Cogo is a carbon footprint management product that helps individuals and businesses to measure, understand and reduce their impact on the climate. Cogo does this through partnerships with some of the world's largest banks to integrate leading carbon-tracking functionality into their banking apps.

To find out more information about Cogo, please visit cogo.co.

Pitcher
Emma Kisby, CEO, Cogo

Credit Canary is a real-time decisioning platform. Its AI-powered platform triangulates open banking, credit, and tax data to provide unparalleled contextual insight into borrowers, allowing lenders to make smarter decisions throughout the credit lifecycle, from initial application to risk monitoring and proactive borrower engagement.

Pitcher
Jim Fell, Founder and CEO, Credit Canary

Engage Smarter AI's vision is to empower everyone to make smarter financial decisions.

We provide a platform and bench of expert conversational AI agents that financial institutions can plug in or customise to deliver AI-led support and guidance to their customers or firms can use as Copilots to support higher accuracy and productivity of staff. Our Expert AI is a catalyst for financial inclusion and disruption - as well as making good commercial sense for firms by reducing costs by around 80%, driving higher customer engagement and meeting regulatory and Consumer Duty requirements.

Pitcher
Matt Gosden, Founder and CEO, Engage Smarter

Finexos provides enhanced credit analytics to banks and lenders, empowering them to make faster and more accurate credit decisions. Our solution unlocks access to affordable credit for borrowers, whilst simultaneously reducing the risk for the lender.

Powered by state-of-the-art ML, the Finexos risk engine utilises real-time transactional data and behavioural analytics to accurately assess credit risk and identify credit applicants who are currently excluded from the credit market.

Pitcher
Darren Smith, Director, Finexos

Kestrl is The Muslim Money App, helping Muslims to grow their wealth without having to compromise on their religious beliefs. It does this with a software service for Banks looking to better serve Muslim customers, as well as an open-banking enabled consumer app for Muslims in the UK.

Pitcher
Areeb Siddiqui, Founder and CEO, Kestrl

mmob is an embedded finance enabler. Its universal API adaptor enables service providers (from insurance and credit, to payments and lifestyle) to integrate within multiple digital channels (like ecommerce platforms, digital banks and marketplaces) through a single snippet of code. Providers can build a journey once with mmob and embed this multiple times with a fully customised pre-built front end for each partner. Deploy embedded services in two hours with just one junior developer.

Pitcher
Irfan Khan, Founder and CEO, mmob

Streamline and automate your customer verification processes.

Our platform validates customer data and documents swiftly, offering insights in seconds. It easily integrates with existing systems or can be used through our user-friendly dashboard.

Efficient and Automated: Traditional customer onboarding, especially in financial services, often slows down due to manual data verification from various sources. Sikoia addresses this by centralizing and automating data processing, reducing manual intervention, and enhancing decision consistency. This is particularly crucial under new regulations like Consumer Duty, where manual processes increase costs and regulatory risks.

Proven Impact: Our solution has been adopted by a range of UK and international clients, from startups to established companies. Sikoia has consistently halved manual processes and application times, demonstrating our commitment to efficiency and innovation in customer verification.

Pitcher
Alexis Rog, Founder and CEO, Sikoia

Velexa offers B2B investing and trading technology solutions that empower companies to launch investment services, digitise the end-user experience, broaden access to different asset classes, and overcome the constraints of in-house legacy systems. With the goal to make investing available to everyone, Velexa delivers embedded and standalone investing capabilities for institutions varying from incumbent retail and private banks, wealth managers, and brokerages, to Neo-banks and disruptive players.

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Tamara Kostova, CEO, Velexa

When organisations share data, it drives innovation, leads to better decision making, improved services and even fights crime.

The challenge for data protection teams, is that with any sharing of data, comes risk, particularly if that data is sensitive. The old ways of sharing data simply are not good enough anymore.

Verifoxx is re-inventing how organisations share data. We offer a secure-by-default ecosystem for organisations to safely collaborate on data, allowing questions to be asked of data, but without the original data ever leaving its owner. This allows the benefits of data sharing to be realised, without compromising on compliance. We use 3 major Privacy Enhancing Technologies (PETs) as defined by the ICO - Zero Knowledge Proofs, Multi-Party Computation and Trusted Execution Environments - to deliver our solution.

Our advances in next gen cybersecurity are not just in our product but in our research too. Our expertise in security has made us one of a select few of UK companies involved in the leading Digital Security by Design research programme. We are

working together with ARM and the University of Cambridge, on making the future of the UK's computing infrastructure more secure. Verifoxx. Re-inventing how data gets shared.

Pitcher
Roisin McCarthy, Founder and CEO, Verifoxx