Retail

Bread
getbread.com
New York City, U.S.
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Partners with retailers to facilitate pay-as-you-go financing solutions, for better customer relationships and sales growth.

Bread:
This New York-based fintech wants to build stronger relationships between retailers and consumers, by partnering with retailors to create financing solutions. These partnerships allow Bread to facilitate pay-as-you go solutions for the consumer, through technology that adds both to the retailers’ accessibility and grows sales.
Clarity Money
New York, NY

PFM app that helps bring transparency to consumer finances.

A free personal finance app, Clarity Money, wants to give control of consumer finances back to the consumer.

By using transparent mobile financial tools, Clarity Money, launched in 2016, provides all of the data and insights consumers need to have a holistic view of their finances.

The app provides allows users to create savings accounts, and enables a clearer view into their spending habits.

Could this be the money managing tool of the future? We’re going to find out.
Starling Bank
London, England

A digital-only U.K. bank.

The new neobank, Starling, allows users to manage all their accounts from their smartphone, augmented by a Starling banking card, and supported by Mastercard.

While the bank is embracing all forms of digital technology–including experiments with Alexa and voice commerce–it also comes with a physical card for those who need to be eased into the ways of the future.

That physical card may also be loaded for Apple and Android Pay, as the startup strives to make banking easier.
Teller
New York, New York
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Chatbot providing automated customer service through messaging to financial institutions.

Based in New York, Teller uses automation to provide well-rounded answers to consumers when it comes to questions on budgeting, saving, and other routine financial activities.

The service thus allows banks and other FIs to better communicate with customers, as the user will send a question to the FI through a familiar messaging platform.

Currently, the company is running a pilot with Brooklyn Collective, where users can “text” the credit union to receive answers.