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These are the Top Fintech (Financial Technology) Companies in The UK (2021)

This article showcases our top picks for the best The UK based Fintech (Financial Technology) companies. These startups and companies are taking a variety of approaches to innovating the Fintech (Financial Technology) industry, but are all exceptional companies well worth a follow.

We tried to pick companies across the size spectrum from cutting edge startups to established brands.

We selected these startups and companies for exceptional performance in one of these categories:

  • Innovation
    • Innovative ideas
    • Innovative route to market
    • Innovative product
  • Growth
    • Exceptional growth
    • Exceptional growth strategy
  • Management
  • Societal impact

Top The UK Fintech (Financial Technology) Companies

Data sourced from Crunchbase and SemRush.

Crowdcube

Crowdcube

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Crowdcube is an equity crowdfunding platform for entrepreneurs of start-ups and growing businesses. Crowdcube enables individuals to invest or loan in small companies in return for equity or an annual return.

As an investment crowdfunding platform, Crowdcube enables entrepreneurs to raise finance with the added benefit of being backed by the crowd. For investors, Crowdcube provides a way to handpick a stake in an innovative business that traditionally would have been restricted to corporate investors.

Since Crowdcube first pioneered equity crowdfunding in 2011, a total of £300m has been invested through the platform from a crowd of over 390,000 investors, with more than £230m successfully invested in 520 raises. Businesses like the challenger bank Monzo, which raised £1 million in a record-breaking 96 seconds, as well as household brand names such as River Cottage and the Eden Project along with venture capital-backed businesses such as JustPark, eMoov and Sugru have all successfully raised growth funding from the crowd..

GoCardless

GoCardless

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GoCardless is the global leader in recurring payments. GoCardless’ global payments network and technology platform take the pain out of getting paid for businesses with recurring revenue.

More than 40,000 businesses worldwide, from multinational corporations to SMBs, transact through GoCardless each month, and the business processes $10bn of payments each year. GoCardless now has four offices in the UK, France, Australia, and Germany..

TransferWise

TransferWise

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TransferWise is a money transfer service allowing private individuals and businesses to send money abroad without hidden charges.

TradingView

TradingView

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TradingView is the world’s most popular network of traders and investors – powered by real-time data and market-leading analysis software. It’s a word-of-mouth success story: from TechStars in Chicago in 2013, to over 15 million monthly active site users and over 40,000 publishers, brokerages, and fintechs utilizing its investing tools.

TradingView is a global team of over 200+, founded by Stan Bokov, Denis Globa and Constantin Ivanov. In 2018 TradingView completed a $37 million Series B round led by Insight Partners, and in 2019 they acquired TradeIT in order to accelerate the company’s existing vision..

Starling Bank

Starling Bank

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Starling Bank provides a mobile banking application and a debit card that enable users to manage their finances. Its application allows users to send money to their friends, save together for trips, and have total control at their fingertips.

Anne Boden founded Starling FS in 2014 that became Starling Bank in July 2016. It has its headquarters in London in the United Kingdom..

Checkout.com

Checkout.com

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Checkout.com provides fintech companies with a cross-border payment solution for digital commerce. The business offers direct access to domestic acquiring across payment methods and geographies, including all major credit and debit cards, online banking, PayPal, Apple Pay, and other eWallets.

This is achieved through a unified integrated platform which also provides fraud management tools, analytics, and comprehensive reporting features.. .

Railsbank

Railsbank

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Railsbank is an open banking API and a banking-as-a-service platform that gives regulated and un-regulated companies access to global banking. The platform provides fintech companies with a range of wholesale banking services, including IBANs, receiving money, sending money, converting money, direct debit, issuing cards, and managing credit through APIs.

It also enables marketers, product managers, and developers to take their financial product prototype, launch, and scale their vision using its open finance platform, financial operations, regulatory licensing, and rich set of APIs. Railsbank was founded in 2015 by Nigel Verdon and Clive Mitchell and is based in London, England..

Monzo

Monzo

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Monzo is a digital-only bank platform and marketplace that allows customers to access a range of products and services.

Curve

Curve

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Curve is an over-the-top banking platform, consolidating all your cards and accounts into one smart card and even smarter app. It allows customers to supercharge their legacy banks to the 21st century without leaving their bank or topping-up.

Curve offers a host of benefits to its customers; it makes all your cards fee-free when spending abroad, you get instant notifications and categorisation of spend, you can earn instant 1% cashback at the likes of Amazon, Uber, Netflix and Sainsbury’s and Time Travel enables customers to swap spend to a different card in the app for up to two weeks after the purchase was made. Curve also offers Curve Customer Protection, a policy that covers all credit and debit card payments made via the Curve card up to £100,000, giving cardholders an extra layer of protection for disputes with merchants and any unauthorised use of their Curve card.

Whether you have a Curve Metal card, Curve Black card or Curve Blue card, Curve Customer Protection offers you a better level of protection in many ways – filling in the gaps that Section 75 leaves.. .

Pockit

Pockit

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Pockit is a fintech business that focuses on providing financial services primarily to customers who are typically excluded or at least underserved by high street banks. It provides a digital banking app designed to cater to the underbanked masses.

An account with Pockit takes just two minutes to open and comes with an online account, contactless MasterCard, and mobile app. There are no credit checks, just an online form, and a one-off payment of 99p.

Account-holders can have their salary, benefits, or pension paid in via bank transfer, or with cash at any of the 30,000 PayPoint locations across the UK. The company was founded in 2012 and is headquartered in London, England..

Onfido

Onfido

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Onfido digitally proves a user’s real identity using AI technology, by verifying their photo ID and comparing it to their facial biometrics. It means users and businesses can verify their online identities anywhere and anytime, without compromising on experience, inclusion, privacy or security.

Onfido powers over 1,500 fintech, banking, and marketplace clients globally—helping them onboard more users while reducing risk. Identity underpins all transactions, and over the coming years, access to everything will be based on every user’s ability to easily and securely prove their legal identity.

This will change how we think of access—everything from opening a bank account to self-checking-in to a hotel, and ultimately voting.. .

goHenry

goHenry

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goHenry helps young people learn how to earn, save and spend responsibly. Combining web and mobile apps with a pre-paid debit card with parental controls, goHenry gives 8 to 18 year olds hands on experience of managing money within a safe environment.

Parents set rules and limits, can allocate pocket money automatically or set tasks and chores for their children to earn extra money. They and the kids can see their earnings, spending and saving on graphs.

