fintech company business plan

Fintech Startup Business Plan [Sample Template]

By: Author Tony Martins Ajaero

Home » Business Plans » Financial Services

Are you about starting a fintech startup? If YES, here is a detailed sample fintech startup business plan template & FREE feasibility report.

It is no longer news that the advent of the internet has paved way for unlimited business opportunities that one can easily start and run from a location and have clients in different countries of the world. One of the businesses that can easily be started by leveraging on internet technology and financial expertise is a fintech startup business.

You might ask ‘what is Fintech?’

Simply put, fintech, which is also known as financial technology, is a technology and innovation that aims to compete with traditional financial methods in the delivery of financial services. It is an emerging industry that uses technology to improve activities in finance.

The use of smartphones for mobile banking, investing services and cryptocurrency are examples of technologies aiming to make financial services more accessible to the public.

Starting a fintech startup business can be rewarding but you would have to compete with other well – established fintech companies on the Web. The fact that you will be competing with people from all over the globe is enough reason for you to be result oriented and at the same time be creative with your fintech business.

If you are interested in starting a fintech company, then you should be ready to conduct thorough feasibility studies and market survey before committing your money and other resources to it.

Asides from feasibility studies and market survey, one of the important documents that will aid the success of the business is a good and workable business plan. Below is a sample fintech startup business plan template that can help you write your own business plan with little or no stress.

A Sample Fintech Startup Business Plan Template

1. industry overview.

Players in the Financial Technology (FinTech) industry consist of both startups and established financial institutions and technology companies trying to replace or enhance the usage of financial services provided by existing financial companies.

Basically, they integrate finance and technology in ways that provide a variety of new services to businesses and consumers. Most of the services offered by FinTech companies had hitherto been delivered by traditional financial institutions such as banks.

If you are a close observer of happening in the FinTech industry, you will agree that the industry is highly fragmented and expanding quickly. Areas such as peer-to-peer lending, money transfer, and digital banks have performed especially strongly over the past five years.

The industry heavily relies on third-party financing. Improving economic conditions over the past five years have supported funding from both private and public sources.

Fintech companies in the united states raised .4 billion in 2018, a 43 percent increase over 2017 figures. Global investment in financial technology increased more than 2,200 percent from $930 million in 2008 to more than $22 billion in 2015.

The nascent financial technology industry in London has seen rapid growth over the last few years, according to the office of the Mayor of London. Forty percent of the City of London’s workforce is employed in financial and technology services.

In Europe, $1.5 billion was invested in financial technology companies in 2014, with London-based companies receiving $539 million, Amsterdam-based companies $306 million, and Stockholm-based companies receiving $266 million in investment. After London, Stockholm is the second highest funded city in Europe in the past 10 years.

Europe’s fintech deals reached a five-quarter high, rising from 37 in Q4 2015 to 47 in Q1 2016. Lithuania is starting to become a northern European hub for financial technology companies since the news in 2016 about the possible exit of Britain from the European Union. Lithuania has issued 51 fintech licenses since 2016, 32 of those in 2017.

For example, a report published by IBISWorld shows that in uk, the Financial Technology (FinTech) industry has grown strongly over the past five years, with revenue forecast to increase at a compound annual rate of 9.9 percent over the five years through 2018-19.

The industry has been supported by an accommodative regulatory environment, in addition to good access to skilled employees and external finance. However, UK FinTech companies face some headwinds, including strong competition with firms in other countries such as Singapore, New York and California.

In addition, the industry has had to contend with an increasingly volatile economic environment since the EU referendum, while comparatively high office rental costs have affected operators. Nonetheless, revenue is expected to increase by 10.5 percent during 2018-19 to reach £9.2 billion.

Despite the fact that financial technology (FinTech) business is still much of a Green business, the business will continue to blossom because more and more users will embrace the use of the services offered by financial technology (FinTech) companies in the nearest future.

So, if you have an entrepreneurial mentality and you wish to join a massive technological revolution, you can start your own financial technology business.

Some of the factors that encourage entrepreneurs to start their own financial technology (FinTech) business could be that the business is easy to set up and the startup capital is indeed affordable; you can actually start your own financial technology (FinTech) business from any part of the world.

All you need to do is to have the right network with financial institutions like banks et al and be ready to abide by the clearing rules. You don’t necessarily need to see the people you are doing business with since you can transact business with clients from any part of the world.

Lastly, starting a financial technology (FinTech) business requires professionalism, advance mathematics skills and good grasp of how cryptocurrency and a digital payment system works on a global platform. Financial services are among the most heavily regulated sectors in the world.

Besides, you would need to get the required certifications and license and also meet the required standard for such business before you can be allowed to start a financial technology (FinTech) business in the United States.

2. Executive Summary

Pay Net® FinTech, Inc. is a registered and licensed financial technology (FinTech) and a digital payment system company incorporated under the law of the United States of America. The business will be based in Silicon Valley – California and we are able to secure a well – positioned and standard office facility.

We are aware that to run a standard financial technology (FinTech) startup company can be demanding which is why we are well trained, certified and equipped to perform excellently in our chosen line of business.

Pay Net® FinTech, Inc. is a client – focused and result driven financial technology (FinTech) and a digital payment system company that provides tested, trusted and broad – based financial technology services at an affordable fee that won’t in any way put a hole in the pocket of our clients.

We will offer standard and professional financial technology (FinTech) services to all to our clients at local, state, national, and international level. We will ensure that we work hard to meet and surpass our clients’ expectations.

At Pay Net® FinTech, Inc., our client’s best interest would always come first, and everything we do will be guided by our values and professional ethics. We will ensure that we hire professionals from any part of the world who are experienced in financial technology.

Pay Net® FinTech, Inc. will at all – time demonstrate her commitment to sustainability, both individually and as a firm, by actively participating in our communities and integrating sustainable business practices wherever possible. We will ensure that we hold ourselves accountable to the highest standards by meeting our client’s needs precisely and completely.

Our plan is to position the business to become one of the leading brands in the financial technology (FinTech) industry in the whole of Silicon Valley – California, and also to be amongst the top 10 financial technology (FinTech) companies in the United States of America within the first 10 years of operation.

This might look too tall a dream but we are optimistic that this will surely be realized because we have done our research and feasibility studies and we are enthusiastic and confident that Silicon Valley is the right place to launch our financial technology business.

Pay Net® FinTech, Inc. is founded by Larry Willis and Justin Bob, his business partner for many years. The organization will be managed by both of them since they have adequate working experience to manage such business. Larry Willis has over 5 years’ experience working at various capacities within the financial technology (FinTech) and digital payment system  industry in the United States of America.

Larry Willis graduated from both University of California – Berkley with a Degree in Information Technology, and University of Harvard (MBA). He is also a Certified Bitcoin Professional (CBP) and Justin Bob has Blockcerts Certification, Cryptocurrency certification, Ethereum certification, and Blockchain professional certification.

3. Our Products and Services

Pay Net® FinTech, Inc. is going to offer varieties of services within the scope of the financial technology (FinTech) and digital payment industry in the United States of America. Our intention of starting our financial technology company is to offer nothing but the best of services.

We are prepared to make profits from the industry and we will do all that is permitted by the law in the United States to achieve our business goals. Our business offerings are listed below;

• Operating peer-to-peer lending platforms
• Digital banking
• Payment services
• Investment platforms and management
• Credit and lending
• Distributed ledger technology
• Operating investment platforms
• Investment management services
• Unbanked/underbanked, services that seek to serve disadvantaged or low-income individuals who are ignored or underserved by traditional banks or mainstream financial services companies.

4. Our Mission and Vision Statement

• Our vision is to disrupt incumbents in the finance industry by expanding financial inclusion and using technology to cut down on operational costs.
• Our mission is to offer services that will integrate finance with technology in order to provide new or improved services to businesses and consumers in the United States and from all across the globe.

Our Business Structure

Ordinarily we would have settled for two or three staff members, but as part of our plan to build a standard financial technology company in Silicon Valley – California, we have perfected plans to get it right from the beginning which is why we will ensure that we have competent, honest and hardworking employees to occupy all the available positions in our firm.

The kind of financial technology business we intend building and the business goals we want to achieve is what informed the amount we are ready to pay for the best hands available in and around Silicon Valley – California. Below is the business structure that we will build Pay Net® FinTech, Inc. on;

• Chief Executive Officer

FinTech Operations Specialist

• Programmers and Software Developers

Admin and HR Manager

Digital Marketers (Marketing and Sales Executive)

• Customer Care Executive / Front Desk Officer

Roles and Responsibilities

Chief Executive Office:

• Increases management’s effectiveness by recruiting, selecting, orienting, training, coaching, counseling, and disciplining managers; communicating values, strategies, and objectives; assigning accountabilities; planning, monitoring, and appraising job results
• Creating, communicating, and implementing the organization’s vision, mission, and overall direction – i.e. leading the development and implementation of the overall organization’s strategy.
• Responsible for fixing prices and signing business deals
• Responsible for providing direction for the business
• Responsible for signing checks and documents on behalf of the company
• Evaluates the success of the organization
• Monitor and reconcile accounts
• Assist in reconciling FED subaccounts
• Act as liaison between various bank departments to facilitate account maintenance, resolve issues and escalate inquiries
• Maintain proficient knowledge of the rules and regulations, including but not limited to, the Bank Secrecy Act (BSA), USA Patriot Act, OFAC, Regulation E, Truth In Savings Act and Unfair, Deceptive or Abusive Acts or Practices (UDAAP)
• Participate in weekly status calls
• Assist in maintaining policies, procedures and risk assessments
• Compliance with all regulatory requirements

