What Are Business Credit Platforms Business credit platforms are tools that help companies track, understand, and manage their credit profile, but they are not the same as credit bureaus or scoring models. For many people, familiar names like FICO and Experian...
Small Business Loan Marketplaces: The Shift From Single Lenders to Multi-Lender Platforms Small business loan marketplaces are platforms that connect businesses with multiple lenders in one place, allowing them to compare financing options through a single...
What Is Digital-First Banking Digital-first banking is a model where banking services are designed to be used primarily through digital platforms, such as mobile apps and online interfaces, rather than physical branches. Instead of relying on in-person visits, users...
What Is Financial Data Aggregation Financial data aggregation is the process of collecting, combining, and organizing financial information from multiple accounts into one unified system. Instead of financial data being stored separately across banks, credit cards,...
What Is Banking-as-a-Service (BaaS) Banking as a service (BaaS) is a model that allows companies to offer banking features without being banks. Instead of building a bank from scratch, a company can connect to a licensed financial institution and use its...
What Is Payroll Connectivity Payroll connectivity refers to the ability for apps and financial platforms to connect directly to payroll systems and access income and employment data in real time. Instead of relying on documents like pay stubs or manual verification,...
Atomic: Payroll Connectivity and Income Platform Atomic Fi, Inc. is a Utah-based fintech company that connects payroll systems with financial applications. The platform enables other companies to access employment and income data directly from payroll providers,...
HealthEquity: HSA and Benefits Administration Platform HealthEquity is a fintech company focused on health savings and employee benefit accounts, based in Draper, Utah. It operates a platform used by employers and health plans to manage healthcare-related funds. The...
Route: Package Tracking Platform Route is a Utah-based fintech platform focused on package tracking and delivery protection for e-commerce purchases. Legally known as Route App Inc and headquartered in Lehi, the company operates in the post-purchase layer of digital...
BILL: Financial Operations Platform BILL is a financial technology company that provides software to help businesses manage payments and financial workflows. Headquartered in San Jose, California, the company operates in the business payments and financial operations...