đź’ˇ Ideas AI

Powered by OpenAI

Ideas on this page are 100% generated by OpenAI's GPT-3, an artifically intelligent deep learning model, without human involvement, and trained by you and 806,617+ other people who liked or disliked ideas. How it works

by @levelsio



Credit Startup Ideas

Sponsor: You don't need to go back to the office! Find a remote job on Remote OK and work from anywhere


A startup that uses artificial intelligence to detect credit card fraud. The startup recently raised $1 million to begin working on its app.

772

A startup for selling and buying used computers from other people. Users can sell their old computers in exchange for cash or trade them in for newer ones. The company provides a platform to help people sell their old computers and also offers a buy credit option.

377

A company that provides an API that allows users to integrate and track their credit cards

241

A startup that provides financial planning for high net worth individuals and families, and which has worked with the likes of Goldman Sachs, Credit Suisse, and Fidelity.

157

This startup wants to build a new type of credit card for the underbanked, especially in developing countries. It takes the form of a prepaid card and is available in any currency. Given the lack of banking options in many such countries, the startup sees a lot of potential for growth.

142

The founders of this startup are trying to create a new kind of credit card that can be used across multiple merchants, instead of different cards for different merchants.

135

A credit card that is funded by users rather than banks, with a cap on monthly spending.

133

A team of data scientists comes up with a way to use machine learning to detect fraudulent credit card purchases. The company says it has already helped its clients save $7 million, and expects to save the same amount this year as well.

130

A B2B service for helping retailers automate the process of accepting credit cards.

127

A company that uses AI to help people understand their credit score. It’s founded by a former VP of risk at FICO, and has raised $40 million.

118

A startup building a software platform for retail that automates product returns, credit, and refunds on all e-commerce sites

115

An educational tool that helps students in the US get certificates from universities around the world. The startup helps students get their credits in real time, with a guarantee that their credits will transfer to the school they’re attending.

110

Idea: A credit card that rewards people for healthy behavior

108

A partnership that facilitates the creation of credit scoring software.

105

A credit card for the underbanked. It eschews traditional bank systems and instead relies on direct deposit.

104

A credit card for the underbanked.

103

A company that wants to be the “Uber of home security”, letting people pay for home security devices with their credit cards and then let the company handle the rest. The company has raised $10 million in a Series A.

103

A mobile app for finding the closest parking spot to where you’re going, with the ability to pay for it with a credit card.

102

A platform that brings the benefits of crowdfunding to the traditional credit card industry.

102

A chatbot that aims to help people better understand their credit score and make more informed decisions about credit.

97

A startup that wants to help people in Latin America track their expenses and grow their credit score The company’s founders say that after launching in early august, they’re already working with over 3,000 retail accounts

96

A platform where people can pay with their debit and credit cards to buy products from merchants.

96

A tool that helps you compare credit cards and other features.

96

A software for consumers to share their credit with friends without going through a bank.

96

A consumer credit card that’s crowd-funded

96

A startup to help you understand your current credit card’s reward programs

96

A startup that helps credit unions expand their lending options by lowering the cost and time it takes to get a loan.

96

A platform that allows people who have low credit scores to apply for microloans

95

A credit card that allows you to donate to charity on a monthly basis.

94

This startup is building an online and mobile platform to help consumers research credit cards, loans, and credit scores.

94

A credit card issuer that focuses on low-income consumers.

93

The company’s first product is a credit card reader that plugs into a mobile device. It’s meant to work with a smartphone’s wireless charging capabilities.

93

This is an application that lets you set up a credit card and apply for a bank loan instantly, within a few minutes of signing up.

93

A startup that makes it easier for hotel guests to use their credit card on property. The company’s founders came up with the idea at a conference where the hotel they were staying at had a similar feature, and thought there was a better way to do it.

93

A microfinance platform for the poor that provides an online finance management system. It helps with credit, savings, loans, and building businesses.

93

A startup that works with large finance companies to build a tool to help them understand their customers’ credit scores.

93

A startup that provides credit to college students based on their predictive ability of their future grades

92

A credit card that has no annual fee and no foreign transaction fees. The company is in India.

92

This startup wants to make it easier for companies to take credit for their employees’ achievements, while also helping workers use their data to get more from their employers.

91

A San Francisco startup aiming to become the first credit union to offer free checking and savings accounts to any member of the U.S. Armed Forces.

91

A startup that allows small businesses to sell their products online, and pay vendors with a digital wallet, and only with verified credit card.

90

A startup that helps you pay for things with credit cards for merchants who may not have the traditional infrastructure.

90

A tool for cashiers to easily check if a transaction is considered a cash or credit one.

89

A company that helps you create a credit score in a few minutes.

89

A credit card with a debit card that earns points and can be used for all purchases, including travel and dining.

89

A startup that wants to provide an alternative to the major companies that offer access to credit cards.

88

A credit card for people who are underbanked. The company offers a line of credit that doesn’t require a credit check, allowing people to put down as little as $1.

88

A platform for micro-transactions for online merchants. The startup wants to eliminate the need for credit cards. The startup has its first pilot under its belt, with $300,000 in monthly revenue.