Software Developer/Programmer

• Responsible for designing, installing, testing and maintenance of software systems for the organization
• Reviewing current systems
• Presenting ideas for system improvements, including cost proposals
• Working closely with analysts, designers and staff
• Producing detailed specifications and writing the programme codes
• Testing the product in controlled, real situations before going live
• Maintaining the systems once they are up and running
• Responsible for overseeing the smooth running of HR and administrative tasks for the organization
• Regularly hold meetings with key stakeholders to review the effectiveness of HR Policies, Procedures and Processes
• Maintains office supplies by checking stocks; placing and expediting orders; evaluating new products.
• Ensures operation of equipment by completing preventive maintenance requirements; calling for repairs.
• Defining job positions for recruitment and managing interviewing process
• Carrying out induction for new team members
• Responsible for training, evaluation and assessment of employees
• Responsible for arranging travel, meetings and appointments
• Oversee the smooth running of the daily office activities
• Identify, prioritize, and reach out to new partners, and business opportunities et al
• Identifies development opportunities; follows up on development leads and contacts
• Writing winning proposal documents, negotiate fees and rates in line with company policy
• Responsible for handling business research, marker surveys and feasibility studies
• Responsible for supervising implementation, advocate for the customer’s needs, and communicate with clients
• Document all customer contact and information
• Represent the company in strategic meetings
• Help increase sales and growth for the company
• Responsible for preparing financial reports, budgets, and financial statements for the organization
• create reports from the information concerning the financial transactions as recorded
• Prepare the income statement and balance sheet using the trial balance and ledgers
• Provides managements with financial analyses, development budgets, and accounting reports
• Responsible for financial forecasting and risks analysis.
• Performs cash management, general ledger accounting, and financial reporting for one or more properties.
• Responsible for developing and managing financial systems and policies
• Responsible for administering payrolls
• Ensuring compliance with taxation legislation
• Handles all financial transactions for the company
• Serves as internal auditor for the company

Associate Fraud Specialist- Call Center/Merchant Disputes Specialist / Help Desk Officer

• Reviews and responds to suspected fraudulent service requests, queues, and transaction records to identify potentially fraudulent transactions or accounts.
• Identifies problems by performing relevant research using the appropriate tools
• Utilizes custom and standard software programs and applications as well as manual review to analyze transactional and customer record for fraud.
• Maintains control of inbound calls
• Ensures that all contacts with clients (e-mail, walk-In center, SMS or phone) provides the client with a personalized customer service experience of the highest level
• Through interaction with clients on the phone, uses every opportunity to build client’s interest in the company’s products and services
• Consistently stays abreast of any new information on the company’s products, promotional campaigns etc. to ensure accurate and helpful information is supplied to clients
• Performs and understands systems such as Enhanced Chargebacks and debit network rules.
• Explains decisions and outcomes to internal and external customers, clients and cardholders.
• Exhibits specialized knowledge in regulatory rule requirements based upon review of non-standard, cardholder-provided documentation.

6. SWOT Analysis

Pay Net® FinTech, Inc. engaged the services of a core professional in the area of business consulting and structuring to assist the firm in building a well – structured financial technology company that can favorably compete in the highly competitive financial technology industry.

Part of what the business consultant did was to work with the management of our organization in conducting a SWOT analysis for Pay Net® FinTech, Inc. Here is a summary from the result of the SWOT analysis that was conducted on behalf of Pay Net® FinTech, Inc.;

We can boast of a team that has analytical and critical thinking skills that can help them find creative solutions for our clients. Aside from the synergy that exists in our carefully selected workforce, we have a very strong online presence and we are well positioned and we know we will attract loads of clients from the first day we open our doors for business.

One of the weaknesses that are obvious to us is the lack of capacity and inability to compete with big players in the industry especially as it relates to partnering with major players in the banking and finance industry. Most of them like partnering with businesses that have been in existence for a while.

• Opportunities:

The opportunities in the financial technology (FinTech) and digital payment system industry is massive considering the number of online trading companies and people that make online transactions all over the world. As a standard financial technology (FinTech) startup company, we are ready to take advantage of any opportunity that comes our way.

Businesses in the financial technology (FinTech) industry, particularly start-ups, face a host of technological, legal and regulatory challenges and unexpected events. For example, automation of processes and digitization of data makes fintech systems vulnerable to attacks from hackers.

Recent instances of hacks at credit card companies and banks are illustrations of the ease with which bad actors can gain access to systems and cause irreparable damage.

7. MARKET ANALYSIS

• Market Trends

In this age and time when transactions worth multiple thousands of Dollars are conducted online, you can be rest assured that financial technology (FinTech) startups are in for good times. You will agree that there is hardly any serious player in the cyberspace who is not transacting with cryptocurrency and hosting digital payment system on their platform.

This goes to show that sooner than later, cryptocurrency and digital payment system will become the most used payment system in the globe. Trends toward mobile banking, increased information, data, and more accurate analytics and decentralization of access will create opportunities for all four groups to interact in unprecedented ways.

In recent time, financial services institutions offered a variety of services under a single umbrella. The scope of these services encompassed a broad range from traditional banking activities to mortgage and trading services. In its most basic form, Fintech unbundle these services into individual offerings.

The combination of streamlined offerings with technology enables fintech companies to be more efficient and cut down on costs associated with each transaction. Another notable trend shows that financial technology (FinTech) is also being leveraged to fight fraud by leveraging information about payment history to flag transactions that are outside the norm.

Lastly, operators in this industry ensure that they get all the testimonials they can and publish them on their website and promotional materials. This usually goes a long way to give them credibility and also to attract more clients to them.

8. Our Target Market

Pay Net® FinTech, Inc. will initially serve small to medium sized business, but that does not in any way stop us from growing to compete with the leading financial technology (FinTech) companies in the United States and from across the globe.

As a standard and licensed financial technology (FinTech) startup company, Pay Net® FinTech, Inc. offers a wide range of cryptocurrency and digital payment services hence we are well trained and equipped to service a wide range of clientele base such as;

• B2B for banks
• Banks business clients
• B2C for small businesses
• Consumers (everyday individual clients)

Our competitive advantage

It is indeed a growing competition in the industry hence a host of tech-savvy industry watchers warn that keeping apace of fintech-inspired innovations requires more than just ramped up tech spend. Rather, competing with lighter-on-their-feet startups requires a significant change in thinking, processes, decision-making, and even overall corporate structure.

Part of our competitive edge is that we can deploy new technologies, like machine learning / artificial intelligence, predictive behavioral analytics, and data-driven marketing, automated customer service technology, utilizing chatbots and AI interfaces to assist customers.

We also have access to highly skilled workforce, ready access to investment funding and the capacity to comply with government regulations.

9. SALES AND MARKETING STRATEGY

We are mindful of the fact that there is fast – growing competition amongst players in the financial technology industry in the United States of America and around the globe; hence we have been able to hire some of the best business developers cum digital marketers to handle our sales and marketing.

Our sales and marketing team will be recruited base on their vast experience in the industry and they will be trained on a regular basis so as to be equipped to meet their targets and the overall goal of the organization. We will also ensure that our excellent job deliveries speak for us in the marketplace. Pay Net® FinTech, Inc. is set to make use of the following marketing and sales strategies to attract clients;

• Introduce our business by sending introductory letters alongside our brochure to all the bitcoin exchange and trading companies, programmers, investors, and internet – business oriented people and organizations within and outside the United States
• Promptness in bidding for online payment platform contracts from bitcoin exchange and trading companies cum bitcoin traders, programmers, investors, and internet – business oriented people and organizations within and outside the United States
• Advertise our business in relevant programming magazines, radio and TV stations
• Attend international financial technology (FinTech) related seminars and business fairs et al
• Create different packages for different category of clients in order to work with their budgets
• Leverage on the internet to promote our business
• Join related associations around us with the aim of networking and marketing our services; we are likely going to get referrals from such networks.

Sources of Income

Pay Net® FinTech, Inc. is established with the aim of maximizing profits in the financial technology (FinTech) and digital payment industry and we are going to ensure that we do all it takes to attract clients on a regular basis. Pay Net® FinTech, Inc. will generate income by offering the following services and products

• Unbanked/underbanked, services that seek to serve disadvantaged or low-income individuals who are ignored or underserved by traditional banks or mainstream financial services.

10. Sales Forecast

One thing is certain, there would always be bitcoin exchange and trading companies, people and organizations that make online transactions that would need the services of financial technology (FinTech) companies.

We are well positioned to take on the available market in Silicon Valley – California and in the cyberspace and we are quite optimistic that we will meet our set target of generating enough income/profits from the first six months of operation and grow the business and our clientele base beyond Silicon Valley to other cities in the United States of America and in the cyberspace.

We have been able to examine the financial technology (FinTech) market, we have analyzed our chances in the industry and we have been able to come up with the following sales forecast. The sales projections are based on information gathered on the field and some assumptions that are peculiar to startups in Silicon Valley – California.

Below are the sales projections for Pay Net® FinTech, Inc., it is based on the location of our business and the services and products that we will be offering;

• First Fiscal Year:  $250,000
• Second Fiscal Year:  $450,000
• Third Fiscal Year:  $950,000

N.B : This projection is done based on what is obtainable in the industry and with the assumption that there won’t be any major economic meltdown and internet shutdown within the period stated above. Please note that the above projection might be lower and at the same time it might be higher.

11. Publicity and Advertising Strategy

We have been able to work with our brand and publicity consultants to help us map out publicity and advertising strategies that will help us walk our way into the heart of our target market.

We are set to take the financial technology (FinTech) and digital payment system industry by storm which is why we have made provisions for effective publicity and advertisement of our financial technology (FinTech) startup company. Below are the platforms we intend to leverage on to promote and advertise Pay Net® FinTech, Inc.;

• Place adverts on both print (community based newspapers and magazines) and electronic media platforms
• Sponsor relevant community based events/programs
• Leverage on the internet and social media platforms like; Instagram, Facebook, twitter, YouTube, Google + et al to promote our brand
• Install our Billboards in strategic locations all around Silicon Valley
• Distribute our fliers and handbills in target areas
• Ensure that all our workers wear our branded shirts and all our vehicles are well branded with our company’s logo et al.

