PITCH BOOK - Stone and Chalk · PDF file5 STONE & CHALK TEAM Dan Balcaban Nathalie Jones...

PITCH BOOK JANUARY 2017

WELCOME

OUR PARTNERS

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Stone & Chalk is the largest fintech hub in Asia and is already the “centre of gravity” for fintech in Australia. As a not for profit organisation, Stone & Chalk takes no equity in the startups it supports and is therefore a truly independent and trusted partner for all stakeholders. Grounded on a “give first” philosophy, Stone & Chalk has attracted corporate membership from 21 large Australian and global corporates and governments.

Our proposition is focused on helping startups to commercialise and to scale through collaboration with large organisations around the world. After just eighteen months of operations, S&C now houses over 300 entrepreneurs working in over 60 fintech startups that have already collectively raised over AU$101 million in funding and employed an additional 50 people. However, the true measure of success at S&C is not the amount of startups and partners involved, it is the quality of these startups and partnerships that truly define our unique proposition.

All our resident fintech startups are of high growth potential and must first pass through our selection process before being accepted as resident members. Our resident startups represent a wide range of different disruptive and innovative fintech categories including smarter faster machines, new market platforms, investment management, payments, alternative banking, market based lending, e-KYC, insurance, equity crowdfunding; data sharing frameworks, IoT/wearables, distributed/consensus ledger platforms and cyber security.

STONE & CHALK LEADERSHIP TEAM

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Alex Scandurra, CEO As CEO of Stone & Chalk I’ve got the best job in the world. I get to work with our Board in setting our strategy and vision and also work alongside my incredibly dedicated team to make it all a reality. By far the best part of what I do is helping our high growth potential startups commercialise and scale, and helping our corporate and government partners to transform and collaborate. I’m passionate about increasing the number of female founders in fintech, and helping startups through our Investor & Mentor Program.

Annie Le Cavalier, Head of CommunityAs the Community and Events Manager, I’m passionate about making sure our community is humming and that residents are getting significant value from being here. I look for ways to connect our startups to opportunities that will help them thrive. My team looks after everything from working with our corporate partners to leverage their networks and expertise, engineering a successful mentor and investor program, delivering a vibrant suite of events, and pumping all of this activity out through our social and other channels.

Chris Kirk, Ecosystem EngineerAs the Ecosystem Engineer, it’s my job to run the day-to-day operations of the hub, manage our financials and implement strategic projects. Keeping the engine room running is a massive job, and my awesome team manage everything from delivering amazing experiences for our residents, to facilitating meaningful interactions amongst our partners, vendors and the wider community. The best thing about my job? That we are literally building the car as we are driving.

Andrew Purchas, Head of Innovation & Collaboration As Head of Innovation and Collaboration I am working with our corporate partners to assist unlocking their innovation and collaboration potential. Whether it is working with their internal teams to more effectively develop solutions and opportunities or scanning the market to assist them become more competitive, we are here to assist. We have developed a number of cutting edge programs to assist corporate Australia effectively engage with the startup community and embrace the fast moving and ever changing fintech ecosystem.

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STONE & CHALK TEAM

Dan Balcaban Member Experience Coordinator Operations Team

Chelsea Love Community Cultivator and Resident Engagement Specialist Community Team

Rebeka Selmeczki Team and Project Coordinator Office of the CEO

Rita Yates Project Manager: Mentor & Corporate Partnerships Community Team

Nathalie Jones Digital Media and Communications Coordinator Community Team

Lisa Deng Project Manager: Digital and Design Operations Team

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CONTENTS

Adviser Ratings 9

Ambassador.ML 10

Basiq I/O 11

Brighte 12

Calibre Financial Technology 13

CapitalPitch 14

Cloud Insurance 15

Cloudcase Pty Ltd 16

Cover Genius 17

CPDone 18

Crowd Money 19

Data Republic 20

DSYNC 21

Edstart 22

Factor 23

Financial Crimes Solutions 24

Flamingo 25

Full Profile 26

FundX 27

fusesport 28

Ganemo Group 29

INAMO 30

iungo.co 31

Macrovue 32

Mafematica 33

Mainframe Cloud 34

Metamako 35

NexPay Pty Ltd 36

OneCheck 37

Open Orbit 38

PayNow FinTech 39

Payreq Pty Ltd 40

PlanDo 41

Plexus Analytics 42

QuietGrowth 43

SimpleKYC 44

Smart Transfer 45

Spotcap 46

Spriggy 47

Tappr 48

Tapview 49

Trade Ledger 50

Valiant 51

WordFlow 52

FULL TIME STARTUPS

FOR ALL NEWS AND OPPORTUNITIES VISIT:

@stoneandchalk and #stoneandchalk

www.facebook.com/stoneandchalk

www.linkedin.com/company/stone-&-chalk

www.stoneandchalk.com.au

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PART TIME STARTUPS

COMMUNITY PARTNERSHIPS

ADAPT Ideations Pty Ltd 54

ABA Technology 54

Investfit 55

Moroku 55

PRIMEiD 56

Threat Intelligence 56

AsiaRecon 58

H2 Ventures 58

Heads Over Heels 59

Jelix Ventures 59

Reinventure 60

Spark Australia 60

STONE & CHALK RESIDENTS

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WHAT DO THEY DO?

LENDING

DAT

A &

IDEN

TITY

HOW HAVE WE DEPICTED STAFF SIZE?

INFRASTRUCTURE

& PLATFORMS

SEED / VC

INSURANCE

WEALTH MANAGEMENT

1-2 full-time employees



11+ full-time employees

PAYM

ENTS

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WHAT IS YOUR VALUE PROPOSITION?We provide a platform for customers to connect with financial advisers, both human and robo. We are independently owned and the only place in the market that captures all financial advisers in Australia and ranks them based on customer reviews and other criteria. We empower Australians by providing them with independent knowledge on money matters and then match them with advisers based on their demographics and wealth attributes.

WHAT PROBLEM ARE YOU SOLVING?Mistrust of the advice industry has caused more than 80% of Australians to try and manage their finances themselves, despite the fact that Australians are $90,000 better off seeing an adviser. We are building a level of trust in advice by providing an easy to use and transparent online platform driven by crowdsourced reviews and data to help match Australians with good advisers. More than $2trillion of Australian wealth is currently “unadvised”; Adviser Ratings now provides a platform that empowers consumers to go somewhere for advice.

WEBSITE.www.adviserratings.com.au

FOUNDED:

March 2014

STAFF SIZE:

IN SHORT:

We manage an online marketplace of financial

advisers, who are rated and reviewed by their

customers.

KEY MEMBERS:

Jaime Brands David Koch

Duc Tran Angus Woods

Christopher Zinn

FINTECH CATEGORY:Wealth Management

Financial Advice

GROWTH PHASE: Scaling Locally

FUNDING STAGE: Series A Funding

($1m - $5m)

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WHAT IS YOUR VALUE PROPOSITION?Our mission is to bring Artificial Intelligence into everyday financial decision making. Ambassador will replace expensive financial advice with easy to deal with AI personality. This AI personality, Ambi, will research and recommend options analysing various sources of information and understanding personal needs through combining machine learning and behavioural economics. We focus on millennials as this is largest demographic who are tech savvy and potentially more adaptable to paradigm shift in advice business. We also see millinials as a bridge to other generations, younger and older. Millenial as a child or grand-child can help educate older generations to come on-board with new technology. Millenials as parents will upring the next generation of people who are financially educated through technology for the better.

WHAT PROBLEM ARE YOU SOLVING?Today, financial advisory is expensive, cumbersome to deal with and not transparent. I founded Ambassador for millennial customers like me who don’t have tools available to assess potential investment in early stage technology companies. Investing in property market continues to become out of reach for many millenials and investing in technology start-ups is a risky asset class in itself. There is little or no tools available today to evaluate and analyse vast amount of information sources and get a recommendation online. Ambassador will provide a set of capabilities through this machine learning platform to help drive decision making process easier.