Children and teens can also use budgeting tools to set savings goals, and track and filter spending by retailer, size of spend and category. It’s a way to give young people financial independence so they can learn by doing, but under a watchful eye and with no danger of debt.

goHenry was set up by a small group of parents and friends, unable to find the right tools to teach their own children about money.. .

Aave

Aave

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Aave (from the Finnish word for “ghost”) is an open source non-custodial protocol on Ethereum for decentralized lending and borrowing. For lenders, the protocol mints ERC20-compliant aTokens at a 1:1 ratio to supplied assets.

Interest immediately starts compounding continuously, represented by a steady increase in the amount of aTokens held by the lender. This interest stream may be redirected to any address, separate from the aTokens that represent the underlying principal.

Aave offers flash loans: trustless, uncollateralized loans where borrowing and repayment must occur in the same transaction. Aimed at developers, this feature could lead to innovative uses of DeFi..

SumUp

SumUp

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SumUp is a financial technology company that is set to become the first ever global card acceptance brand. The company enables businesses to accept card payments at the Point-of-Sale or on the go in a simple, secure and cost-effective way.

SumUp is the only company to offer an end-to-end EMV card acceptance solution built on proprietary hardware and mobile apps. This unique offering enabled SumUp to rapidly expand into 16 markets, including the U.S., Brazil and Germany, making it the mPOS company with the largest global footprint.

The company has gone on to develop a full suite of SDKs and APIs for third parties to integrate card payments into their mobile apps. SumUp has been backed by renowned investors, including Groupon, BBVA Ventures, Holtzbrinck Ventures and American Express.

In April 2016 SumUp has merged with the mPOS company payleven to create the global leader in mobile payment.. .

Celsius Network

Celsius Network

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Celsius is a Blockchain-based marketplace platform where membership provides access to curated financial services that are not available through traditional financial institutions. Celsius specializes in the fields of consumer lending, fintech, and financial services.

It was founded in 2017 and headquartered in London, England.. .

Barclays

Barclays

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Barclays PLC is a global financial services company that provides various financial products and services worldwide. It is engaged in retail banking, credit cards, corporate and investment banking, and wealth management with an extensive international presence in Europe, the Americas, Africa, and Asia.

The company offers current accounts, savings products, Woolwich-branded mortgages, unsecured loans, general insurance, and banking and money transmission services to small- and medium-sized businesses; investment and insurance products; business lending services; bank assurance solutions; and retail, credit and debit card, and corporate services. It also offers international payments services for consumer and business customers, including credit cards and consumer lending services; investment banking services comprising strategic advisory, financing, and risk management services to large corporate, government, and institutional clients; integrated corporate banking solutions, including cash management, lending, and trade financing services to corporate and financial institutions as well as multinationals; and a range of wealth and investment management services such as international and private banking, investment management, fiduciary, and brokerage services.

With over 300 years of history and expertise in banking, Barclays operates in over 50 countries and employs more than 147,500 people. Barclays moves, lends, invests, and protects money of more than 48 million customers and clients worldwide.

The company was formerly known as Barclays Bank Limited and changed its name to Barclays PLC in January 1985. It was founded in 1896 and is headquartered in London, United Kingdom..

Funding Circle

Funding Circle

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When Funding Circle was founded, they could see that businesses weren’t being given the finance to grow, while investors were making poor returns. They had a simple idea — let them support each other.

By lending directly to businesses through Funding Circle, investors can now earn attractive returns to better provide for their future. Businesses get fast, easy access to funding to grow, create jobs, support local communities and drive the economy forward.

They believe it’s better for everyone.. .

Nexo

Nexo

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Over the past 10 years, we have been providing instant loans to millions of people across Europe. We believe that the expanding digital world helps improve our lives.

We would like to contribute by providing The World’s First Instant Crypto-backed Loans.. .

Liberis

Liberis

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Liberis is a business financial services provider that aims to improve small businesses’ access to finance. It delivers finance solutions directly to small businesses and provides a scalable, finance platform for partners to help them build more valuable relationships with their small business customers.

Since its founding, Liberis has helped over 10,000 small businesses worldwide, providing them with over £300m in funding and supporting 82,000 jobs. It was founded in 2007 and is headquartered in London, England..

TrueLayer

TrueLayer

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TrueLayer provides a platform to build financial apps that connect to bank data, verify accounts, and access transactions in real-time. The SAAS platform uses its toolkit to develop consumer and server message block (SMB) applications in the areas of payments, online lending, personal financial management (PFM), robot-advisors, insurance, investment services, p2p marketplaces, and cryptocurrencies.

It aims to grow the open banking economy by creating a platform for companies to develop new financial services and products. Francesco Simoneschi and Luca Martinetti established TrueLayer in 2016 and is based in London, England..

Cleo

Cleo

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Using simplicity and humour, Cleo has helped 4 million people improve their relationship with money. But she’s not a bank.

She’s a platform for the 99% – an AI assistant defining a new category, one that goes beyond saving and budgets to actually changing how people feel about finances. Through chat, she provides users with deep insight about money, while suggesting personalised financial products that increase the ability to save.

That said, it’s really our tone of voice that makes us special. Cleo is a product for the next generation – meeting users where they are and building the type of relationship they expect.

That also means dropping the BS.. .

LANDBAY

LANDBAY

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LANDBAY – The full-stack mortgage lender. Landbay facilitates retail, institutional and local government ifnvestment into UK residential mortgages.

They direct-match funding to diversified portfolios via their platform, supporting the growth of quality private rental accommodation throughout England and Wales. Landbay mortgages are originated through a network of accredited intermediaries and via strategic partnerships, including Zoopla Property Group.

Fully authorised and regulated by the FCA. No FSCS.

Capital at risk.. .

OakNorth

OakNorth

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The next-generation credit platform that’s redefining business borrowing for the “Missing Middle” – the growth businesses who are the backbones of communities and economies globally but who have been in banking’s blind spot for decades. The platform leverages machine learning, decades of credit expertise and massive data sets (including unconventional and previously unavailable data) to model a forward-looking view of a borrower’s financial situation, that’s informed by industry benchmarks, macroeconomic drivers, and scenario analysis specific to that business.