12. Our Pricing Strategy

At Pay Net® FinTech, Inc. we will keep our fees a little bit below the average market rate for all of our clients by keeping our overhead low and by collecting payment in advance.  In addition, we will also offer special discounted rates to startups, nonprofits, cooperatives, and small social enterprises who want to transact with cryptocurrency and other digital payment platforms.

• Payment Options

The payment policy adopted by Pay Net® FinTech, Inc. is all inclusive because we are quite aware that different customers prefer different payment options as it suits them but at the same time, we will ensure that we abide by the financial rules and regulation of the United States of America. Here are the payment options that Pay Net® FinTech, Inc. will make available to her clients;

• Payment via bank transfer
• Payment via online bank transfer
• Payment via mobile money
• Payment via check
• Payment via bank draft

In view of the above, we have chosen banking platforms that will enable our clients make payment without any stress on their part. Our bank account numbers will be made available on our website and promotional materials to clients.

13. Startup Expenditure (Budget)

These are the areas we are looking towards spending our startup capital on;

• The total fee for incorporating the Business in the United States of America – $750.
• Legal expenses for obtaining licenses and permits as well as the accounting services (software, P.O.S machines and other software) – $3,300.
• The total cost for payment of insurance policy covers (general liability, workers’ compensation and property casualty) coverage at a total premium – $9,400.
• The amount needed to acquire a suitable Office facility in a business district for 6 months (Re – Construction of the facility inclusive) – $40,000.
• Marketing promotion expenses for the grand opening of Pay Net® FinTech, Inc. in the amount of $3,500 and as well as flyer printing (2,000 flyers at $0.04 per copy) for the total amount of $3,580.
• The total cost for hiring Business Consultant – $2,500
• The cost for equipping the office (computers, software apps and hardware such as Application-specific integrated circuit (ASIC) machines and other cryptocurrency and digital payment system related software apps, internet server, printers, fax machines, furniture, telephones, filing cabins, safety gadgets and electronics et al) – $45,000
• The cost of launching our official Website – $2,000
• Budget for paying at least two employees for 3 months and utility bills – $45,000
• Additional expenditure (Business cards, Signage, Adverts and Promotions et al) – $2,500
• Miscellaneous – $1,000

Going by the report from the research and feasibility studies, we will need about Two Hundred and Fifty Thousand US Dollars ($250,000) to set up a small scale but standard financial technology company in the United States of America.

Generating Funds/Startup Capital for Pay Net® FinTech, Inc.

Pay Net® FinTech, Inc. will be owned and managed by Larry Willis and his business partner Justin Bob. They are the financiers of the company, but may likely welcome partners later which is why they decided to restrict the sourcing of the startup capital for the business to just three major sources.

• Generate part of the startup capital from personal savings
• Source for soft loans from family members and friends
• Apply for loan from the bank

N.B: We have been able to generate about $50,000 (Personal savings $40,000 and soft loan from family members $10,000) and we are at the final stages of obtaining a loan facility of $200,000 from our bank. All the papers and documents have been duly signed and submitted, the loan has been approved and any moment from now our account will be credited.

14. Sustainability and Expansion Strategy

The future of a business lies in the number of loyal customers that they have, the capacity and competence of their employees, their investment strategy and business structure. If all of these factors are missing from a business, then it won’t be too long before the business close shop.

One of our major goals of starting Pay Net® FinTech, Inc. is to build a business that will survive off its own cash flow without injecting finance from external sources once the business is officially running.

We know that one of the ways of gaining approval and winning customers over is to offer our financial technology services a little bit cheaper than what is obtainable in the market and we are prepared to survive on lower profit margin for a while.

Pay Net® FinTech, Inc. will make sure that the right foundation, structures and processes are put in place to ensure that our staff welfare are well taken of. Our company’s corporate culture is designed to drive our business to greater heights and training and retraining of our workforce is at the top burner of our business strategy.

As a matter of fact, profit-sharing arrangement will be made available to all our management staff and it will be based on their performance for a period of three years or more as determined by the board of the organization. We know that if that is put in place, we will be able to hire and retain the best hands we can get in the industry; they will be more committed to help us build the business of our dreams.

Check List/Milestone

• Business Name Availability Check : Completed
• Business Incorporation: Completed
• Opening of Corporate Bank Accounts: Completed
• Opening Online Payment Platforms: Completed
• Application and Obtaining Tax Payer’s ID: In Progress
• Application for business license and permit: Completed
• Purchase of Insurance for the Business: Completed
• Conducting Feasibility Studies: Completed
• Leasing a standard and well positioned office facility in the heart of Silicon Valley – California: Completed
• Generating part of the startup capital from the founder: Completed
• Applications for Loan from our Bankers: In Progress
• Writing of Business Plan: Completed
• Drafting of Employee’s Handbook: Completed
• Drafting of Contract Documents: In Progress
• Design of The Company’s Logo: Completed
• Printing of Promotional Materials: Completed
• Recruitment of employees: In Progress
• Purchase of the needed software applications, internet server, furniture, office equipment, electronic appliances and facility facelift: In progress
• Creating Official Website for the Company: In Progress
• Creating Awareness for the business (Business PR): In Progress
• Health and Safety and Fire Safety Arrangement: In Progress
• Establishing business relationship with vendors and key players in the industry: In Progress

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Best practices for building a fintech company, from four startups

Insights to help you design, build, and grow a successful fintech company

Accept payments online, in person, and around the world with a payments solution built for any business—from scaling startups to global enterprises.

• Introduction

Examples of a fintech

1. identify a high-need and underserved audience, 2. solicit customer feedback to inform your product roadmap, 3. diversify your revenue streams, 4. determine the infrastructure you’re going to build on, 5. formalize your customer acquisition strategy, 6. test and iterate, how stripe can help.

• Get in touch 

The advent of banking-as-a-service (BaaS) tools has significantly lowered the barrier to entry for founders to build new fintech companies or for businesses to embed financial services into their existing offerings. This allows companies to integrate financial services into their product experience, drastically reducing the development effort, product complexity, and regulatory burdens to offer loans, financial accounts, and card products.

With technology making it easier than ever to build a fintech company, there has been a surge of new companies and products entering the market, all aiming to offer financial services tailored to different users’ needs. However, while BaaS has reduced the overhead and complexity of building a fintech, software development and engineering is only one piece of building a new fintech business. Founders also need to think about product-market fit, monetization strategies, customer acquisition, and more.

This guide outlines some of the steps and best practices for businesses looking to build a successful fintech, focusing on fintechs that offer financial accounts and cards. We paired our internal knowledge with insights from fintech startups to help you design, build, and grow your business.

Fintech basics

A fintech is a business that offers any financial service—such as financial accounts, cards, or loans—and makes them accessible to their customers via software. It can refer to a “pure play” fintech business, where the core product offering is a financial service (e.g., a fintech whose primary offering is loans to small businesses). It can also refer to a business that embeds financial services into their platform to supplement their core offering (e.g., an appointment software tool for salons that also allows salon owners to process payments and spend on an expense card).

With the proliferation of companies building and offering financial services, determining whether a company is a fintech isn’t straightforward anymore. Because financial services play a larger role in the product and business strategy for many companies, more and more businesses today can be defined as a fintech.

There are a variety of ways you can offer financial services, including:

• Becoming the primary banking relationship with users: The goal of these fintechs is to be the primary banking relationship for their customers, supplanting their existing banking relationships (if any). These businesses generally need to offer a wide range of financial offerings that meet all or most of a user’s financial needs, including checking and savings accounts, credit and debit cards, loans, and more.
• Building a fintech point solution: Point-solution fintechs are focused on solving a targeted problem or need in financial services, differentiating their offering against existing offerings in some particular manner. Examples of this include making it easier to send money via remittances, increasing accessibility to capital via loans, enabling corporate expense management via cards, and more.
• Developing financial infrastructure: These businesses improve and solve pain points with existing financial services infrastructure for other fintech businesses, which can range from providing compliance and security capabilities, payments and financial services infrastructure, and more. (Stripe is an example of a financial infrastructure business.)

Businesses building an expense card or spend management solution, such as Ramp , Emburse , and Brex , are examples of fintechs (specifically, fintech point solutions). These companies have built products that enable their business customers to easily facilitate, manage, and track corporate expenses made by their employees.

Traditionally, corporate expense management is a highly manual, resource-intensive, and error-prone process. Employees need to pay out of pocket for corporate expenses and then wait for reimbursements after filing their expense reports. Additionally, finance and accounting teams need to spend significant amounts of time managing expense report submissions, validating receipts, and managing expense reimbursements.

Modern expense management solutions provide businesses and their employees with virtual or physical cards that have specific spend controls in place, all while streamlining and automating the expense management and reimbursement process.

Expense management solutions are just one type of fintech business. The fintech landscape is vast and constantly evolving, and there are many other types of fintech businesses in the market, including neobanks and challenger banks, benefit disbursement cards, business-to-business (B2B) lending providers, remittance companies, bill payment tools, wealth management platforms, and many more. With all of these businesses, customers can access financial services directly within the fintech’s platform or product rather than needing to visit or interact with a traditional financial institution.

Key things to consider when building a fintech

We interviewed several fintech startups to learn how they identified their product offering and monetized it, how they built their technology infrastructure, and how they acquired their first customers. Here, we highlight their insights and anecdotes and share the key questions for your business to consider based on their learnings.

Traditional banks and financial institutions typically build general offerings for the entire market (as opposed to building products tailored for a specific audience). As a result, there are many underserved audiences who can’t easily access the financial services they need or leverage solutions tailored to their specific business needs. For example, only 48% of small businesses have access to all of the financing they require, and 33% of businesses were denied a line of credit because financial institutions determined that they didn’t have a sufficient credit history or were too new. Identifying high-need and underserved customers like these creates opportunities for your fintech to pursue and solve substantial problems.

