Michelle Beyo’s Post

🏆 5000 EUR to Win 🏆 In our effort to grow the FinTech ecosystem of the Baltics, Tenity, will be supporting WindHackers with a Hackathon on the topic of FinTech to tackle hot topics in the FinTech Realm. These trending issues align closely with our recent investments: 1. Crowdfunding: Arcton 2. Fraud detection: Finterai 3. Smart Contracts: KuraTech 4. Data Insights: Sweephy 5. Personalized Banking 6. Financial literacy: Daysave Together with, Uve Poom, Morten Rongaard, Tina Luse, Marine Krasovska, Marta Rautenschild, Karlis Skuja we will be advising, supporting and mentoring early-stage companies! You are welcome to join, if you have moved beyond the ideation stage and have started shaping your solutions. The key criterion here is that the team's solutions should not yet be commercially available. So it's perfect for early-stage start-ups that are still refining their product or service. It's an opportunity to test, validate, and enhance your fintech solutions in a nurturing environment.

Last year, I made a radical career change to get one step closer to what I believe is my life’s work: Push forward economic opportunities in a part of the world where I’m from - The Caribbean and Central America. From my time investing in venture, I have seen the power of technology to birth new opportunities for communities and invigorate generations of people to build a world that is better for them. Unfortunately, however, The Caribbean and Central America continue to be left behind in this technological race for change. In many regards, the cards are stacked against us — small and fragmented populations, lack of technology funding, and misconceptions around what types of countries can support a venture funded business. Last week, I traveled to the Fintech Islands conference in Barbados and saw what I always knew had the potential to exist in our region: Fintech companies creating innovating models to support our region of the Caribbean while making attractive returns for global investors. At Fix24, Alfredo Lopez (my co-founder) and I, debuted Onest, a company that we have been developing during the last 5 months and walked away with the 2nd Top Prize for interesting innovations with the ability to change the future of our region. At Onest, we’re using AI to underwrite credit for low-income communities and put credit in the hands of people that need it the most. We also use gamification and behavioral science to nudge positive behaviour so that our consumers can better understand how to manage their credit and unlock additional financial products in the future. Being at Fix24 and winning this award from global fintech investors is one of the first steps in our journey to help almost 80 million people across The Caribbean and Central America to achieve their dreams. #fintech #startup #innovation #latam

⚡European Fintech ecosystem is truly inspiring💡 Today, Akash Bajwa from Earlybird Venture Capital and I, from Accend (YC S23), had the pleasure of hosting a Fintech Founders & Operators Breakfast at Money20/20 in Amsterdam. The European fintech ecosystem is truly remarkable – the atmosphere was electric with enthusiasm and camaraderie. We delved into conversations about finance, the ever-changing regulatory landscape, and the exciting role of AI in our industry. But it wasn’t all business — we also shared personal stories, podcast recommendations, and discussed the joys and challenges of balancing life and work. The most intriguing part was witnessing the power of collaboration and a shared vision in driving the fintech industry forward. Bringing together such a distinguished group of thought leaders sparked meaningful conversations and forged new connections, reinforcing the importance of community in our fast-paced sector. A big thank you to everyone who joined us and made the morning so special. Your insights and experiences are what make our community vibrant and dynamic. 🌐 Hannah Becher Akash Bajwa Celin P. Bob Rode Kun Konstantin Kotulla Also, I will be in Europe/UK all of June 2024 to meet with Accend (YC S23)'s existing and prospective customers. If you're a fintech leader in London, Berlin, Copenhagen, Paris, Rome, etc., I would love to meet up and talk AI, Onboarding, Compliance and fintech trends. 🚀 #Fintech #Innovation #Europe #AI #Regulation #Money2020

✨ Last week, our Co-CEO Larry Galan and CFO Karlin VanMoorleghem had the incredible opportunity to attend the 2024 Fintech Meetup in Las Vegas, bringing together the brightest minds in the FinTech sector. Here are some key takeaways: 🤖 AI Cambrian FinTech Explosion: Many new start-ups are now leveraging AI to revolutionize all corners of the FinTech sector from small niche applications to consumer finance, automated reporting, and fraud detection. 📍 Startup Diversity: Start-up geographical diversity is increasing. More and more start-ups are emerging outside regional hubs like San Francisco, Austin, and New York. 💰 Fundraising Shakeup: Private equity funds are increasingly playing a bigger role in start-up funding rounds, and the outlook for differentiated FinTech companies appears favorable. #FintechMeetup #Networking #FutureOfFinance #EnergyInvesting #techtransformation #Energia #EnergyFinance