88

A tool for banks to vet potential borrowers based on their credit score, then offer guidance to help them get approved. “If you have a credit score, we can fix your credit score.”

88

A startup that makes it easy for small businesses to get the financing they need. Pure is a platform that helps businesses build a relationship with banks or credit unions, which can then make lending decisions on behalf of the business without requiring a formal loan.

88

A credit card for small businesses. The startup wants to help small businesses get credit cards, but it’s not a credit card.

88

The idea is that you could use a built-in chip that connects to your phone to allow your phone to act like a credit card. The idea is still in the early stages.

87

The startup is building a way for people to keep track of their credit scores and other financials via the web or mobile.

87

A free database of all consumer credit cards, available online and allowing users to search for cards, compare them, and see where they’re used.

87

A credit score for websites, allowing users to get information on their creditworthiness without needing to apply for credit.

86

A software company designed to make college affordable by allowing students to pay for it with credit.

85

This startup is building a payment platform to help rural local businesses accept credit cards. The startup is based in the Philippines and has been working with both credit cards and bank-issued debit cards in the country.

85

A company that allows people to plug in their credit card info, and then allows them to download their credit report

85

Aiming to make it easier for people to use digital cash, the startup wants to make it easier for people to pay each other without the need to send money through a bank. They’re working to make digital cash as ubiquitous as a credit card.

84

A platform that enables online businesses to easily take payments with a credit card.

84

A startup that helps you visualize your credit score and quickly access information on your credit report and credit score.

84

A startup that helps people manage their finances and credit scores. The company offers mobile credit monitoring and a personal finance management tool.

84

A startup that wants to solve the problem of allowing businesses to accept credit cards and bank accounts in one place. After launching in April, the company is now working on making the process seamless for customers.

83

A software & hardware startup that makes a $100 credit card with a built-in fingerprint scanner

83

A mobile app that helps users save money by suggesting the right balance for their credit cards. The startup has raised $1 million in seed funding.

83

A company that builds products that help people understand their finances and save money. It saves customers money in the form of lower interest rates and lower cost of credit, and it pays interest on all savings in a person’s bank account.

83

A credit card that earns points for saving money. The startup helps people save money by helping them save points on their credit card through savings accounts.

83

The startup is looking to disrupt the $2.8 trillion consumer credit industry, which it says is ripe for disruption by building a better credit scoring system for micro and small businesses using data from a company called Credit Karma.

82

A new way of paying for groceries using a credit card, with the goal of helping people make healthier, more affordable choices.

81

A company that lets you find a local attorney and pay via credit card.

81

A software-as-a-service platform that helps people easily manage their credit and student loan accounts. The startup is also building a personal finance dashboard.

81

Startup that allows users to pay for their Uber rides with their Chase credit card, resulting in credits to their card balance.

81

A startup that wants to help its customers find the right credit card with the right rewards program.

81

A platform that helps retailers figure out how to attract more customers through social media. It uses a combination of data and algorithms to predict who will sign up for their credit card, and who will visit their physical store.

81

Built for a “very different industry”, this startup is helping people manage their credit cards.

81

A mobile app that helps a person use a credit card that does not have a magnetic stripe. Instead, it uses a special card reader that reads the information on the card, and sends it to the app.

81

A startup that lets users pay their bills via credit card orders.

80

A real estate focused business that connects tenants and landlords. The startup is a bit like Rocket Mortgage, a company that helps people with bad credit refinance their home loans — the startup’s focus is more on the landlord side of the equation. The startup charges a monthly fee of $50 for their service.

80

A tool for managing student debt, allowing users to “raise the rates they pay on student loan or credit card debt by a percent or more”.

80

A personal finance app that provides a dashboard to track spending, credit, and savings.

80

A company that allows entrepreneurs to raise money with their credit cards (and pay back later with future earnings).

80

A micro lending platform that helps small businesses in India access credit. It doesn’t charge interest, but charges a fee for the loans.

79

A start-up that allows you to pay for your Lyft or Uber ride using the credit you get back from your credit card company’s rewards program.

79

Online platform that helps small businesses access business loans and credit cards from local banks. The startup has raised $2 million from a range of investors.

79

This startup is a platform that allows shoppers to send gifts to any other shopper with a linked debit or credit card, or even a prepaid card.

78

 A “Global Credit Network” where you can borrow money from anyone in the world — no credit checks and no collateral. The startup is building the infrastructure to make international microlending easy.

78

A platform that connects companies to freelancers via a web app. The startup accepts payments via PayPal and credit card.

78

A Chinese-focused ecommerce platform that was built on the idea that China's economy is less of a free market and more of a controlled economic system. The company is working on a solution to let individuals buy goods without a bank account and without a traditional credit card.

78

A peer-to-peer mortgage marketplace, where borrowers could get a credit score, FICO score, and a monthly payment quote by asking friends to lend money to them.

77

A platform that helps small businesses manage their finances by bringing together all their bank accounts and credit cards into one dashboard for employees, and for employees to request payments.

