With Dave, users can avoid expensive overdraft fees and payday loans, which often trap people in a cycle of debt. By providing an advance on users’ next paycheck, Dave helps them cover unexpected expenses or bridge the gap between paychecks. One of the key features of Dave is the option to get paid up to two days early. This can be a significant benefit for users who need immediate access to their funds. By receiving their paycheck earlier, users can better manage their finances and avoid late payment fees or other financial penalties. Another advantage of using Dave is the opportunity to build credit history. Dave reports users’ on-time payments to credit bureaus, helping them establish or improve their credit scores. This can be particularly beneficial for individuals who have limited or no credit history. Dave also offers advances of up to $250 without charging any fees. This means that users can access the funds they need without worrying about additional costs or interest charges. Instead of charging interest, Dave relies on donated tips from users to sustain its operations. By providing these financial opportunities, it aims to empower individuals and improve their financial well-being. By avoiding predatory lending practices and offering fair and transparent services, Dave helps users take control of their finances and work towards a more secure future. Social Link

Daylight offers a range of features and benefits tailored to the LGBTQ+ community. These include: 1. Financial Education: Daylight provides educational resources and tools to help members improve their financial literacy and make informed decisions about their money. This includes articles, guides, and interactive tools to help members understand topics such as budgeting, saving, investing, and credit. 2. Banking Services: Daylight offers a full suite of banking services, including checking and savings accounts, debit cards, and mobile banking. Members can easily manage their money, make payments, and track their spending through the Daylight app. 3. Community Support: Daylight aims to create a sense of community among its members. The platform provides a space for members to connect with each other, share experiences, and find support. Daylight also partners with LGBTQ+ organizations and advocates to provide additional resources and support. 4. LGBTQ+ Affirming: Daylight is committed to creating a safe and inclusive space for its members. The platform uses gender-neutral language and avoids assumptions about members’ identities. Daylight also actively works to address the unique financial challenges faced by the LGBTQ+ community, such as discrimination, healthcare costs, and legal issues. 5. Personalized Financial Planning: Daylight offers personalized financial planning services to help members set and achieve their financial goals. Members can work with financial advisors who understand the specific needs and challenges of the LGBTQ+ community. 6. Social Impact: Daylight is dedicated to making a positive impact on the LGBTQ+ community. The platform donates a portion of its revenue to LGBTQ+ organizations and initiatives. Members can also choose to round up their purchases and donate the spare change to LGBTQ+ causes. Overall, Daylight aims to empower and support the LGBTQ+ community by providing accessible and inclusive financial services, educational resources, and a sense of community. Social Link

Decta Ltd is an electronic money institution that specializes in providing payment processing solutions. They offer a range of services including merchant account services, merchant acquiring, credit card and payment processing services, and white-label card issuing. One of their main services is accepting card payments with a merchant account. This allows businesses to accept payments from customers using credit or debit cards. Decta Ltd provides the necessary infrastructure and technology to securely process these payments. They also offer merchant acquiring services, which involves providing businesses with the ability to accept card payments and settle funds into their merchant accounts. This allows businesses to easily manage their payment processing and receive funds in a timely manner. Decta Ltd also provides credit card and payment processing services. This includes the processing of credit card transactions, as well as other payment methods such as direct debit and bank transfers. They ensure that these transactions are processed securely and efficiently. Another service offered by Decta Ltd is white-label card issuing. This allows businesses to issue their own branded payment cards, which can be used by their customers for purchases. Decta Ltd provides the necessary infrastructure and technology to support this service. Overall, Decta Ltd is focused on providing flexible payment processing solutions to organizations. They aim to make the payment process as seamless and efficient as possible, while ensuring the security of transactions. Decta Ltd is authorized and regulated by the Financial Conduct Authority in the United Kingdom, providing assurance to their clients that they operate within the necessary regulatory framework. Risk Appetite License TypeElectonic Money Institution,RegulatedYes ,Processing currenciesEUR, USD ,Settlement CurrenciesEUR, USD ,API DocsLink Features 3D Secure Processing,Payment Link,Payouts,Recurring Payments,Refunds Solutions Card Issuing,Fraud Prevention,Mobile Checkout,Online Payments,Open Banking,Payment Gateway,Point of Sale,Risk Management & Security,Whitelabel Accepted Industries E-commerce,Financial Services,Gambling,Gaming,Hospitality,Travel Payment Options Apple Pay,Mastercard,Visa Social Link

