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Deriving insights from uncommon data streams

Alternative Data

Enigma Technologies is a data science company that specializes in providing comprehensive intelligence on the financial health and identity of over 30 million small and medium-sized businesses (SMBs) across the US. The company's proprietary machine learning algorithms combine data from hundreds of public and private sources to offer a holistic view of the revenues, growth, and detailed firmographic information of SMBs.
Enigma's core offering is its advanced data analytics and risk modeling solutions for financial institutions. By leveraging Enigma's data insights, lenders can make more informed decisions when extending credit to SMBs, a segment that has traditionally faced challenges in securing financing due to the lack of reliable data on their business health. Enigma's solutions empower community and regional banks to efficiently originate, monitor, and securitize small business loans, ultimately lowering the cost of capital for SMBs.
In January 2022, Enigma spun off a new lending platform called Prime to further broaden access to its data analytics capabilities. Prime provides a dashboard that allows banks to upload their loan books and access advanced indicators like Enigma's data on business revenue and growth, enabling them to make risk and lending decisions more efficiently and confidently. Prime launched with a funding commitment of USD 49 million from partners including Capital One, Third Point Ventures, Customers Bank, and NEA.

Empathy is a platform for families to deal with the loss of their people. Empathy combines technology and human support to provide a digital companion application built to empower bereaved families.

Bolttech is an InsurTech company developing an AI-based point-of-sale insurance platform to offer a technology-enabled ecosystem for protection and insurance. Its platform also offers device protection, travel, motor, property, and life insurance, as well as digital insurance, to consumers.

Home Lending Pal charges lenders monthly to implement fairness solutions to increase fairness and profits. We remove preconceived notions from lenders that increased fairness equals decreased profits while building trust and engagement with marginalized communities. Our monthly software + CRA Qualifying Marketing fees for banks aim to increase compliance, speed, and readiness through automation. HLP customer success teams lead marketing optimizations to increase application volumes, approval, and take rates.

Finclude develops a unique pan-European credit scoring system that allows businesses to assess consumers in a universal way based on their transactional behavior, regardless if they have a credit history or not.

Minerva Neurosciences is a clinical-stage biopharmaceutical company focused on the development and commercialization of a portfolio of product candidates to treat central nervous system (CNS) diseases. Our goal is to transform the lives of patients with improved therapeutic options and a patient-centric focus. Leveraging extensive domain expertise, we have identified and acquired or in-licensed a portfolio of development-stage proprietary compounds with innovative mechanisms of action.

​Monetus is redefining investing in Brazil. Combining state of the art technology, design and data, Monetus offers an incredible investment experience — one that's simple, profitable and secure. For everyone. Using principles of behavioral economics, modern portfolio theory and machine learning, topped off by an amazing customer experience, we build a diversified investment portfolio on your behalf and guide you to achieving your financial goals much faster.

MicroVest is an asset management firm that offers investors a unique global investment opportunity.

Hip Money is a Brisbane Australia based Financial Technology (FinTech) company designed to create software to improve the financial health and wellness of Australians. It was originally formed after receiving the Advance Queensland Hot DesQ grant in October of 2017. In May of 2018, we were proud to announce a year-long engagement with Bank of Queensland to work directly with their innovation team to help their customers save more money and increase their financial well being.

Wireless Infrastructure Group is an independent infrastructure company. We build and operate communication towers and other wireless infrastructure to enable the connection between networks and the communities that rely on their services.  WIG was launched as an independent infrastructure company in 2006.  The telecoms sector is dominated by a handful of very large companies and WIG has brought competition, innovation and greater efficiency to the market. The business has grown steadily on the back of significant investment and an entrepreneurial approach to developing shared wireless infrastructure.  AlvahSince 2006 we have built new infrastructure across the UK and also acquired under-managed infrastructure from a wide range of sources including utilities, mobile operators and police forces.  We now have more than 2,000 shared communication infrastructure assets in our portfolio and have recently started operations in Republic of Ireland and the Netherlands.

Frollo is a purpose driven fintech organisation on a mission to help improve people’s lives through increased financial wellbeing. This means simplifying and automating the process of getting ahead with their finances through providing actionable insights, gamification and being part of our community.  Frollo is delivering on this mission by offering a free financial wellbeing app to both customers as well as small businesses in the app store (iOS and Android). The Frollo app has been awarded winner of Metlife Financial Inclusion and Top 50 in the world for Financial Inclusion.  Frollo also partners with financial institutions to help them innovate, build out their feature set and quickly take new features to market through an API enabled platform. The platform already leverages open banking data and supports an easy implementation through an API platform.  Frollo has been selected as one of only 10 companies in Australia to work on the Government Open Banking Pilot and GDR compliance.

Enigma Technologies, a New York-based data science company, is building the future of small business intelligence. Enigma provides timely, accurate insights on the identity, activity, and risk profile of every small business. From evaluating insurance risk to fraud prevention, Enigma helps businesses better serve their SMB customers. Leading organizations, including American Express, Truist, and PayPal depend on Enigma to power the daily decisions that matter.