77

A startup that helps people manage their credit score

76

The company's app is designed to help consumers monitor the health of their finances, including credit scores, debt and income. The application, which is in beta, is available for Android and Apple iOS smartphones.

76

A software platform that lets people transfer money between their bank accounts, and their credit cards.

76

A startup that aims to solve the problem of the billion people on the internet with no credit cards.

75

A company that connects retail stores with talented baristas. The startup offers the ability to get coffee from the comfort of one’s own home, and pay with a credit card.

75

A startup that provides a custom-branded credit card for businesses. The startup is working with a handful of national merchants and aims to scale eventually.

74

A software company that uses AI to predict your monthly credit card payments, based on your current spending.

74

A startup that wants to make the “banking process” easy for millennials. The CEO says that half of millennials don’t have checking accounts, and another third don’t have credit cards. They want to do for banking what Mint did for personal finance.

74

A tool to help users understand the credit and risk of the costs of their insurance plan.

74

A tool to help people understand their finances, in the form of an app that takes a person’s income and expenses and tells them how much to spend each month. The startup is also building a tool to help people understand their credit scores, and is working with several credit scoring agencies.

73

An online marketplace for home services and the services of other contractors. Users can find services and contractors by keywords, and pay with a credit card or PayPal.

73

This credit card processor is trying to make small businesses feel more secure about their accounts.

73

A company that turns a smartphone into a credit card terminal for money transfers.

73

A startup that wants to make your money work for you, without having to do the work yourself. The company’s first product is a small device that makes it easier for people to open their credit card accounts, and has plans to expand to other financial products like insurance.

73

Similar to the standard credit card processing business, but with a more tailored product. The startup has a subscription model, and aims to break down the barriers to entry for smaller businesses.

73

A tool that helps you find the best interest rates for your credit card. The startup says they have more than 1,000 users and are growing by 100 users a month. The founders say they’ve raised $1.3 million in funding from angel investors.

72

A platform for selling online courses and subscriptions, allowing students to take online courses for credit and work towards certifications.

72

A company founded by a team of Stanford and Berkeley researchers that uses AI to detect and prevent fraud. The software aims to detect when a person is trying to make a credit card purchase in a store and notify the appropriate employees, who can then stop the transaction.

72

A company that makes digital wallets for vending machines, allowing users to pay with credit cards and cash.

72

A digital credit card designed to help people pay for things by charging a small amount each time they use it.

72

Helps users find the best deals on flights, hotels and car rentals. The startup allows you to search for flights, hotels, car rentals and more, and then allows you to filter the results by price, location, amount, and whether you’d like to pay with cash or credit card.

72

A startup that gives you a free credit card (with no annual fees) when you sign up for a certain amount of money back when you shop online

71

This startup is building an application that connects credit unions with third parties like landlords, allowing them to provide credit to their members at a lower cost than in-person lenders.

71

This startup wants to build a customizable, flexible, and affordable credit score.

71

A credit card with no annual fee, no foreign transaction fee, no penalty fees, no cash advance fees, no late fees, and a 0% intro APR for 15 months.

71

A software development company based in Utah. They’ve built a platform that helps small businesses get paid faster by automating the process of bill-pay and credit card collection.

71

A payments platform that allows merchants to accept credit card payments in-app.

71

Startup that builds a platform to pay for parking with a credit card.

70

A startup that provides a commission-free stock trading platform for accredited investors

69

A startup that wants to build a smartphone-based payment system, with support for cryptocriteria like Bitcoin and Litecoin, to replace the credit cards people use to pay each other.

69

A startup that helps people understand their credit score and how to use it to their advantage

68

A credit reporting agency that uses AI to predict a person’s financial risk.

68

A free service that allows you to track and manage your 20+ credit cards in one place.

68

A company that distributes plastic bags to shoppers in developing countries so they can buy groceries on credit.

68

A startup that’s building a way to make it easy for existing credit card users to get the same rewards as users of new cards.

68

A mobile app that allows you to manage your credit and debit card numbers with just your phone’s camera and a voice response. Circle uses the camera to take a picture of the card and then calls the number on the card to confirm it’s valid before linking it to your phone.

66

A crowdfunded loans startup that helps credit unions offer small business loans to their members. It partners with Fiserv and its lending platform.

66

A tool that provides an interface to connect to third-party data sources, like credit cards, loyalty programs, and other apps, to produce a complete customer profile.

66

They’re building a credit scoring platform that looks at your credit history, social media presence, and other things to predict your creditworthiness.

66

A startup that helps companies in Brazil manage all of their consumer credit with the help of a single dashboard.

66

An “invisible” credit card. The startup aims to use biometrics, like facial recognition, to replace physical credit cards. It’s first product is a “perpetual” card that can be used in lieu of a regular card.

65

A startup that helps individuals and companies manage their credit card debt in a more timely and efficient way.

65

A wireless charging pad that looks like a credit card. The company wants to create a whole ecosystem that combines charging stations, wireless charging pads, and a mobile app.

65

A desktop application that allows people to quickly and easily pay their bills, from utility companies to credit card companies.

65

A credit card you can use for virtual items, virtual real estate, and virtual donations.