WEBSITE.www.ambassadorml.net

FOUNDED:

April 2016

STAFF SIZE:

IN SHORT:

We provide financial advice to millenial customers who

are interested in investing in technology startups

through a machine-learning platform.

KEY MEMBERS:

Shamima Sultana


Trading

GROWTH PHASE: Concept

FUNDING STAGE: Bootstrapping

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WHAT IS YOUR VALUE PROPOSITION?We empower software developers around the world with the APIs and tools they need to create disruptive financial solutions. Our APIs enable developers to securely connect with hundreds of financial institutions in real-time to acquire customer authorised financial data. Software developers can use this data to implement innovative financial solutions that can assess customer’s financial liabilities in real-time, help make better investment decisions through robo-advice services and assist customer’s with better financial management.

WHAT PROBLEM ARE YOU SOLVING?The inability to acquire customer financial data with ease stifles innovation and locks consumers into interacting with their finances via controlled channels. By enabling consumers to share their financial data with trusted applications, they can leverage the power of software to interact with their finances in new and innovative ways.

WEBSITE.http://basiq.io

FOUNDED:

March 2016

STAFF SIZE:

IN SHORT:

Basiq enables consumers to securely share their

financial data with third-party financial applications

and services.

KEY MEMBERS:

Damir Cuca

FINTECH CATEGORY:Data & Identity

Bank Feeds

GROWTH PHASE: Launch


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WHAT IS YOUR VALUE PROPOSITION?Brighte is a revolving digital credit platform that allows energy and home improvement vendors to provide ‘interest free’ point of sale finance to their customers.

WHAT PROBLEM ARE YOU SOLVING?Vendors need a fast, affordable and easy payment solution, particularly for larger purchases in the energy and home improvements sectors. Brighte’s digital credit platform allows vendors to submit a consumer credit application in a few minutes and also provides a instant credit outcome. Brighte helps vendors convert customers into sales.

WEBSITE www.brighte.com.au

FOUNDED:

November 2015

STAFF SIZE:

IN SHORT:

Brighte provides consumers and vendors

with affordable and easy payment solutions.

KEY MEMBERS:

Katherine McConnell

FINTECH CATEGORY:Payments

Point-of-sale


FUNDING STAGE: Seed Funding

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WHAT IS YOUR VALUE PROPOSITION?Calibre’s strengthens the client’s unique investment process by plugging all key information into customisable visualisations. This increases focus and information leverage and leads to greater investment performance over time. Our fully integrated equity research platform captures collaboration with external research provides and companies, increasing productivity and information quality, two key factors that drive competitive advantage. Our SAAS platform is shrink-wrapped but highly customisable. An asset manager can begin using our system quickly, avoiding in-house development and the associated high cost and timeframes.

WHAT PROBLEM ARE YOU SOLVING?Asset Managers need to develop and enable a differentiated investment process within their teams. Faced with a deluge of external ideas and data, they struggle to set a research agenda that avoids following the crowd. However, future investment performance relies on doing just that. Furthermore, their clients need to understand how their process generates outperformance and be convinced it really works in practise. Volatile investment markets make the need to focus on process even more important and there is no system in the market that addresses these needs.

WEBSITE www.calibreFT.com

FOUNDED:

January 2000

STAFF SIZE:

IN SHORT:

Calibre allows asset management CIOs to easily

strengthen and explain their unique investment

process.

KEY MEMBERS:

Sabine Bye Martin Duggan David Snowsill


Institutional Asset Management


FUNDING STAGE: Series A Funding ($1M - $5M)

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WHAT IS YOUR VALUE PROPOSITION?We use advanced technology to combine an investment accelerator, venture capital and equity funding platform. We believe startup investing shouldn’t be so hard. Entrepreneurs solve the world’s biggest problems, so it’s madness 97.3% of startups fail at fundraising. CapitalPitch is a platform to optimise investment in startups, built by a passionate tribe of serial entrepreneurs, technologists, investors and capital raising experts. WHAT PROBLEM ARE YOU SOLVING?Entrepreneurs solve the world’s biggest problems but lack of access to capital is killing them. We believe sophisticated, accredited & professional investors should more easily be able to invest in the future of job creation & innovation. Our goal is to make investing in emerging high growth companies a recognised asset class.

WEBSITE https://capitalpitch.com/

FOUNDED:

August 2014

STAFF SIZE:

IN SHORT:

We provide a platform to optimise investment in

startups.

KEY MEMBERS:

Jeremy Liddle Emlyn Scott

FINTECH CATEGORY:Equity Finance

Investment Accelerator and Venture Capital



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WHAT IS YOUR VALUE PROPOSITION?Cloud Insurance has social advocacy in mind. We help you manage the countless data access points and privacy exposures via a comprehensive rights approach for your digital identity by:

• Assisting individuals to better manage their data access Opt In and Opt Out options.

• Driving compliance and consent management efficiencies for data holders and risk controllers.

• Reducing potential cyber threats, data misuse, reputational exposures and data breaches.

• Providing data commodity opportunities for individuals.

WHAT PROBLEM ARE YOU SOLVING?The real cause around public concern is the fact that so many organisations want to collect Personally Identifiable Information (PII) data. By developing Privacy Enhancing Technology for the connected society we assist with the interplay, security and ownership of your important digital identity asset. Via out product called Opt Out we automate and simplify legal and compliance processes around access permissions or de-identification, putting the user back in control of their data.

WEBSITE www.cloudinsurance.com.au

FOUNDED:

August 2015

STAFF SIZE:

IN SHORT:

We enable comprehensive data rights for your digital

identity.

KEY MEMBERS:

Joanne Cooper


Comprehensive Data Rights



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FOUNDED:

August 2015

STAFF SIZE:

IN SHORT:

Cloudcase facilitates the complete financial product

origination value chain through any channel by bringing together

robotic forms, workflow and automated business decisioning into a single

product.

KEY MEMBERS:

Jim Drainas Rian Fergusson

Roger Manu John Neromiliotis

FINTECH CATEGORY:Lending

End-to-end Deposit and Loan Originations

GROWTH PHASE: Scaling Globally


WHAT IS YOUR VALUE PROPOSITION?Cloudcase is a unique in-market product that empowers financial institutions to compete with new market entrants and innovative incumbents. Cloudcase can originate any product on any channel using any device via a single platform. This, coupled with an industry specific purposed iBPMS and case management capability, enables financial institutions to completely revolutionise their origination and fulfilment value chain from the customer to the core.

WHAT PROBLEM ARE YOU SOLVING?Currently financial institutions use multiple systems to achieve an end to end origination process. This decelerates the path to settlement, restricting growth and revenue. Cloudcase is a multi-product, multi-channel origination system, enabling financial institutions to maximise efficiency, increase revenue and reduce costs. This empowers financial institutions to compete with new market entrants and innovative incumbents by offering customers automated approval across any product, through any channel, on any device.

WEBSITE www.cloudcase.net

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FOUNDED:

April 2014

STAFF SIZE:

IN SHORT:

We enable global ecommerce companies

to sell insurance to their global audience from a

global technology platform.

KEY MEMBERS:

Chris Bayley Angus McDonald

FINTECH CATEGORY:Insurance

Travel Insurance



WHAT IS YOUR VALUE PROPOSITION?Cover Genius is a global distributor of unbundled travel insurance and contractors insurance for global ecommerce sites. It is one of the fastest growing Insurtech startups globally and has picked up several international awards within the Insurtech industry. Cover Genius was founded by former leaders from Google and Yahoo. Cover Genius patented platform uses a Quantum Physics inspired retail pricing model to optimize yield for its global partners. Those partners include the Priceline Group and dozens of low cost airlines. Cover Genius is a full stack startup that controls all components of the value chain including UI and multivariate testing, policy administration, licensing, communications, pricing and claims.

