Orange Ventures

The tools that power remote work are define the next generation of enterprise software.

Remote Work Tools

Ringover offers voice, video, chat, and SMS communications with a focus on SMEs. Its services include video conferencing, business phone, and call center solutions. The platform has integrations with CRM software and helpdesk tools such as Salesforce, Zendesk, Pipedrive, Freshdesk, Hubspot, and Microsoft Dynamics. The company has more than 10,000 customers, including talent.io (a European tech recruitment platform), Sendinblue (a digital marketing platform), and Malt (a freelancer marketplace).&nbsp;Key customers and partnershipsIn August 2024, Ringover partnered with Prodoscore and combined Prodoscore’s analytics with Ringover’s communication platform to allow the staffing teams to utilize and interact with the ringover platform and provide useful insights.

New insurance models are disrupting a centuries-old industry with a focus on personalization and convenience

InsurTech: Personal Lines

France-based Luko is a digital homeowners insurance provider that offers coverage within minutes through an online process and enables customers to file claims via chat, phone or video call using its mobile app. The company’s operating model is similar to Lemonade’s where any unclaimed premiums are donated to a charity of the customer’s choosing. Luko also offers smart home devices such as door sensors, electricity consumption monitors, and water leak sensors to proactively identify risks as well as advise policyholders on optimal usage patterns.Luko acquired German insurtech startup Coya (renamed to Luko Insurance AG) in an all-equity transaction in <a href="https://sp-edge.com/updates/7935">January 2022 </a>. Furthermore, Luko was to leverage the latter’s German insurance license to expand its footprint in the European market.In <a href="https://sp-edge.com/updates/25949">January 2024</a>, Luko entered into an agreement with Allianz Direct, the digital insurance subsidiary of Allianz, to sell off its French insurance business for EUR 4.3 million (~USD 4.7 million). This follows after the failed acquisition of the same by Admiral in <a href="https://sp-edge.com/updates/19475">June 2023</a>.The company continues to operate in the digital homeowners insurance market in Spain and Germany, while also maintaining its real estate holdings in France.Funding and financialsThe company raised EUR 50 million (USD 60 million) in Series B funding in December 2020. The round was led by EQT Ventures, along with participation from existing investors Accel, Founders Fund, and Speedinvest. Assaf Wand, the co-founder of Hippo Insurance, also participated in this round.

New technology allows individuals and organizations to become carbon intelligent

Carbon Management Software

Traace, a France-based carbon management company collects emissions data from the entire value chain of a company and enables carbon footprint to be broken down by geographic and economic categories for granular analysis. Then, the company creates a specific action plan tailored to the customer’s decarbonization needs. Trace has developed an ergonomic dashboard to engage customers’ participation and align CO2 reduction decisions.In <a href="https://sp-edge.com/updates/30294">May 2024</a>, Traace was acquired by Tennaxia, a French software provider of ESG and HSE (Health, Safety, and Environment) solutions. The acquisition aims to develop an advanced carbon accounting platform.Key customers and partnershipsThe company has joined with consultancies such as Carbone 4, EY, South Pole, and Utopies to integrate service packages. Traace also provides its carbon management tools to Sodexo, Siemens, Systra, INSEAD, GSF Group, Citadelle Group, SES-Imagotag commercial clients, and institutions such as the French Development Agency.Funding and financialsThe company’s most recent funding round was <a href="https://en.traace.co/post/traace-leve-2-5-millions-d-euros-pour-conquerir-le-marche-europeen?">in July 2022</a>, when it raised EUR 2.5 million (USD 2.7 million) in a seed funding round led by Orange Ventures and the Arché-Gruppe family office. The company intended to expand its sales and technical teams in preparation for expansions in France and Europe.

AI-based solutions for evolving digital threats

Next-gen Cybersecurity

<div>
 
 Morphisec offers endpoint security solutions that use patented technologies to proactively identify threats with minimal performance overhead and experience on a specific threat. The company&rsquo;s product, &ldquo;Morphisec Guard'' uses a combination of traditional antivirus software and proprietary technology to protect endpoints against known and unknown malware and ransomware, and also offers incident response services. In addition to employee workstations, Morphisec&rsquo;s offering also extends to the protection of servers (cloud-based or on-premise) and virtual desktops. As of April 2021, Morphisec&rsquo;s platform protected more than 5,000 companies and 7 million endpoints worldwide. The company claims that its platform prevents more than 15,000 attacks per day, and counts companies such as Motorola, Maersk, and Radwell International among its clients. The company&rsquo;s vulnerability management tool, &ldquo;Morphisec Scout&rdquo; automatically scans for vulnerabilities across endpoints and server applications during runtime to deliver threat prevention solutions. As of August 2021, Morphisec&rsquo;s platform protected more than 5,000 companies and 8 million endpoints worldwide.
 