65

An “incredibly fast” and “less expensive” way to process credit card payments on the web.

65

A mobile app that allows users to find and book a taxi and pay for rides with their credit cards. Currently operating in the UAE.

64

This startup is building a credit scoring system that combines traditional FICO scores with an algorithm it’s using to predict the likelihood that a person will default on a credit card.

63

A $100 credit card designed for students who want to pay down debt.

62

A platform that connects lenders to people who have bad credit to pay loans back on time. The company’s cofounder, David Leon, says the company is profitable, has more than $1.3 million in loans, and has been servicing loans for over a year.

61

A company that makes credit scores that are based on a person’s social media activity, rather than their credit history.

61

A set of tools for small- and medium-sized businesses to manage their credit and invoice processes.

61

Credit card skimming startup that has raised $1.2 million to help merchants cut down on fraud.

61

An online platform that gives people access to credit for the things they need.

61

A consumer credit score for the US that scores potential customers on their creditworthiness.

60

A machine-learning platform for detecting fraud in credit card transactions.

60

A startup that helps small businesses market to homebuyers. Their product is a “premier content marketing platform” that utilizes detailed data about a dozen variables, including income, credit score, and the type of property they’re looking for.

59

An API that lets customers pay any merchant in the world, directly through their website, with no credit-card processing fees.

59

Idea : A startup that helps people manage their money and credit, price shopping and saving, and do it all with a single app.

59

A crowdfunding website with a different twist. Currently popular in the UK, the platform allows users to use online loans for funding instead of just credit cards.

58

This startup is building a vending machine for the financial sector. It’s an open source vending machine that lets banks and credit unions buy and sell financial products in bulk.

58

This startup is building a “smart” card that runs on a local RFID (radio frequency identification) chip. The card is intended for use in vending machines and retail stores where sales occur, but the company is also looking to use it in other contexts like credit/debit cards and membership cards.

58

A member-driven credit union that allows members to invest their money in peer-to-peer lending. The startup raised an $8 million round in April 2019, and plans to roll out to the UK and Germany in 2020, as well as other countries.

58

A way of helping people track their credit card transactions.

57

A company that provides a service that lets customers pay for their groceries using a credit card without having to carry cash.

57

A chatbot that helps users find out their credit score and get to know their credit history.

57

A small loan marketplace that allows anyone to lend and borrow locally, in person, with no credit score required.

56

A content marketing startup that wants to make customers more aware of their own credit card data. The company’s strategy is to make the customer’s credit card data more transparent by showing customers a breakdown of their expenses and a way to lower them.

56

A startup trying to bring payments made through a physical credit card to cash-only establishments. The startup is pitching its service as a way to bring cash-only businesses into the digital age.

56

A digital payment solution for baristas that allows them to accept credit cards, debit cards, and Apple Pay payments. The startup is currently focused on the US market.

56

A credit card that doesn’t expire for 24 months. The startup is now in the process of getting a bank account and possibly a credit card license in the US.

55

A new service that lets companies run their own credit card processing, giving them the ability to take cash out of the ATM and sending it directly to a bank account.

55

A platform that helps you get the best rates on your loans, or credit cards.

55

A startup that’s building a digital card for people who don’t have credit cards, allowing them to purchase goods without a bank account.

55

A startup that wants to build a system to help people in the developing world manage and track their food using a mobile phone. It’s building a platform that allows customers to buy and sell food using a mobile phone and a credit card.

55

A venture-backed startup that serves as a marketing platform for credit card and bank data that lets companies run campaigns. It’s also a marketplace for data, where companies can buy and sell their own data sets.

54

A company that sells a credit score you can track with their app, allowing you to monitor your credit score and see how it changes over time.

54

A credit card that rewards its customers for giving back to the community. Instead of paying a flat fee for the credit card, customers are charged based on the number of points they earn for charitable donations.

54

A startup that uses its own technology to construct a new type of credit reporting agency, which will offer credit score and credit monitoring to people who do not have access to traditional credit reports.

53

Fintech startup that wants to help small businesses with cash flow and credit management.

53

It’s a brand new concept in the world of advertising, using the “perks” of a travel-based credit card to show you ads you’d be interested in on a flight.

52

A startup for direct sales of international travel, with a focus on leisure travelers. The startup provides an easy way to book and pay for the flight with a credit card and splits the commission with the travel agent.

52

A startup that helps individuals sell their online shopping and other services, and get paid via their credit card.

52

A platform that helps busy people manage their finances, including personalized budgeting and credit card management suggestions.

52

 A startup that wants to replace the standard “credit score” with a better, more holistic one.

51

A platform that will allow users to access their credit scores and other financial information, whether or not they’re currently signed up with a bank.

51

A startup that helps people check their credit score, see how it has changed, and find out new credit options.

51

A “digital credit card” for the blockchain-based payments market.

51

A “socially conscious” credit card that doesn’t charge users extra for not using plastic. The startup has a $1 billion market cap.

49

A payments startup that helps merchants accept all major credit cards by charging them the same price. PayMill charges the merchant a flat 2.5% fee for every credit card transaction.