WHAT PROBLEM ARE YOU SOLVING?We are resolving the problem of underinsurance for travellers, 90% of whom refuse to take travel insurance when it is presented at the point of sale of an online travel booking. The issue exists because global underwriters lack technology platforms that can scale policy distribution for a global audience. Also the policies sold never address the specific needs of individual customers. Our platform resolves the first issue and applies patented AI and Machine Learning technology to dynamically customize and price insurance policies to ensure that the policy offered is appropriate to the user’s interests and risk profile. WEBSITE www.covergenius.biz

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FOUNDED:

December 2011

STAFF SIZE:

IN SHORT:

We’re here to improve your compliance, engagement

and people development.

KEY MEMBERS:

Andrew Hinde Richard Neilan

FINTECH CATEGORY:Infrastructure & PlatformsCompliance and Learning



WHAT IS YOUR VALUE PROPOSITION?The cost of non-compliance is the highest risk a business or individual can face, yet organisations are still struggling to manage this risk. CPDone builds a more compliant workforce by providing clients with a platform that allows you to manage the compliance of your people as well as giving you easy access to engaging content. The management of compliance and professional development is broken and we are on a mission to fix it.

WHAT PROBLEM ARE YOU SOLVING?Our dynamic cloud based platform gives forward looking insight to drive the whole of organisation business information outcomes, form the board to the front line. CPDone combines visibility, connectivity, mobility and automation that is powered by quality content. We provide an effective and sustainable solution to answer the continual compliance question of ‘how do I know’.

WEBSITE http://www.cpdone.com/

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FOUNDED:

July 2015

STAFF SIZE:

IN SHORT:

We offer 100% home loans to high income professional

borrowers to purchase owner occupied property.

KEY MEMBERS:

Tony Harris


Home Loans/Mortgages


FUNDING STAGE: Not presently seeking external

funding

WHAT IS YOUR VALUE PROPOSITION?To assist professional credit worthy borrowers purchase property without the necessary deposit and to avoid lenders mortgage insurance. There is not a product available that allows borrowers this option. The rent that these borrowers are paying will equate to the mortgage repayments.

WHAT PROBLEM ARE YOU SOLVING?More and more 1st home buyers are unable to purchase property, as they can not save enough of a deposit, and fast enough, to keep up with the ever increasing property prices. They are sick of paying rent ‘dead money’ and are totally at the whim of landlords for tenure in the property, usually 6-12 months.

WEBSITE www.crowdmoney.com

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FOUNDED:

August 2014

STAFF SIZE:

IN SHORT:

Data Republic is a technology platform

and marketplace where organisations can list,

exchange and collaborate on data projects in a secure

environment.

KEY MEMBERS:

Paul McCarney Danny Gilligan


Data Exchange Technology


FUNDING STAGE: Series B Funding ($5M - $20M)

WHAT IS YOUR VALUE PROPOSITION?Founded in 2014, Data Republic provides the secure technology and world-first legal framework for organisations to securely access and exchange data in way which manages organisational risk and puts consumer expectations first. Exchanges are conducted on The Open Data Marketplace, a central governance platform and secure marketplace for Data Republic’s Contributors and users to discover, request and effectively govern data exchange projects with authorised parties. No customer personal information (PII) is available on the platform and all exchanges are strictly governed on legal and ethical bases and subject to Data Republic’s Legal Participation Agreement.

WHAT PROBLEM ARE YOU SOLVING?At Data Republic, we’re committed to building technology and infrastructure which makes data exchange secure, simple and accessible for data professionals. Our private by design ecosystem ensures that no personally identifiable information is exchanged and allows participating companies to manage the governance, legal agreements and privacy compliance of data exchange. We remove risks to exchanging data to help our users accelerate time to value.

WEBSITE www.datarepublic.io

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FOUNDED:

June 2015

STAFF SIZE:

IN SHORT:

DSYNC have built a data synchronization platform

that connects disparate systems.

KEY MEMBERS:

Rebecca Church Simon Church Ryan Griffiths Martin Novak

FINTECH CATEGORY:Infrastructure & PlatformsData Integration Platform



WHAT IS YOUR VALUE PROPOSITION?Our platform provides the ability to synchronize systems by processing high volumes of data. The application has a strong competitive advantage with the ability to connect and transform data between “any” interactive system with no programming skills required. The management team have secured strong partnership agreements from some of the world’s largest software companies. In 2016 DSYNC was named by the American National Retail Federation as one of the top 24 startups to disrupt the market. Selected by KPMG for mLabs DSYNC is currently working with banking institutions who have disparate systems.

WHAT PROBLEM ARE YOU SOLVING?Each year companies spend 500 billion dollars integrating systems. Disjointed and fragmented systems are a common challenge faced by organizations as business software is built in different programming languages. The high cost of system integrators and the time to integrate prevents many companies from making their systems interact seamlessly. Many businesses face challenges with legacy and on premise systems not communicating effectively. Not integrating systems results in manual entry and poor visibility across organisations.

WEBSITE https://www.dsync.com

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FOUNDED:

July 2015

STAFF SIZE:

IN SHORT:

Edstart is simply a better way to pay for education.

KEY MEMBERS:

Jonas Hallerby Jack Stevens


Consumer Lending

GROWTH PHASE: Pilot


WHAT IS YOUR VALUE PROPOSITION?Edstart is a financing solution to help people pay their education fees. We believe an investment in education should be simple, convenient and low-cost. For borrowers, we offer an individually tailored loan product incorporating both current and projected education costs, accessed via our simple online application process. For investors, we offer access to a high quality fixed income investment return whilst also making a positive social impact. This highly efficient, transparent, low-cost platform facilitates better outcomes for students, investors and educational institutions.

WHAT PROBLEM ARE YOU SOLVING?Cost can be a barrier to education in many different sectors and geographies around the world. However, while other segments of the consumer finance sector have boomed, there are limited financial products available to support the funding of one of the world’s greatest investments: education. In our initial market (various Australian private education sectors) students or parents often suffer a significant cash flow crunch to pay for education fees. We use our lending platform to provide a customised financing solution for this problem to deliver better outcomes for all.

WEBSITE edstart.com.au

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FOUNDED:

June 2015

STAFF SIZE:

IN SHORT:

Factor is a next-generation risk-model deployment

platform, allowing banks and insurance companies

to implement next-generation risk models.

KEY MEMBERS:

Paul Reynolds


Risk Data Analytics

GROWTH PHASE: Pilot


funding

WHAT IS YOUR VALUE PROPOSITION?The Factor platform is built by leading data scientists to deliver cutting edge mathematical science, providing banks and insurance companies with the ability to convert their data assets into next-generation risk models. As companies invest in data science teams to exploit their data assets, the Factor platform provides the capability to develop and deploy next-generation risk models including real-time decision engine, machine-learning, open-source development tools, network-data management, time sensitive data management and multi-source data cleaning. Factor stays ahead of the game to ensure our clients keep ahead of their competition. WHAT PROBLEM ARE YOU SOLVING?Banks and insurance companies have invested heavily in transforming their data assets and building data science teams, however they now face the big hurdle of understanding the opportunities given the vast amount of data. Delivering next generation risk-models requires a platform to explore, experiment and scale. Factor provides data scientists with cutting edge mathematical science capabilities, provided through an agile platform-as-a-service that can be deployed for a one month exploratory project, a six month experiment, or a long term product that scales. WEBSITE www.factfin.com

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FOUNDED:

January 2013

STAFF SIZE:

IN SHORT:

We provide audit and risk management software.

KEY MEMBERS:

Anthony Quinn

FINTECH CATEGORY:Regulation TechnologyRisk Management and

Compliance



WHAT IS YOUR VALUE PROPOSITION?Financial Crimes Solutions provides affordable and easy-to-use audit and risk management solutions for regulated businesses regardless of their size, industry sector or geographic location.

WHAT PROBLEM ARE YOU SOLVING?There are millions of regulated businesses across a diverse range of industry sectors and over 200 countries that have to comply with financial crime and other laws and until now the vast majority have not had access to cost-effective domain expertise or enabling audit and risk management technology to ensure compliance with laws. We are assisting the public and private sector to achieve a higher standard of compliance.