It currently has over $17bn of assets under service. What this means for OakNorth’s commercial banking clients: • The way borrowing should be – loans that are customised for the borrower’s individual needs and completed in days or weeks vs months, leading to accelerated revenue and business growth • More attractive economics & scaled growth – origination and credit teams who can transact several times more deals per year • Insight and foresight without the noise – larger data sets and deeper analysis enable more informed credit decisions and proactive portfolio monitoring delivers better credit outcomes Since its inception, OakNorth has secured over $1bn from leading investors, including: Clermont Group, Coltrane, EDBI of Singapore, GIC, Indiabulls, NIBC, Toscafund, and SoftBank.

Rishi Khosla and Joel Perlman founded OakNorth in 2015 to address the challenges they faced in securing debt finance from high street banks for their previous business, Copal Amba (which scaled to c.3,000 employees and was acquired by Moody’s Corporation in 2014).. .

Bitstamp

Bitstamp

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Bitstamp owns and operates a digital currency marketplace that allows companies and individuals from all around the world to buy and sell bitcoin, litecoin, ethereum, ripple, and bitcoin cash. Damijan Merlak and Nejc Kodric founded Bitstamp in 2011.

It has its headquarters in London in the United Kingdom with additional offices in Luxembourg and Berkeley in California.. .

Revolut

Revolut

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Revolut is a financial services company that specializes in mobile banking, card payments, money remittance, and foreign exchange. It includes a pre-paid debit card, currency exchange, and peer-to-peer payments.

It is on a mission to build a fair and frictionless platform to use and manage money around the world.. .

Zopa

Zopa

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Zopa is a P2P money lending service that allows lenders and borrowers to deal directly with one another, cutting out the banks who act as middlemen. Zopa works in the following way: the company first categorizes borrower credit grades with an A*, A, B, C or Y rating; then lenders make offers that vary by money amount and time period for persons with a certain credit grade, and borrowers can then agree the aggregate offered rate.

Zopa takes on such responsibilities as distributing money between parties, completing the legal paperwork, performing borrower identity/credit checks, and employing a collections agency that chases missed payments for the lender. Zopa also mitigates risk for lenders by enforcing monthly direct debit repayment, making borrowers sign a legal contract, and allowing lenders to lend small chunks of money to individual borrowers (i.e.

someone lending £1000 would have their money spread across say, 100 borrowers). The company itself makes money by charging a fixed fee for borrowers and a 1% annual fee for lenders.

Zopa has received public acclaim as well, having been awarded CNET Technology Awards’ 2006 Internet Innovation of the Year, the 2007 Webby Award for Best Banking/Bill-Paying Website, the 2008 Webby Award for Financial Services, the Banker 2007 Award for Best Internet Project and Moneywise 2009 Awards for Best Customer Service and Best Personal Loan. One of the three initial members of the UK’s Peer-to-Peer Finance Association, together with FundingCircle and RateSetter.

Other P2P lending services include [Lending Club](http://www.crunchbase.com/organization/LendingClub), [Prosper](http://www.crunchbase.com/organization/Prosper), and [Kiva](http://www.crunchbase.com/organization/Kiva).. .

Zego

Zego

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Zego is a commercial auto and ‘New Mobility’ insurance provider, powering opportunities for modern business by saving time and money. The problem with traditional insurance is that it holds businesses back but they have to have it.

It’s time consuming and too expensive. Both limit the opportunity for businesses to reach their full potential..

ComplyAdvantage

ComplyAdvantage

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ComplyAdvantage offers AI-driven financial crime risk data and detection technology. ComplyAdvantage’s aim is to neutralize the risk of money laundering, terrorist financing, corruption, and other financial crime.

More than 500 enterprises in 75 countries rely on ComplyAdvantage to understand the risk of who they’re doing business with through the world’s only global, real-time database of people and companies. The company actively identifies tens of thousands of risk events from millions of structured and unstructured data points every single day..

Modulr

Modulr

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Modulr is a fintech company that provides Payments as a Service API for digital businesses.. It enables users to automate payment flows, embed payments into the platform, and build new payment products and services themselves from a single API.

Modulr has direct access to the Bank of England and claims to facilitate a fast experience that digital customers demand. The company was founded in 2015 and is headquartered in London, England..

Nutmeg

Nutmeg

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Nutmeg is changing the way people manage their money. Specializing in investments, ISAs and pensions, Nutmeg’s online investment management service is intelligent, straightforward and fair.

It is the first wealth manager with a 6 year performance track record in the UK. Founded in 2011, the company is based in London, UK..

Ebury

Ebury

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Ebury is a financial services company designed to empower small and medium-sized businesses that want to trade internationally. With Ebury’s integrated financial services and technology, small and mid-size companies can make and receive payments in foreign currencies, enjoy better exchange rates, use emerging-market currencies, hedge currency risk, benefit from liquidity, and finance transactions in more than 100 currencies, easily with a managed service.

In addition, its white-label products are offered via brokers and accountants. Ebury is a growing financial services companies, employing more than 170 people across offices in London, Madrid, and Amsterdam.

Its clients include more than 3,000 mid-size companies. It is regulated by the Financial Conduct Authority..

Primer

Primer

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The open payments infrastructure with endless connectivity and an uncompromising checkout experience.

MarketFinance

MarketFinance

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MarketFinance is a business finance company with offices in London and Manchester. The online platform enables businesses to access a range of flexible finance solutions — quickly and easily.

This smart technology is backed by help from real people so business owners can save time and focus on growing their business. Since 2011, MarketFinance has advanced over £2.6 billion to companies across a range of sizes and sectors, providing working capital and finance for everything from paying staff and suppliers to launching new products or services and accelerating growth.

MarketFinance is backed by Barclays, Santander InnoVentures, European venture capital fund Northzone (invested in Klarna, iZettle, and Trustpilot), private equity group MCI Capital (also invested in iZettle, Azimo, and Gett), and Viola Credit.. .

Featurespace

Featurespace

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Featurespace is the world-leader in Adaptive Behavioural Analytics and creator of the ARIC™ platform, a machine learning software system developed out of the University of Cambridge. The ARIC™ platform uses anomaly detection to analyse complex behavioural data in real time, spotting anomalies to block new fraud attacks as they occur.

At the same time, Featurespace recognises genuine customers without blocking their activity. ARIC™ reduces the number of genuine transactions incorrectly identified as fraud by over 70%, enabling businesses to accept more revenue.

Head quartered in Cambridge, UK, and Atlanta, GA, U.S. Featurespace has deployed the ARIC™ platform to organisations that have services or products deployed in over 180 countries.

