Issue link: http://endeavor.uberflip.com/i/1164186
23 C R E Z E DAVID LASK Mexico Creze is a financial services firm that provides unsecured short term loans to SMBs in Mexico. Creze leverages technology to improve the risk assessment process in order to underwrite loans for SMBs quickly and efficiently. It offers working capital products through a 100% online application, with simple procedures, as well as response and access to financing in 48 hours. Creze is backed by international venture capital firm Mountain Partners. H E L L O P A I S A MOOSA MANJRA | NADIR KHAMISSA South Africa HelloPaisa is the leading digital remittance company in Southern Africa and focuses on financially including migrant workers and informal micro-merchants. Direct partnerships with banks, retailers and mobile network operators allow very low-cost transfers, whilst in- house developed tech helps financially excluded communities leapfrog from cash to mobile banking. Processing over $500M worth of remittance transactions has given HelloPaisa a loyal customer base, 80% of whom do not have access to a bank account. HelloPaisa launched a digital bank in April 2019 with plans to expand the product suite to merchant acquiring, lending and insurance. F I R S T C I R C L E CHRIS BURGESS | PATRICK LYNCH Philippines First Circle uses intuitive product design and advanced data analytics to provide underbanked SMEs in the Philippines with access to working capital and trade finance. First Circle's proprietary underwriting and risk management systems have created access to credit for all B2B SMEs in the Philippines with an unmet demand of approximately $50bn. To date, First Circle has raised >$30m from DFIs, VCs, and Asset Managers including Accion, Venturra, and Silverhorn. D L O C A L AGUSTIN CERISOLA | SERGIO FOGEL Uruguay dLocal is a payments technology platform designed to handle mass online payments in emerging markets across LATAM, APAC and EMEA. With dLocal, there is no need to manage separate pay-in and payout processors, set-up numerous local entities, integrate dozens of isolated acquirers and payment methods, worry about stranded funds overseas, nor undergo heavy operational burdens. By operating as the payments processor and merchant of record in each market, dLocal is making it simple for online companies to reach 2 billion digitally-savvy consumers in today's fastest-growing markets. Over 450 global e-commerce merchants, online travel providers, and marketplaces rely on dLocal to accept more than 300 locally- relevant payment methods as well as issue millions of payments to their contractors, agents, and sellers in growth markets around the world.