WEBSITE http://www.financialcrimessolutions.com/ http://arctic-intelligence.com/

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FOUNDED:

December 2013

STAFF SIZE:

IN SHORT:

Flamingo is SaaS company who provide

Intelligent Guided Selling platforms to improve

online sales conversion rates of Financial Services

Companies.

KEY MEMBERS:

Dr Catriona Wallace Joe Waller

FINTECH CATEGORY:Infrastructure & PlatformsArtificial Intelligence and

Conversational Commerce



funding

WHAT IS YOUR VALUE PROPOSITION?Flamingo provides a Cognitive Virtual Assistant (CVA) that financial services companies use to improve online sales conversion rates. The platform is used on a continuum from Human2Human, HAVA (Human Assisted Virtual Assistant) to Full Automated (Intelligent Assistant) modes. We target a 100% improvement on sales conversion rates, a 30% reduction in headcount through automation and a significant lift in Net Promoter Score.

WHAT PROBLEM ARE YOU SOLVING?We solve three significant problems:

1. Low online sales conversion rates for the financial services industry. Use Cases include Auto Insurance quotation to payments, Retirement product sales, Superannuation product sales, Wealth management product sales, and Insurance sales.

2. High cost of human resources in the sales and customer care processes through automation of the customer experience.

3. Poor on-boarding experiences for end-customers.

WEBSITE www.flamingo.io

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FOUNDED:

October 2015

STAFF SIZE:

IN SHORT:

We develop software and financial solutions

that bring transparency, efficiency and trust to agri-

commodity supply chain management and we are

building out the agri-supply chain on a blockchain.

KEY MEMBERS:

Bob McKay Ben Reid

Emma Weston

FINTECH CATEGORY:Infrastructure & Platforms

Agriculture supply chain and commodity management



WHAT IS YOUR VALUE PROPOSITION?Our users span the commodity supply chain, including farmers, buyers, brokers, traders, banks, research agencies, and government bodies. Though all parties benefit from our settlement solutions, agridigital has both SaaS and distributed ledger solutions for each of these users and their unique challenges. With agridigital: farmers can get paid immediately removing counterparty risk, buyers save time and money and can access flexible finance, banks and other financiers de-risk supply chain financing through our asset-backed model with real-time transaction analysis and mark to market reporting, and consumers have paddock to plate transparency to know where their food comes from.

WHAT PROBLEM ARE YOU SOLVING?We solve 3 big, global agri-supply chain problems:

1. Farmers do not get paid for what they deliver when they deliver exposing them to needless counterparty risk

2. Buyers cannot get the supply chain finance they need to pay sellers on delivery thereby creating risk through delayed settlement

3. Consumers don’t know where their food comes from, how it was produced, processed and transported and whether not this aligns with their values.

WEBSITE www.fullprofile.com.au

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FOUNDED:

December 2013

STAFF SIZE:

IN SHORT:

FundX provides funding to SMEs based on the value of their outstanding invoices.

KEY MEMBERS:

David Jackson




WHAT IS YOUR VALUE PROPOSITION?Existing invoice discounting finance products are over complicated, over compensated and over secured. FundX offers an alternative which is straightforward, appropriately priced for risk, and secured only on business assets where necessary. For these reasons the FundX product will quickly gain traction, and earn strong risk adjusted returns as a result of its sophisticated, forward-looking credit assessment methodology.

WHAT PROBLEM ARE YOU SOLVING?90% of small business failures are caused by poor cashflow, in many instances arising from debtor invoice payment terms of 60 days or more. Existing finance sources are slow and difficult to set up, often requiring personal real estate as security. Many SMEs are unable to obtain finance due to arbitrary credit policies such as less than 2 years in business, turnover under $250,000, loan amounts less than $200,000.

WEBSITE www.fundx.com.au

FOUNDED:

January 2012

STAFF SIZE:

IN SHORT:

Fusesport is the operating system for the events

industry, with a core of payments , CRM, and

communications.

KEY MEMBERS:

Chris Clark




WHAT IS YOUR VALUE PROPOSITION?Fusesport provides a curated collection of its own and third party tools, that help manage and grow events. Our model is transactional, currently processing $10M’s payments each year. We’re solving the way event organisers leverage the significant financial impact of events and creating new monetisation opportunities for all.

WHAT PROBLEM ARE YOU SOLVING?The business of managing events is huge, yet also highly unstructured. Organisers typically have limited time, yet create significant direct/indirect economic impact through their events - some with up to $100M’s of financial impact and payment transaction flow. They crave automation for efficiency and marketing assistance for growth. Tools exist in the market to help, but work poorly together requiring event organisers to be IT experts on top of everything else. What they need is a platform that brings everything together in one easy solution - that’s where fusesport comes in.

WEBSITE www.fusesport.com

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FOUNDED:

August 2014

STAFF SIZE:

IN SHORT:

We build platforms including web and mobile. and are now working on a

few of our own products.

KEY MEMBERS:

Abhinov Gulati Simran Gambhir


Farming Financial Modeling, Crowd Funding, Online Health Platform



funding

WHAT IS YOUR VALUE PROPOSITION?We are highly skilled in building platforms and helping bootstrap startups, while also working on innovation agendas for large corporates. We are completely local so communication, speed and accuracy of our solutions are top notch.

WHAT PROBLEM ARE YOU SOLVING?We provide local development and IT guidance for startups. We can build out the full stack of platform, web, iOS, Android, to launch or accelerate startups.

WEBSITE https://www.ganemogroup.com

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FOUNDED:

January 2016

STAFF SIZE:

IN SHORT:

INAMO is moving your wallet to one wearable -

the CURL.

KEY MEMBERS:

Peter Colbert

FINTECH CATEGORY:PaymentsWearables



WHAT IS YOUR VALUE PROPOSITION?The INAMO Platform delivers a wearable with true utility. The INAMO CURL. Consumer can make contactless payments, access to their office or gym, ticketing, loyalty and it’s fully waterproof. There is no customization to the merchants point of sale or transport system. The Inamo CURL fits onto most watches and fitness bands. Works just like your credit, debit or prepaid card – you can trust it to work anywhere where Visa payWave is accepted globally.

WHAT PROBLEM ARE YOU SOLVING?The Inamo CURL provides the consumer with the freedom, convenience and peace of mind when making contactless payments without having to lug their wallet or mobile phone around when going out for a run, swim, paddle or cycle.

WEBSITE www.inamo.com

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FOUNDED:

March 2015

STAFF SIZE:

IN SHORT:

We provide a data and analytics platform for

Connected Cars.

KEY MEMBERS:

Roy Cooke

FINTECH CATEGORY:Insurance

Auto-insurance

GROWTH PHASE: Pilot


WHAT IS YOUR VALUE PROPOSITION?iungo’s technology extracts data from your car’s computer and then curates, enriches and analyses this data to provide a smarter, cleaner, cheaper and safer driving experience. Our technology uses machine learning algorithms, geospatial mapping and data enrichment to provide actionable insights not only for existing players such as insurers, road side assistance, fuel retailers, new and used car dealers, repairs, parking and servicing but also for new sectors such as car/ride sharing. Our core value proposition is to deliver tangible benefits to the driver by enabling an ecosystem of data enabled connected car services.

WHAT PROBLEM ARE YOU SOLVING?Cars have had powerful computers in them for years, generating tons of valuable data, but unfortunately, we cannot access this data for our daily use. While some of the newer cars do have some connected services, these services are limited, expensive and only provided by some car manufacturers. By connecting the car’s computer to the cloud, we can now use this data to provide usage based insurance, smart road side assistance and remote diagnostics. We also make our roads safer and cleaner by enabling remote crash detection, parental controls, enhanced driving performance and a lower carbon footprint.

WEBSITE iungo.co

32

FOUNDED:

June 2014

STAFF SIZE:

IN SHORT:

Macrovue is the world’s first global thematic investment

brokerage that provides a hassle-free solution to international investing.