Customers include Betfair, Vocalink/Zapp, Worldpay, and TSYS, the largest third-party processor of Visa® and MasterCard® credit cards in the U.S.. .

Moneybox

Moneybox

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Moneybox now offers a range of saving and investment products including Lifetime ISAs and Pensions. The company has a community of more than 450,000 customers and a team of 120 people.

It now has £1bn in assets under administration.. .

Form3

Form3

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Form3 delivers cloud-based connectivity, payment processing, clearing and settlement services. It is a fully managed payment technology service combining a powerful AWS cloud processing platform, multiple-scheme payment gateways and a fully managed 24×7 service model.

Form3’s powerful micro-services architecture and API’s provide a single point of simple access to the full universe of payment schemes. Its clients include a wide range of regulated financial institutions, including leading banks, non-bank financial institutions, and fintech companies (payment institutions, e-money providers, and pre-paid card providers).

Form3 was founded in 2016 and is based in London, England.. .

Atom Bank

Atom Bank

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Atom Bank is a mobile banking application that offers a range of personal and business banking products. Users can log in using face and voice recognition and receive support from a 24/7 customer service team.

The application, available on iPad and iPhone devices, was launched in March 2014 and its operations are based in Durham, the United Kingdom.. .

Paysend

Paysend

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PaySend is a financial technology platform that solves the universal problem to securely enable any bank card (Visa or MasterCard) to send and receive money worldwide. It is a next generation money transfer platform allowing its users to send funds from card to card from 40 to over 60 countries.

PaySend is a trading name of PaySend plc, registered in Scotland, United Kingdom. Company number 376020.

Founded in 2015, the company is headquartered in London, England, United Kingdom.. .

Wirex

Wirex

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Wirex is a digital payment platform that aims to make crypto and traditional currencies equal and accessible to everyone. It makes fintech simple.

Its mobile app and Wirex card allows its users to buy, store, exchange, and spend a wide variety of conventional and digital currencies quickly and securely, with no hidden fees and zero fuss. It was founded in 2014 and is based in London, England..

Thought Machine

Thought Machine

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Thought Machine is a Fintech company that builds cloud-native technology to revolutionize core banking. Its mission is to cure one of the banking industry’s primary problems: its reliance on outdated IT infrastructure.

Nearly every bank is stuck on a legacy IT platform, which cripples their ability to innovate and give their customers the type of service they deserve. The company provides a solution to this is Vault: a complete retail banking platform that is capable of being configured easily to suit the needs of any bank.

They have built Vault from the ground up as a cloud-native, microservice API architecture platform. Thought Machine has a deep culture of engineering excellence, and they believe it is this which delivers a solution compelling enough to engender a seismic shift in the banking industry..

TransferGo

TransferGo

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TransferGo is a global money transfer company that supports migrant workers to send money back to their relatives without paying unnecessary bank fees. Through the company, migrants have the ability to transfer money overseas with the help of a digital account-to-account business model.

As it is a licensed and authorized payment institution controlled by the FCA under the supervision of HMRC, the company is considered as a secure way of transferring money. Since it removes the costs of international transfers, TransferGo is a fit for businesses to pay their suppliers.

It charges a fixed fee for transferring money as well as a 0.6% to 1.5% fee for the currency conversion per transaction.. .

iwoca

iwoca

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Iwoca provides small business credit finance services in the United Kingdom. It offers finance for businesses for various purposes ranging from bridging short-term cashflow gaps to investing in stock opportunities.

It serves retailers, restaurants, hotels, service providers, and more. Christoph Rieche and James Dear founded iwoca on October 1, 2011.

iwoca’s headquarters is located in London in the United Kingdom.. .

LATOKEN

LATOKEN

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LATOKEN is a platform for assets tokenization and trading that focuses on liquidity for new tokens. It has recently entered CoinMarketCap’s Top 50 by trading volume.

Our mission is to make capital markets and trading available 24/7 T+0, with a broader range of asset classes. We aim to facilitate capital reallocation into promising businesses, which will foster job creation via higher productivity.

Major crypto pairs and ICO tokens are already available for trading on our exchange. Now we’re working on acquiring all the necessary licenses for launching a full-scale trading of asset tokens.

Key features of LATOKEN Exchange: ✅ Top 50 by daily trading volume ✅ 110+ crypto pairs available for trading ✅ Access to Token Sales at presale and crowdsale stages ✅ 80,000+ registered traders ✅ Low trading and withdrawal fees ✅ Instant exchange (LA DIRECT) ✅ Crypto/fiat gateway ✅ New trading pairs added every week ✍️ Looking for a job? Check our current job openings here or send us your CV at [email protected] .

PrimaryBid

PrimaryBid

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PrimaryBid is a technology platform that allows everyday investors fair access to public companies raising capital. PrimaryBid always ensures that retail investors transact at the same time and at the same price as institutional investors.

Through PrimaryBid’s long-term agreement with the London Stock Exchange, the company has created the infrastructure to seamlessly connect everyday investors with public companies when it matters most.. .

Griffin

Griffin

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Griffin is a new bank-as-a-platform, providing client money accounts and payments for fintech and other money service businesses. The company is currently seeking regulatory approval from the PRA and FCA to become the UK’s first platform bank.

It was founded in 2017 and based in London, England.. .

Nebeus

Nebeus

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Nebeus is a fintech platform on a mission to bridge the gap between crypto and cash with instant crypto-backed loans and financial services. To achieve this, Nebeus offers a host of secure and compliant solutions allowing customers to borrow, earn, send, and receive cash and crypto with full security.

Nebeus was founded in 2014 in England and has transacted over £30 Million to date, operating primarily in the UK and Europe. Seamlessly and within minutes, customers can start earning using their crypto investments and get instant crypto-backed loans.

Customers can send cash to more than 150 countries through Nebeus’s payment channels, VISA, and Mastercard integrations; transfer & deposit money at more than 230,000 retail locations & post offices; and much more. Nebeus is the smart way to borrow, earn, and spend in the digital age, helping thousands of customers put their digital assets to everyday use..

SaltPay

SaltPay

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SaltPay is a FinTech company dedicated to building a better future for merchants by servicing them through payment and management tools.

Monese

Monese

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Monese is a digital banking alternative that provides mobile-only, multi-currency accounts in 31 countries across the European Economic Area, for those who are underserved by the traditional banking system. It was launched in 2015 by Norris Koppel, after his first-hand experience of the hassle involved with opening a bank account in a new country.