In fintech, the enduring winners build moats from technology, not just capital. A few points on this: ➞ Fintech encompasses wildly diverse business models with varied outlooks. Blindly chasing the latest hype often ends badly. ➞ Valuations swing wildly between private and public markets. "Locals" focus on long-term value creation. ➞ Interest rates make or break many fintechs. Locals spot rate-sensitive business models and adjust accordingly. ➞ Early traction provides little signal in some fintech niches. Locals emphasize sustainable differentiation. ➞ The best founders boast deep industry expertise. Locals back tested veterans over brash newcomers. ➞ Regulation remains fintech’s ultimate gatekeeper. Locals incorporate compliance from day one. Locals recognize software and data’s potential to transform financial services. Tourists chase the new shiny object. This perspective shapes all our investments at Foundation Capital. The key is experience and discernment. Thoughts? If you want to discuss further, comment or DM me! 📩

🚀 You Can't Miss This Exclusive Finimize Event: Unlock the Future of Fintech If you're working in product/marketing at a fintech, you can't miss this. Please sign up in the comments 👇 Join us for a groundbreaking session with Lightyear's co-founder Martin Sokk and Shares' co-founder Harjas SINGH, two of the UK's most visionary fintech founders. With their roots in Wise and Revolut, they're now leading the charge in crafting Europe's most user-focused investment platforms. This is your chance to dive deep into the minds shaping the future of fintech. 🔹 Shares is redefining investing with a community-first approach, prioritizing education and engagement to empower new investors. Discover the strategy that's opening up new markets and making investing accessible to all. 🔹 Lightyear is setting the new standard with its transparent pricing model - just 0.35% on FX, no execution fees on ETFs, and unbeatable interest rates on cash. They're expanding the horizons of investing across Europe, making financial growth accessible to everyone. 💡 Exclusive Insights: Learning from the Best This event isn't just about networking; it's a rare opportunity to gain firsthand insights from the forefront of financial innovation. We'll explore how fintechs can enhance customer acquisition, engagement, and retention, straight from the pioneers of the industry. 🌱 Growing Together: Finimize for Business As Finimize for Business flourishes, we're thrilled to see a vibrant community of industry professionals gathering around our events and content. It's a throwback to the early, exciting days of Finimize, and it's only getting better. 📅 Mark Your Calendar: March 20th, Spitalfields London This intimate event, limited to 50 participants, promises an unparalleled opportunity to connect with the brightest minds in fintech. Whether you're in product, marketing, or simply fascinated by fintech, this is where you need to be. 🤝 Join Us: Elevate Your Brand Interested in showcasing your brand or CEO in our Future of Finance series? Let's talk. This is your chance to shine in the fintech spotlight. 👇 Secure Your Spot Don't miss out on this exclusive fintech rendezvous. Sign up in the comments below and be part of the conversation shaping the future of finance.

After weeks on the road meeting with our customer markets in the US, it's nice to have the TODAQ Micro team back in Toronto for Collision Conf. Drop by our exhibition floor booth on 20 June to check out real-time, one-TAPP, pay-as-you-go, web micropayments that can work for the subscription fatigued consumer or business customer. ✅ Turn the long tail of app and site visitors that abandon when they hit a subscription paywall into customers. ✅ Enable your AI agents and chat bots to close sales. ✅ Instantly pay out your supply chain after receiving a payment to cut out billing, invoicing and back office costs. ✅ Turn ads into point of sale. ✅ Remove interchange and processing fees. ✅ Activate instant payouts for loyalty rewards, ad viewing, gaming, or data fair exchange for merchants. TAPP micropayments is asset agnostic, all forms of monetary, prepaid, e-giftcard, coupon, credit, and reward point assets can be supported.

AltHub will be at the Empire Startups - Everything FinTech conference tomorrow. If you are attending, give me a shout, and let's meet up! #fintech #data #NYFinTechWeek

We are looking forward to learning about new developments in FinTech at the Empire Startups - Everything FinTech conference tomorrow! Connect with Jordan Pasternak if you are interested in learning how AltHub can help you on your journey to data monetization. #NYFinTechWeek #alternativedata #dataanalytics

🚀 Brace yourselves for Fintech Sandbox Demo Day(s) on April 9 & 11, where you'll catch a glimpse of the future of employee engagement with Tenure! Why You Can't Miss This: 🤫 Top-Secret Reveal: Get the scoop on our game-changing product that's rewriting the engagement rulebook. Think hyper-personalized employee work experience! 🔍 Exclusive Sneak Peek: Can't wait? Future partners in insurance, banking, and investment, slide into our DMs for a private preview! Join Us and Lead the Pack: With Tenure and 11 other fintech trailblazers unveiling their solutions, this ain't your average demo day—it's a peek into the fintech future! Ready to Shake Things Up? Reserve your spot to witness Tenures innovative, hyper-personalizated employee rewards and benefits platform. 💬 Let's Connect! DM us now to schedule an early meeting and dive into the future of employee engagement together. Tenure is more than a platform; it's the future of work where employee experiences are hyper-personalized.