49

A platform that helps new businesses get started, allowing them to get a credit line and borrow money at favorable rates from lenders.

48

A startup that wants to take your credit card data and have it automatically pay your bills, so you never have to pay a late fee.

48

A personal finance management app for managing credit scores, debt and budgeting.

48

A way to make payments and transactions easier for the 2 billion people that still don’t have access to credit cards.

48

A tool for people to search for home insurance, with options for low-income renters and those who have no credit history.

48

A startup for managing and comparing all of your home loans, credit cards, car loans, and other loans.

48

A company that helps companies manage their HR functions. The company’s software enables companies to manage their employee records like mortgages, healthcare, and credit cards, and their payroll, benefits, and retirement.

47

A digital tax preparation software that automatically calculates federal and state taxes based on a person’s income, deductions and credits

47

This is an app that aims to help people understand their credit score and how it can affect their future. “The app provides a user-friendly credit score calculator that is designed to give you a quick and easy understanding of your score. The calculator gives you a score based on your credit history and helps you understand how your credit score is calculated, how it will change, and what it means to you,” the company says.

46

The company is building a tool that lets you browse and buy things online without having to provide your credit card numbers.

46

A mobile app that connects users to the best local organic food, and helps them pay for it with their credit card

46

A platform that aims to create more secure credit card transactions by reducing the risk of fraud.

45

A platform that helps you manage your online credit cards and create a spending plan. The goal of the startup is to create a solution to the following problem: “When you spend money, you don’t know what you spent it on.”

45

These are tools that help people manage their personal finances — including things like credit cards, bank accounts, budgets, and investments.

44

This company allows companies to build their own private-labeled credit cards.

44

A company that uses Artificial Intelligence to help banks and credit unions make loan decisions, with a focus on fintech and small business.

44

CREDITS is a new way to manage all of your credentials, focused on the crypto-economy.

44

A credit card for young people, targeted at millennials for whom traditional credit cards don’t suit their habits. The company has a physical card with a magnetic stripe that customers put on one side of their phones to pay their bills.

44

A subscription-based service for managing your credit score. The startup is looking to partner with banks and credit card companies to make it easier to monitor your credit.

43

This is an app that helps fans book concert tickets. FanBridge helps match fans with the artists they want to see, then book tickets and credit cards for the show.

43

A B2B company that aims to help retailers manage all of their account receivables (credit cards, store cards, and payment cards) from a single platform. The company is selling to retailers and merchants in the US and Latin America.

43

A $50 million per year B2B startup that gathers data from credit card transactions, then matches the data to the person’s payment history to make sure they’re getting fair credit.

42

This is a credit card processing startup that is aiming to offer a cheaper alternative for small businesses.

42

This startup wants to combine the functions of an insurance broker, a credit broker, and a loan officer into one company.

42

A company that offers a platform that allows people to trade their old smartphone for a new one. The idea is that people can trade their used phones for credits that can be used to purchase a new one.

42

A way for students to learn about the world’s best universities while earning college credits.

42

A financial data platform that aims to make it easier for people to apply for credit and loans.

42

A blockchain-based insurer that wants to give people a way to “secure financial services” and help them “build better credit and financial lives.”

41

A software platform for providing pre-paid credit cards. The startup is building an API for businesses to buy virtual credit cards branded with their brand, which they can then offer to their customers.

41

The startup’s platform aims to help people mitigate the risk of receiving bad credit and loans. It has already secured $5 million in funding.

41

A cryptocurrency exchange for non-accredited investors. The company’s founders have said they’d like to build a decentralized exchange for non-accredited investors.

41

A digital point-of-sale system for restaurants that minimizes friction and drives more sales. The platform uses a credit card reader and is simply hooked up to an existing Wi-Fi network.

40

A digital lending platform that helps people with bad credit get loans for things like cars and appliances. They currently have over $100million in loans in the pipeline and a few hundred customers.

40

A program that helps people trade in their old textbooks for credits to buy new ones. The startup is working with publishers to get its new textbooks a little cheaper than new ones.

40

A startup tackling the problems with credit cards.

40

A startup for keeping track of your credit cards and bank accounts, with the goal of making it “as easy as possible for millennials to deal with money”.

39

A startup that makes a credit card that works like a debit card but offers cash back

39

 A credit card linked to your bank account, like a debit card with your bank’s approval. The card can be used everywhere the bank accepts credit cards. The startup has raised $1.5 million in seed funding from a single investor, Andreessen Horowitz.

38

A startup that helps people find and purchase loans and lines of credit for a variety of purposes.

38

A consumer service that helps consumers collect on credit card debt from their personal loans.

37

A startup that is building a new type of credit card for low-income people by partnering with an NGO in Brazil to give these people access to credit for groceries, utilities, and gas.

36

A startup that helps people with bad credit build credit, working with companies like Wells Fargo and American Express to help people build their credit scores.

36

A company that’s building a credit scoring system that predicts consumers’ creditworthiness, then helps them build a credit score.

36

An on-site credit card system for small businesses. The company says it’s already working with over 700 businesses.