OpSeeker is a web application that allows you to improve your investments and savings using fictitious money and helps you improve your financial health. Using fictitious money, OpSeeker can simulate your long term investments. That way we work with the most important variable in investment - the psychological one.

Change Machine builds financial security for low-income communities for people-powered technology. We champion the aspirations of individuals who are most economically disadvantaged by oppressive public policies and practices. Since our founding in 2005, our products and practices have set the national standard for inclusive financial coaching. Over 6,000 practitioners across 46 states have used our platform to build their practice, connect with each other, and amplify their impact.

MetLife provides a variety of insurance and financial services products, including life, dental, disability, and long-term care insurance, various annuity products, and auto and home insurance. Within the United States, it also provides a range of savings and mortgage banking products. The company's segments include Insurance Products (group life, individual life, and non-medical health insurance products), Retirement Products (individual and institutional annuity products), Corporate Benefit Funding (pension closeouts, structured settlements, and other benefit funding solutions), Auto and Home segment, International, as well as Banking, Corporate and Other.  MetLife is the holding corporation for the Metropolitan Life Insurance Company, or MetLife, for short, and its affiliates. MetLife is among the largest global providers of insurance, annuities, and employee benefit programs, with 90 million customers in over 60 countries. The firm was founded on March 24, 1868. On January 6, 1915, MetLife completed the mutualization process, changing from a stock life insurance company owned by individuals to a mutual company operating without external shareholders and for the benefit of policyholders. The company went public in 2000. Through its subsidiaries and affiliates, MetLife holds leading market positions in the United States, Japan, Latin America, Asia’s Pacific region, Europe, and the Middle East. MetLife is the largest life insurer in the United States and serves 90 of the largest Fortune 500 companies. The company’s principal offices are located at 1095 Avenue of the Americas in Midtown Manhattan, New York City, though it retains some executive offices and its boardroom in the MetLife Building, located at 200 Park Avenue, New York City, which is sold in 2005. It operates throughout the United States and the regions of Latin America, Asia Pacific and Europe, the Middle East, and India (EMEI).

<div> MetLife Inc. (NYSE: MET) is a global financial services company providing insurance, employee benefits, annuities, and asset management services. As of <a href="https://www.statista.com/statistics/208099/largest-life-insurance-companies-usa-by-market-cap/#:~:text=MetLife%20was%20the%20largest%20life,to%2051%20billion%20U.S.%20dollars."> January 2024 </a> , MetLife was the largest life insurance provider in the US by market capitalization, which amounted to USD 51 billion. MetLife generated USD 51.9 billion in adjusted premiums in 2023 and revenue of USD 66.9 billion. MetLife operates under six segments. The Group Benefits (~49% of total adjusted premiums in 2023) and Retirement and Income Solutions (RIS; ~19% of total adjusted premiums in 2023) segments provide a range of insurance and financial products in the US. Other segments are Asia (~12% of total adjusted premiums in 2023), Latin America (~10% of total adjusted premiums in 2023), the Middle East and Africa (EMEA; ~5% of total adjusted premiums in 2023), and MetLife Holdings (~7% of total adjusted premiums in 2023). The company serves around 100 million customers in nearly 50 countries (2023). MetLife has introduced its Next Horizon Strategy to optimize its resource allocation and create a sustainable competitive advantage. The company has also set a 2050 net-zero target. </div>

MetLife's Treatment of Female VP Not Discrimination, Retaliation

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Pet ownership is at an all time high in the United States and the pet care economy is booming.

Pet Care Tech

Companies that provide digital veterinary platforms to connect pet owners directly with online veterinary services.

Companies that provide mobile-based platforms to match pet owners with providers of pet services such as pet boarding, pet sitting, and dog walking.

Startups that offer innovative insurance solutions via digital platforms specialized for pet insurance coverage.

Companies that develop and offer technological solutions, such as self-cleaning tech, smart feeding devices, and interactive toys, to enhance and monitor pets' health and well-being.

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

InsurTech: Personal Lines

Startups in the automobile insurance space, predominantly providing usage-based insurance using telematics devices and/or smartphone sensors.

Startups that offer homeowners and renters insurance using artificial intelligence (AI) and smart home devices to issue policies and validate claims.

Startups that provide life insurance through digital channels personalized to an individual’s circumstances and replacing traditional practices, such as medical tests, with data-driven underwriting.

Companies that offer personal line covers for travel and pets through digital channels and use technologies such as flight tracking and online claims processing.

Providers of comparison websites and tools for carriers, agents, and insurers to compare and purchase policies.

Companies that provide personalized health insurance to consumers via digital channels and use technology such as wearable medical devices to monitor health and improve user experience and underwriting.

Companies that offer digital-only insurance for personal belongings (bicycles, mobile phones, laptops, and cameras), providing protection against theft, loss, or damage, with financial reimbursement or replacement.

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