KEY MEMBERS:

Dev Sinha Sid Sahgal


Online Investment



WHAT IS YOUR VALUE PROPOSITION?Macrovue makes it easy to invest in international shares. Put simply, we do all the work for the investor. We create ready-to-invest thematic portfolios of shares called Vues so global trends can be turned into tangible investments at the click of a button. Our integrated solution enables investors and advisers to access more than 20,000 equities and ETFs from 18 global exchanges without the complexity, time, and costs associated with international investing. Investors can choose from our thematic ready-to-invest portfolios, create their own, or invest in single stocks – all with one-click actions. Advisers can manage multiple accounts on one single integrated platform that features paperless client on-boarding, brand customisation, powerful performance tracking, tax reporting, and simplified FX conversion.

WHAT PROBLEM ARE YOU SOLVING?Only 0.4% of the $550 billion in SMSF assets are invested directly in international shares. There are three underlying reasons; unfamiliarity with global stocks and ETFs, the complexities of foreign transactions, and the high cost associated with foreign investment. Macrovue’s integrated investment solution removes these barriers by providing portfolios of carefully researched stocks and a simple and affordable way to access and invest in these portfolios as well as single stocks.

WEBSITE www.macrovue.com.au

33

FOUNDED:

December 2014

STAFF SIZE:

IN SHORT:

We help savers and superannuation fund members - especially

SMSFs - by offering investment portfolios that

maximise their savings and retirement drawdowns

by giving them choices, analytics, online educative material and transactions

capabilities.

KEY MEMBERS:

Derek Condell David Price


Funding Plans

GROWTH PHASE: Pilot


WHAT IS YOUR VALUE PROPOSITION?We will provide a solution to both financial intermediaries and the end-user who is saving for retirement and other life goals such as funding for a child’s later education. All without the hassles of personal profiling questions. Mafematica will provide a financial literacy pathway and tools to help savers get on track and stay on track. On the web or via an ‘app’, real time results will be available. We will offer easily accessible and visible investment packages to advisors, savers and superannuation fund members that can be finessed for maximum savings or retirement income estimates, and we will offer transactions capabilities via a choice of brokers. All at a very low cost.

WHAT PROBLEM ARE YOU SOLVING?People need assistance in their financial planning, particularly in their plans to maintain a retirement lifestyle. They do not always know who or what to ask. Mafematica provides answers and tools to get this done and gives savers and superannuation members confidence to do investment transactions. We are not aware of any real-time automated advice retail retirement planning tools that estimate retirement drawdowns based on actual investments; non bank-deposit education funding plans designed for periods such as 7, 10, or 15 years or longer; or providers of retail lists of investments including shares - with transactions capabilities - that people can invest in and be confident of meeting their goals.

WEBSITE mafematica.com.au

34

FOUNDED:

February 2015

STAFF SIZE:

IN SHORT:

Mainframe Cloud enables Agile DevOps for the

mainframe. Applications can be developed for the mainframe in web code.

KEY MEMBERS:

Frank Fera Ben Pearson


Enterprise Software



WHAT IS YOUR VALUE PROPOSITION?Our platform allows businesses to develop, install and deploy mainframe applications quickly, at minimal cost and with minimal risk. Our patented ‘no install’ technology allows applications to interact with the mainframe without being installed on the mainframe. This reduces the demand on mainframe resources and provides for real-time data analyses.

WHAT PROBLEM ARE YOU SOLVING?Development of mainframe applications is regarded slow, cumbersome and expensive. It requires the skills of specialist programmers, coding in obsolete languages. Our solution addresses these issues by allowing applications to be developed for the mainframe in web code. Developers need not have any previous experience with the mainframe. Our ‘no install’ solution means that first time users can be up and running on the mainframe in a matter of minutes.

WEBSITE www.mainframecloud.com

35

FOUNDED:

May 2013

STAFF SIZE:

IN SHORT:

Metamako is a computer network solutions

company.

KEY MEMBERS:

David Snowdon Scott Newham

Charles Thomas


Financial Trading



WHAT IS YOUR VALUE PROPOSITION?Metamako devices are designed from the ground up to meet the requirements of finance firms such as traders, brokers, banks and exchanges. These firms have specific requirements around latency, timestamping accuracy and predictable behaviour, and conventional one-size-fits-all solutions just don’t work. Metamako devices have the lowest latency, so they improve firms’ trading performance and also reduce the cost and complexity of a network, provide accurate packet monitoring for compliance, auditing and security.

WHAT PROBLEM ARE YOU SOLVING?Finance firms have specific network requirements that can only be solved by a targeted solution. Cloud and enterprise customers are concerned with how many web pages per second can be served. Traders care about knowing that each transaction is served as quickly as possible. Those two goals are at fundamental odds, and Metamako builds the devices which solve that problem by optimising the internal architecture of our devices towards the problems faced in finance, rather than other verticals.

WEBSITE www.metamako.com

36

FOUNDED:

October 2012

STAFF SIZE:

IN SHORT:

We provide savings, simplicity and speed on

international student payments.

KEY MEMBERS:

Paul Stokes


International Student Payments



WHAT IS YOUR VALUE PROPOSITION?We help international students make payments in a simple and easy fashion. We enable education agents to process their enrolments faster and we help students through this process. We give schools the perfect payments solution, avoiding bank fees and missed payments.

WHAT PROBLEM ARE YOU SOLVING?There are over 5 millions international students around the world. Each of them need to pay their tuition, accommodation and insurance fees before they can arrive in the country of choice. Australia is the number 3 destination in the world with over 600,000 international students. Even with today’s modern banking systems, making overseas payments is still time consuming, complicated and expensive. Nexpay, focusing on the agent who influences over 70% of the $21 billion in international payments, provides Savings, Simplicity and Speed for the student, agent and education institution supporting funds transfer, credit cards and many in-country special payment methods.

WEBSITE www.nexpay.com.au

37

FOUNDED:

August 2011

STAFF SIZE:

IN SHORT:

OneCheck provides a customer-facing mobile

solution to Digital Identity Proofing.

KEY MEMBERS:

Stephen Ryan

FINTECH CATEGORY:Data & IdentityMobile Identity

GROWTH PHASE: Pilot


WHAT IS YOUR VALUE PROPOSITION?Our app captures digital photos of ID Documents, converts them to text using the best OCR technology available, and verifies them against known databases. We also do a bunch of other stuff, like capture GPS location, record a scripted video of the individual (using our patent pending SVVI technology), do face matching between a selfie and the ID, link that ID to other biometric markers (like finger prints) - and provide a package of digital information that says that a person, at a certain location, is who they say they are! It’s awesome!

WHAT PROBLEM ARE YOU SOLVING?The question of identity is central to establishing the confidence that is needed to facilitate a range of on-line transactions. Traditional approaches to managing identities online (using paper, in-person verification, or other non-digital means) are expensive, inefficient, and subject to fraud. And as users bemoan the identity processes required for account openings, loan/credit card applications, equipment hire, property transactions, passport applications, etc, it is logical that these processes should be simpler, should be mobile, and should have to be done just once. Hence, OneCheck!

WEBSITE www.onecheck.com.au

38

FOUNDED:

January 2015

STAFF SIZE:

IN SHORT:

Open Orbit is a diagnostic platform that helps make your business nimble and

easy to work with.

KEY MEMBERS:

Niranjan Deodhar


Business Process Optimisation



WHAT IS YOUR VALUE PROPOSITION?Depending on the level of business transformation expertise within the organisation, Open Orbit can drastically reduce project costs and the time taken to drive sustainable change in business operations by 25% to 50%. Benefits of this magnitude are thanks to Open Orbit’s innovative algorithm, which guides users to focus on the things that truly matter, improving benefit realisation by guiding them towards the best solution. Transformation teams are able to engage with and leverage stakeholders from across the organisation, enjoying increased capacity as a result.

WHAT PROBLEM ARE YOU SOLVING?Open Orbit is the only process improvement tool to use an algorithm to mentor users while they are solving business process problems. The algorithm guides human judgment to speed up the identification of the best solution. It’s like a GPS for users, helping them get to where they need to be as quickly and reliably as possible. Along the way, Open Orbit builds reusable corporate memory of what works and why. It also detects whether multiple users in the organisation have similar problems and connects them to drive collaboration.