 
 Morphisec raised USD 31 million in Series C funding in March 2021 led by Jerusalem Venture Partners. The company expects to use the funding to expand its team in Israel and the US.
 
</div>

Democratizing financial technology with a suite of API-based solutions

FinTech Infrastructure

Raisin DS was formed through the merging of two German financial services providers, Raisin (a B2C platform for savings and investments) and Deposit Solutions (DS; an open banking infrastructure provider). Accordingly, Raisin DS offers a B2B open banking platform that lets depositors connect with financial institutions, without opening multiple accounts. Raisin DS also offers B2C platforms across Europe (under several brands, including “Raisin”, “WeltSparen”, “Savedo”, and “ZINSPILOT”) and in the US (through “SaveBetter”). In addition to the above, the company also offers exchange traded fund (ETF)-based investment and pension products in Germany. The company collaborated with around 400 banks and financial institutions (FIs) from over 30 countries, as of July 2021, and serviced over 550,000 end users. Raisin DS intends to invest in its platform, broaden its product range, and expand into newer markets in the future. Accordingly, in October 2021, Raisin DS partnered with Germany’s second-largest direct bank, Deutsche Kreditbank (DKB), to offer 4.8 million DKB customers access to Raisin DS’s overnight and term deposit accounts.

Buy Now, Pay Later

PayJoy offers financing options, including flexible payments on smartphone purchases and other lending products for underbanked communities across emerging markets. The platform allows users to buy a smartphone with an initial payment of 25% or 30% and split the rest weekly over a three-, six-, or nine-month payment period. PayJoy does not charge any late fees; if a payment is missed, the phone will be locked until a payment is made.Key customers and partnerships PayJoy has partnered with several smartphone manufacturers, including Transsion Group, TCL/Alcatel, D.Light, and Hisense (October 2019), and has extended existing collaboration with Samsung and LG to provide affordable smartphones to underbanked consumers on installment payment plans. Funding and financials The company raised USD 360 million in a <a href="https://sp-edge.com/updates/21562">funding round </a>consisting of USD 150 million in Series C equity led by Warburg Pincus and debt funding of USD 210 million led by Citi in September 2023. The funds were earmarked to serve customers in existing markets and expand its geographic and product footprint. As of October 2023, PayJoy had provided over USD 2 billion in credit to more than eight million customers across several countries.

Making banking work, without the paperwork

Neobanks

UK-based Monzo provides banking services to both individuals and businesses online and via a mobile app. It has its own banking license and operates under three segments: consumer banking, personal lending, and business banking.For consumers, it offers free checking accounts and debit cards with features such as P2P payments and overdrafts. Its paid plans are priced at GBP 5 (Monzo Plus) and GBP 15 (Monzo Premium) per month that provide additional features such as premium cards, interest on checking accounts, insurance, and virtual cards. Users can also make contactless payments through Apple Pay or Google Pay using a virtual card (launched in November 2021), which is available for transactions over GBP 30 (~USD 40). In addition, it offers automated savings features, whereby it rounds up the cost of any purchases to the nearest pound and saves the change to one of the pots, savings pools created by the customer for specific requirements. Under personal lending, Monzo offers personal loans and overdraft facilities up to GBP 3,000 (~USD 3,800) as well as a BNPL product named Monzo Flex, which allows users to spread their purchases over three, six or twelve months.The company also offers free digital bank accounts for children aged six to 15 called "<a href="https://sp-edge.com/updates/31731">Monzo for Under 16s</a>." These accounts include features such as parental oversight, savings goals, allowances, card payments, and educational content on savings and budgeting, with a progression path to a full account at adulthood.&nbsp;Moreover, Monzo offers&nbsp; an investment platform called, <a href="https://sp-edge.com/updates/21781">Investments</a> (launched in September 2023), allowing customers to create investment pots and invest in three curated funds managed by BlackRock, each associated with varying levels of risk. Furthermore, the company&nbsp; offers a pension product designed to consolidate pension contributions called <a href="https://sp-edge.com/updates/31959">Monzo Pension</a>. It is accessible through the Monzo app, with charges that include a 0.45% platform fee (reduced to 0.35% for premium Monzo Perks and Max subscribers) and a 0.18% fund fee. Monzo Pension consolidates pensions into one of the above BlackRock-managed funds. In addition, Monzo offers travel and insurance services as part of the Monzo Premium account; it also had plans to offer more insurance offerings in the future.Business clients receive basic features along with free UK bank transfers and digital receipts under the Lite account. They can gain access to additional features such as accounting software integration with Monzo, virtual cards, multi-user accounts, and invoicing management for an additional GBP 5 per month under its Pro account.In FY2024 (ended 31 March 2024 ), Monzo reported a revenue of GBP 879.9 million (~USD 1.12 billion; up 147.4% YoY). In stark contrast to the previous year’s loss of GBP 116.3 million (~USD 144.5 million), the company turned a profit, reporting earnings of GBP 8.7 million (~USD 11.1 million).Monzo saw a significant increase in deposits, with the total reaching over GBP 11.2 billion (~USD 14.3 billion), an 88% increase from last year’s GBP 6 billion (~USD 7.6 billion). Additionally, the value of card transactions rose to GBP 47.8 billion (~USD 61.6 billion), marking a 42% increase from the previous year’s GBP 33.6 billion (~USD 42.9 billion).Key customers and partnershipsAs of March 2024, the company had more than 9.7 million personal account customers, and around 400,000 business customers.

