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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.

Automate All Your Sales & Marketing Tasks with Us! Led by our expert engineers, qodek is committed to simplifying your marketing processes, offering services ranging from web scraping to CRM enhancement and account mapping, and more.

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™.

Airalo is an eSIM store for travelers to access eSIMs for 190+ countries and regions at the most affordable, local rates from around the world, all via eSIM-compatible smartphone, tablet, or PC. Airalo offers users both connectivity and freedom - they’ll never have to carry multiple SIM cards or change their number again, no matter where they are in the world.

Paps is a transport and logistics company that offers innovative distribution and delivery solutions to companies and merchants. The company's e-commerce platform helps companies and traders with scheduling and tracking deliveries on a real-time basis. It offers the distribution of documents and parcels, storage of goods in a secure warehouse that meets standards, and delivery of insured parcels in relay point or last mile. It also provides professional services such as management and repayment of cash on delivery, provision of couriers, management of returns, collection, and periodic reporting. The Dakar, Dakar, Senegal-based company was founded in 2016

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.

AUI Techno manufactures smart innovative incubators for new born babies.

J-Palm Liberia offers a range of products, including soaps like banana kiwi, chocolate mint, and baobab facial sets, as well as cooking oils, hair and skin care items, mixed sets, oils, lotions, and butters.

Deezer connects 14 million active users around the world to over 53 million tracks. Available in more than 180 countries worldwide, Deezer gives instant access to the most diverse global music streaming catalogue on any device. Deezer is the only music streaming service with Flow, the unique mix of all your old favorites and new recommendations in one ever-changing stream. Based on an intuitive, proprietary algorithm and created by people who love music, it’s the only place to hear all your music back-to-back with fresh discoveries tailored to you. Deezer is available on your favorite device, including smartphone, tablet, PC, laptop, home sound system, connected car or smart TV. Deezer was founded by [Jonathan Benassaya](http://www.crunchbase.com/person/jonathan-benassaya) and [Daniel Marhely](http://www.crunchbase.com/person/daniel-marhely) in August 2006.

Main One Cable Company Nigeria Ltd. provides wholesale bandwidth telecommunications services and land cables to telecom operators and Internet service providers in Nigeria and Ghana.   The company is based in Lagos, Nigeria with an additional office in Accra, Ghana. Main One Cable Company Nigeria Ltd. operates as a subsidiary of Main One Cable Company Mauritius.

Imaginators is an online platform that helps people to showcase their work professionally and interactively. Now you can build your online portfolio and create interactive presentations for your work just by dragging and dropping needed elements and customizing the design of your presentation. You can add animations and several content visualizing elements in your presentation to make it catchy.

Jumia Group connects consumers and businesses across Africa and beyond. Through their online platforms, consumers can access a wide range of products and services, from basic consumer goods to online travel. Jumia Group helps them save time and save money. Businesses use Jumia in order to distribute their products and services in a more efficient and scalable way, and helps them grow their business and benefit from the massive shift of consumers to online. Jumia Group aims to transform people's lives through technology. Jumia Group is embracing the digital shift of the entire African economy and supporting the growth of African companies while expanding their horizons. More than 50,000 local African companies and individuals have partnered with Jumia. Jumia Group is opening new opportunities for talented people by creating jobs and developing new skills in the continent. Jumia Group directly provide 3,000 jobs and many more through sellers and logistics partners. Jumia Group is committed to creating sustainable impact in Africa.

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.

At Chronos we are building tools to help users make better real-world decisions through passively collected data.   Our first offering is a mobile app that automatically captures how you spend your time. The app runs in the background on your phone and shows you where you've been, how much time you’ve spent amongst different activities (e.g., exercising, working), as well as how long you’ve hung out with specific friends. The app also allows you to set time-related goals (e.g., go to sleep before midnight) and helps motivate you to achieve those goals.  Going forward, we are working to integrate a wide range of data sources to become the one-stop shop for all of your passively-collected personal data. This allows us to surface insights across isolated verticals (e.g., how the time you spend commuting affects your sleep patterns).