WEBSITE www.openorbit.net

39

FOUNDED:

January 2000

STAFF SIZE:

IN SHORT:

PayNow FinTech is a platform enabling banks

and finance companies to lend to SMEs with

immediate origination maintaining credit

standards.

KEY MEMBERS:

Don Cunnington


SME Lending



WHAT IS YOUR VALUE PROPOSITION?PayNow FinTech delivers the whole process of funding the neglected SME sector in a digitally delivered environment at a fraction of the costs of banks’ manual systems. The customer-orientated website engages clients to state their needs after which automated solutions are offered. Embedded business-rules then offer an immediate risk-based pricing based on their credit score in accordance with agreed credit policy. Back-office platforms manage the entire relationship from on-boarding to collections. PayNow card technology enables purchases made on the card to be transferred to longer term loans, for immediate card reuse.

WHAT PROBLEM ARE YOU SOLVING?SMEs represent a large portion of the economy, however finance providers don’t have solutions to economically originate and manage SMEs. The entire finance delivery to SMEs is very archaic, leading to lost opportunities for innovation and growth in the overall economy. SMEs are constantly completing lengthy applications only to reach the end and have received terms that don’t meet their requirement, a delayed answer or no answer at all. SMEs have little current opportunity to understand their capacity to access finance across multiple products and interface with their finance provider using their own platforms.

WEBSITE www.paynow.asia

40

FOUNDED:

November 2012

STAFF SIZE:

IN SHORT:

We enable businesses to send documents to their

customer’s preferred digital platform.

KEY MEMBERS:

Andrew Stein


Payment Requests/Invoicing/Digital Documents



WHAT IS YOUR VALUE PROPOSITION?Payreq is a global play in the migration of essential mail from being sent via post and email to being sent via secure digital delivery platforms. Although digital delivery platforms exist in every country, the uptake by billers and senders to date has been incredibly low (less than 0.1% of all billers and senders). This is due to complex interfaces that are needed to connect to these platforms. Payreq has solved this by building a connector to enable billers and senders to connect seamlessly with these delivery platforms. Billers and senders connect once to Payreq and can then send documents to any platform that Payreq supports.

WHAT PROBLEM ARE YOU SOLVING?Payreq is a connector that enables billers and mailers to send digital documents securely to their customer via their customer’s preferred digital delivery platform. Digitally sent documents provide security and guaranteed delivery (better than email), are less expensive then posting, and digital invoices are paid on average two weeks before the due date. With no technical resources required on the sender’s side, Payreq easily enables accounting and document generation systems to send documents to platforms that Payreq has connections with. So far, Payreq has built interfaces to Australia’s BPAY View, My Post Digital Mailbox and Canada’s epost.

WEBSITE www.payreq.com

41

FOUNDED:

January 2013

STAFF SIZE:

IN SHORT:

PlanDo equips individuals to plan and manage their own career development.

KEY MEMBERS:

Alan Burt Anne Moore


Career Development



WHAT IS YOUR VALUE PROPOSITION?In the new world of work, proactive, self-directed and motivated talent is essential for successful organisations to survive and thrive. PlanDo is a career management platform that empowers individuals to set and achieve their own career goals through increased self-awareness, aligned goals and objectives, regular progress tracking and ongoing performance feedback. This leads to mutual value for individuals and enterprise success.

WHAT PROBLEM ARE YOU SOLVING?Traditional enterprise HR systems are not fit for the new world of work where agile teams have replaced the traditional ‘command and control’ organisation structures, millennials are staying with organisations for an average of 2 years and the continued growth of the contingent worker sector. PlanDo provides flexible solutions to a contemporary workforce that leads to alignment and performance.

WEBSITE www.plando.com

42

FOUNDED:

March 2014

STAFF SIZE:

IN SHORT:

Plexus Analytics is a fintech investment

management company that has partnered with data scientists from the

University of New South Wales (UNSW) to develop

the latest AI/machine learning technology and

apply it to the management of equity investment

portfolios.

KEY MEMBERS:

Peter Harpur Jonathan Younger

FINTECH CATEGORY:Wealth ManagementFunds Management



WHAT IS YOUR VALUE PROPOSITION?Plexus Analytics is focused on the application of predictive analytics to the funds management industry with the end objective of providing better investment outcomes to institutions and managed fund investors. Using predictive analytics technology, Plexus Analytics scans vast amounts of data to identify trends within equity markets and uses those trends to build equity portfolios. The software is designed to rapidly adapt to changing market conditions without human intervention. The executive team consists of world-class professionals including senior officers from the funds management industry, quantitative portfolio managers, data scientists and financial data analysts.

WHAT PROBLEM ARE YOU SOLVING?Lower investment management fees while providing consistent investment returns: the investment management industry has been under sustained pressure to lower management fees from investors however this has proven to be difficult given the available technology and the cost of managing investment funds. Plexus Analytics provides a solution to lower management fees while providing consistent risk-adjusted investment returns through the use of machine learning, cloud computing and automation. Consistent investment returns while minimising risk: testing of our investment process has proven that it can generate double digit investment returns while minimising capital drawdowns. The investment process has been tested across multiple equity markets resulting in similar portfolio outcomes.

WEBSITE www.plexusanalytics.com

43

FOUNDED:

August 2014

STAFF SIZE:

IN SHORT:

QuietGrowth is an automated, investment

management service, and we manage the

investments of our clients to achieve risk-optimised returns over a long-term.

KEY MEMBERS:

Dilip Sankarreddy


Automated Investment Management



WHAT IS YOUR VALUE PROPOSITION?We are the most advanced online investment adviser in Australia. We offer customised and highly diversified portfolios for our clients, and we manage their funds with a long-term investment perspective for a low fee. Our mission is to provide access to wise investing to all, through knowledge, technology and transparency. Our clients can avail our service through our interactive website, and our iOS and Android mobile apps. In addition to our existing direct-to-client’ service, we offer our white-label digital advice platform to financial advisers and accountants.

WHAT PROBLEM ARE YOU SOLVING? At present, clients using a typical wealth management service incur high fees, ranging from 1.5% to 3% of the portfolio size per annum. Moreover, many high-quality wealth managers do not serve clients with lower investible assets. Do-it-yourself investing is time-consuming, difficult, and often non-optimal. This is resulting in lower wealth accumulation over the long-term for clients. To address this problem, our solution automates the investment advice so that high-quality, scalable, online investment management service can be provided for a low fee. Moreover, our service is available to those who can invest as low as $2,000 for the long term.

WEBSITE www.quietgrowth.com.au

44

FOUNDED:

July 2015

STAFF SIZE:

IN SHORT:

Simple KYC provides significant automation for

onboarding commercial customers and meeting anti-money laundering

know your customer requirements.

KEY MEMBERS:

Eric Frost Neil Smith


Regtech



WHAT IS YOUR VALUE PROPOSITION?Simple KYC speeds up the process for onboarding entities ranging family owned business to complicated trusts to large, international organisations. Replacing a highly manual process with Simple KYC’s digital process enables

1) Onboarding a new customer in less than 1-2 days

2) Reducing costs by 50% or more

3) Better compliance and less operational risk

WHAT PROBLEM ARE YOU SOLVING?Onboarding commercial entities and meeting anti-money laundering (AML) know your customer requirements is a highly manual process for small to very large financial institutions.

1) Labor cost spent on manual processes exceeds $100M for Australia alone

2) New customers often have to wait 15-30 days while a financial institution processes their application

3) Manual processes are prone to error, creating compliance risk

Simple KYC’s capabilities to machine read trust deeds, reducing the time to read a deed from over an hour to minutes, is a good example of how Simple KYC is solving for a large, industry problem. WEBSITE www.simplekyc.com

45

FOUNDED:

May 2015

STAFF SIZE:

IN SHORT:

Smart Transfer facilitates International and Domestic

Peer-to-Peer Payments through mobile phones and social media apps.