Technologies bringing about a new reality

Extended Reality

Wevr is an interactive software studio that produces virtual reality environments for games, marketing activities, well-being initiatives, and educational simulations, powered by game engines and blockchain technology. The company also creates location-based experiences that can be utilized in establishments such as museums and retail stores. Wevr introduced Wevr Virtual Studio (WVS) (December 2021), a cloud-based platform for developers to create, collaborate, organize, and share interactive/3D projects. WVS is powered by the industry-standard GIT backend, customized for game engine workflows. As of February 2022, WVS is open for early access.Key customers and partnershipsAs of January 2024, the company had collaborated with creators and brands such as Run the Jewels, Paul Allen, Warner Brothers, JK Rowling, Samsung, Jon Favreau, Reggie Watts, and YouTube.In July 2021, Wevr worked with Warner Bros Studio, the Blair Partnership, and other collaborators to develop two location-based VR experiences for the Warner Bros and Harry Potter flagship store in NYC. Wevr was responsible for the virtual environment production and character animation system, as well as the hardware design and software implementation of the physical user experience of the project. The physical experience included an interactive broom flight simulation that triggers physical effects with events occurring in the story sequence using tracking and force feedback systems.The company also collaborated with AT&amp;T and Ericsson to create a multi-user location-based XR experience that is photorealistic. The experience was built on Dreamscape Immersive’s VR platform and used a private 5G network from Ericsson that offers the high frame rates and low latency required to secure photorealism in XR experiences.

Platforms, apps, and cards to keep the corporate wallet in check

Business Expense Management

<div>
 
 Based in France, Mooncard offers a business expense card issuing platform that enables companies to issue physical and virtual Visa cards to its employees with customized conditions and limits (with the ability to approve ad hoc expenses in real time). Users can make payments through the cards and must then take a photo of the receipt, add relevant details, and submit the expenses. The platform automates spend controls, approvals, and accounting while also generating expense reports and insights.
 
 
 
 
 Accordingly, Mooncard can be integrated with several third-party ERP and accounting platforms such as Sage, QuickBooks, Microsoft Dynamics, and SAP.&nbsp;
 
 
 
 
 In addition to its standard cards, Mooncard offers &ldquo;Mooncard Mobility&rdquo; and &ldquo;Mooncard Premium&rdquo; cards. The Mobility card helps companies pay, manage, and track vehicle-related expenses and is commonly accepted at petrol stations, toll booths, car parks, etc. Meanwhile, the Premium card offers value-added benefits such as concierge services, premium insurance, and boosted miles.&nbsp;&nbsp;
 
 
 
 
 Key customers and partnerships&nbsp;
 
 
 
 
 Mooncard&rsquo;s customer base has reportedly doubled from January 2021 to April 2023 and reached 6,000 companies, including Indigo, Vinci, and Air France.
 