With a fully-featured and fully localised banking experience (both its apps and its customer service are available in 14 languages), Monese allows people and businesses to spend and save like locals across Europe. Its proprietary “Know Your Customer” technology can validate a customer’s identity in real-time, allowing accounts to be opened in a matter of minutes, from a mobile app..

Proportunity

Proportunity

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Proportunity is a technology-driven mortgage lender. The company pushes the edge on real estate data-driven investment insights.

It uses machine learning to accurately forecast house prices and up-and-coming areas, providing loans to buyers looking to purchase homes in forecasted high-growing areas. Vadim Toader and Stefan Boronea started Proportunity in 2016, which is headquartered in London, England..

Coinrule

Coinrule

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Coinrule empowers traders to compete with professional algorithmic traders and hedge funds. It is a smart assistant for cryptocurrency trading, allowing you to take full control of your trading while being able to fight back hedge funds and automated bots.

It is simple and with no coding skills required. It was founded in 2017 and is headquartered in London, England..

Codat

Codat

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Codat is an API platform that connects small businesses to banks and other financial institutions.

Cashaa

Cashaa

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Cashaa is a neo-bank providing services to hundreds of businesses from the crypto industry. We are on a mission to become a first choice “better than the bank” for the next generation of business and individuals who are dealing in cryptocurrencies.

Our partners include Paysafe Group and many other financial institutions regulated by the FCA, Central Bank of Lithuania, and Colorado Division of Banking.. .

Lanistar

Lanistar

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Lanistar is a fintech company that provides customer-centric alternative to traditional banking.

Wagestream

Wagestream

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Wagestream is a financial services firm that allows employees to stream their earned wages into their accounts through an instant app. The app allows them to have complete control over when they get paid.

It also effectively ends the need for employee advances, loans, and employee stress suffered from short term, unplanned financial obligations. The company aims to play a key role in reducing the poverty premium and prevent employees from entering cycles of debt caused by overdraft fees, high-interest credit, or payday loans.

Peter Briffett and Portman Wills was founded in 2018 and is based in London, England. It is backed by QED, Fair by Design, London Co-Investment Fund, and Village Global..

Jaja

Jaja

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Jaja is a fintech company that provides digital and physical credit cards and other financing services. It operates an online finance platform offering digitally-led products with a focus on simplicity, functionality, service, and security.

Its offering includes a digital wallet and its accompanying card, foreign currency exchange services, as well as near-instant credit decisions leveraging AI. The company was founded in 2015 by three Norwegian entrepreneurs Per Elvebakk, Jostein Svendsen, and Kyrre Riksen with a mission to shake up the British credit card market..

Soldo

Soldo

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Soldo integrates prepaid Mastercard® cards, a web-based administration console and a mobile app into one intuitive future-ready platform. Soldo was founded by a group of tech veterans and payment pioneers who refused to accept the inefficient and fragmented state of business spending in the 21st century.

With decades of experience in payment services and transactional system development, the team didn’t just slap a brand on an ‘easy’ solution or quick-fix. Instead, they invested heavily in the creation – from scratch – of a world-class technological, regulatory and operational platform.

Soldo’s rock-solid innovation and talented team has attracted in excess of $80 million, in Seed, Series A and Series B funding. Our investors include Accel Partners, Dawn Capital, Battery Ventures, Connect Ventures, InReach Ventures, U-Start and R204 Partners..

Greensill Capital

Greensill Capital

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Reformers at heart, Greensill challenges the status quo by working to make global finance fairer and levelling the playing field for all businesses and people alike. The company unlocks capital so the world can put it to work.

Founded in 2011, Greensill is headquartered in London with offices in New York, Frankfurt, Chicago, Miami, Singapore, Sao Paulo, Mexico City, Johannesburg, Sydney, Warrington and Bundaberg. Greensill provides innovative financing solutions to customers across Europe, North America, Latin America, Middle East, Africa, and Asia – injecting more than $150 billion of financing in 2019 to more than 8 million customers and suppliers across more than 175 countries..

Bought By Many

Bought By Many

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Bought By Many is the multi-award-winning pet insurance provider that is disrupting insurance distribution. They do this by analysing anonymised internet search data and customer research to identify unmet consumer needs for insurance.

Key company milestones are as follows: o 2012: Launched boughtbymany.com. Completed seed funding round.

o 2013: Named Insurance Website of the Year. o 2014: Identified by Boston Consulting Group & Morgan Stanley as the global exemplar of innovation in insurance distribution.

Awarded Best Use of Mobile Technology at the Digital Insurance Awards. o 2015: Surpassed 100,000 members.

Launched SaaS platform in China in partnership with Ping An Insurance. Completed second funding round.

Became directly regulated by the FCA. Acquired Brooks Braithwaite (Sussex) Ltd – the UK’s leading provider of insurance for exotic pets and pet businesses.

Paga

Paga

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Paga is a mobile payment company. We are building an ecosystem to enable people to digitally send and receive money, and creating simple financial access for everyone.

Our mission is to make it simple for one billion people to access and use money. Our first market is Nigeria where Paga is the leading mobile payment company..

Brickowner

Brickowner

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UK property investment platform

Plum Fintech

Plum Fintech

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Plum Fintech is a developer of personal savings assistant solutions for customers. It offers Plum that monitors the daily spending and automatically sets money aside that the user won’t need; analyzes the account to learn about the income, expenses, and spending patterns, monitors the current account and every few days transfers some money from it to the user’s Plum savings, and notifies the users about their balance.

Alex Michael and Victor Trokoudes founded Plum Fintech on February 1, 2016. It has its headquarters in London in the United Kingdom..

BIMA

BIMA

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BIMA is an insurtech player using mobile technology to provide insurance and health services to emerging markets. To serve its customers, the company has developed a proprietary technology platform, established exclusive partnerships with mobile operators, and built relationships with international insurers.

BIMA utilizes its technology platform to serve customers in 13 countries across Asia, Africa, and Latin America and has reached to date 31 million subscribers.. .

RateSetter

RateSetter

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RateSetter is a peer-to-peer lending website that allows its users to lend and borrow money directly from each other according to their own interest rates. The business primarily originates unsecured personal loans, and also arranges secured auto dealer financing and property financing.

As a peer-to-peer platform, RateSetter connects investors and borrowers and therefore does not hold deposits or loans on its balance sheet.. .

Floww

Floww

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A SaaS platform leveraging visualisation to revolutionise the client experience for the private asset market. A feature-rich workflow platform for financial institutions with intuitive data analytics providing clarity and intelligence to managers and end clients.