Paperchain , an instant payments app for creators, identified a major source of friction for music creators. According to Paperchain, creators are the primary contributors to the $30 billion music streaming industry , but they often have issues with their cash flow, waiting up to 18 months for income payments. The same is also true for video streamers, influencers, and game and app developers, but Paperchain decided to specifically focus on music creators, believing Paperchain was best equipped to solve their pain points.

Two-thirds of Paperchain’s founders were music producers, giving them unique insights into their target audience because they had worked closely with other creators before and experienced their challenges firsthand. They knew that creators needed to invest in production and promotion, but they were often waiting for their next income check because of cash-flow constraints.

As a result, Paperchain built a fintech business focused on solving music producers’ biggest pain point by enabling them to get paid instantly via a digital wallet and card. Not only do their products specifically target creators, but Paperchain’s marketing strategy is also laser focused on their ability to best serve this high-need audience.

Image source: Paperchain website

Key questions for your business to consider:

• Who is my target audience?
• How big is this market or opportunity?
• What are my potential customers currently using for financial services?
• What are their financial pain points today? Where do they currently experience friction?

It is essential to have a deep understanding of your target audience as you build your core product. However, simply learning your potential customers’ pain points isn’t always enough to help you build the best fintech offering. Sending surveys and creating personas have value, but many times—especially when you’re starting out—the best course of action is to talk directly to customers to find out what they want you to build.

According to the Arc team, whose mission is to build the future of finance for startups, this meant engaging with “thousands of founders across the country.” Through one-on-one conversations, the team noted major pain points about the startup fundraising process: It takes “too much time,” is “incredibly distracting for founders who are already stretched too thin,” and “who you know [matters more] than how your business actually performs.” For founders seeking institutional capital, neither available option was ideal—they were forced to choose between traditional debt that “burdens startups with all-asset liens, covenants, transaction fees, and warrant coverage” and the “uncapped cost of dilution and loss of control” that comes with selling equity. As Arc added hundreds of paying customers to its platform, it soon uncovered a much larger pain point for these high-growth, early-stage companies. “The same distracting, offline, and manual processes that plague startup fundraising also persist across the B2B finance stack,” said the Arc team.

These insights, combined with the team’s mission to help startups grow, fueled Arc to create a vertically integrated financing, cash management, and insights platform. With Arc, startups can seamlessly “tap into their future revenue streams to access non-dilutive capital, deposit these funds into a virtual treasury account held by Evolve Bank (member FDIC), and instantly deploy spend to drive growth”—all via one digitally native account.

Image source: Arc website

• How does my fintech offering solve my target user’s pain points?
• How is my offering an improvement from their existing financial services?
• Have I talked with potential users about my idea? Have I tested the idea with users?
• What do users like and not like about my idea? Is there anything they think is missing?

Fintechs, like all other businesses, need to be profitable (or have a clear path to profitability). Depending on the type of fintech business you’re building, there are a variety of monetization levers available to control. Here are a few options:

• Interchange: If you offer a card product, you may be able to keep a share of the interchange fees that are generated for every card transaction.
• Lending: You can make money by offering loans and charging origination fees and interest.
• Earn fees on funds held: If you allow customers to store funds, you can earn fees as a share of the funds held. You can capture this entire revenue, share it with the customer, or some combination of the two.
• Subscription or service fees: Charge customers a recurring fee for subscription or membership plans in exchange for access to your offerings or services.
• Mark up money movement services: Mark up the costs of various money movement services (e.g., accelerated access to funds, wire transfers, currency exchange, etc.).

Many fintechs leverage more than one of these revenue streams to diversify their income and improve the profitability of their business. They can also test different monetization strategies and see where the majority of their revenue comes from long term, adjusting their strategy accordingly. For example, Persona , a business management solution for self-employed professionals and independent business owners, has five revenue streams for their business:

• Capturing a portion of the interchange fee from transactions on their Persona Visa card
• Charging payment processing fees when businesses accept payments on their platform
• Generating deposit fees from funds held in financial accounts on their platform
• Charging fees for short-term financing
• Offering affiliate deals with businesses where both Persona and their customers are compensated for specific purchases

Image source: Persona website

• When am I going to start monetizing my offering? Will I start trying to generate revenue from the very start? Am I going to focus on acquiring users and evolving my product first before determining how I should monetize?
• How can I monetize my offering in the long term? What monetization levers could I leverage?
• What conditions and requirements are necessary for me to successfully monetize my offering?
• What do the unit economics of my business look like?

Unit economics refers to the revenue and costs of your business on a per-unit basis (e.g., a customer) to determine your business’s profitability and overall financial health. An example of this would be evaluating your customer lifetime value (LTV) to customer acquisition cost (CAC) ratio, which determines how much revenue a customer brings in versus the costs needed to acquire the user.

A fintech doesn’t need to own the financial infrastructure or technology it is using (though it can certainly choose to do so). The vast majority of fintechs use a BaaS solution to help them build and go to market with their offering more quickly and easily. BaaS providers act as an intermediary between the fintech business and banks, providing the underlying infrastructure on which fintechs can build their financial products.

Once you’ve decided what you’re going to build, you need to decide how you’re going to build it. This is a key decision for any fintech, because it determines the underlying foundation of your product, and it will be costly to switch your infrastructure after you’ve started building.

There are two primary ways to build your fintech offering:

1. Work with a bank directly

Partnering with a bank gives you more control over your financial offering, since you’re building everything yourself. However, this also requires significantly more resources and investment, both to get started and to continually manage after launch. When working directly with a bank partner, you have to manage all elements of building a new financial service on your own. This includes managing the relationship with your banking partner, building core money storage and money movement infrastructure from scratch, handling compliance and regulatory requirements, and more—in addition to building your actual financial product.

2. Partner with a BaaS provider

Alternatively, you can partner with a BaaS provider that offers the core infrastructure necessary to build a new financial offering, absorbing most of the product and compliance complexity. The diagram below shows exactly how a BaaS provider takes on most of the responsibilities and brings bank services to fintechs at scale.

Working with a BaaS provider can drastically reduce your time to market so you can quickly find product-market fit and build differentiating features on top of core financial offerings. However, you aren’t able to customize your offering to the same extent that you can when working directly with a bank partner.

When you’re evaluating BaaS providers, you want to consider factors such as what capabilities they support (both now and planned for the future), their reliability, geographic availability, customer service, and more.

The route you choose will depend on what you’re prioritizing. You might identify that you want to build and scale quickly with a BaaS provider or build a more custom solution by partnering with a bank for more control.

Persona decided to work with a BaaS provider, because they didn’t have the resources to build banking infrastructure as a small startup. By working with a BaaS provider like Stripe, they could “rely on Stripe’s infrastructure, which enabled [them] to build a set of features that [they] couldn’t build otherwise.” Stripe also offered all of the capabilities their business needed at launch and might potentially need in the future. “The last thing you want is to select a vendor, start building, and then completely change your architecture when you need additional features,” said the team at Persona.

• Do I have the engineering and development resources to build a fintech offering on my own?
• Do I have a deep understanding of the financial ecosystem (e.g., Nacha Operating Rules, card BINs, fair lending laws, etc.)? Do I want to be responsible for navigating this?
• How quickly am I trying to go live with my product?
• What are all of the capabilities or functionalities that I need (or might need) for my long-term roadmap?

When evaluating BaaS providers:

• Do they offer the capabilities I need today and capabilities I might need in the future?
• Are they an established business in the fintech space? What other fintechs have they supported?
• Do they have expertise in fintech? In compliance? In risk management and fraud prevention?
• What level of support can they provide my business?

As with most new businesses, your marketing and go-to-market approach will play a significant role in determining your business’s success. You may be able to benefit from some organic adoption and word-of-mouth awareness, but you’ll need to have a formal user acquisition strategy to make sure that you grow your customer base.

Take advantage of the relevant marketing channels at your disposal to reach your target customers. Determine what channels and approaches will be most impactful for your specific audience, and continue to experiment with your marketing and awareness strategies to see what works best. Owned channels, such as emails, your blog, social media, your website, and your product dashboard, are free and easy to experiment with. Other channels, such as paid search, retargeting ads, or display ads, require more investment and a dedicated budget to successfully pursue.

The marketing teams at Arc, Paperchain, and Persona tested a variety of channels to see what was most effective for their respective businesses:

• “Founders are adopting alternative financing at an accelerating rate in order to preserve ownership in the business they’ve worked so hard to build. Rather than giving up 5–10% of ownership prematurely, founders can unlock growth capital today by tapping into their future revenue streams and raise from a position of strength later when revenues are higher and the equity markets come back. Given the macro and the non-dilutive nature of Arc Advance, we’ve seen strong traction through word-of-mouth referrals from our existing customers. This has influenced our inbound and outbound marketing efforts as well as our messaging. Over the coming months (and years), we’ll continue to lean into customer highlights and serve as a resource for founders in the journey of growing their business.” —Arc
• “Word of mouth has delivered 5,000 creators to our waitlist that we’re laser focused on unlocking. As we scale our onboarding process, we also leverage our B2B partners. We partnered with UnitedMasters [a major music distributor], and we have 100,000 artists wanting to use our app.” —Paperchain
• “Our team has a background in performance marketing and user acquisition, so we leverage every major advertising platform for user acquisition campaigns and put a lot of time and effort into hyper-optimizing them for specific sub-niches of businesses. Partnerships with organizations such as vocational schools, trade unions, certificates, and such have been a great way for us to grow using their referrals.” —Persona

Your customers’ pain points and needs may evolve over time, so you should always be prepared to adapt and scale as needed. For example, the team at Karat was initially looking to build software that would help creators handle taxes, but it was met with a lukewarm reception. Karat found that their product wasn’t addressing creators’ immediate needs. When they would talk to their target audience, creators would always ask for a $5,000 or $10,000 loan up front to help them cover upcoming invoices, because they didn’t have the necessary working capital.

