Issue link: http://endeavor.uberflip.com/i/881264
20 ININAL BULENT TEKMEN Turkey HICKIES GASTON FRYDLEWSKI United States KUBO. FINANCIERO VICENTE FENOLL, ALICIA ORTIZ Mexico KONEKTI CRISTIAN SCHWEIZER Argentina With a 95% mobile phone penetration, Turkey is home to 40M unbanked & underbanked people. These 40M individuals need to send & receive money from loved ones, pay their bills, and open a banking account easily. Ininal was founded in 2011 as Turkey's first digital banking platform. With Ininal, customers can open a banking account through their mobile device in 45 seconds and top up cash from 15,000+ retail locations and ATMs on Ininal's financial network, the largest in Turkey. Ininal also enables customers to send and receive money or pay bills with their mobile wallet, as well as create a virtual MasterCard / Visa debit card instantly and start spending online. Ininal recently passed 1,000,000 active accounts and is launching an SME Banking Platform. HICKIES is a New York-based global company that is bending the rules of footwear by re- inventing shoelaces and replacing them with a modular lacing system designed for an active lifestyle. HICKIES currently markets and distributes its products in over 45 countries. HICKIES has created a new category in the sporting goods and children's footwear industry and is either selling or will launch in some of the top global retailers. The company holds a robust portfolio of over 70 patents worldwide. Kubo.financiero is a Mexican peer-to-peer lending platform regulated by local authorities including The Bank of México, CNBV (equivalent to the SEC in the US) and CONDUSEF. Kubo initiated operations in 2012 and has grown quickly. After five years it is now Mexico's leading P2P lending platform with over 10,000 loans provided for a total of MXP$254m (USD$14m) and around 1,000 investors funding 60-80% of the total loan value over the last 18 months. Kubo issues loans ranging from ~US$200 to $25,000 with payments being made weekly, bi-weekly or monthly over 16-36 months. All borrowers have a minimum score of 620 with the Buro de Crédito (equivalent to FICO). The loans are used to fund working capital, capital equipment purchases, home and auto improvement, educational fees and supplies, as well as loan consolidation. Konekti is the first closed digital network that connects doctors with their medical associations in an efficient and intuitive way. Publications, polls, research, news, and upcoming events are all published and accessible in one place, on any device, with a single touch. Membership is invitation-only: associations can add doctors to the platform, segmented by practice, and engage with them directly via the platform. The service is monetized through relationships with pharamaceutical companies via ads and interaction campaigns – for example, pharmaceutical companies can use the platform to schedule "detailing visits" (when sales reps visit doctors) or sales calls.