Deserve’s CaaS platform allows financial institutions to offer their customers branded credit cards without having to build and maintain their own infrastructure. This enables these institutions to quickly and easily enter the credit card market and provide their customers with a seamless and personalized credit card experience. The platform includes a range of tools and features that financial institutions can leverage to enhance their credit card offerings. This includes customizable card designs, rewards programs, and spending controls. Financial institutions can also access detailed analytics and reporting to gain insights into their customers’ spending habits and preferences. In addition to the platform itself, Deserve also provides education and resources to help financial institutions better understand the credit card market and effectively market their offerings. This includes access to industry experts and best practices for customer acquisition and retention. Deserve partners with Celtic Bank to issue its credit cards. Celtic Bank is a Member of the FDIC, which provides added security and peace of mind for customers. Overall, Deserve’s CaaS platform enables financial institutions to offer their customers a branded credit card solution that is tailored to their needs and preferences. By leveraging Deserve’s technology and expertise, financial institutions can quickly and easily enter the credit card market and provide their customers with a seamless and personalized credit card experience. Social Link

Desjardins also offers online and mobile banking services, allowing clients to manage their accounts, make payments, transfer funds, and access a range of financial tools and resources. The cooperative nature of Desjardins means that profits are reinvested back into the organization to benefit its members and the communities it serves. Desjardins is committed to sustainability and social responsibility, and has implemented various initiatives to support environmental conservation, community development, and financial education. It also offers specialized services for specific industries, such as agriculture, real estate, and healthcare. Overall, It aims to provide its clients with personalized and innovative financial solutions, while also contributing to the economic and social well-being of its members and communities. Social Link

DBS Bank, based in Singapore, is a leading financial services organization in Asia, known for its innovative strategies and commitment to redefining banking. It offers a wide range of services, including consumer banking, wealth management, and corporate banking, catering to diverse clientele across key Asian markets like India, Indonesia, and Hong Kong. A key to DBS’s success is its focus on digital transformation, with significant investments in technology that enhance customer experience and streamline banking services. This commitment has earned the bank international recognition for its digital offerings. Additionally, DBS is dedicated to sustainability and community development, integrating corporate responsibility into its business model through initiatives that promote sustainable practices and support local communities. This holistic approach enhances the bank’s reputation and impact. Year Founded: DBS Bank was founded in 1968 and has since grown to become a leading financial services group in Asia. The bank is headquartered in Singapore, a global financial hub, which positions it strategically to serve a diverse range of markets across the region. CEO: The current CEO, Piyush Gupta, has been at the helm since 2009. Under his leadership, DBS has embraced digital transformation, earning accolades such as the “World’s Best Digital Bank” by Euromoney. Gupta’s vision has driven the bank to innovate continuously, enhancing customer experience through advanced digital solutions. Headquarters: DBS Bank’s headquarters in Singapore allows it to leverage the city’s robust financial infrastructure and regulatory environment. This strategic location also facilitates the bank’s expansion into key Asian markets, including India, Indonesia, and Hong Kong. Why Choose DBS Bank? Innovative Digital Solutions: DBS Bank is renowned for its cutting-edge digital banking services. Recognized as the “World’s Best Digital Bank” by Euromoney, DBS leverages technology to provide seamless, secure, and user-friendly banking experiences. This makes managing finances more convenient and accessible for customers. Sustainability Commitment: DBS Bank integrates environmental, social, and governance (ESG) considerations into its business strategy. The bank actively supports green financing initiatives and aims to reduce its carbon footprint. This commitment to sustainability reflects DBS’s dedication to responsible banking and its efforts to contribute positively to the environment and society. Strong Regional Presence: With headquarters in Singapore and a significant presence in key Asian markets such as India, Indonesia, and Hong Kong, DBS Bank combines local expertise with a robust digital infrastructure. This strategic positioning allows DBS to deliver tailored financial solutions that meet the diverse needs of its customers across the region. Leadership and Vision: Under the leadership of CEO Piyush Gupta, DBS Bank has embraced a forward-thinking approach, driving continuous innovation and growth. Gupta’s vision has been instrumental in transforming DBS into a digital leader in the banking industry. Customer-Centric Services: DBS Bank prioritizes customer satisfaction by offering a wide range of services, including consumer banking, wealth management, and corporate banking. Their focus on enhancing customer experience ensures that clients receive personalized and efficient service. Community Development: Beyond financial services, DBS Bank is committed to fostering community development and financial inclusion. The bank’s initiatives aim to support local communities and promote economic growth, making a positive impact on society. Social Link