Based on this demand, Karat initially launched a merchant cash advance product to offer credit to creators, but they found that the product wasn’t resonating. They learned that a card product would provide creators with easy access to funding in a way that creators wanted. This led them to evolve their product again and build a business expense card product where they would provide financing for creators based on their revenue from different digital platforms. Their product today has processed over eight figures in transactions.

Similarly, the team at Persona found that being adaptable, especially when first building their product, was important to their startup.

“The first set of features that we set out with weren’t the ones that we ended up with,” said the team at Persona. Their app initially allowed users to process payments, but they found that their users were constantly asking for the ability to receive their funds immediately. Because of this user feedback and demand, their team prioritized building an Instant Pay feature for their platform.

“When you first go to market, that’s your learning period for what people actually want from your product and the capabilities they’re looking for,” said the Persona team.

Stripe is the easiest and most flexible way for companies to build and launch their own full-featured, scalable fintech—whether it’s payments, lending, cards, or bank account replacements. Stripe’s BaaS APIs, along with our entire ecosystem of financial infrastructure offerings, let businesses easily build a new fintech offering or embed financial services directly into their existing software.

Each of our BaaS products offers APIs that are building blocks you can combine in different ways, depending on what your customers need and what makes sense for your business.

• Stripe Issuing enables you to instantly create, manage, and distribute virtual or physical cards. With Issuing, you can build fintech businesses such as expense management platforms; buy now, pay later (BNPL) financing; and more.
• Stripe Treasury provides a flexible BaaS API to build a full-featured financial product for your customers, whether it’s a store and spend account or spend management offering. With Treasury, you have the core building blocks to create financial accounts, store funds, move money between parties, and attach cards for spending.
• Stripe Capital enables you to provide fast and flexible financing to help your customers grow their businesses. Many businesses struggle to get the financing they need to scale their business, and Stripe removes that barrier with a complete lending program through a single integration.
• Stripe Connect allows you to embed multiparty payments and offer a variety of financial services, like collecting payments from customers and paying out third parties. Platforms earn revenue by collecting fees for services provided.
• Stripe Financial Connections lets your users securely connect their existing financial accounts and share their financial data with your platform.
• Stripe Identity lets you programmatically confirm the identity of global users to comply with Know Your Customer (KYC) regulations.

Get in touch with our team to learn more about how you can use Stripe to build your fintech.

Visa® commercial credit cards are issued by Celtic Bank, a Utah-chartered industrial bank, member FDIC.

Stripe Treasury is provided by Stripe Payments Company, licensed money transmitter, with funds held at Evolve Bank & Trust and Goldman Sachs Bank USA, members FDIC.

Capital loans are issued by Celtic Bank, a Utah-chartered industrial bank, member FDIC. All loans subject to credit approval.

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A Sample Fintech Startup Business Plan Template

Fintech, which is also known as financial technology, is the technology that aims to compete with traditional financial methods in the delivery of financial services. It is an emerging industry that uses technology to improve activities in finance.

The use of smartphones for mobile banking, investing services, and cryptocurrency are examples of technologies aiming to make financial services more accessible to the general public. Even though this segment of fintech may see the most headlines, the big money still lies in the traditional global banking industry and its multi-trillion-dollar market capitalization.

Available data shows that globally, the number of fintech companies grew to 1,463, with 2,745 unique investors. They also acquired $25.6 billion in investments in H1 2020. The total transaction value of digital payments grew from $4.1 trillion in 2019 to $5.2 trillion in 2020.

Steps on How to Write a Fintech Startup Business Plan

1. executive summary.

Money Net© FinTech Company, Inc. is an American-based financial technology company. Our head office will be located in an office facility in the heart of New York City. Money Net© FinTech Company, Inc. is a global fintech payment system that will store and transfer payment information.

Consumers will make use of our applications to pay for goods and services directly as well as make peer-to-peer fund transfers using their mobile devices. David Williams is the founder and CEO of Money Net© FinTech Company, Inc.

Company Profile

A. our products and services.

• Operating peer-to-peer lending platforms
• Digital banking
• Payment services
• Investment platforms and management
• Credit and lending
• Distributed ledger technology
• Operating investment platforms
• Investment management services
• Unbanked/underbanked, services that seek to serve disadvantaged or low-income individuals who are ignored or underserved by traditional banks or mainstream financial services.

b. Nature of the Business

A fintech business is meant to operate the business-to-consumer model or transfer completely to a business-to-business approach.

c. The Industry

Money Net© FinTech Company, Inc. will operate under the Financial Technology (FinTech) industry.

d. Mission Statement

Our mission is to make financial services more accessible to all and sundry and our services will include traditional financial transactions like saving, investing, loan processing, and also blockchain and cryptocurrency transactions.

e. Vision Statement

Our vision is to be known as the leading innovative digital technology solutions fintech company that aim to optimize financial services for her clients.

f. Our Tagline (Slogan)

Money Net© FinTech Company, Inc. – Your Safe and Trusted FinTech Company!

g. Legal Structure of the Business (LLC, C Corp, S Corp, LLP)

Money Net© FinTech Company, Inc. will be formed as a Limited Liability Company (LLC).

h. Our Organizational Structure

• Chief Executive Officer
• Company’s Lawyer/Secretary
• FinTech Operations Specialist
• Programmers and Software Developers
• Admin and HR Manager
• Digital Marketers (Marketing and Sales Executive)
• Customer Service Executive/Front Desk Officer

i. Ownership/Shareholder Structure and Board Members

• David Williams (Owner and Chairman/Chief Executive Officer) 51 Percent Shares
• Olsen Vincent (Board Member) 14 Percent Shares
• Jude Soares (Board Member) 10 Percent Shares
• Paul Nelson (Board Member) 10 Percent Shares
• Zara Mack (Board Member and Sectary) 10 Percent Shares.

SWOT Analysis

A. strength.

• Effective structure in place to help consumers enjoy a seamless digital experience
• Highly experienced and qualified employees and management
• Highly secured payment platform
• Access to finance from business partners
• Water-tight strategies on how to expand beyond major markets
• Good returns on investment for our investors.

b. Weakness

• Financial Constraints
• We will be competing with well-established fintech companies and traditional banks
• Inability to retain our highly experienced and qualified employees longer than we want

c. Opportunities

• Partnerships and mergers between established companies and fintech startups are becoming more frequent.
• Digital banking services are taking over as 46 percent of people exclusively use digital channels for their financial needs
• Good support structure for fintech companies in the United States of America.

i. How Big is the Industry?

It is safe to say that the Financial Technology (FinTech) industry is massive. This is because the per-share value of the Global X Fintech ETF has more than tripled from $15 in 2016 to $47 in 2023.

ii. Is the Industry Growing or Declining?

The Financial Technology (FinTech) industry is growing rapidly and available data shows that the total transaction value of digital payments grew from $4.1 trillion in 2019 to $5.2 trillion in 2020. Globally, the number of fintech companies grew to 1,463, with 2,745 unique investors.

iii. What are the Future Trends in the Industry

New technologies, like machine learning/artificial intelligence, predictive behavioral analytics, and data-driven marketing, are what will determine the future trends in the Financial Technology (FinTech) industry. Fintech is also a keen adaptor of automated customer service technology, utilizing chatbots and AI interfaces to assist customers with basic tasks and also keep down staffing costs.

Fintech is also being leveraged to fight fraud by leveraging information about payment history to flag transactions that are outside the norm.

iv. Are There Existing Niches in the Industry? 

Yes, there are niche ideas when it comes to the fintech business, and they are as follow;

• Digital Banking App
• Investment App
• P2P Payment Apps (Peer-to-peer lending)
• Insurance Apps (Alternative insurance underwriting)
• Money-Saving Apps (Digital wallets)
• Crypto Exchange Platform
• RegTech Apps
• Crowdfunding Applications
• Payment gateways
• Transaction delivery.

v. Can You Sell a Franchise of your Business in the Future?

Money Net© FinTech Company, Inc. has plans to sell franchises in the nearest future and we aim to have a strong physical presence in key financial hubs (cities all across the world).

• Unfavorable government policy and regulations.
• Cyber security challenges
• Differences in management and culture
• Liability problems
• Continuously changing consumer demands especially as it relates to how they expect fintech companies to serve them.

i. Who are the Major Competitors?

• Three-way tie

ii. Is There a Franchise for FinTech Business? 

Yes, there are franchises for FinTech business, and they include;

• Libertex (Forex Club Group)
• BI Analytics & Consulting (BI Group)

iii. Are There Policies, Regulations, or Zoning Laws Affecting FinTech Business?

In the United States of America, Fintech is regulated at both the state and federal levels. Each of the 50 states and the federal government has passed its own body of laws that may apply to financial services and providers of financial services.

Please note that because of the scope, scale, and dynamism of the FinTech industry, the sector is often regulated by multiple regulators, both within certain types (e.g., multiple government regulators) and across types (e.g., governmental, self-regulators, and market regulators). Please check with your zoning or planning department to find out what options are available to you.