Including a decentralised trading and distribution platform for the vast unlisted asset market, creating liquidity and transparency.. .

Vauban

Vauban

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Vauban is engineering the wealth containers of tomorrow by digitizing the corporate services sector. As part of its ecosystem, Vauban launched its next-generation fund services platform in early 2017, spanning the hedge fund, private equity, and venture capital fund space.

By reimagining fund formation and administration from first principles and engineering an AI Powered-platform, the entire experience –from identifying the appropriate terms of investment to onboarding institutional investors–has become a digital-first, seamless experience. Since launch, emerging fund managers–from quantitative traders to wealth managers and blockchain visionaries–have been able to structure, launch, and administer their funds and other investment vehicles with ease from Vauban’s dashboard.

The company is based in London, England and founded by Rémy Astié and Ulric Musset.. .

Habito

Habito

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Habito is a digital mortgage brokerage services company that offers a personal and modernized approach to the home buying experience.

token

token

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Token is the industry’s leading open banking infrastructure provider. By putting a bank in every app, Token is creating the digital connectivity shaping the future of banking-enabled commerce.

Token’s open banking market platform enables banks and developers to set the pace of innovation in digital financial services, unrestrained by technical complexity and regulatory compliance. By offering value-added payments functionality together with standardised, API-based access to over 3,000 banks across Europe and beyond, Token helps banks and businesses to drive new revenues through the creation and delivery of market leading open banking payment and data experiences.

Token.io Limited is authorised as an AISP and PISP by the FCA in the UK and has passporting rights in an additional 20 countries.. .

Tandem

Tandem

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Tandem is building a bank and financial management universe, focused on freeing users from financial stress by making money simple.

Pomelo Pay

Pomelo Pay

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Pomelo Pay helps you instantly take payments using just your smartphone. You don’t need a card reader, and your customers don’t need to download an app.

Better yet, you can manage your cashflow on the go – including sending payment requests, viewing funds and issuing refunds from your smartphone or PC. Register for free by downloading the Pomelo Pay app for Apple or Android.

There’s no upfront costs, no contract, and all major debit and credit card payments are accepted, as well as Apple Pay and Google Pay.. .

Augmentum Fintech

Augmentum Fintech

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Augmentum Fintech is one of the leading venture investment firms focusing exclusively on the FinTech sector. They invest in early (but not seed) or later stage investments in unquoted fintech businesses which are high growth, with scalable opportunities, and have disruptive technologies in the banking, insurance and asset management sectors, including other cross-industry propositions.

Augmentum is the only publicly listed FinTech-focused Venture Capital firm in Europe, having launched on the main market of the London Stock Exchange in early 2018, allowing their businesses to have access to flexible funding and support, unrestricted by conventional fund timelines. An investment in Augmentum enables investors to gain exposure to a focused portfolio of fast growing and/or high potential private FinTech businesses based predominantly in the UK and wider Europe to deliver attractive risk-adjusted returns for shareholders..

WeGift

WeGift

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Businesses from every walk of life use rewards to acquire, retain and thank customers but the current process is broken. Sending rewards, incentives and non-cash payouts is manual, expensive, time-consuming and error-prone.

WeGift changes this. Operating in more than 30 countries, in 22 languages, 20 currencies, with over 700 brand partners, and hundreds of clients, like Perkbox, Sodexo, New Look and Halfords among others, WeGift’s cloud-based, open API solutions allow businesses to transfer value to consumers, in real-time and globally.

Established in 2016, WeGift is backed by leading entrepreneurs and investors.. .

Uncapped

Uncapped

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Uncapped is a provider of revenue-based financing that enables founders to raise growth capital without interest or equity. It charges a flat fee of 6% on the capital provided and gets repaid through a revenue share.

Uncapped provides business advances of between £10k and £2m with 0% interest and no hidden charges, allowing founders to access fair and flexible finance. The company also uses marketing, sales, and accounting data to be able to offer finance for young businesses based on their current and projected revenue.

The company was founded in 2019 by entrepreneur Asher Ismail and venture capital investor Piotr Pisarz in London, England.. .

B-North

B-North

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B-North is here to disrupt the £150bn UK business lending market. It shouldn’t take months to complete a loan facility with your lender.

We are partnering with global fintech leaders to deliver great personal service, transforming the lending lending experience, both for UK businesses and for commercial finance intermediaries. To do this takes great people, so we have assembled a team with market leading experience to create a new force in business lending..

Moneyfarm

Moneyfarm

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Moneyfarm is an independent financial services provider that offers online financial advisory and execution services in Italy, Germany, and the United Kingdom. The company enables its users to manage their money in an efficient way and offers a unique service in Europe that provides personal advice on ETFs and trading activity.

Moneyfarm identifies its users’ investor profiles through an online questionnaire and offers them one of 12 diversified investment portfolios tailored to their profiles. Launched in 2012, Moneyfarm’s revenues come only from its clients’ fees.

The company does not take any back-end fees or commissions from other financial institutions. It is headquartered in London, England..

Prodigy Finance

Prodigy Finance

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Prodigy Finance is an online platform that offers community loans to international postgraduate students. The student borrowers gain access to higher education that they might not otherwise be able to finance, and the investing community earns financial and social return through their investments.

Banks examine student loan applications using localized lending templates and historic earnings in order to assess cross-border risk and lend to students from over 150 nationalities. These loans are collectively funded by a community of alumni, institutional investors, and qualified private investors.

Founded in 2007, the company is headquartered in London, United Kingdom.. .

Hastee

Hastee

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Hastee is an employee benefit that companies can offer to their workforce. It empowers employees to receive their earned pay immediately to increase their choice and financial wellbeing.

Companies profit from the improved productivity, engagement, recruitment & retention of their workforce, with zero cost or impact on company cash-flow. The company was founded in 2017 and is headquartered in London, England..

Yoyo Wallet

Yoyo Wallet

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Yoyo Wallet is a U.K.-based mobile wallet startup that enables its users to pay for their goods with their smartphones. The company currently processes over 150,000 monthly in-store transactions by combining payment and loyalty via an easy scan.

It also provides a marketing platform for retailers that enables digital customer engagement in-store. The multi-retailer mobile wallet offers loyalty programs and rewards offerings it can automatically deliver to customers based on buying patterns.

Launched in 2013, Yoyo Wallet receives funding from Taavet Hinrikus and TransferWise.. .