CTBC Bank offers a comprehensive range of banking services to meet the needs of individuals, businesses, and institutions. These services include: 1. Personal Banking: CTBC Bank provides various personal banking services, including savings accounts, fixed deposits, credit cards, personal loans, mortgages, and wealth management solutions. Customers can access their accounts through online banking, mobile banking, and ATMs. 2. Business Banking: CTBC Bank offers a range of banking solutions for businesses, including business accounts, business loans, trade finance, cash management, and treasury services. The bank also provides specialized services for small and medium-sized enterprises (SMEs) to support their growth and development. 3. Corporate Banking: CTBC Bank provides a comprehensive suite of banking services for corporate clients, including corporate accounts, working capital financing, project financing, syndicated loans, trade finance, cash management, and treasury services. The bank also offers specialized services for multinational corporations (MNCs) to support their global operations. 4. Investment Banking: CTBC Bank offers investment banking services, including underwriting and distribution of securities, mergers and acquisitions advisory, corporate finance, and capital market solutions. The bank also provides research and analysis to help clients make informed investment decisions. 5. Wealth Management: CTBC Bank provides wealth management services to help individuals and families grow and protect their wealth. These services include investment advisory, portfolio management, trust services, insurance products, and retirement planning. 6. International Banking: CTBC Bank has a strong international presence and offers a range of international banking services, including cross-border trade finance, foreign exchange services, correspondent banking, and global cash management. The bank also provides international banking solutions for Taiwanese companies expanding overseas and foreign companies operating in Taiwan. 7. Digital Banking: CTBC Bank is committed to digital innovation and provides a range of digital banking services, including online banking, mobile banking, and digital payment solutions. The bank also offers digital tools and platforms to enhance customer experience and convenience. CTBC Bank is known for its customer-centric approach, innovative products, and commitment to excellence. The bank has received numerous awards and accolades for its banking services and has a strong reputation in the industry. Social Link

Current is a modern banking platform that provides a variety of financial services. It offers faster payments, allowing users to receive their paychecks up to two days earlier with direct deposit. Current also provides a credit building feature that simplifies the process of building credit with everyday purchases. Despite these benefits, certain fees may apply, including those for out-of-network ATM usage, late payments, foreign transactions, card replacements, cash deposits, and third-party processing. However, Current does not require credit checks or history for application. Additionally, it offers a Savings Boost feature, enabling users to earn an annual bonus of up to 4.00% on their savings. Users can also buy and sell cryptocurrencies from a selection of coins without any trading fees. Year Founded: Current was founded in 2015. Headquarters: Current is headquartered at 217 Centre Street Suite 180, New York, New York, 10013, United States. Why choose Current? Faster Payments: Get paid up to 2 days faster with direct deposit. Credit Building: Simplified credit building with everyday purchases. Savings Boost: Earn an annual bonus of up to 4.00% on your savings. Cryptocurrency Trading: Buy and sell cryptocurrencies from a selection of coins without any trading fees. No Credit Checks: No credit checks or history required to apply. Transparent Fee Structure: Some fees may apply, including out of network ATM fees, late payment fees, foreign transaction fees, card replacement fees, cash deposit fees, and third party processing fees. Social Link