Marketing Plan

A. who is your target audience.

i. Age Range

Our target market comprises adults above 18 years who have the finance to do business with us.

ii. Level of Education

We don’t have any restriction on the level of education of those we are ready to work with.

iii. Income Level

There is no cap on the level of income of the people that can use our platform.

iv. Ethnicity

There is no restriction when it comes to the ethnicity of the people that can make use of our platform.

v. Language

We have no restrictions when it comes to language.

vi. Geographical Location

People from any geographical location will be welcome to partner with us or do business with our company.

vii. Lifestyle

Money Net© FinTech Company, Inc. will not restrict any investor or client from partnering or doing business with us based on their lifestyle, culture, or race.

b. Advertising and Promotion Strategies

• Host Themed Events That Catch Attention.
• Tap Into Text Marketing.
• Make Use of Billboards.
• Share our Events in Local Groups and Pages.
• Turn our Social Media Channels into a Resource
• Develop our Business Directory Profiles
• Build Relationships with players in the Financial Technology industry.

i. Traditional Marketing Strategies

• Marketing through Direct Mail.
• Print Media Marketing – Newspapers & Magazines.
• Broadcast Marketing -Television & Radio Channels.
• OOH Marketing – Public Transits like Buses and Trains, Billboards, Street shows, and Cabs.
• Leverage direct sales, direct mail (postcards, brochures, letters, fliers), tradeshows, print advertising (magazines, newspapers, coupon books, billboards), referral (also known as word-of-mouth marketing), radio, and television.

ii. Digital Marketing Strategies

• Social Media Marketing Platforms.
• Influencer Marketing.
• Email Marketing.
• Content Marketing.
• Search Engine Optimization (SEO) Marketing.
• Affiliate Marketing
• Mobile Marketing.

iii. Social Media Marketing Plan

• Start using chatbots.
• Create a personalized experience for our customers.
• Create an efficient content marketing strategy.
• Create a community for our target market
• Gear up our profiles with a diverse content strategy.
• Use brand advocates.
• Create profiles on relevant social media channels.
• Run cross-channel campaigns.

c. Pricing Strategy

When working out our pricing strategy, Money Net© FinTech Company, Inc. will make sure it covers profits, insurance, premium, license, and economy or value and full package for each transaction, In all our pricing strategy will reflect;

• Cost-Based Pricing
• Value-Based Pricing
• Competition-Based Pricing.

Sales and Distribution Plan

A. sales channels.

Our channel sales strategy will involve using partners and third parties—such as referral partners, affiliate partners, strategic alliances in the Financial Technology industry, and the finance and banking industry to help refer clients to us.

Money Net© FinTech Company, Inc. will also leverage the 4 Ps of marketing which are place, price, product, and promotion. By carefully integrating all of these marketing strategies into a marketing mix, so we can have a visible, in-demand service that is competitively priced and promoted to our customers.

b. Inventory Strategy

The fact that we will need office supplies means that Money Net© FinTech Company, Inc. will operate an inventory strategy that is based on a day-to-day methodology for ordering, maintaining, and processing items in our warehouse. We will develop our strategy with the same thoroughness and attention to detail as we would if we were creating an overall strategy for the business.

c. Payment Options for Customers

Here are the payment options that Money Net© FinTech Company, Inc. will make available to her clients;

• Payment via bank transfer
• Payment with cash
• Payment via credit cards
• Payment via online bank transfer
• Payment via check
• Payment via mobile money transfer
• Payment via bank draft

d. Return Policy, Incentives, and Guarantees

At Money Net© FinTech Company, Inc. we do not have a return policy but we will use our discretion when necessary. This is because there are no federal laws that require a merchant to refund money unless the product they sell turns out to be defective.

e. Customer Support Strategy

Our customer support strategy will involve seeking customers’ feedback. This will help us provide an excellent return on investment (ROI) and customer service to all our clients and investors. It will also help us to understand their needs, experiences, and pain points. We will work with effective CRM software to be able to achieve this.

We will work towards strengthening our Customer Service Team and also Leverage Multi-Channel Servicing as part of our customer support strategy.

Operational Plan

Overall, we plan to expand our revenue by 50 percent in the second year and the plan will include a marketing, sales, and operations component. The operations component of the plan would include attracting investors and strategic partners like banks et al that will enable us to boost our service offerings and to support revenue growth.

a. What Happens During a Typical Day at a FinTech Business?

• The office is open for the day
• Documentation and other administrative works are conducted throughout the day
• Marketers go out in the field to market our services
• Transactions are facilitated and pending queries are resolved
• Maintenance of the server and all payment gateways are carried out as scheduled.
• Report for the day is written and submitted to the required authority
• The office is closed for the day.

b. Production Process (If Any)

There is no production process when it comes to FinTech Business.

c. Service Procedure (If Any)

Fintech payment systems perform two key service functions; they store and transfer payment information. Consumers use these applications to pay for goods and services directly as well as make peer-to-peer funds transfers using their mobile devices.

At its core, fintech is utilized to help companies, business owners and consumers better manage their financial operations, processes, and lives by utilizing specialized software and algorithms that are used on computers and, increasingly, smartphones.

d. The Supply Chain

Money Net© FinTech Company, Inc. will rely on key players in all industries to refer business deals and clients to us.

e. Sources of Income

Money Net© FinTech Company, Inc. will make money from offering the following services;

• Unbanked/underbanked services

Financial Plan

A. amount needed to start your financial technology (fintech) company.

Money Net© FinTech Company, Inc. would need an estimate of $1.2 million to successfully set up our Financial Technology (FinTech) company in the United States of America. Please note that this amount includes the salaries of our staff for the first month of operation.

b. What are the Costs Involved?

• Business Registration Fees – $750.
• Legal expenses for obtaining licenses and permits – $7,300.
• Marketing, Branding, and Promotions – $15,000.
• Business Consultant Fee – $2,500.
• Insurance – $5,400.
• Rent/Lease – $200,000.
• Internet Infrastructure and Software Development – $250,000
• Other start-up expenses including, commercial satellite TV subscriptions, stationery ($500), and phone and utility deposits ($2,800).
• Operational Cost (salaries of employees, payments of bills et al) – $80,000
• Start-up Inventory – $15,000
• Store Equipment (cash register, security, ventilation, signage) – $4,750
• Furnishing and Equipping – $80,000
• Capitalization Base: $1 million
• Website: $600
• Opening party: $3,000
• Miscellaneous: $2,000

c. Do You Need to Build a Facility? If YES, How Much will it cost?

Money Net© FinTech Company, Inc. will not build a new facility for our Financial Technology company; we intend to start with a long-term lease and after 5 years, we will start the process of acquiring our own facility.

d. Ongoing Expenses for Our Financial Technology Company?

• Server maintenance
• Transaction fee to a third-party provider
• Utility bills (internet, phone bills, signage and sewage et al)
• Salaries of employees

e. Average Salary of Our Staff

• Chief Executive Officer – $65,000 Per Year
• Company’s Lawyer/Secretary – $50,000 Per Year
• FinTech Operations Specialist – $48,000 Per Year
• Programmers and Software Developers – $47,000 Per Year
• Admin and HR Manager – $45,000 Per Year
• Digital Marketers (Marketing and Sales Executive) – $42,000 Per Year
• Accountant – $40,000 Per Year
• Customer Service Executive/Front Desk Officer – $30,000 Per Year.

f. Sources of Funding for Our Financial Technology Company

• Raising money from personal savings and sale of personal stocks and properties
• Raising money from investors and business partners
• Sell shares to interested investors
• Applying for a loan from your bank/banks
• Pitching your business idea and applying for business grants and seed funding from, government, donor organizations, and angel investors
• Source for soft loans from your family members and your friends.

Financial Projection

A. how much should you charge for your service.

At Money Net© FinTech Company, Inc. our fee will be based on the type and volume of transactions on our payment platform. But averagely, we charge $3.50 per transaction.

b. Sales Forecast

• First Fiscal Year (FY1): $3.5 million
• Second Fiscal Year (FY2): $5 million
• Third Fiscal Year (FY3): $9 million

c. Estimated Profit a Year

The ideal profit margin we hope to make at Money Net© FinTech Company, Inc. will be between 25 and 40 percent.

d. Profit Margin of a Financial Technology (FinTech) Company Product/Service

The average net profit margin for Money Net© FinTech Company, Inc. is approximately 17%. The average net profit margin can be higher or lower depending on our additional service offerings and the amount of our overhead expenses.

Growth Plan

Money Net© FinTech Company, Inc. will grow our Financial Technology company by first opening other offices in key cities in the United States of America within the first five years of establishing the business, then we will start selling franchises from the sixth year.

Money Net© FinTech Company, Inc. plans to expand to first to Los Angeles – California, San Francisco – California, Chicago – Illinois, Washington, D.C., Boston – Massachusetts, Miami – Florida, Seattle – Washington, Dallas – Texas, and Philadelphia – Pennsylvania.

The reason we intend to expand to these geographical locations is the fact that available statistics show that the cities have the highest FinTech market in the United States.

The founder of Money Net© FinTech Company, Inc. plans to exit the business via merger and acquisition. We have put structures and processes in place that will help us achieve our plan of successfully merging with one of the leading players in the finance and banking industry. With that, we can be rest assured that the business will be under the care of a safe and well-structured management team and board of trustees.

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5 Innovative FinTech Business Models (+Real Examples)

• Updated on 29 Dec 2023

Fintech continues to disrupt traditional financial services with new innovations and business models.

Over the past decade, fintech startups have unleashed a wave of creativity, leveraging emerging technologies and meeting evolving consumer needs.

In this article, we will discuss five innovative fintech business models that are making a significant impact today.

We will explain how each model works and its unique value proposition and provide examples of companies implementing these approaches in the real world.

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Understanding FinTech Business Models

FinTech, a sector with about 26,000 active startups innovating financial technology solutions, is gradually getting competitive as more fintech startups emerge.

The financial expectations of the sector’s service users are also expanding; thus, newbies need to adopt an innovative business model to thrive.

What is a FinTech Business Model?

A FinTech business model is a plan for a financial technology business; this includes operating strategy, revenue sources, and intended customer base.

FinTech organizations generally adopt inclusive approaches to finance, enabling consumers to have apt access to a wide range of financial services and products.

Furthermore, these services and products are available across mobile devices and don’t require a convoluted sign-up process. So, what determines a suitable business model?

Factors that Determine the Right Business Model for Your Startup

Before choosing a FinTech operation model that can complement your startups’ goal, it’s sacrosanct that you first highlight the following factors.

After which, you should opt for a business model that aligns with them.

Now that you’re acquainted with what a business model is, and the factors to consider before choosing one.

Let’s go into a detailed discussion on the most prominent FinTech business models.

Most Prominent FinTech Business Models

As entrepreneurs, founders, and investors strive to synthesize revolutionary ideas for fintech startups , the list of 5 FinTech business models below can help to point out a suitable direction for your startup’s product.