Chip

Chip

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Chip Financial is an automatic savings application designed to simplify and automate the process of saving money. The application utilizes artificial intelligence, open banking technology, and a disruptive approach to traditional banking to automatically save money for customers, enabling users to save money and get better returns automatically.

The company was founded in 2016 and is headquartered in London, England.. .

Updraft

Updraft

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Updraft is a part lending, part credit report, and part financial planning app for millennials. Available on iPhone, Updraft turns borrowers into savers by automating the day to day decisions involved in managing money and mainstream borrowings.

Through innovation in lending product design, behavioral science, and data science to help users with their finances.. .

Molo

Molo

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Molo is the UK’s first fully-digital mortgage lender. We’re transforming the mortgage experience to make it quicker and simpler, with real-time decisions, clear criteria and transparent fees.

We pioneer technology, creating new solutions and smart integrations with the best partners. Direct-to-consumer and straight to the point..

Credit Kudos

Credit Kudos

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Credit Kudos is a credit bureau that uses financial behaviour and data through open banking to measure creditworthiness.

BGL Group

BGL Group

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BGL Group digitally distributes insurance and financial products. It offers motor and home insurance products under the Junction brand.

Additionally, BGL Group operates price comparison websites such as comparethemarket.com in the United Kingdom and LesFurets.com in France. It has strategic partnerships with M&S Bank, RAC Insurance, Post Office, HSBC, Lloyds Bank, Halifax, and Santander.

Douw Gerbrand Steyn founded Budget Group of Companies in 1991 that became BGL Group Limited in July 2007. It has its headquarters in Peterborough in the United Kingdom with additional offices in Sunderland in York, and Wakefield in the United Kingdom, and Paris in France..

FIDEL API

FIDEL API

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Fidel is a payments API platform for developers, providing tools to build frictionless, real-time, and personalized products on top of Visa, Mastercard and American Express payment cards. By using Fidel’s APIs developers can avoid complex integrations with payment service providers and bring their products to market in a faster, more secure, and more scalable fashion.

Today, global businesses like Google, Perkbox, British Airways and Royal Bank of Canada have partnered with Fidel to power a range of innovative experiences. Launched in 2018 by Dev Subrata and Andre Elias, Fidel is headquartered in Soho, London, with offices in Toronto, Lisbon and New York.

Fidel is backed by investors including Nyca Partners and QED Investors.. .

Apexx Global

Apexx Global

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APEXX acts as a Payments-as-a-Service platform combining all the worlds acquirers, gateways, shopping carts, and Alternative Payment Methods into a single integration. APEXX consults its enterprise level customers to consolidate their global Payment Service Provider relationships, and display all their reporting and transactional data in a single interface.

They build the most holistic and economic solutions around their customers for face-to-face transactions as well as ecommerce globally, so they don’t have to settle for less. APEXX integrates to additional services that merchants require to streamline their services.

Some of these include: EPOS systems, VAT calculation tools, AML management services, banking services, Foreign Exchange platforms, and Fraud & Chargeback management softwares.. .

Cytora

Cytora

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Cytora transforms underwriting for commercial insurance. The Cytora Risk Engine uses artificial intelligence to learn the patterns of risks over time, enabling insurers to underwrite more efficiently and deliver fairer prices to customers.

The company’s goal is to raise the insurance industry to a new standard where insurance is fast and built on a foundation of tractable data. The company’s products allow insurers to enhance underwriting profitability.

Cytora was founded on 2014 and is headquartered in London.. .

Vestrata

Vestrata

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Vestrata is a fintech company providing integrated investment solutions for wealth managers. Vestrata’s proprietary technology platform is unique and will deliver a suite of discretionary, advisory, alternatives, and ESG investment solutions that help wealth managers to drive improved client engagement, control risk, and reduce cost.

Vestrata’s services are developed in collaboration with leading asset managers, research houses, and alternatives providers, and will be delivered through an integrated, scalable, and modular platform.. .

Divido

Divido

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Divido is a global white label consumer lending platform for financial institutions and multinational retailers. Rapidly build new revenue streams, improve the customer experience and increase conversion by offering finance at the point-of-purchase with Divido.

The platform is omnichannel, available online, in-store and via mobile, and works across multiple countries through one integration. Over 1000 partners work with Divido including Nordea Finance, BNP Paribas, BMW, Lenovo and last minute.

Divido offers financial services for merchants, lenders, and intermediaries that want to offer instant new credit as a payment option to their end-consumers and corporate clients. Backed by the investors behind Skype, WorldPay, and TransferWise the company launched late 2015 and currently has 300+ partners using its platform including some of the world’s well-known brands.

By the end of 2017. Divido will operate in 9 countries.

Divido was founded in 2014 and is based in London, England, United Kingdom. .

PrimaDollar

PrimaDollar

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Fintech company providing trade finance directly and as a transaction processing / financing toolkit that third parties can embed (logistics providers, marketplaces, banks). PrimaDollar supports a simple transactional trade finance product that is sold directly to importers and exporters and which can also be embedded on an API basis into third party services.

There are three models: direct, SaaS (local banks, large importers) and FaaS (finance as a service, appropriate for logistics providers and marketplaces). When finance is included in the service, risks are laid off into the global insurance markets and investors are sourced from the capital markets.

This is a highly scalable, global addressable market space. PrimaDollar has a proven product-market-fit and is growing very quickly with a substantial footprint now built across South and East Asia servicing trade flows into Europe, US and Australia directly and via third party logistics providers..

Taptap Send

Taptap Send

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Taptap Send is an app that lets immigrants send money back home to Africa instantly and at very low prices. Since launching in summer 2018, it has already moved tens of millions of dollars and reached tens of thousands of customers.

It is live in seven European countries, and support payments into Senegal, Mali, Zambia, Ghana and the Ivory Coast, with more countries launching soon.. .

Meniga

Meniga

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Meniga is a digital banking platform that helps banks, businesses, and individuals manage their financial data. Its product offering includes data aggregation, personal and business finance management, cashback rewards and transaction-based carbon insights.

They are a team of coders, designers, salespeople, and data scientists who get excited about shaping the future of financial technology. They work with complicated solutions that operate across channels, are modular, and customizable for every client.

If you love big data, predictive models, analytics, operational benchmarking, and getting the job done they’d like to hear from you.. .

Capital on Tap

Capital on Tap

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Capital on Tap is a lender that provides working capital such as loans and credit cards to small businesses.

