FOREWORD

JAVIER RAVENTÓS ACADEMIC & INNOVATION DIRECTOR JMR COMUNICACIONES

The Fintech ecosystem, we can say that it has several verticals: Digital Credit, Digital Payments, Business Finance, PFM & Wealthtech, Regtech, Crypto & Blockchain, Insurtech, Crowdfunding and Neobanks.

In Colombia our ecosystem every day has more companies that belong to one of these verticals, generating employment, helping entrepreneurs, government and people, through their services, products and technologies.

In this second issue of Fintech Companies in Colombia. Your challenges and achievements; we will find fascinating articles, written by professionals with great experience, both in the private sector and in the public sector. Each one from their perspective shares very valuable information, very interesting points of view and analysis of the current situation in our country. These great professionals include: Santiago Botero, Erick Rincón, Germán Jaramillo, Andrés Albán, Hernando Rubio, Juan Esteban Saldarriaga, Alexandra Mendoza, Freddy Castro, Andrea Giraldo, Enrique Candanoza, Juan Pablo García, Felipe Lega, Alejandro Beltrán, Camila Salamanca and Nuno Lopes Alves.

The Fintech ecosystem in Colombia, even in times as difficult as the current one, we see very interesting figures and an upward trend in the creation of new ventures and strengthening of those already present. We see how large investment funds are betting on the talent, work, dedication, effort and technological developments of the different companies of the ecosystem in our country; considered the third in the region.

We will also learn about the valuable work that different companies have been developing, in different verticals of the ecosystem, their passion, effort, dedication, vision.

Finsocial, which never stops surprising me, we will get to know its different companies around it, which are beginning to succeed under the same innovation ecosystem and the valuable social contributions that they have been developing through its foundation. ecollect that with its technology is effectively solving the correct identification of the different means of payment of the companies through its platform.

Payválida, one of the first payment gateways to implement cash payment, which has allowed greater financial inclusion for the population. Superpagos, with more than 100 million transactions / year and more than 20 million users using its transactional ecosystem, helping digitized financial inclusion. Kuenta, with a methodology

that not only streamlines the credit system, but also strengthens legality and fraud prevention, integrating each link in the credit chain. Vaki, democratizing financing in Latin America. Liquitech, with a factoring platform, which works and helps with a social sense, has become a great help for companies at this time of pandemic to have liquidity. inverti, the first real estate crowdfunding, which will soon become a great reference for investing in the real estate sector. Sophos, helping technological transformation, with world-class services, with a “software as a service” model. Juanchotepresta.com, with its agile and online credit solutions for people who need it. Experian, which with its valuable data and intelligent analysis tools, provides greater confidence when developing risk models for credit approval and client management to Fintech companies. Lyra, with its payment platform, constantly innovating, pioneers and creators of the WhatsApp payment functionality, certified with 3D Secure.

Tyba, a mobile application created to help save and invest from very low amounts, available to everyone; the app works as a digital investment advisor.

Pay U, a leading provider of online payments, sold nearly $ 5.5 billion in 2020, a boon for merchants of all sizes; He is also an investor in the Fintech ecosystem. Endeavor, who supports numerous Fintech companies in Colombia, through its services of connections, consultancies, participation in events, search for capital, education programs, access to world-class talent, among others. Coink, promoting financial inclusion with purpose and in a fun way and is now part of the pilot of the Financial Superintendence of Colombia in the cryptoassets project.

D´Una, a combination between insurtech and lending, where through its platform and points of sale we can acquire the SOAT.

Sured, one of the largest networks in the country, with more than 12 thousand direct points, generating more than 39 thousand jobs, providing money transfers, collections, payments, banking correspondence, credits and education.

I hope you enjoy this work, the same as I have enjoyed doing it, learning from all these stars.