1. Alternative Credit Scoring

An alternative credit score is a FinTech creation that helps borrowers determine lenders’ creditworthiness by using relatable, current, and easily available data such as their digital footprint.

This business model is valuable for FinTech companies willing to issue loans to individuals not properly captured by the traditional credit score system .

E.g., small business owners or private loans for college.

As a startup, you can request a wide range of alternative data and synchronize the result alongside some traditional records for a robust credit assessment.

Many FinTech companies are already using this FinTech business model in their financial product by developing credit applications , with some noteworthy examples being:  Nova Credit, Canopy, Cortera, etc.

Why You Should Own a Lending Platform that uses Alternative Credit Score Model

Here are some statistics suggesting that adopting an alternative credit score model would be an intelligent business move;

• As of October 2020, it’s reported that as many as 45.1 percent of U.S.-based black consumers had subprime credit scores.
• One out of ten Americans is considered to be “credit invisible.”

Owning a lending platform ranks among the most profitable ventures in the globe. However, for noteworthy profit, the statistics above show that it’s best to adopt an alternative credit scoring model as it helps to capture a greater audience pool.

Pros and Cons of Alternative Credit Score

Now that you have a concise idea of the intricacies of the alternative credit score business model let’s take a look at another FinTech business model.

2. Alternative Insurance Underwriting

Traditional insurance underwriting determines insurance premiums based on some predetermined quantifiable factors. But, those components are often termed un-encompassing enough as they don’t capture non-quantifiable but important factors like exercising.

Let’s take, for example, two individuals of the same weight and height who don’t take alcohol and are non-smokers will likely get the same insurance policy value. However, one may be an exercise freak while the other spends most of his day on the couch, increasing his risk of diabetes.

To help capture an intending policy holder’s risk more effectively, alternative insurance underwriting captures both quantifiable and unquantifiable data like medical history, lifestyle, social signals.

Combined with self-learning and intelligent algorithms, Insurtech startups and insurance companies now have a smarter way to choose policyholders, provide better terms and conditions, and offer alternative payment options.

Some FinTech startups using this model to take a cue from include: Next Insurance, Clover Health, etc.

Why you Should Use this Model

As a startup with a penchant for quick growth, it’s imperative to adopt a business model that appropriately exemplifies your developmental strategy as a business.

By using this operation model, there’s a guarantee that you’ll appropriately weigh all scenarios and give policyholders the premium that they truly deserve.

Doing this, in turn, leads to a top-notch user experience and a high customer retention rate.

Customers will get premiums they feel that they truly deserve.

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Pros and Cons of Alternative Insurance Underwriting

Before adopting this model, carefully weigh its pros and cons vis-a-vis a traditional alternative insurance underwriting.

Now that you have a fairer understanding of alternative insurance underwriting, let’s dig into another FinTech business model.

3. Small Dollar Loans

It’s a common phenomenon to see banks and lenders reject applications for small-ticket loans due to its low margins and its relatively high cost of setting up and recovering those loans.

However, some FinTech companies adopt a business model that allows them to cater to this target market’s needs.

Some FinTech lending startups have crafted an effective impulse buy mechanism strategy.

This is a one-click buy now button that is placed on e-commerce websites to allow customers to make quick purchases through consumer loans without a need to enter their credit card details or some form of authentication.

These loans are often underwritten at a 0% interest, and consumers are given an option to make payments in scheduled installments.

As a startup interested in this business model, you can earn some profit by opting to request interest on your loans or by sharing customers’ data with the original equipment manufacturers.

An example of a FinTech company thriving with this business model is Upgrade.

Like every other model mentioned above, this strategy helps you target the market most traditional lenders shy away from exploring.

This business operating model is very easy for businesses to adopt as they’ll be getting valuable consumer data from your FinTech startup.

At the same time, consumers also enjoy easy access to cheap credit.

Pros and Cons of Small Ticket Loans

Here is a tabular depiction of the pros and cons of this method;

4. Investment Management

Most consumers find it challenging to make investments and keep track of their assets accounts.

As a startup, you can take advantage of this business model by creating a wealth management platform that’ll enable investors to trade seamlessly from any location.

Trades are executed on an intuitively built trading application , and signals are sent to high-frequency traders that can influence asset prices.

Investors’ positions are executed instantaneously, and asset liquidation is carried out within a short duration.

Prominent examples of successful FinTech startups with this new business model are Robinhood, eToro, Betterment, etc.

Check out these statistics that suggest why you should use this model in the financial sector;

• A recent study by Gallup shows that about 56% of the U.S. population invests in stocks, while a significant proportion of them are active traders.
• Similar research conducted by the University of Chicago suggests that more than 16% of Americans invest in cryptocurrencies .

There’s no doubt that this FinTech business model will witness significant growth in the years to come.

Owning an investment solution puts your business in a perfect position to make noteworthy gains from the demand that’s poised to come.

To be profitable with this business model, your business may charge a profit for executed trades.

Pros and Cons of the Investment Business Model

Like any FinTech model, it also has its pros and cons to consider. Here are two distinct ones.

With the concise information we’ve detailed above, you now have an idea of what it takes to build an investment application . Let’s discuss another FinTech business model.

5. Digital Banking

This business model encompasses web-based services and a high level of automation that may include generating and integrating APIs that enable cross-institutional service for delivering banking services and financial transactions.

With this FinTech business model, users can now access financial data, initiate money transfers through mobile, smartphone, desktop, and ATM devices, and make payments via debit cards.

Some examples of FinTech using this initiative in the financial services industry are Alliant, Revolut, TransferWise, Venmo, PayPal, Stripe.

Why you Should Adopt a Digital Banking Business Model

There are multiple reasons to adopt this business model in the FinTech industry. However, let’s first consider some verifiable statistical pieces of evidence:

• 78% of Americans use at least one digital banking product
• Over 80 million people in Europe will use neobanks.
• 31% of the world  population is unbanked.

From the statistical evidence above, it’s logical to conclude that digital banks have wide acceptance amongst consumers.

However, over 31% of the population is without a bank account.

With a digital bank, you can easily advertise yourself to those already acquainted with an online bank and the unbanked.

Include blockchain technology in your product to help you create a more secure ecosystem for your consumer base, thereby giving you an edge over other financial institutions.

Pros and Cons of Digital Banking Business Model

Here are some pros and cons to appropriately consider before opting for this business model;

With the apt understanding of the FinTech operating models you now have, let’s discuss some examples of small businesses that have adopted these models in the FinTech market.

FinTech Startup Business Models – 3 Real-World Examples

Some well-known startups such as Rupeek, Solarisbank, and Revolut are examples of FinTech companies thriving by adopting one or some of the business operating methods above. Read on!

Revolut’s Business Model

Revolut is a digital banking platform that builds a fair and frictionless platform for making transactions and managing money worldwide.

Essentially, it acts as bank alternatives for both businesses and people.

Revolut offers cost-effective international funds transfers and free global spending at the interbank exchange rate to attract a large customer base.

Another unique selling point for this FinTech is that users can easily open an account within 60 seconds.

Revolut also supports the use of crypto such as Bitcoin, Ethereum, etc. on its platform.

If you’re wondering how to buy cryptocurrency in Australia, you’ll be pleased to know that Revolut allows its users to trade and invest in various cryptocurrencies, including Bitcoin and Ethereum, on its platform.

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How Revolut Makes Money

This platform makes money by collecting interest on loans issued.

The interest fee it charges depends on the customers’ credit score, loan sum, and length loan. An overdraft fee is also charged on late payments.

What to Learn From Revolut

Revolut understood that it was an underdog compared to traditional banks when it started operating; thus, the startup offered prospective users incentives such as feeless transaction, top-notch exchange rate, and fast account opening process.

Solarisbank’s Business Model

Solarisbank is a German banking-licensed technology company that generates APIs for other FinTech products.

This FinTech service provider has mastered the technical and regulatory complexities of banking to deliver an apt user experience.

Solaris is quite distinct from other digital banks as they only offer APIs to innovators in need of trustworthy partnerships for online banking platforms, payment systems, and payment gateways while moving away from online payment application development partners

How Solarisbank Make Money

Solarisbank gets its revenue from its clients as they pay to make use of the startup’s APIs. The tech giant also collects interchange fees on card transactions.

What to Learn from Solarisbank

Due to the over-saturation of the B2C banking space, the company decided to create solutions that can empower prospective digital banking to function with ease.

Rupeek’s Business Model

Rupeek is India’s foremost asset-backed lending platform. The platform helps Indians access credit most fairly and conveniently possible. The company recently made the news for pioneering innovative solutions that can be instrumental in monetizing India’s $2 trillion gold.

How Rupeek Make Money

Rupeek makes money from the interest it charges on its loan. Due to its strategy of reducing its overall cost, they offer interest at the best rate obtainable.

What to Learn from Rupeek

Rupeek gives consumers gold loans at the doorstep to complete the loan underwriting-to-disbursal process in less than an hour. This innovation puts the company in a niche of its own.

Turn FinTech Ideas Into Reality

As we explored, many innovative FinTech business models are disrupting finance. But an idea needs the right execution.

Our engineers and designers have decades of experience building digital financial products for major banks, startups, and more.

We can guide you from idea validation to launch and beyond:

• Architecting scalable cloud platforms
• Integrating financial data sources
• Ensuring banking-grade security
• Crafting intuitive user experiences
• Launching an MVP to validate your concepts

Contact us today if you have a promising FinTech model needing expert implementation. Our team is ready to turn your vision into reality.

Our CEO, Max, has an impressive 11-year background in SaaS development. His strong analytical skills have played a critical role in driving the company's growth and success in the highly competitive tech landscape.

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Fintech Company Go To Market Strategy Plan Template

Break down your fintech company’s marketing strategy in an emphatic manner..

