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Humanitarian Crises: Ongoing conflicts and natural disasters displacing millions of people worldwide. Calls for international cooperation and increased humanitarian aid to address these crises.
Space Exploration: Successful landing of China’s Zhurong rover on Mars, marking the country’s second successful interplanetary landing. Continued international cooperation in space exploration, with upcoming missions to the Moon and beyond.
Social and Political Movements: Continued protests and activism around the world on issues like racial justice, climate change, and women’s rights. Political and social tensions in various countries, including Peru, Iran, and Israel.
Public Health Developments: Ongoing response to the COVID-19 pandemic, with new variants and debates over booster shots. Progress in research for treatments and vaccines against other diseases, such as malaria and HIV/AIDS.
The real estate market in Dubai is looking to recover with the search for Israeli investors.
Technological Advancements: Breakthroughs in artificial intelligence, renewable energy, and space exploration. Continued development of ChatGPT and other AI language models, advancements in solar and wind power technology, and successful launch of NASA’s Artemis mission to the Moon.
Economic Uncertainty: Rising inflation and interest rates impacting global economies, leading to concerns about a potential recession. Central banks raising interest rates to combat inflation, with consequences for businesses and consumers.
Global Climate Change: Record-breaking heatwaves and wildfires in Australia, severe storms and flooding in California, highlighting the urgency of climate action. Ongoing international climate negotiations and domestic policies aimed at reducing greenhouse gas emissions.
US Supreme Court Ruling on Affirmative Action: Supreme Court hears arguments in two cases challenging affirmative action in college admissions and contracting. Potential for a landmark decision impacting racial equality in education and business.
US Midterm Elections: Democrats narrowly maintain control of the Senate, Republicans win majority in the House of Representatives. Potential for divided government impacting legislation and political discourse.
Russia-Ukraine War: Escalation in eastern Ukraine, with Russia capturing Avdiivka, its biggest gain in nine months. Ongoing international sanctions on Russia and humanitarian efforts for Ukraine.

There are currently around 400 Financial technology companies operating in Israel, but only a quarter of them provide services to the Israeli public. This is mainly regulatory: a financial firm has to adapt to the destination country’s regulatory requirements, and small Israel does not merely justify the efforts of companies seeking a large market share.

Therefore, the only three Financial technology companies operating in the US market, namely BlueVine, FundBox, and Behalf, all offer a solution to a big problem in the US business market – providing a line of credit to small businesses.

For years, the US banking system has struggled to meet the needs of small and medium businesses.

These three companies provide financing because of the difficulty of conducting risk assessments for these companies. The time and resources required by the bank to approve small loans have led to a boom in the non-bank credit market, with giants such as Amazon and PayPal providing such services to their customers.

Financial technology

It may be somewhat surprising that some Israeli entrepreneurs have seen the technological opportunity lurking here, providing quick and simple financing solutions to hundreds of thousands of companies. Technological advancements in machine learning and the shift to cloud computing have revolutionized the ability to manage risks in this area.

Not only is this considered a considerable cost saving, but big data enables us to get a more accurate result. Non-bank credit services usually rely on prompt registration of the service and obtaining approval for funding within a few minutes, usually by gathering data from various online sources and a quick analysis of risks. Consequently, the underwriting process, valued at several thousand dollars per client of the bank, becomes scalable and incredibly cheap for technology companies.

The following three companies differ from each other in their market share and annual transaction volume. Still, the coming year is expected to be very significant for all of them, with expansion at the product, customer, and service level.

Financial technology – BlueVine

The startup BlueVine continues to show impressive year-to-year growth. The company, which started providing billing-related financing, offers a wide range of financial products that include a more massive credit line.

Financial technology – In 2017, the company provided loans amounting to about half a billion dollars, and this amount doubled in 2018, making it an activity volume exceeding 100 million dollars per month. But the goal that BlueVine has always mentioned is to launch a financial operating system for small businesses: it is expected to materialize this year, making the company a more critical player in the US financial system.


 Fundbox also started its journey by offering small businesses credit services against future payment bills. Its founders understand that the biggest lender to small companies is the sellers who sell them with credit. This success led her to chart a new goal of creating a B2B peer-to-peer credit network.

Financial technology – The advantage of Fundbox is that its marketing efforts are directed at suppliers, allowing their customers to pay through the Israeli company’s platform. This method enables the company to create a client network that expands in a semi-organic manner.

Today, Fundbox also operates only in the US, but unlike the other two companies on the list, it also works in other markets. Creating a B2B peer-to-peer network While a neat solution to lending in the US financial market, it is also applicable in other markets, where the problem is perhaps less severe. There is a good chance then that by the end of the year, we will hear about the company launching operations elsewhere in the world as well.


Behalf offers a model for working with both parties of a transaction (seller and buyer), whereby buyers are added to the platform for the first time at the time of purchase, but financing is only created when the transaction is executed, just like a credit card.

Behalf is the oldest company on the list but also the smallest, with just under 100 employees. This did not prevent it from becoming one of the most popular non-banking solutions in the field. This is also why it is the first Israeli company in the area to win an investment from the new fintech fund of global credit giant Visa.

Financial technology – As part of the agreement between the two, Visa offers business customers on Behalf a payment solution with a virtual credit card that provides instant credit for their business purchases. Working together with Visa, along with the presence of other senior executives from the credit world on the company’s board of directors, will allow the company to go a long way in the next year. From a regulatory perspective, these collaborations also allow small or local startups to launch large-scale activities even without a significant investment.

Recent News & Activity of Financial technology: Israel provides a credit for businesses

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