 
 
 
 The company partnered with airline loyalty program Flying Blue in January 2021 to offer Air France miles through its card (which can be used by employees for personal trips). This was reportedly the first non-Amex card in France that allowed users to earn miles.&nbsp;&nbsp;
 
 
 
 
 Funding and financials
 
 
 
 
 Mooncard handled annual payments worth over EUR 200 million (~USD 220 million) through its platform as of April 2023, at which point the company had reportedly doubled its payment volumes every year since inception (in 2016).&nbsp;
 
 
 
 The company 
 <a href="https://sp-edge.com/updates/17821">
 raised EUR 37 million (~USD 41 million)
 </a>
 in Series C funding, co-led by Orange Ventures and Portage, in April 2023, to invest in developing new solutions and expanding its operations to six European markets (Austria, Belgium, Germany, Italy, Spain, and the Netherlands).
 
</div>

Data Infrastructure & Analytics

CorralData is an AI-driven data platform that allows businesses to connect, analyze, and collaborate on their company data. The company platform features include automated reporting, data tooltips, real-time goal and budget setting, built-in collaboration and chat, and AI-powered dashboards and reporting.

Pretto is the only truly transparent online real estate price comparator.Pretto accompanies you until the signing of your loan, free of charge and without commitment.

Supervizor is the market leading finance quality assurance SaaS for CFOs and Chief Audit Executives. It enhances the reliability of financial data by automatically detecting anomalies and potential frauds in journal entries and other datasets within transactional systems (ERPs, T&E, etc.). Its unique AI-driven approach involves analyzing accounting data at the most detailed level and reviewing every transaction continuously across a broad spectrum of controls. Application areas include financial excellence, duplicate payments, sales tax and VAT optimization, segregation of duties, anti-corruption, regulatory compliance (SOX, FCPA) and travel and expenses oversight.

Epoca is a medical technology startup that believes that many patients seen in emergency rooms and hospital departments can be treated at home. Its approach allows patients with acute or chronic illnesses to be kept at home by installing connected gadgets, a data analysis platform, or even a medical and paramedical team for remote monitoring and coordination.

CorralData is an AI-driven data platform that allows businesses to connect, analyze, and collaborate on their company data. The company platform features include automated reporting, data tooltips, real-time goal and budget setting, built-in collaboration and chat, and AI-powered dashboards and reporting.

Terragon is a leading Data and Marketing Technology company that uses data and analytics to help companies focused in Africa, intelligently connect at scale to their customers.  We use an aggregation of online and offline data, and predictive scoring to help brands, marketing agencies and platforms accurately target people across channels and devices.  Headquartered in Lagos; Nigeria, we also have a presence in Kenya, South Africa, Ghana and India.

DataGalaxy is the industry's first Data Knowledge Catalog helping organizations understand how their entire business runs on data. An established leader in Europe and growing rapidly to operate worldwide, DataGalaxy offers a user-centric platform dedicated to metadata mapping, active metadata management, and metadata knowledge sharing. Trusted by 120+ leading brands including Dior, Sephora and TotalEnergies, DataGalaxy helps businesses of all sizes gain control over their data assets and make better, more informed decisions, thanks to an innovative approach to data governance and cataloging.

Ringover offers a voice-video-chat-SMS-call center communication solution for businesses. As per the company, it has been adopted by over 10,000 businesses that integrate with top CRM and Helpdesk tools to boost productivity.

Mooncard was created with an ambition: to put the new payment technologies at the service of the day-to-day management of all companies to enable them to gain in simplicity, efficiency and therefore profitability.  Currently, many purchasing and spending processes remain manual and complex, ranging from routine purchases and expenses to expense claims. Businesses of any size, and often the small ones, lose valuable time to make and manage these payments.  Mooncard completely transforms this situation by proposing an innovative payment solution, piloted in real time, secure and deployable very easily. Thanks to the most modern technologies (web, big data, IA ...) the payment and management circuit is completely automated. Mooncard supports all companies to enable them to take full advantage of the revolution of means of payment.

Waspito is a healthcare platform and app that offers services like online consultation, medicine delivery, specialist doctors, and others.

Chari is an e-commerce and fintech app for traditional retailers in French-Speaking Africa allowing them to order any consumer goods they sell and get delivered for free in less than 24 hours. Chari is also a financial services provider for these retailers, offering them microloans. Chari's mission is to meet the needs of entrepreneurs by supplying them with consumer goods on a regular basis and providing them with financial services.

Semeia offers patient monitoring solution designed to support medical followup of patients, remotely and in consultation. They use deep learning technologies to estimate the risk of the occurrence of an adverse event or disruption in the patients care pathway.

Julaya is a fintech providing African businesses with a digital account to make payments : disbursing mobile money transactions to their employees, suppliers, and owning their own virtual and physical prepaid cards. By digitizing their operations on the Julaya platform, businesses have access to digital loans.