35

A system that can provide a refund or credit to a customer for services not rendered by their doctor.

35

A web-based service that allows users to find out which credit card to use for a purchase or a business expense.

35

A credit card payment platform that lets merchants accept credit cards on a physical retail location, without the risk of that location failing to pay the merchant.

34

A web-based platform that allows users to create and manage custom-made credit cards to make online payments. They also offer an API for customers to build their own solutions on top of.

34

A startup for long-term rentals, allowing renters to find a home and a landlord to find the right tenant. Both sides can be verified by credit checks and the landlord can maintain control over the rental.

34

A startup that helps individuals quickly compare their credit score with other credit scores

33

A $5 device that connects to your browser and helps you keep track of your spending. The device tracks your checking account and credit card transactions, and lets you enter receipts, to see where your money is going.

33

A digital payments application for small businesses that replaces a bank account, credit card, and direct debit. The B2B business uses the same technology that allows a company to charge purchases to a credit card.

33

A startup that wants to build a decentralized banking system. The founders say that banks are creating systems that are too expensive and too clunky to be used, and that the market is underserved — especially by credit cards, which are used by everyone in the world, but for which there’s no good way to transfer money across borders.

33

A tool to keep track of financial obligations, such as rent or credit cards or student loans.

33

A personal finance app meant to simplify credit management and encourage good habits.

33

 A company that collects data from credit cards to build a predictive model of which cardholders are likely to pay back their debts (and which ones are likely to default). It’s looking to offer a free model to banks for their riskiest customers.

32

A software company that aims to provide a suite of tools to help people avoid missing payments. It handles a lot of the back end for consumer finance companies, including student loans and credit cards.

32

An API for credit unions to help them get up and running at lower cost.

32

A startup working to democratize credit in the developing world, creating a new financial product that would give people access to credit in a way they haven’t had before. The company, which was founded in India, wants to make it more affordable for people in the developing world to use and maintain credit.

30

A consumer credit product for Latin American and Caribbean companies.

30

A company that wants to create a “universal” credit card for customers. This could be a credit union debit card or if the company is successful, a Visa or Mastercard card with a rewards program.

30

A credit card that doesn’t charge interest and is cheaper than a credit card with a small monthly fee.

29

Imagine you’re a CEO who wants to maximize your company’s profits. One way to do it is to accept credit cards, but most companies struggle to get the rates they want. Debit-on-demand startup Debitize lets companies accept credit cards and debit cards on demand.

29

A product that will help you find and book a ride on a ride-hailing app, and then let you pay with your credit card.

29

A product that makes it easier to manage and understand your credit.

28

A startup that helps you get a loan and pay it back in monthly installments using a credit score.

28

A company creating a consumer credit score, charging a monthly fee to help you get a better credit score.

27

A company that helps people figure out their credit score and offers a tool to help avoid debt and improve credit.

27

NzDrive is a software company that makes it easier for people to get their hands on a car, even if they don’t have a credit score or a down payment

26

A credit card for people who don’t want a traditional card. The startup gets merchants to opt-in to their service, and since they don’t have a traditional credit history, they don’t have to pay as high interest rates.

25

A startup that sells a “tax-only” model for small-scale farmers that would make it easier for them to get credit from banks and sell their produce in the US.

25

Blackbox is trying to tackle the problem of consumer credit scores, which are used to help determine creditworthiness, but are not very accurate. The startup is building a credit scoring tool that uses data from places like Facebook, Instagram, and Twitter to determine creditworthiness.

25

A tool that helps you find the best deals on credit cards, bank loans, and insurance, using your personal data to optimize your decision making.

25

This startup helps credit unions find and offer loan products for low-income borrowers.

25

A “one-stop shop for credit” that aims to help people from underbanked backgrounds to get access to credit. The startup is currently in talks with banks and credit unions to work out a partnership.

25

A student loan refinancing company that helps borrowers get out of student debt by consolidating all their loans into one. It aims to make this process as simple as possible by allowing borrowers to make payments via their credit cards.

22

A finance startup with a focus on microloans. It wants to connect the world to tiny credit that they can use to make small purchases like groceries or pay small bills.

22

The fund focuses on two themes: 1) creating new tools to enable better access to financial services (including micro-credit, financial products, and payment systems) and 2) creating new technologies for improving the quality of health care.

22

A credit card that offers financial products to its users for purchases made on the card.

22

A credit card processing tool for people in developing countries. The credit card can be used to buy goods online from retailers all over the world.

20

A company that helps small businesses with credit, lending them funding in exchange for a percentage of the business.

20

A digital platform designed to help low-income families gain access to credit.

20

A $7 credit card that lets you avoid fees for cash withdrawals at ATMs. The startup also partners with retailers like Chipotle to allow you to use the card for online orders.

20

A company that’s building a browser extension so users can automatically sign up for credit card promotions, using the credit cards they already own.

20

A startup to help people find the best rate for an apartment, whether it’s to rent or sell. The startup wants to enable apartment search for people with low to no credit, helping them get the best rate.

