GrowthBond is a Danish fintech startup funded by the UN that provides SME finance for online marketing assisted by certified experts. It is estimated that a staggering 450 million companies worldwide are unable to get a loan from the traditional banking system because they operate solely in cash, cannot prove their creditworthiness, do not have collateral, or are unable to demonstrate a market opportunity. It is extremely hard for traditional banks to serve these small businesses when it is nearly impossible to evaluate the risk/opportunity and offer them small loans with low margins, compared to larger loans for big companies with high margins and less risk. That’s why we built GrowthBond, a platform designed to automate the credit assessment process for small business owners, which cuts waiting times by weeks, reduces loan operating costs, slashes minimum loans from thousands to hundreds of dollars, and enables real-time tracking of the deployment and financial return of the funds.

We develope digital subscription services together with the first subscriber. We help bridge communication gabs between students and teachers, citizens and administration, clients and companies. To many institutions still foces on written communication - we help them implement great video solutions that improve dialogue and understanding. When the solution is well implemented we bring it out to the next potential custimor.

Mister Wise has developed a digital customer loyalty system to help smaller restaurants and cafés retain their loyal customers. A problem many restaurants and café owners are facing today, and have been facing for a long time, is the harsh competitiveness in the market. To stand out in the market place each restaurant offer their own unique concept which they fully control on their own. This will always be the most central part of the equation. However, to keep their customers coming back to their unique concept, a good, easy and systematic loyalty system is of essence. The science is clear on the fact that that retaining already existing customers is cheaper and more profitable than acquiring new customers. That’s why most corporations around the world have their own loyalty systems in place. Why shouldn’t the local restaurant and café? By not utilizing a loyalty system, the restaurant is making themselves a disservice. The customer is lacking an element of the overall experience and the business owner is leaving extra cash on the table. This is a widespread problem which affects all parties involved. The situation is however quite understandable as developing your own digital loyalty system is very time consuming, not to mention expensive. That’s where Mister Wise comes into the picture, offering a tool normally only used by the big sharks in the market to the smaller fish. Mister Wise does not believe in the old-fashioned paper stamp where the customer collects 10 stamps and then gets a free coffee. What if you don’t like coffee and you only drink smoothies? Every customer who walks into the particular food place is a customer who may or may not come back again. To maximize the chances for that customer to come back they should have the opportunity to “collect stamps’’ on whatever they order. That’s why Mister Wise offers a point-based system instead, in which the customer orders and buys whatever he or she want on the menu and then collect points on that particular purchase. This way, all customers can utilize the offer. After X amount of points have been collected, the customer receives a voucher he or she can use at that restaurant. Not only does the customer receive a financial benefit for their loyalty but they also receive a non-financial benefit. For each voucher that is received a heartwarming message from the restaurant owner is sent to the customer, to fully maximize the potency of the loyalty system. As one of the founders had worked part time at a grocery store for quite some time, he knew the value of a good loyalty system and thought it was very strange that it’s only used by the big sharks in the market. After doing market research it was concluded that there was a desire among the local food places for a product such as the one Mister Wise is offering

The digital service Inspicasa offers several enhancements to the clarification process all property buyers are going through: Firstly: Inspicasa decodes the buyer’s emotional profile and merges the emo-profile with the factual wishes into a complete search profile. The algorithms search all real estate agents sites for properties that match the profile and present the choices to the buyer. Secondly, Inspicasa presents different national or geotagged shops and service-suppliers, offering relevant products to the property buyer. For example; kitchens, furniture, internet, security systems, DIY, garden centers, supermarkets, etc. A ''Yes'' to a property equals ''Yes'' to new suppliers. The business model consists of two cash flow streams: Lead generation to suppliers with individualized focus and vouchers to support retailers and campaigns. 40% of the population that is looking for houses, flats, summerhouses, etc is discontented with the present solutions to browse the real estate market. At the same time, ⅔ of the population looking for a new property is not able to find the matching property. Why? Because the fundamental emo-parameters that control the decision-making is not addressed presently by real estate agents or other market-actors neither digitally nor through classic communication. According to Professor Richard Thaler, Noble Prize winner in Economy in 2017, and Daniel Kahneman and Vernon Smith, Noble Prize winner in Economy in 2002, is every decision based on the emotional perception of your "reality landscape". Regardless of what kind of decision we are talking about. Market research shows that 98% of real estate buyers agree. This opportunity is why we created Inspicasa. Based on algorithms and machine learning the solution optimizes and in a few seconds narrows the search to a few dream homes, much faster than scrolling through hundreds of presentations. Leads and voucher messages are sent to participating suppliers and shops instantly enabling them to act. But what if the decision process has to include 3-4-5 persons? Answer: Inspicasa presents an option, where the buyer merges her or his emotional preferences with for example family members and creates a group profile. The property search presents actual suggestions from top to low match. The idea was created as a result of several discussions about the real estate market, decision-making process, emotional preference, and frustration about the (lack of) exciting services. Jess and Grane have been involved in business development, innovation, and start-ups in many different set-ups. We have a passion for developing, disrupting, and creating concepts, but despite that, it is the first time we have created a project together after knowing each other for more than 10 years. Birgitte was a natural part of the project from day one, Birgitte and Jess are married and Birgitte’s competence as an auth. psychologist was extremely important for the emotional understanding and creating a fundamental part of the solution.

