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20 ENTREPRENEURS A R BO LFI NA N CI E RO.COM FRANCISCO CORDERO | JOAQUIN RIVERA Mexico - Fintech AC S E N DO CARLOS SANTANA Colombia - Enterprise Software & Services AYA N NA H MIKKO PEREZ Philippines - Fintech Arbol Financiero is an online marketplace for loans, with the goal of enabling every Mexican to have access to at least one financial product by 2030. An individual seeking credit through Arbol Financiero must only fill out a simple form, and then Arbol Financiero will find the credit platform that best suits the customer's needs, providing an answer within 4 business days at no cost. Arbol Financiero is also embedding its technology into both point-of-sale partners and lending partners (e.g. car dealerships and the largest network of private universities in Mexico, in which all student loans are originated through Arbol Financiero) thus reinforcing its marketplace and creating traction with zero marketing expenses. Acsendo aims to formalize and strengthen talent management within small and medium enterprises (SMEs) by providing them with tools to favor analytics over gut instincts. Acsendo offers SMEs access to a low cost, easy-to-use, and customizable platform for talent optimization; its data-driven tools allow businesses to streamline decisions around talent acquisition, retention, and compensation. The company has helped reduce employee turnover per company by 20% on average. Ayannah provides digital commerce and payment services for unbanked residents in the Philippines. The company offers Sendah Direct, a cloud-based software service that enables unbanked residents to make their transactions; Sendah, a B2C service for the migrant that focuses on overseas Filipinos; and Sendah Remit, a bank grade Software-as-a-Service that allows interoperable international and domestic remittance transactions across various networks. It specializes in developing and monetizing remote payment and present payment solutions that allows online and mobile communities to share and transfer values, such as prepaid airtime credits and other electronic cash equivalents. The company was founded in 2009 and is based in Pasig, the Philippines.