KEY MEMBERS:

Francis Lu


Peer-to-peer Payments



WHAT IS YOUR VALUE PROPOSITION?Smart Transfer allows individuals to send money directly to each other across borders in different currencies through mobile phones or within their preferred social media apps (such as WhatsApp, Messenger, WeChat etc.), instead of going through the banks. Our mobile centric / social media focused solution gives individuals better exchange rates and fast delivery without hidden fees. We make this possible through our proprietary matching engine, secure private blockchain technology, and APIs allowing seamless integration with banks and social media apps.

WHAT PROBLEM ARE YOU SOLVING?International money transfers takes too long, complicated and expensive. Banks are still using old technology. SWIFT was founded in 1973 with 239 banks in 15 countries. Today, there are more than 11,000 banks in more than 200 countries.

It is too slow and takes a number of working days to arrive. It is also too complicated. You need to know SWIFT code, Routing code, Sort code, branch code, bank account number of recipient. Banks give poor exchange rates and intermediary banks also charge fees along each hop of the way. In the age of instant communication leveraging the tremendous computing power in our pockets, sending money should be fast, easy and free!

WEBSITE www.smarttransfer.co

46

FOUNDED:

May 2015

STAFF SIZE:

IN SHORT:

Spotcap is an online lending platform for

small business. We make unsecured small business

loans simple and easy.

KEY MEMBERS:

Lachlan Heussler


SME Lending


FUNDING STAGE: Series C Funding ($20m+)

WHAT IS YOUR VALUE PROPOSITION?Spotcap offers short term, unsecured lines of credit and business loans. We are a balance sheet lender with our own proprietary credit algorithm. We evaluate the real-life business and cash flow data of a business and consider more than a backward-looking credit score. Spotcap is faster and more flexible than traditional lenders, our application process is online and we make a decision within minutes. Applying for a loan with us is simple, fast and efficient.

WHAT PROBLEM ARE YOU SOLVING? Spotcap addresses the financing needs of Australia’s small business community. For many years, small businesses have been unable to access to unsecured finance. In fact, according to the ABS, small business loan applications are rejected at roughly twice the rate of medium sized businesses. Their inability to access finance has been a key barrier to growth and innovation. Alternative lenders such as Spotcap make it easy for small businesses to access finance, stimulating growth in the economy.

WEBSITE www.spotcap.com.au

47

FOUNDED:

March 2015

STAFF SIZE:

IN SHORT:

We help parents teach their kids about money.

KEY MEMBERS:

Alex Badran Mario Hasanakos


Financial Education



WHAT IS YOUR VALUE PROPOSITION?Spriggy helps families teach their kids about money. Using prepaid Visa cards and a mobile banking app for the whole family, young people get the freedom to make their own spending and saving decisions while parents get a safe, supervised environment in which to teach their kids healthy financial behaviour from an early age.

WHAT PROBLEM ARE YOU SOLVING? Despite tremendous progress in financial convenience and mobile user experience, there’s still no safe, simple tool to help parents teach young people about money. Worse still, as money becomes more digital, keeping track of kids’ financial understanding becomes more difficult and teaching the value of money is almost impossible. In a world where kids learn and communicate digitally, parents need digital tools to help teach kids the core skills for a healthy and successful life.

WEBSITE www.spriggy.com.au

48

FOUNDED:

April 2012

STAFF SIZE:

IN SHORT:

We provide a Smart Payment Terminal for a

connected world.

KEY MEMBERS:

Michael Davidson Brett Hales

Alvin Mercado


Payment Hardware and Software



WHAT IS YOUR VALUE PROPOSITION?Tappr offers a future-proof payment terminal that embodies the company’s vision for how commerce operates in a connected world. Tappr allows businesses to accept any form of payment as well as a host of other tender types including bitcoin, blockchain, rewards, digital wallets as well as all major debit and credit cards. The Tappr Terminal is powered by a custom Android OS, has its own app ecosystem with open source code for developers and is supported by an open and flexible API.

WHAT PROBLEM ARE YOU SOLVING? We’re on a mission to give traditional offline businesses the ability to offer services, payment types and insights that customers have come to expect online, and put them in front of their customers at the most important point of a transaction: the point of sale. There is no other certified payment solution on the market that offers this functionality.

WEBSITE www.tappr.io

49

FOUNDED:

November 2015

STAFF SIZE:

IN SHORT:

Making it easy to pay small amounts for content on the

internet.

KEY MEMBERS:

Alexey Feigin James Jansson Jordan Rastrick


Media Micropayments



WHAT IS YOUR VALUE PROPOSITION?Tapview makes it easy to put micropayments and subscriptions on websites, both large and small. It is free and quick to setup for publishers, with Tapview taking the pain and cost out of payments and content access management. With a single signup to Tapview, users can pay for content with a single tap across any of the websites in the Tapview network. We currently have a commercial pilot on two regional newspapers, and we are in discussions with other large publishers. We are looking to raise $1m to take advantage of the leads we have and to expand into other markets.

WHAT PROBLEM ARE YOU SOLVING? Media is facing a challenge, with dropping print sales and advertising being hit by adblockers. Paying for content online currently requires a separate signup process for each website, and often requires large upfront subscriptions. Current subscription management platforms have high upfront costs for publishers, and are difficult to set up. For customers, the signup process is often cumbersome.

WEBSITE https://tapview.com/

50

FOUNDED:

April 2016

STAFF SIZE:

IN SHORT:

Trade Ledger assess credit risk and provisions cash

flow solutions for growth companies on behalf of

institutions wishing to enter high yield cashflow loans

markets.

KEY MEMBERS:

Matt Born Martin McCann


Cash flow lending to mid-enterprise companies

GROWTH PHASE: Pilot


WHAT IS YOUR VALUE PROPOSITION?Trade Ledger has developed a technology platform which enables a unique combination of digital-only funding products. The efficiency and flexibility offered by this combination will appeal to business of almost any scale and significantly expand the addressable market at both ends of the credit spectrum. With the efficiencies derived from electronic data capture and analytics, enhanced customer experience, and better designed products, the organisation provides a comprehensive credit view, a low cost operating model, a targeted scalable channel to market for banks, and a valuable set of credit data.

WHAT PROBLEM ARE YOU SOLVING? Trade Ledger solves three market problems:

1) The late payments problem. The gap between expenses and payment income typically more than 54 days global and more than 65 in Australia stressing growth businesses.

2) Banks don’t understand how receivables data relates to risk as they either can not acquire it or its too expense to utilise resulting in missed profitable market opportunity.

3) Funding products currently available are unsuitable for growth companies. They tend to be designed for the finders constraints around risk and not the customers cash flow needs.

WEBSITE tradeledger.io

51

FOUNDED:

July 2015

STAFF SIZE:

IN SHORT:

Australia’s trusted business loan marketplace.

KEY MEMBERS:

Ritchie Cotton Alex Molloy


SME Lending



WHAT IS YOUR VALUE PROPOSITION?Valiant is a small business marketplace platform that empowers small businesses seeking finance with transparency & choice. With a panel of over 40 of Australia’s leading business lenders, we give business owners and their advisers the tools to find the lender and product that best suit their business all based on real lender criteria and help support the business all the way through to funding.

WHAT PROBLEM ARE YOU SOLVING? Inherent difficulties in assessing creditworthiness means small businesses are currently left underserved by banks. Technology is changing the way lending works and unlocking more efficient underwriting methods and has led to an explosion in the number of lenders offering small business loans. This has made an already confusing space even more confusing and leaves small business owners vulnerable to aggressive marketing and sales tactics. In this world, the price of approval becomes high rates and bad terms and the price of discovery becomes time, rejection and reputation.

WEBSITE https://valiant.finance

FOUNDED:

January 2014

STAFF SIZE:

IN SHORT:

We aggregate, transform and enrich information for

a web and mobile world.