At Eezee, we take pride in being at the forefront of modern procurement. By integrating to your ERP via punchout, Enterprises can get connected with a network of accredited suppliers in Southeast Asia on our eCommerce platform. Long gone are the days of having to make multiple calls just to find the product you need. Buy what they need with a few simple clicks. Eezee is here to give you an unparalleled purchasing experience.

Face the climate challenge and effectively reduce your carbon emissions with a comprehensive, simple and engaging platform for your organisation, whatever its size.

Afrikamart is a west African distribution platform for fresh produce that offers its marketing services to producers - suppliers - and operates as a digital purchasing center for retailers, hotels and restaurants - customers. We combine extensive use of digital with its experience in the food value chain to: - Facilitate information exchange between suppliers and customers (purchase price, sale price, product availability, harvest and purchase forecasts) - Organize end-to-end logistics with a network of transporters - Optimize financial and product flows according to different purchase and payment terms Our team includes experienced technology driven individuals with a strong experience in food commodity trading. Afrikamart brings pragmatic solutions to solve food value chain inefficiencies in West Africa while empowering hundreds of underprivileged women and young people with economic opportunities.

Youverify helps businesses and individuals confirm identity and physical addresses. Using AI, Youverify confirms a user’s identity document and compares it with their facial biometrics. This information can be cross-checked against more than 300 databases locally and globally. Youverify in partnership with over 20,000 field verification officers verifies physical addresses all over Sub-Sahara Africa in less than 48 hours. Youverify fills the gap in Africa's digital industry by providing one API for identity and physical address verification.

Amanleek, aims to simplify insurance services and make it more accessible for a wider base of individual and business customers through leveraging transparency, trust and innovation to deliver an enhanced experience for all parties involved through tech based solutions.

SAYNA is an ecosystem online where anyone can learn tech skills through a desk platform gamified and a mobile video game (in development), our specificity is when a learn validate skills, remunerative tech microtasks requested by companies are opened to him on our platform !

YZR is a saas platform designed to enable business people to prepare their own data. 3 features : - Standardisation : rewrite textual data, the standard way - Labeling : applies featured labels based on a active learning process - Fuzzy matching : matches groups of words (for ex: product descriptions) YZR makes data standard, labeled and matched even without top down data governance. YZR performs automatic data preparation through an API, designed to be integrated in any data infrastructure.

Goshaba is an employee recruitment platform that allows everyone to become aware of their potential through objective evaluations. They help everyone make informed choices that meet their aspirations and boost their self-confidence in order to find their way into the professional world.

ShipBlu is a platform that redefines the e-commerce shipping and fulfillment experience providing 24-hour delivery with live tracking. The company was founded in 2021 and is headquartered in 	Giza, Egypt.

Batch.com is an SDK and marketing automation dashboard focused on marketing and transactional push notifications. It also includes mobile analytics which are useful to monitor and improve its users’ customer retention as well as engagement. Batch.com helps marketers follow segmentation to improve mobile’s fundamental communication channels: push notifications and in-app messages. It supports iOS, Android, Windows, Unity, Adobe Air, and Cordova platforms. Batch.com was launched in 2014 and is based in Paris, France.

Rofim provides a multidisciplinary platform that combines practitioners' knowledge, technology for analyses, and medical imaging to provide a diagnosis. In order to share knowledge and provide the most accurate and timely diagnosis possible, Rofim concentrates on all the functionalities created for fluid medical use. The company is dedicated to making the daily lives of physicians, patients, and medical institutions easier, more moral, and more seamless.

LAMMA is a quick commerce app, designed for North & West Africa. It operates 3 dark stores & 1 Distribution Center in Tunis & Rabat. Edit : LAMMA was acquired in June 2022 by Appetito, a similar startup based in Cairo, Egypt

Yoco is an African technology company. We create opportunities for entrepreneurs and small businesses to get paid, run and grow their business through a single platform. Our growing product ecosystem includes payments (offline and online), lending and business software.  Today Yoco processes US$ billions annually for over 300,000 small businesses.

Brut is an international video content publisher, focused on news and feature-based, short-form content. They cover topics from politics to technology and social justice, culture and more. Brut videos are viewed more than 400 million times a month and touch more than 150 million worldwide. Brut. is a global media company that creates short-form video content for audiences around the world. With offices on two continents, Brut. publishes content daily in three languages and across eight social platforms generating over 500MM views a month.

