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23 VICENTE FENOLL ALGORTA Kubo Financiero Mexico MEHMET ECEVIT Gram Games Turkey MANOLO DIAZ Yogome Mexico Kubo.financiero is a regulated microfinance institution that provides accessible and affordable loans to borrowers in Mexico. Ranging from US$400 to $4,100, these loans can be used for working capital, fixed assets, education fees and supplies, and pre-payment for other loans that have higher interest rates. Kubo operates in Mexico, which has one of the highest average interest rates in Latin America. Kubo uses an online platform and branchless banking to significantly reduce the cost of lending. Because the microfinance market is Mexico is very large, the organization is able to access a growing amount of data about borrowers and their credit histories. Gram Games is a boutique mobile game developer that creates original, free-to-play, mobile games that are deceptively simple and immediately engaging. Its major hit is 1010!, an easy to learn, fun to master, addictive puzzle game reminiscent of Tetris. 1010!, has reached 25+ million downloads and 3.5+ million daily active users, the majority of whom are in the US and Europe. Yogome is building a highly engaging portfolio of mobile learning games for kids ages 4-10. With the help of pedagogy and educational experts, they develop engaging content that helps young people learn in a fun way. Some topics covered include math, health & nutrition, recycling, science and creativity. Yogome encourages kids via personalized "hero" memes who save the world with their knowledge. Yogome's learning tools are available on tablets and smartphones (iOS, Android, Kindle Fire and Nook) in more than 100 countries, across 3 languages (English, Spanish and Japanese). Yogome's new dashboard feature is a unique tool that helps parents track and improve their childs performance on the platform and control their buying decisions. The company aspires to become a global kids' brand. GASTON FRYDLEWSKI Hickies Argentina Hickies have transformed shoelaces – a boring commodity that everyone owns but no one buys – into a sexy consumer brand. Shoelaces present minor but persistent nuisances: who hasn't struggled to tighten laces to the perfect fit, create a durable and undoable knot, and tie a relatively aesthetic bow? Hickies' colorful, stretchable no-tie shoe-fasteners contour to your foot to improve shoes' fit and fashion. Made from a patented, memory-fit elastomer, Hickies adapt to each shoe's size and responds to a foot's movement to support an active lifestyle. The no-tie design and myriad of color options enable consumers to personalize kicks with a sleek, fashion-forward look. Over 1 million packs of Hickies have been sold in in 34 countries worldwide.