20

A startup that wants to build a social credit system in China. They say that if you’re the type of person who might not be able to get a loan in China — like someone living in a rural village — then your credit score will be pretty low. The startup wants to build an online platform to expand the reach of credit scores to everyone.

19

A startup that’s working to solve a problem in the credit card industry is using a partnership with PNC Bank to bring a check deposit service to 100,000 customers.

18

This startup makes a credit card without annual fees or a credit limit. Customers can pay as much or as little as they want each month and never be charged interest or fees.

18

A “crowd-funded credit card” for people with bad credit.

18

It’s a credit card and a debit card rolled into one, and it’s meant for frequent travellers who want to pay for travel expenses with a single click.

18

An online tool that helps people track their credit card spending. The startup claims to have over 400,000 users and says it has saved users over $1 million.

17

A tool to find the best credit cards for new card users.

17

A payment platform that allows stores to take credit card payments directly from customers. The startup provides technology to stores to collect credit cards and data on customers. It also operates a cashier-less store with integrated technology.

17

A startup that wants to help people clean up their bank accounts and credit card debt by helping them understand their credit report.

17

A startup that helps users find the best rates on credit cards, loans, and insurance. They also provide tools to help people understand their credit score, get a financial plan, and get access to the best rates. The company is currently having trouble funding their expansion, but they are continuing to get new customers.

17

A mobile app that helps walk-ups and other customers to order food from their smartphones without having cash or a credit card on them.

16

The company aims to make the process of getting a new credit card account as easy as filling out a Google form.

16

A startup that raised $2.7 million in funding in July to develop a point-of-sale system that would allow businesses to directly access credit card information.

16

A blockchain startup that wants to help banks determine if a person is a bad risk, based on credit history.

16

This is a mobile-first banking app for Latin America that wants to help customers manage their credit cards and manage their finances by aggregating and integrating all of a person’s financial data.

15

The startup is building a way for consumers to check their credit scores on their phones, so they can see what if they were to refinance a mortgage, apply for a credit card, or shop for a new loan.

14

A company that provides an in-app way to pay your bills directly from a credit card.

14

A way for people to pay friends and family without a credit card.

14

A startup that helps people learn about the credit cards they own, their credit scores, credit monitoring, and credit cards they’re considering.

14

A company that wants to create a “new and improved” credit score that takes into account a person’s income and employment history.

13

A shared-carshare service for businesses. Coworkers sign up as users, put in their credit card info, and have access to a car. The company wants to allow businesses to give employees the ability to rent a car at a discounted price.

13

A new iOS app for tickets that lets users to pre-order tickets to a show and pay for it using a credit card or reward points.

13

A new kind of credit card that people use to pay for things, rather than just for rewards. FollowMyMoney is a full-service card, which includes a payment platform. It’s not a Visa card, but it’s meant to offer the same type of flexibility and rewards.

13

A new app that lets people in the US track the cost of their utility bills. Energy management platform, YieldClerk, aims to help people save money by giving an overview of their bill and what they could be spending on other things. It also gives them a way to request service credits from their utility companies.

13

A platform that aims to replace the traditional credit card with a prepaid card that allows you to load funds to it at stores, without having to register it.

13

This startup is building a system that lets you use your phone to manage your personal finances, including your credit card, loan, loan repayment, and savings.

13

A digital banking app for the unbanked in Latin America. The startup is building the “first true digital bank for the unbanked”, working on integrations with traditional credit unions and banks.

13

Idea: A credit card company that’s specifically built for musicians. It replaces the usual tools musicians use to get paid.

12

A health-focused startup that aims to help consumers get their money back when they get cheated by credit cards.

12

A startup that uses your Facebook or Twitter profile to sell you on the idea of a way to improve your credit history.

12

A startup that wants to make credit card checks less expensive and more accurate by automating the process with artificial intelligence.

12

A new type of credit card that functions like a debit card but with the ability to make payments without any money changing hands.

12

A startup that helps credit unions develop an online banking platform.

12

A web app that allows you to pay a delivery person with a credit card or a mobile app that lets you tap a picture of a receipt and pay the driver directly.

12

Microcredit company. They are providing micro-loans to low-income earners in developing countries.

12

This startup is building a platform that aggregates data from credit card transactions across the web, to help companies know when they are in danger of fraud.

11

A personalized credit card design. The startup helps users pick a card design, receive it in the mail, and start using it.

11

This company helps consumers compare credit cards, and also helps retailers understand the costs of credit cards on their in-store cards. The company charges an annual fee, but it’s so far been able to build a strong network of merchants and credit card issuers.

10

A personal finance app that helps people track their spending and save money. Based on a survey of over 1,000 people, the company found that the top things most people wanted to track were their net worth, credit, and income.

10

A company looking to make it easier for small businesses to comply with credit card usage rules.

10

A credit card-like card that uses biometric data (like fingerprints or palm prints) to authenticate users. It is a way to make mobile payments easier, as the card can be linked to the user’s mobile phone numbers.

9

A credit card that rolls bills into one monthly payment.

9

A startup that allows users to connect their credit cards and bank accounts to their phone, so they can pay through the app using their phone number.

