholdings, and savings to which freelancers can automatically allocate funds according to custom preset levels. It also offers an expense balance that's connected to automated tax withholdings.

In May, Lance announced the closing of a $2.8 million seed round that saw participation from Barclays, BDMI, Great Oaks Capital, Imagination Capital, Techstars, DFJ Frontier, and others.

Software for managing freelancers

Worksome cofounder and CEO Morten Petersen.Worksome

The way people work has fundamentally changed over the past year, with more flexibility and many workers opting to freelance to maintain their work-from-home lifestyles.

But managing a freelance or contractor workforce is often an administrative headache for employers. Worksome is a startup looking to eliminate all the extra work required for employers to adapt to more flexible working norms.

Worksome started as a freelancer marketplace automating the process of matching qualified workers with the right jobs. But the team ultimately pivoted to a full suite of workforce management software, automating administrative burdens required to hire, pay, and account for contract workers.

In May, Worksome closed a $13 million Series A backed by European angel investor Tommy Ahlers and Danish firm Lind & Risør.

Payments and operations support

HoneyBook cofounders Dror Shimoni, Oz Alon, and Naama Alon.HoneyBook

While countless small businesses have been harmed by the pandemic, self-employment and entrepreneurship have found ways to blossom as Americans started new ventures.

Half of the US population may be freelance by 2027, according to a study commissioned by remote-work hiring platform Upwork. HoneyBook, a fintech startup that provides payment and operations support for freelancers, in May raised $155 million in funding and achieved unicorn status with its $1 billion-plus valuation.

Durable Capital Partners led the Series D funding with other new investors including renowned hedge fund Tiger Global, Battery Ventures, Zeev Ventures, and 01 Advisors. Citi Ventures, Citigroup's startup investment arm that also backs fintech robo-advisor Betterment, participated as an existing investor in the round alongside Norwest Venture partners. The latest round brings the company's fundraising total to $227 million to date.

Pay-as-you-go compliance for banks, fintechs, and crypto startups

Themis founder and CEO Neepa Patel

Neepa Patel, Themis' founder and CEOThemis

When Themis founder and CEO Neepa Patel set out to build a new compliance tool for banks, fintech startups, and crypto companies, she tapped into her own experience managing risk at some of the nation's biggest financial firms.

Having worked as a bank regulator at the Office of the Comptroller of the Currency and in compliance at Morgan Stanley, Deutsche Bank, and the enterprise blockchain company R3, Patel was well-placed to assess the shortcomings in financial compliance software.

But Patel, who left the corporate world to begin work on Themis in 2020, drew on more than just her own experience and frustrations to build the startup.

"It's not just me building a tool based on my personal pain points. I reached out to regulators. I reached out to bank compliance officers and members in the fintech community just to make sure that we're building it exactly how they do their work," Patel told Insider. "That was the biggest problem: No one built a tool that was reflective of how people do their work."

Connecting startups and investors

Hum Capital cofounder and CEO Blair SilverbergHum Capital

Blair Silverberg is no stranger to fundraising.

For six years, Silverberg was a venture capitalist at Draper Fisher Jurvetson and Private Credit Investments making bets on startups.

"I was meeting with thousands of founders in person each year, watching them one at a time go through this friction where they're meeting a ton of investors, and the investors are all asking the same questions," Silverberg told Insider.

He switched gears about three years ago, moving to the opposite side of the metaphorical table, to start Hum Capital, which uses artificial intelligence to match investors with startups looking to fundraise.

On August 31, the New York-based fintech announced its $9 million Series A. The round was led by Future Ventures with participation from Webb Investment Network, Wavemaker Partners, and Partech.

Helping LatAm startups get up to speed

Kamino cofounders Gut Fragoso, Rodrigo Perenha, Benjamin Gleason, and Gonzalo ParejoKamino

There's more venture capital flowing into Latin America than ever before, but getting the funds in founders' hands is not exactly a simple process.

In 2021, investors funneled $15.3 billion into Latin American companies, more than tripling the previous record of $4.9 billion in 2019. Fintech and e-commerce sectors drove funding, accounting for 39% and 25% of total funding, respectively.

However, for many startup founders in the region who have successfully sold their ideas and gotten investors on board, there's a patchwork of corporate structuring that's needed to access the funds, according to Benjamin Gleason, who was the chief financial officer at Groupon LatAm prior to cofounding Brazil-based fintech Kamino.

It's a process Gleason and his three fellow Kamino cofounders have been through before as entrepreneurs and startup execs themselves.

Most often, startups have to set up offshore financial accounts outside of Brazil, which "entails creating a Cayman [Islands] holding company, a Delaware LLC, and then connecting it to a local entity here and also opening US bank accounts for the Cayman entity, which is not trivial from a KYC perspective," said Gleason, who founded open-banking fintech Guiabolso in Sao Paulo. His partner, Gonzalo Parejo, experienced the same toils when he founded insurtech Bidu.

"Pretty much any international investor will usually ask for that," Gleason said, adding that investors typically cite liability issues.

"It's just a massive amount of bureaucracy, complexity, a lot of time from the founders. All of this just to get the money from the investor that wants to supply them the money," he added.

The back-end tech for beauty

Danielle Cohen-Shohet, CEO and founder of GlossGeniusGlossGenius

Danielle Cohen-Shohet might have started as a Goldman Sachs investment analyst, but at her core she was always a coder.

After about three years at Goldman Sachs, Cohen-Shohet left the world of traditional finance to code her way into starting her own company in 2016.

"There was a period of time where I did nothing, but eat, sleep, and code for a few weeks," Cohen-Shohet told Insider.

Her technical edge and knowledge of the point-of-sale payment space led her to launch a software company focused on providing behind-the-scenes tech for beauty and wellness small businesses.

Cohen-Shohet launched GlossGenius in 2017 to provide payments tech for hair stylists, nail technicians, blow-out bars, and other small businesses in the space.

Read the original article on Business Insider

Sun, 10 Jul 2022 12:00:00 -0500 en-US text/html
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