Currenxie (UK) Ltd is an electronic money institution that specializes in providing global business accounts. They offer a range of services including business accounts with IBAN, business payment cards, and foreign exchange services. Their target customers include small and medium-sized businesses, large corporates, marketplaces, sole traders, and freelancers. As an electronic money institution, Currenxie (UK) Ltd is authorized and regulated by the Financial Conduct Authority (FCA) in the United Kingdom. This means that they must adhere to strict regulatory standards and meet certain requirements to ensure the safety and security of their customers’ funds. In terms of financials, Currenxie (UK) Ltd had total assets of 501,241.00 GBP in 2019. This indicates that they have a solid financial foundation to support their operations and provide reliable services to their customers. Overall, Currenxie (UK) Ltd is a reputable electronic money institution that offers a range of services to businesses of all sizes. Their authorization and regulation by the FCA provide customers with confidence in the safety and security of their funds. Social Link

Curve, founded in 2015 by CEO Shachar Bialick and headquartered in London, is a financial super app that consolidates all your cards into one. It offers the flexibility to switch payments between cards even after they’ve been made, the opportunity to earn cashback on purchases, and eliminates foreign exchange fees. By keeping your actual bank card details hidden, Curve also provides a safer way to spend. These innovative features make Curve a compelling choice for those seeking a more streamlined and efficient way to manage their financial life. It’s like having a financial control center in your pocket. Year Founded: Curve was founded on April 2, 2015. CEO: The CEO of Curve is Shachar Bialick. Headquarters: Curve is headquartered in London, England, United Kingdom. Why choose Curve? All Cards in One: It allows you to connect all your cards into one, eliminating the need to carry multiple cards and remember numerous PINs. Switch Payments: With It, you can switch payments between cards even after you’ve made them. This feature provides flexibility and control over your finances. Earn Cashback: Depending on the type of Curve card you have, you can earn between 1% to 3% cashback at a wide range of retailers. No Foreign Exchange Fees: When you use your bank or credit card abroad, you’re often hit with hefty foreign exchange fees. It eliminates these fees, saving you money on your overseas purchases. Security: It provides a safer way to spend by keeping your actual bank card details hidden when you shop online or in-store. Social Link

With Cushion, customers can link their bank accounts and credit cards to the app, which then analyzes their transaction history to identify any potential fees or charges. The app uses advanced algorithms and machine learning to detect fees that may have been overlooked by the customer. Once a fee is detected, Cushion’s AI-powered negotiation engine goes to work, contacting the bank or credit card company on behalf of the customer to request a refund or reduction in the fee. Cushion’s team of experts handles all the negotiations, saving customers the time and hassle of dealing with customer service representatives themselves. Cushion’s negotiation engine is constantly learning and improving, using data from previous negotiations to optimize its strategies and increase the chances of success. The app also provides real-time updates on the progress of negotiations, keeping customers informed every step of the way. In addition to fee detection and negotiation, Cushion also offers other financial management tools to help customers save money and improve their financial health. The app provides personalized spending insights and recommendations, helping users identify areas where they can cut back and save. Cushion also offers a savings feature, allowing customers to set aside money automatically and earn interest on their savings. Overall, Cushion aims to make managing finances easier and more rewarding for its customers. By leveraging AI and advanced technology, the app helps users save money, avoid unnecessary fees, and achieve their financial goals. Social Link

They have a wide range of products, including handheld POS devices, mobile POS devices, and desktop POS devices. Their products are designed to be user-friendly, reliable, and secure, making them ideal for businesses of all sizes. One of Datecs’ flagship products is the BluePad-50, a handheld POS device that combines the functionality of a traditional cash register with the convenience of a mobile device. The BluePad-50 is equipped with a built-in printer, barcode scanner, and magnetic stripe reader, allowing businesses to easily process payments and manage inventory on the go. Another popular product from Datecs is the BluePad-500, a mobile POS device that can be used with a smartphone or tablet. The BluePad-500 connects to the smartphone or tablet via Bluetooth, allowing businesses to accept payments anywhere, anytime. It also supports contactless payments, making it a versatile and convenient solution for businesses. In addition to their hardware solutions, Datecs also offers software solutions to complement their POS devices. Their software solutions include inventory management, sales reporting, and customer relationship management, allowing businesses to streamline their operations and improve efficiency. Overall, Datecs is committed to providing innovative and reliable POS solutions to businesses around the world. With their cutting-edge technology and dedication to quality, Datecs is well-positioned to continue leading the industry for years to come. Social Link