9

A company that helps get you a loan from a bank or credit union. The startup uses a crowdsourced approach to identify customers who are in need of a loan, and then gets them in touch with a lender.

8

A company that sells carbon credits to investors and helps them invest in clean energy and facilities. The startup was founded in 2016 and has raised $1.3M.

7

A company that equips people to take control of their financial lives by providing tools for building personal budgets, credit, savings, and investments.

7

This startup uses technology to help small- and medium-size businesses process credit cards. It’s currently in beta with 100 small businesses.

7

A company that allows users to manage their finances from a single interface, by securely storing all of their bank, credit card, and loan accounts.

7

Idea: A startup that helps people in the US save for international travel by converting their credit card rewards into cash. The startup is focusing on helping people who are about to travel abroad in the next three months.

2

A third-party API for managing and sharing their credit reports.

2

Idea: A hardware product that seamlessly integrates with your existing credit card reader so that you can accept credit card payments in person.

0

A company focused on helping clients with growing their presence in Asia. Its app helps people navigate Asia’s credit card market, which is significantly different from the US market.

0

A company building a platform to make it easier to get paid for sharing things on the web. The startup aims to make it easier for users to take credit for their work, rather than paying fees to an intermediary.

0

A startup that provides a tool where you can enter your bank account, credit card, and brokerage accounts and see how much money you have left to spend before you go over your budget

-1

A startup that helps people with their taxes and provides them with a list of potential deductions and credits that they qualify for

-1

A startup that helps people who run out of credit on their phones, but aren’t eligible for a new plan

-1

A startup that provides people with a list of their credit report and credit score for free

-1

Idea: Sofi is a lending program for student loans They say they can get a loan to anyone in 6 minutes, and don’t charge a processing fee The company is currently lending $3,000 loans (via a credit line) to students

-1

Idea: A new consumer-focused mobile payments app to replace credit cards The company aims to reduce friction by letting users buy things with their phone instead of having to pull out their wallet They want to replace everyone’s credit card information The startup has processed over $1MM in payments

-1

Idea: A startup that helps banks and credit unions offer online services to their customers

-1

Idea: A startup providing free credit scores to customers, funded by a paywall around their credit report They believe this will generate better engagement than the traditional credit monitoring model, which pays customers to read their credit report

-1

Idea: A startup that helps people with bad credit get loans It finds loans for customers, and takes a 10% commission from the borrower

-1

Idea: Trim is a fintech company that wants to become a one-stop shop for credit cards The company’s pitch is that it’ll use machine learning to notch up credit card rewards for users and help them manage their spending

-1

Idea: A credit card processor that displays relevant information for merchants on the checkout page

-1

Idea: A tool for managing corporate rewards programs, like corporate credit

-1

Idea: A way to help people manage their personal finances and set goals. Users see how much money they have in their bank accounts, credit cards, and brokerage accounts on a single dashboard.

-1

Idea: A startup that helps restaurants in India optimize their kitchen workflow, and take advantage of technology like smart fridges and credit card processing.

-1

Idea: A startup that helps people manage their finances by pulling in all their accounts from various banks and credit card companies. The company says it is profitable and growing quickly.

-1

Idea: A B2B company that sells an API for acquiring and managing merchant accounts, and another API for accepting credit cards. The company says it’s processed $2 million in transactions.

-1

Idea: A startup that’s building a credit card for people with low credit scores, currently working with a data provider to build on top of their database of people who could qualify for the card. The company is looking to build a suite of financial products and services for the people who can’t access them.

-1

The startup wants to help people who have bad credit get a better score by helping them manage their finances and make more informed financial choices.

-1

Idea: A financial education platform that teaches users about credit cards and loans

-1

Idea: A startup that helps people living in countries with low credit scores get loans. The company claims to have an 80% approval rate for people with FICO scores under 550.

-1

Idea: A fintech startup that provides consumer loans in the Philippines to customers who don’t have many credit options.

-1

Idea: A non-profit in Brazil that provides free financial planning to low-income families. The startup works with banks to offer credit to qualifying customers, and works with the family to create a plan for them to pay it back. They already work with 8 banks and offer credit to 300 families.

-1

Idea: A Brazilian startup that wants to be the Stripe of Brazil, helping e-commerce companies accept credit card payments.

-1

Easily accessible credit. The idea here is to enable people to set up accounts and be able to borrow money for things like furniture, or home improvement. So far, they’ve raised $5.2 million.

-1

Idea: This startup is building a tool for people looking to understand their own credit and financial health. The app answers questions like “How much money do I need to retire” and helps them make projections for future expenses.

-1

 A software company that provides a way for people to use their phones to get cash from an ATM, rather than using a credit card, and earn rewards points in the process.

-1

A startup that allows you to transfer funds from a card (like a credit card or bank card) to a bank account using an API (application programming interface) instead of a physical card

-2

A software company that helps banks and credit unions with their lending process.

-2

A startup that helps people who have lost their wallets to find their money and credit cards

-2

A startup that creates a new type of credit card that solves a common problem

-2

A startup that creates and distributes a special kind of credit card that people can use to pay all of their bills online

-5