Morphisec delivers an entirely new level of innovation with its Moving Target Defense-powered proactive endpoint protection platform to create a zero-trust execution environment for your applications. This proactively creates a prevent-first posture against the most advanced threats to the enterprise, including APTs, file-based malware, zero-days, ransomware, file-less attacks, and web-borne exploits. This complete endpoint security solution easily deploys into a company’s existing security infrastructure to form a simple, highly effective, cost-efficient technology stack that is truly disruptive to today’s existing cybersecurity model. It was founded in 2014 and headquartered in HaDarom, Israel.

CellRev is a biotechnology company focused on process intensification within cell manufacturing applications. The company’s proprietary technology facilitates the transition from batch to continuous processing of adherent cells. It’s a disruptive new biomanufacturing approach that increases yield while decreasing operating costs and capital expenditure. A proprietary cell detachment process is complemented by a specially designed bioprocess; together, they pose an altogether unique cell manufacturing solution.

Weaveworks simplifies operating Kubernetes workloads and provides a developer-centric operating model for cloud-native applications.  Founded in 2014, Weaveworks makes it fast and simple for developers and DevOps teams to build and operate powerful containerized applications. They minimize the complexity of operating workloads in Kubernetes by providing automated continuous delivery pipelines, observability, and monitoring.  It is one of the first members of the Cloud Native Computing Forum. Weaveworks also contributes to several open-source projects, including Weave Scope, Weave Cortex, and Weave Flux.

Luko is an insurance company that provides a device that focuses on home security and reduces electricity bills. It features an AI-powered sensor designed for monitoring and preventing home accidents. Luko aims to move insurance from a claims-based model to prevention with its proprietary technology.

7keema provides quick, safe, and efficient services which cover a wide scale of professional nursing dimensions such as basic care, post ICU, hospice care, home shifts, ostomy care, elderly care, and post-pregnancy at a reasonable yet competitive price.

InsideBoard is an AI platform for change management to sustain ongoing employee adoption and performance. InsideBoard offers in one united change management platform a wide range of innovative solutions to engage all agents of transformation: end users, ambassadors, managers, and top management. Empower your team and ignite their interest to be the drivers of their own change.

Gebeya Inc. is a Pan-African Freelance Talent Marketplace company headquartered in Addis Ababa, Ethiopia, with remote teams in Kenya, Senegal, North America, and the UK. The company aims to become an active contributor to Africa’s digital transformation and build a booming Africa through leveraging continental and global job opportunities for African talent. Its vision is to be the most trusted and reliable source of skilled talent that showcases Africa’s competitiveness. For more information, visit www.gebeya.com.

NGD Systems manufactures the world’s most advanced computational storage drives (CSDs) that allow customers to compute anywhere the data resides. The company provides the industry’s highest capacity NVMe CSDs that are the most power-efficient while delivering the smallest form factors. NGD System’s technology is ideal for edge computing networks, data-intensive AI/ML applications, stringent SLA environments, content delivery networks (CDNs) and hyperscale environments.

As the European leader of Software-Defined Interconnectivity, InterCloud is disrupting the way organizations are connecting the Cloud. By providing Connectivity as Code, we offer them an unparalleled way to extend their confidence end-to-end with visibility and control on their resources. Global multinationals like SNCF, Schneider Electric, Veolia, and more, have placed their trust in InterCloud to deliver an appropriate cloud connectivity solution to satisfy security and compliance needs in relation to the hybridisation of their business applications. That is why major Cloud vendors like Amazon Web Services, Microsoft, Google Cloud, Salesforce, ServiceNow, IBM, SAP, Oracle, Outscale and Alibaba have opted for InterCloud’s platform. Between you and the Cloud

Monzo (previously Mondo) is a bank for people who live their lives on their smartphones and is targeted at people who want to get things done with a click and who don’t see the need for branches and checkbooks. One of the key features that distinguishes Monzo from traditional banks is its app-based approach, which provides users with real-time updates on their spending, categorized transactions, budgeting tools, and instant notifications for transactions. Monzo also offers features like ''Pots,'' which are sub-accounts that allow users to set money aside for specific purposes, and ''Monzo Plus,'' a premium subscription service that offers additional features like custom card designs and travel insurance.

