Branch delivers financial services (credit) to the emerging middle class in Kenya using smartphones. It uses data on the applicant’s phone to create a credit score which is used for credit decision-making.

PayJoy provides financing for smartphones in the U.S. and Mexico to people who otherwise may not be able to afford such modern electronics.

This company specializes in linking individuals with the financial products that best fit their needs and helps users improve their credit rating.

Gentera supports financial inclusion in Mexico, Peru and Guatemala and offers working capital loans, insurance, savings, payment methods and remittances.

Credit Sesame is a personal finance company that has online tools and a mobile app to help consumers monitor their credit history and manage their loans better.

Oportun is a mission-driven financial services company that uses advanced data analytics and technology to provide responsible, affordable personal loans to the 45 million Americans with little or no credit history.

Credit Karma is a personal finance company that helps consumers in the US monitor their credit and provides recommendations on loans and savings products.

BankBazaar is an online marketplace that gives consumers comparison on loans, credit cards or personal finance products such as insurance policies, bank loans and credit card offers

Activehours is an app that lets users draw small amounts of their pay check before next payday. It doesn’t charge the users any fees or interest but they can “tip” the app an amount they deem fair.

SimplyCredit partners with community banks in the US to offer consumers a line of credit that helps them move their revolving credit card revolving balances to a single lower rate line and improve their credit score, while keeping the credit cards. The payments are made to help reduce the principal too, not just the interest.