KodyPay

KodyPay

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KodyPay is a new mobile point of sale platform and payment aggregator, enabling businesses to perform all the necessary actions to carry out a standard electronic transaction and accept a multitude of different payment methods using a web and app-based technology platform. Our Omni-commerce driven platform enables businesses to perform all the necessary actions to carry out a standard electronic transaction and allow users to pay in-store without queueing.

By removing all POS terminals and other hardware such as tills and printers, businesses can generate substantial cost savings. In a matter of minutes and without IT skills a business can start accepting “socially-distanced payments” from a variety of e-wallets, pay-later providers, and card-based payment methods with our MPOS, or by using our payments API, no hardware required.

Furthermore, businesses will also benefit from our scale as we become the first hardware-free “mobile payment facilitator”.. .

Cognino AI

Cognino AI

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Cognino empowers Contextual decisions with Explainable AI. It transforms data at a cloud-scale into intelligence with speed and accuracy

Coinfirm

Coinfirm

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Coinfirm is the recognized global leader in blockchain regtech. Their mission is to provide technology for regulatory compliance, bringing new levels of transparency and trust to the world of digital currencies.

Their aim is to serve as a foundation for the safe adoption of blockchain by all actors in the economy, including traditional financial institutions, governments, regulators as well as ordinary citizens. They do that by applying regulatory technology for blockchain that solves a variety of compliance challenges.

Their proprietary solutions streamline compliance to near-automation. Taking anti money laundering effectiveness form around 1% as it is in the current traditional system and take it to over 90% effectiveness.

They provide anti-money laundering (AML) and know your customer (KYC) services for virtual currencies and blockchain actors. They enable traditional financial institutions and regulators to safely engage with the crypto world.

Their Trudatum product gives users the ability to register and authenticate any type of data, providing instant, secure online confirmation of the authenticity of documents and other files.. .

Money Dashboard

Money Dashboard

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Money Dashboard is an online personal financial management service allowing users to view their online financial accounts. Money Dashboard lets you see exactly where your money goes by showing all your current accounts, savings accounts and credit cards from whichever institutions you bank with, all together in one secure place.

The service was first released in 2010 to help people take control of their finances, and help empower them to make the right financial decisions in life. Money Dashboard is free; all you need is an online account with a UK bank, building society or credit card and access to the Internet.

Money Dashboard means you keep an eye on your day-to-day spending, monitor whether you’re earning more than you’re spending, and making efficient use of any credit. It also lets you know if you’re likely to have any spare money left to spend at the end of the month.

And for those who want to save, Money Dashboard uses your past spending patterns to predict future outgoings and potential savings so you can budget realistically for the future. Users save time and money, as Money Dashboard harnesses individual User spending patterns to offer less expensive products and services..

Oval Money

Oval Money

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Oval is a platform designed to tackle the global issue of financial literacy by empowering people to be wiser about their money. Oval helps users save quickly and effectively, by teaching them to monitor spending habits and by making savings automatic.

The app also leverages a community experience to make saving more dynamic. They have consulted the brightest minds in personal finance and behavioural economics to develop the artificial intelligence that guides users to better spending and to making regular contributions to their secure digital savings account.

With no hidden fees and robust privacy controls, Oval brings trust back into personal finance and opens it to everyone. Oval was launched in 2016, and is based in London, UK and Turin, Italy.

The team is committed to driving education, fairness, and financial inclusion in the industry. Learn more at http://www.ovalmoney.com.

EverUp

EverUp

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EverUp is a gamified, prize-linked saving app. EverUp is building the first UK prize-linked money account, on a mission make saving fun and get everyone to save.

They are reimagining personal finance, building an all-encompassing prize-linked proposition, across saving and personal lending. EverUp has been admitted to the FCA Innovation Hub..

Radix

Radix

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Radix DLT is building a decentralized finance protocol that provides access, liquidity, and programmability of any asset in the world. Designed to solve many of the pain points in today’s centralized financial system – involving lack of access, poor liquidity, and high costs – the company’s protocol removes these frictions through a series of technological advancements while enabling the next generation of financial apps and services to be built.

Public ledgers, like the one developed by Radix, are managed and operated by the communities using them. This creates a decentralized, permissionless, transparent system that democratizes access to financial services while creating a network of assets to allow for the secure flow of data and capital.

The company’s protocol not only creates a permissionless, frictionless framework upon which innovative Defi services can be developed and run, but it has also solved two of the biggest challenges – scalability and security.. .

Smart Pension

Smart Pension

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Founded by experienced finance and technology professionals we are uniquely designed to support UK businesses. Our Master Trust is regulated by The Pensions Regulator and the company has been awarded a 5-star rating by independent reviewers for the past three years.

Although relatively new to the UK pension market, we are proven innovators and potential future leaders of the industry. In June 2018 we were named Master Trust Offering of the Year at the European Pension Awards.

In the last 12 months, we were also voted FinTech Innovation of the Year and overall winners at the Digital Leaders Awards, as well as winning three ‘The Rewards’ Pension and Payroll Industry awards in one night, including best Workplace Pension Provider. Our Employee app will transform the future of pension saving for a new generation.

It allows users to pick and choose the most suitable investment funds, track their pension balance in real-time on their phone and increase contribution levels when they can afford to do so – engaging people with their pensions like never before. For more information please visit www.SmartPension.co.uk..

Kantox

Kantox

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Kantox is an online, peer-to-peer finance platform that provides currency exchange and international payment solutions for SMEs and mid-cap companies. The platform and its advanced solutions help its customers regain control of their currency exposure.

It provides its services to the travel, engineering, investments, fashion, e-commerce, and automotive industries. Kantox was founded in 2011 and is based in London, United Kingdom..

Transak

Transak

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Transak is a single integration for applications to accept fiat-to-crypto deposits and withdrawals from a global user base. It does this by aggregating fiat on-ramps from around the world and abstracting away the complexity of local compliance, payment methods, and operations.

The Transak product is a widget integration that can be integrated into an app in just a few lines of code. It provides a fiat on-ramp for the UK, Europe, and India for the app’s end-user without leaving their site..

You may write to us at: Daily Finance Media/Fupping Ltd, First Floor, 61-63 Rochester Pl, London NW1 9JU.

Written by Tenner Smith

Tenner Smith - I have experience in financial intelligence and automated intelligence. In industry I have worked on artificial intelligence and machine learning. Tenner Smith is a reporter at DF media.

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