Raisin is a savings and investment marketplace that connects retail customers with banks looking to expand deposit reach. The company's goal is to provide savers the best interest rates. The company gives access to exclusive savings products from all over Europe. Raisin assures a smooth investment process and the simple management of investments with all of the partner banks via one single platform. Raisin was founded on 2012 and is headquartered in Berlin, Germany. Raisin DS was formed by a merger of the FinTech companies Deposit Solutions and Raisin in June 2021.

(Customers of Aire can contact Experian UK for any data requests). Aire is a credit assessment and automation platform for underwriting decisions.  The company was founded on 2014 and based in London and expanded to the US.  NOTE: UK based customers can now contact Experian UK for their credit files related to Aire.

Africa's Talking is a Kenya-based mobile solutions firm integrating reliable two-way SMS, voice, and USSD functionality across mobile providers in Africa. The firm offers bulk SMS, short codes, and premium SMS, USSD, MMS, and customized mobile messaging solutions for individuals, businesses, and developers. With the API developers, it can connect a short code, use an alphanumeric sender id, and send SMS messages across Kenya. Africa's Talking’s users need to register to access documentation.   Africa's Talking was established in 2010 by Eston Kimani and Samuel Gikandi, two MIT graduates to explore applications that enhance the growth and use of information technology in and for Africa. It is based in Nairobi.

Bryj (pronounced bridge) is a full-lifecycle enterprise mobile app solution for any app store worldwide. From idea to ongoing success, customers benefit from the Bryj single source solution of its platform and expert team included with one subscription. Bry powers and grows apps that seamlessly connect enterprise systems, provide intelligent analytics and Al, advanced UX marketing tools, app configurator studio, and a world-class customer experience. Trusted by leading technology partners like Salesforce and Microsoft, Bryj has experienced trillions of user engagements, powered billions of app sessions, and championed hundreds of apps.  Bryj (formerly FollowAnalytics)., was founded in Paris, France, in 2013 and moved its headquartered to Silicon Valley in 2022.

Actility is an industry leader in Low Power Wide Area Networks (LPWAN). ThingPark by Actility offers a carrier-grade IoT platform, with a growing ecosystem of partners; low-power, long-range wireless networks for sensors and devices; an operating system and middleware that enables web applications to connect seamlessly with data from different sensors; and a B2B e-commerce market featuring tested and approved IoT device, connectivity, and application partners. Actility is a founding member of the LoRa Alliance™.

Famoco provides a secure ecosystem allowing organizations to deploy their business applications quickly and seamlessly. Famoco designs corporate-owned devices with zero-street-value, based on a privacy-oriented Android OS for Enterprise, remotely manageable from one SaaS platform. It facilitates the application deployments and secures data capture for mobile payments, public transport, and identity verification (KYC) and mobile workforce management. Organizations can configure device profiles, push apps, track their location and add custom branding from a Famoco MDM. Today, Famoco is expanding worldwide and has deployed more than 250,000 devices in over 35 countries.

Wynd specializes in cloud-based PoS solutions for restaurants, hospitality and retail industries. They enable retailers to deliver seamless, omnichannel shopping experiences to consumers with a SaaS cash-in management and logistics solution. They also provide an integrated business intelligence module to provide regular insights and reports on sales and customers.

SecBI gives security analysts the intelligence they need to investigate and respond faster. We’re putting the latest advances in machine learning to work – refining, contextualizing and prioritizing the most valuable information from all of your SIEM and log data so that everything you need is at your fingertips.  Then, based on our data analysis and your investigation, we provide highly targeted remediation recommendations that show you exactly what traffic will be blocked and how it will impact your users.

PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile security technology gives customers the ability to afford their first smartphone on credit, using the phone itself as collateral, and then provides further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being. Founded in 2015, today PayJoy has reached over 10 million of customers in emerging markets around the globe, including Mexico, Brazil, Colombia, Ecuador, Panama, Peru, and South Africa, and is solidly profitable and growing.

BandwidthX provides cloud services to unlock existing capacity in mobile networks. The increase in efficiency and utilization extends the capacity and coverage of data networks, creates CapEx and OpEx savings, and enhances mobile connectivity for mobile subscribers. Our initial business growth was based on Wi-Fi capacity with tens of millions of mobile devices and access points active on our platform. We have since expanded our services to cellular capacity (LTE and 5G) with the Xpacity platform. It has opened a completely new dimension in network management and optimization for Mobile Network Operators. The company was founded in 2011 and is headquartered in Carlsbad, CA, USA.

Kisskissbankbank is a crowdfunding platform dedicated to creative and innovative ideas. It fosters connections between project creators and potential contributors passionate about creativity.