Play Your Talent er et innovativt softwaresystem udtænkt til nemt og effektivt at arbejde med talentudvikling til brug af virksomheder såvel som privatpersoner. Det er et unikt ledelses værktøj der kan afdække den skjulte kultur og talentpotentialet i hele virksomheden og som samtidig giver et digitalt tool til at sammensætte teams ud fra højeste effektivitet og arbejdsglæde.

UPGRD.io is an automated photo enrichment engine. It turns regular photos into unique artworks, allowing businesses to offer more, sell more and achieve higher customer satisfaction. UPGRD can be used as a standalone store front or integrated to any website via API. UPGRD can bee used for example as a fan engagement tool for sport leagues, to raise money for charity organisations or to increase school photography businesses shopping cart size.

Powder offers holistic tools for a balanced life; we provide optimized nutrients for your unique needs with a revolutionary ecosystem and radical honesty. It is not easy to live a balanced life in today's world. The modern lifestyle is demanding, so keeping your body in harmony requires more than ever before. For many, dietary supplements are the way to balance it out, but do they get the job done? How do you know if you need exactly those nutrients you are buying? Even if you do, are you sure the ones you buy actually get absorbed into your body? These are some of the questions we are aiming to solve with Powder. We will bring you optimized nutrients for your unique needs. We are a D2C company focusing on the US market. Our solutions are completely new and we believe Powder will revolutionize the essential nutrients industry in the coming years. But we don't sell just supplements or nutrients; we want to help you balance your life. Powder is here to accelerate the shift from unhealthy extremes to a natural balance.

PLYO Lab is a growth studio based out of Copenhagen & Remote that collaborates with businesses to uncover and validate their opportunities for growth by utilizing modern digital technologies and networks of boutique studios, entrepreneurs, freelancers. This is enabling us to move with the speed and mindset of a startup.

FinlandWay® is a fast-growing education export startup operating in three continents. We are the most comprehensive and accessible preschool franchising and licensing system from Finland for growth markets. We offer affordable high-quality, scalable preschool package to create the world-leading educational experience based on play-based participatory pedagogy.

Kontrafej is a new premium brand within the school photo category. We want to take school photography into a new league and commit to a portrait style with a unique signature that has not been seen before. We capture the child's personality and make room for spontaneity in the individual portrait. With honest and unpolished photos, we follow the child from the first to last day of school.

Prime Coding is a web development and digital strategy company thriving to create modern and intuitive web solutions, that digitalise processes into a web application and create a digital strategy for the individual company. First and foremost it is our aim to develop applications that will create value for the company, by delivering the highest possible amount of quality and solutions that are 100% secure.

The all-in-on App for horse owners. Equine iQ was softlaunched in AppStore Finland Feb 2021, with first paying customers also in February 2021. International launch is scheduled for May 2021. Equine iQ App promotes data management and enhancing health and wellbeing in horse and equine sports. EquineIQ – IOS app helps owners, trainers, grooms and other professionals to communicate and store data on- and offline.

Traders Alloy empower retail investors with the necessary data, tools and processes, so that they can manage their stock portfolio like a professional. We are an early stage Startup based in Sweden. 2019 we participated in Startup Wise Guys FinTech Accelerator with Swedbank. We are currently looking for tech talent. So if you like Java Script and Node.js and want to be part of democratising the financial markets, please drop us a line!

Urbanization and worsening transport problems in cities (e.g. air pollution, noise, traffic injuries, congestion, parking shortages, etc) lead to new mobility trends. The increased importance of cycling and micro-mobility is one of them. Our mission is to enhance urban cycling and encourage more users to commute on their bikes. To do so we design, assemble and deliver unique electric bicycles (also called pedelecs) for urban commuters. But we are not just a bicycle manufacturer, we consider ourselves as a company defining urban mobility. We are a young Finnish startup company with 6 team members, who are currently living in 3 different countries. We came up with the concept of our e-bike and started active prototyping in early 2019. We've already built first prototypes, tested key hypotheses and are now on the final stage of product development. Because of an ongoing patenting process, we are still in somewhat "stealth mode".

ExtraVerd solves environmental problems for other businesses (B2B). Our patentable in-house projects provide solutions for global challenges such as reduction of greenhouse gas emissions, food wastage, and waste management. We employ bio-and circular economy concepts in our projects and operate in clean-tech and biotech sectors. We provide environmentally-oriented solutions for a wide range of customers. These include the following services: - client-specific project development - in-house project development - pre-feasibility studies (literature surveys, market assessment) Currently, Finnish companies are in a transition towards sustainable and/or environmentally-friendly business policies. We are at the frontier of the nordic goal of decreasing carbon footprint, and in the future we intend to expand our services internationally. As of today, we already have two clients, one Finnish and one international.