KEY MEMBERS:

Caroline Trotman Bruce Wren

FINTECH CATEGORY:Infrastructure & PlatformsDocument Transformation



funding

WHAT IS YOUR VALUE PROPOSITION?WordFlow enables organisations to transform their information into a strategic asset. With WordFlow they can collect their information from multiple systemes, convert documents into HTML, enrich and restructure them into web pages, at scale, and make all content available in a mobile friendly format.

WHAT PROBLEM ARE YOU SOLVING? In this web and mobile world organisations struggle to get their information to their customers, staff and suppliers in the right format. Information is trapped in legacy systems that were not designed for today’s mobile customer. Organisations continue to publish online in desktop formats because there has not been a solution that automatically transforms documents into web and mobile formats at scale. This is the problem WordFlow solves.

WEBSITE www.wordflow.info

52

PART TIME RESIDENTS

FOUNDED:

November 2016

IN SHORT:

ADAPT offers innovation-as-a-service to develop

embedded intelligence & industrial automation.

KEY MEMBERS:

Anirban Gupta


Embedded Intelligence

GROWTH PHASE: Pilot


WHAT IS YOUR VALUE PROPOSITION?

ADAPT’s Innovation-as-a-service provides entities the unique opportunity to undertake continuous innovation and push the envelope concurrently without disturbing their mainstream business operations. ADAPT is the test bed for rapid proto-typing and nimble pilots to help businesses ideate fast, overcome faster and learn fastest. ATM geo-fencing, employee tracking, digital security for cash van logistics and blockchain of mobile assets are some of the few prototypes currently under construction. ADAPT is also working with an ANZ based client to trial smart city lighting for the streets of NSW.

WEBSITE www.adaptideations.com

FOUNDED:

January 2014

IN SHORT:

ABA Technology build state of the art digital security,

identity and payment solutions.

KEY MEMBERS:

Chris Guzowski


ABA Technology’s engineers were the core developers of bitcoin software libraries. We are cryptography and Blockchain experts.

WEBSITE http://ei8.ht/

ADAPT Ideations Pty Ltd


Digital Identity

GROWTH PHASE: Pilot


ABA Technology

FOUNDED:

August 2014

IN SHORT:

We improve retirement outcomes.

KEY MEMBERS:

James Claridge Ed de Salis


For financial advisers, Investfit provides value through lead generation, more engaged/better informed clients and greater productivity. For accountants servicing SMSFs, Investfit provides an additional source of revenue at low cost. For institutions with large client bases/memberships, such as industry funds, retail fund managers, banks and credit unions, investfit provides a cost effective way to engage with clients and members and to deliver low-cost high-quality advice to them. This helps retain clients/members, particularly as they approach retirement age and start to look around for alternative fund managers. Investfit is also of value to corporates and existing investment and superannuation administration platforms.

WEBSITE investfit.com.au

FOUNDED:

January 2012

IN SHORT:

We make Financial Services more engaging.

KEY MEMBERS:

Colin Weir


By building applications that help people win financially by making them fun, either collaboratively with financial services companies or delivering finished apps, like www.chorescout.com, as a whitelabel product we help our banking, insurance and wealth management customers compete on purpose not price.

WEBSITE www.moroku.com


Financial Advice



Investfit


Mobile Banking



Moroku

FOUNDED:

May 2016

IN SHORT:

Fundamentally, I solve problems and keep the

wheels turning.

KEY MEMBERS:

Scott Williamson


Using a sophisticated technology platform, PRIMEiD will significantly reduce the time spent by a range of companies including fintechs, banks, online financial services businesses as well as identity management firms and KYC utilities to onboard individual customers. The platform is also Customers can be onboarded within 60 seconds (sign-up) and achieve unprecedented high levels of successful verification rates. PRIMEiD will also reduce the complexity for new users to sign up and allow businesses to scale more quickly. Removing the manual component of the KYC process allows businesses to become fully scalable and realise their value potential.

WEBSITE http://primeid.com.au/

FOUNDED:

March 2012

IN SHORT:

Threat Intelligence strives to be the most highly-skilled

and experienced specialist security company in

Australia.

KEY MEMBERS:

Ty Miller


The Threat Intelligence team is known around the world for their specialist security knowledge and experience, independent security research, and world renowned security training. This enables our clients to access world-class security specialists in order to ensure they receive top-quality advice and outcomes in keeping their business safe in an ever-evolving global threat landscape. WEBSITE https://www.threatintelligence.com


GROWTH PHASE: Pilot


PRIMEiD

FINTECH CATEGORY:Cybersecurity

IT Security, specialising in

Penetration Testing


FUNDING STAGE: Not presently seeking

external funding

Threat Intelligence

COMMUNITY PARTNERS

AsiaRecon

IN SHORT:

AsiaRecon is a program set up to help foster,

develop, and build Australia’s engagement in the tech, innovation & the

entrepreneurship sector across Asia.

KEY MEMBERS:

Mathew Benjamin


Like a real reconnaissance mission, the goal is to take the best representatives from Australia, to visit the most exciting technology and innovation hubs across Asia. The AsiaRecon concept is an interactive program developed for Australian entrepreneurs, investors, corporates and other ecosystem contributors. Director and Co-founder, Mathew Benjamin, has also guided the Fintech Asia Program at Stone & Chalk.

WEBSITE http://www.asiarecon.com/

IN SHORT:

Australia’s leading fintech focused digital design and

investment firm. The world’s leading fintech accelerator.

KEY MEMBERS:

Ben Heap Toby Heap


H2 Ventures is reinventing financial services for the retail consumer by bringing together talented entrepreneurs, investors, forward thinking established financial services companies and other thought leaders in the world of technology enabled disruption. H2 Ventures is the manager of the H2 Accelerator - Australia’s only dedicated fintech accelerator - and operates out of Sydney’s dynamic new fintech hub, Stone & Chalk. WEBSITE https://h2.vc/

Heads Over Heels

Jelix Ventures

IN SHORT:

Our mission is to increase the representation of

women leading high growth businesses.

KEY MEMBERS:

Fiona Boyd


Heads Over Heels brings together a group of women and men in senior business, government and community roles (“Connectors”) who volunteer their time and contacts to support female entrepreneurship. Our model provides a highly targeted, efficient and impactful way for Connectors to contribute to these women entrepreneurs. We build community support and improve the perception of women entrepreneurs, further contributing to their liklihood of success.

WEBSITE headsoverheels.com.au

IN SHORT:

We cherry pick world class start ups and lead

syndicated investments into them.

KEY MEMBERS:

Andrea Gardiner


We leverage our unique access to deal flow, and expertise in the start up sector to select, vet and curate investment opportunities in the strongest position to produce outsized returns; investing ourselves and inviting angel investors to co-invest alongside VCs and expert angel investors.

IN SHORT:

Spark Festival is a not for profit bringing together

people, ideas & resources across the Australian

innovation and startup ecosystem.

KEY MEMBERS:

Maxine Sherrin


Spark Festival’s objectives are to:

provide opportunities for individuals of diverse background, age and gender to pursue and succeed in a career of entrepreneurship;

connect entrepreneurs, industry groups, government and service providers;

position us as a leading startup nation; and

help to provide training and awareness and skills for individuals of all ages.

WEBSITE http://sparkfestival.co/

Spark Australia

IN SHORT:

We help great entrepreneurs build great companies with

a new model of corporate venture capital.

KEY MEMBERS:

Simon Cant Danny Gilligan


Reinventure is investing $50M in Australian technology ventures. We invest for the long term, and we put our ventures first. Once we invest, our job is to unlock maximum synergy value between our ventures and Westpac, our largest investor.

We back ventures that are led by great entrepreneurs with great teams, are executing on business models that have demonstrated traction, and have the potential to build significant, defensible businesses in the Australian and New Zealand markets with the potential for international growth.

WEBSITE http://reinventure.com.au/

PITCH BOOK - Stone and Chalk · PDF file5 STONE & CHALK TEAM Dan Balcaban Nathalie Jones...

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Transcript of PITCH BOOK - Stone and Chalk · PDF file5 STONE & CHALK TEAM Dan Balcaban Nathalie Jones...