Veniam is accelerating future mobility and making places more human by delivering intelligent networking software for delivery fleets, dash-cams, telematics providers, connected cars, autonomous vehicles, and other mobile IoT devices. With an IP portfolio of more than 140 issued patents, Veniam makes the most out of all available networks (4G/5G, Wi-Fi, V2X, etc.), moving massive amounts of data between vehicles and the cloud -- all with the lowest GB price, quality of service and security profiles. Best known for its mobile Wi-Fi offload solution and city scale vehicle mesh networks, Veniam works closely with the world’s largest fleets, Auto OEMs, and Tier 1 suppliers. Ultimately, Veniam's purpose is to improve the lives of millions of people by securely managing the data flows of a new and emerging mobility ecosystem – the Internet of Moving Things – in which connected vehicles not only move people and goods more efficiently but also expand Internet coverage, deliver new human experiences and gather valuable data for smart city applications. Named by CNBC and NASDAQ as one of the 50 most disruptive companies in the world, Veniam is a global company with headquarters in the United States, Engineering Center in Porto, Portugal, and sales offices in Detroit, Munich, and Tokyo. It was founded in 2012 and is headquartered in Mountain View, California.

WEVR is a developer of a technology platform used to offer virtual reality content. Its technology uses immersive computing and real-time massively scalable simulations to create immersive entertainment experiences that enable digital artists and developers to produce and publish digital media for virtual reality devices. It creates transcendent immersive stories and globally shared experiences. WEVR was founded in 2010 and is headquartered in Venice, California.

Afrostream is subscription video on demand (SVOD)  which provides millions of fans with unlimited access to Afro-American and African movies and TV series. There are people everywhere around the world who would love to watch blacks films: they love black culture. For example in Africa, the immense demand for content – local and international – is still far from being met. There are one billion people in Africa, some 300 million of which have or will soon have broadband internet access. Pay-TV services only service about 8-to-10 million households. They bring black entertainment to passionate viewers on multiple-screens (PC, Smartphone, Tablet…). Afrostream distributes feature films, independent films, TV-series and stand-up comedies.

Chain built cryptographic ledger systems to make financial services smarter, more secure, and more connected. Customers included market leaders like Visa, Nasdaq, and Citigroup as well as start-ups building novel financial products

Afrimarket is an innovative Money Transfer operator with a cash-to-goods approach, helping African migrants remit dedicated funds to Africa at a fraction of current money transfer costs.  Afrimarket enables African migrants to send dedicated funds to their families back home at a fraction of the price of traditional money transfer giants. In 2012, African migrant workers sent nearly US $60 billion in remittances to support their families.  African migrants face two challenges when remitting funds.  - First, the cost. Africans pay more to send money home than any other migrant group. In fact, the average cost of sending money to Africa is almost 12 percent, much higher than the global average of 8.96 percent. - Second, part of the money that manages to make it home is not used for its intended purpose – rather, it can be diverted or lost to other needs deemed by the recipient to be more important.  Afrimarket allows migrants to remit dedicated funds at specific point of sales where they can buy food, medicine or pay for tuition fees. Cutting out money transfer agents and other middlemen in favor of mobile phones, the Afrimarket platform is able to drive down fees for remittance senders, and thereby increase the amount of money that reaches the intended recipient.  To send dedicated funds via Afrimarket, migrant workers simply need to log into their online Afrimarket account (soon to expand to brick-and-mortar agents in sending countries), enter their payment information, specify the recipients’ phone number, choose a specific point-of-sale for funds to be received, and click send.  What distinguishes Afrimarket from other mobile remittance platforms is what happens on the recipient end. Through the platform, money is transferred from the sender's Afrimarket digital account in the form of credit (rather than cash), which can only be redeemed at designated point-of-sales, and used for specific purposes.

Openet provides the most robust, extensible and innovative Service Optimization Software to communication and media service providers worldwide, enabling them to control, monetize and increase visibility into the usage of services and network resources. Their software-based solutions empower operators to create new business models, simplify and personalize the subscriber experience, and maximize the value of network resources as they transform their legacy infrastructures to embrace the challenges to LTE, cloud computing, and other “next generation” business opportunities.

Orange Ventures is a venture fund investing in areas of Orange expertise and beyond, with financial objectives in line with VC industry standards. With 350m€ assets under management, Orange Ventures is in the top 10 corporate ventures in Europe with an investment strategy focused on helping future global tech champions, fostering innovation in the Middle East and Africa, and supporting new sustainable and responsible business models.

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