Founded in 2000, G-cluster Global Corporation is the first, largest, most scalable and proven multi-platform cloud gaming service, available to more than eight million game players worldwide. G-cluster provides a fully-featured white label service offering casual and AAA games playable over broadband networks, regardless of the device used to access the service: TV, tablet, mobile or PC. The company's client base includes Broadmedia Corporation, SFR and Orange, and content partnerships with leading game studios such as Disney, Ubisoft and Warner Bros. G-cluster is headquartered in Tokyo, with offices in Pittsburgh, Penn., Espoo, Finland and Paris.

SavaJe Technologies, Inc. provides operating system to support handhelds and wireless devices. It offers SavaJe OS, a wireless Java solution. The company serves information appliances, including smart phones, hand-held computers, personal digital assistants, set-top boxes, and Web pads. SavaJe Technologies, Inc. was founded in 1999 and is headquartered in Chelmsford, Massachusetts.

Orange is a digital operator that offers mobile and internet services in Europe and Africa, and corporate telecommunication services worldwide. The group operates under the brand name Orange Business Services, both in France and internationally, in the business communication and IT services markets. Orange Business Services offers a range of services to large corporates, local authorities, and SMEs in France, as well as to multinationals around the world, supporting the implementation of their communication projects. To do so, OBS offers a full range of voice and data, IT, and integrated services. The Orange Fabs is an international network of startup drivers that provides startups in the digital space with advice, training, and events, as well as resources and expertise. Orange was founded in 1991 and is headquartered in Paris, France with a presence in 30 countries.

<div> Orange S.A. (Euronext: ORA) is a leading telecommunications operator headquartered in Paris, France. The company provides mobile telephony, fixed broadband and landline telephone services, as well as digital TV offerings to consumers and businesses across Europe, Africa and the Middle East. Orange traces its roots back to France T&eacute;l&eacute;com, which was established in 1988 when the French government separated the country's postal and telecommunications services. France T&eacute;l&eacute;com acquired the UK mobile operator Orange in 2000 and gradually adopted the Orange brand across its operations, officially changing its name to Orange S.A. in 2013. Today, Orange serves 287 million customers worldwide as of December 2023. Orange offers a range of telecommunications services including: <ul> <li> Mobile phone plans with options for prepaid and postpaid contracts </li> <li> Fixed broadband internet via fiber optic and ADSL technologies </li> <li> Landline telephone services </li> <li> Digital TV packages </li> <li> Business services including unified communications and cybersecurity solutions </li> <li> Mobile financial services through Orange Bank and Orange Money </li> </ul> Orange has maintained its position as the market leader in France, with the company ranked as having the best mobile network quality for 13 consecutive years. The company has also expanded its presence internationally, particularly in Africa and the Middle East. In March 2024, Orange completed a merger of its Spanish operations with competitor MASMOVIL to create MASORANGE, the leading operator in Spain by customer numbers. </div>

Will open RAN help tackle Orange's sins of emission? It's complicated...

Orange Ventures

Platforms offering digital checking and savings accounts that target all types of individual consumers

Platforms offering digital checking and savings accounts that target businesses and freelancers

Platforms offering loans and/or other forms of credit to consumers, solely via digital channels

Platforms offering loans and/or other forms of credit to businesses, solely via digital channels

Platforms offering digital checking and savings accounts that target niche consumer segments with specific interests such as kids, teens, and ethnic minority groups

New data privacy regulations have opened up space for a new wave of compliance-focused startups.

Digital Privacy Tools

INCUMBENTS_PRESENT

<div>
 Orange S.A., a telecom provider in France, has been fined EUR 50 million by the country's data privacy regulator, CNIL. This fine is due to Orange displaying unwanted ads in users' email inboxes without gaining consent first, which breaks the French Post and Electronic Communications Code.
 Despite users withdrawing consent, the company continued to monitor their web activities through the use of tracking cookies. This violates the French Data Protection Act, since Orange failed to put technical measures in place to prevent tracking by either itself or its partners.
 The company plans to appeal against this decision, arguing that the fine is not proportionate and that its practices are commonplace in the market. Orange remains steadfast in its claim that no customer data was used without gaining consent beforehand.
 Due to its status as France's leading telecommunications operator, CNIL justifies the hefty fine imposed on Orange.
 
</div>

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