GTM strategies are essential for navigating the highly competitive fintech landscape, and this dynamic template is the perfect companion. Specifically designed for fintech professionals, the template covers various components such as market segmentation, value proposition, and competitive analysis. Integrate your company's branding, color palette, and design elements to create a unique and impactful representation of your marketing initiatives.

• Change colors, fonts and more to fit your branding
• Access free, built-in design assets or upload your own
• Visualize data with customizable charts and widgets
• Add animation, interactivity, audio, video and links
• Download in PDF, JPG, PNG and HTML5 format
• Create page-turners with Visme’s flipbook effect
• Share online with a link or embed on your website

Download and personalize the fintech company go-to-market strategy plan template now, or peruse Visme's extensive collection of plan templates to find the ideal match for your marketing and strategic planning needs.

Edit this template with our  Presentation Software

Template Specifications

8 Pages, 8.5” X 11” (US Letter)

Customizable

This template can be fully customized. You can edit content, change image(s), apply custom colors, input your own fonts and logo, and more.

For professional printing, download as PDF with bleed marks. For regular printing, download as image (JPG or PNG) or PDF without bleeds marks. For online use, your plans can also be shared via link or embedded to a site or blog.

Compatibility

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Thanks to Visme’s creative plan templates, it’s easier than ever for any business to create a beautiful and comprehensive document to share with colleagues, team members and top management. From marketing plans and project plans to complete business plan templates, these documents are designed by professionals and contain real information to help you create content that is truly effective.

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Fintech Business Plan

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Fintech Bundle

• Description
• Executive Summary
• Products & Services
• Market Analysis
• Marketing Plan
• Management Plan
• Financial Plan

I. Executive Summary

Company description.

QuickLedger is a fintech startup based in San Francisco, California, aiming to revolutionize financial management solutions for small to medium-sized businesses in the United States. The company's mission is to develop a robust, user-friendly software platform that seamlessly integrates with businesses' financial operations and provides AI-driven financial insights to streamline their accounting and bookkeeping processes.

QuickLedger's innovative product offerings, including a mobile app version, are designed to ensure compliance with financial regulations and empower businesses to make informed decisions through advanced analytics and forecasting tools. By establishing strong partnerships, conducting market research, and implementing a comprehensive digital marketing strategy, QuickLedger is poised to capture a significant share of its target market and achieve its goals of reaching 10,000 customers within the first three years and expanding its product offerings to include advanced features by the end of the second year.

Many small to medium-sized businesses (SMBs) in the United States struggle to efficiently manage their finances due to the lack of affordable and user-friendly financial management solutions that integrate seamlessly with their day-to-day operations. Existing financial management software options are often too complex and resource-intensive for smaller enterprises or prohibitively expensive, forcing these businesses to rely on manual, time-consuming bookkeeping processes . This leads to increased chances of human error, delayed financial reporting, and difficulties in maintaining regulatory compliance. Furthermore, the COVID-19 pandemic has exacerbated these challenges, as businesses have been forced to rapidly adapt to remote work and the need for agile, cloud-based financial management tools.

QuickLedger offers a comprehensive financial management solution that addresses the unique needs of small to medium-sized businesses in the United States. Our platform combines robust accounting functionality with advanced AI-driven insights , providing a seamless and efficient way for businesses to manage their finances. At the core of our solution is a user-friendly software platform that integrates all the necessary financial management tools, including automated bookkeeping, financial reporting, compliance management, and mobile integration. What sets QuickLedger apart is our commitment to simplicity and scalability , allowing our customers to scale their financial management capabilities as their business grows.

Mission Statement

QuickLedger's mission is to empower small and medium-sized businesses with intuitive financial management solutions that drive efficiency, boost productivity , and provide actionable insights for strategic decision-making. Guided by a commitment to innovation and customer-centricity, we strive to be the trusted partner in our clients' financial journeys, enabling them to focus on their core business while we handle the complexities of their financial operations.

Key Success Factors

The key success factors for QuickLedger's fintech startup business plan include:

• Robust, user-friendly software platform with seamless integration capabilities and AI-driven financial insights
• Comprehensive compliance with all relevant financial regulations and industry standards
• Continuous improvement based on customer feedback to enhance the platform's features and functionality
• Targeted market capture with a focus on small to medium-sized businesses in the United States
• Skilled and experienced team with expertise in software development, financial management, and customer support

Financial Summary

The financial projections for QuickLedger demonstrate a strong growth trajectory and the potential for significant returns on investment. The key financial metrics are outlined in the table below:

To achieve these goals, QuickLedger seeks to raise $5 million in seed funding from venture capitalists and angel investors. The anticipated return on investment (ROI) is expected to reach 45% by the end of the third year , making it an attractive proposition for potential investors.

The overall financial outlook for QuickLedger is highly promising, with a focus on sustainable growth, operational efficiency, and a commitment to delivering exceptional value to its customers.

Funding Requirements

To launch and sustain our ambitious fintech venture, QuickLedger requires $5 million in seed funding to develop the software platform, implement a comprehensive marketing strategy, establish operational infrastructure, and assemble a skilled team.

II. Products & Services

Problem worth solving.

The financial management and accounting landscape for small to medium-sized businesses in the United States is fraught with challenges. Many SMBs struggle to efficiently manage their finances due to the lack of affordable and user-friendly financial management solutions that integrate seamlessly with their day-to-day operations . This problem often leads to a range of issues that can hinder business growth and profitability.

Firstly, the majority of existing financial management software options are either too complex and resource-intensive for smaller enterprises or prohibitively expensive, pricing them out of the reach of many SMBs. As a result, these businesses are often forced to rely on manual, time-consuming bookkeeping processes, leading to increased chances of human error, delayed financial reporting, and difficulties in maintaining regulatory compliance.

• Inefficient financial management can result in missed invoices, delayed payments, and poor cash flow visibility, hampering a business's ability to make informed decisions and plan for the future.
• Lack of real-time financial data and insights can prevent SMBs from identifying cost-saving opportunities, optimizing their operations, and capitalizing on emerging market trends.
• Navigating the complex web of financial regulations and compliance requirements can be a significant burden for smaller enterprises, diverting resources from core business activities.

Furthermore, the COVID-19 pandemic has exacerbated these challenges, as businesses have been forced to rapidly adapt to remote work and the need for agile, cloud-based financial management tools. The market is ripe for a solution that can provide small to medium-sized businesses with a comprehensive, user-friendly, and affordable financial management platform that simplifies operations, enhances financial visibility, and ensures regulatory compliance.

Our Solution

QuickLedger offers a comprehensive financial management solution that addresses the unique needs of small to medium-sized businesses in the United States. Our platform combines robust accounting functionality with advanced AI-driven insights, providing a seamless and efficient way for businesses to manage their finances.

At the core of our solution is a user-friendly software platform that integrates all the necessary financial management tools into a single, cloud-based solution. Our platform includes the following key features:

• Automated Bookkeeping: QuickLedger streamlines the bookkeeping process by automatically categorizing and reconciling transactions, saving businesses time and reducing the risk of errors.
• Financial Reporting: Our platform generates customizable financial reports, including balance sheets, income statements, and cash flow statements, enabling businesses to make data-driven decisions.
• AI-Driven Insights: QuickLedger's predictive analytics and machine learning algorithms provide businesses with real-time insights and recommendations to optimize their cash flow, manage expenses, and identify growth opportunities.
• Compliance Management: The platform ensures compliance with relevant financial regulations and industry standards, helping businesses avoid costly penalties and maintain a clean financial record.
• Mobile Integration: Our mobile app allows business owners and their team members to access their financial information and perform key tasks on-the-go, ensuring they can stay on top of their finances anytime, anywhere.

What sets QuickLedger apart is our commitment to simplicity and scalability . Unlike enterprise-level financial management solutions, our platform is designed specifically for small to medium-sized businesses, offering a streamlined user experience and a flexible, pay-per-use pricing model. This allows our customers to scale their financial management capabilities as their business grows, without the burden of complex and costly software implementations.

By combining advanced technology, industry expertise, and a deep understanding of our target market, QuickLedger delivers a unique value proposition that empowers small to medium-sized businesses to take control of their finances, optimize their operations, and achieve sustainable growth.

Unique Selling Proposition

QuickLedger's comprehensive financial management platform sets it apart as a leading fintech solution for small to medium-sized businesses. By combining advanced AI-driven insights, user-friendly interfaces, and a scalable pay-per-use model, QuickLedger offers unparalleled value and efficiency compared to its competitors.

• AI-driven financial insights and forecasting to help businesses make data-driven decisions and optimize their financial performance
• Scalable, pay-per-use pricing model that allows businesses to access the features they need without the burden of high, fixed costs
• Intuitive, user-friendly platform that facilitates easy adoption and integration with existing business operations
• Comprehensive compliance management tools to ensure adherence to all relevant financial regulations and industry standards
• Continuous product enhancements based on real-time customer feedback and emerging market trends

Development Stage and Future Plans

QuickLedger has undergone an extensive development process, meticulously crafting a robust and user-friendly financial management platform. The initial prototype was launched in 2021, followed by an extensive testing phase that incorporated valuable feedback from early-stage customers. This feedback has been instrumental in shaping the platform's features and functionality, ensuring the seamless integration of AI-driven insights and compliance management tools.

The development team has been actively working to enhance the platform's capabilities, with a focus on delivering a streamlined and intuitive user experience. The mobile app version, introduced within the first year, has been particularly well-received by customers who require on-the-go access to their financial data. The continuous improvement process has allowed QuickLedger to stay ahead of market trends and adapt to the evolving needs of small to medium-sized businesses.

As QuickLedger continues to evolve, the development team is focused on incorporating the latest advancements in financial technology, including enhanced AI-driven insights and machine learning algorithms. The future plans for the platform include the expansion of its product offerings, the introduction of more advanced analytics and forecasting tools, and the continuous enhancement of its compliance management capabilities to keep pace with industry regulations.

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Frequently Asked Questions

How To Start Up A Fintech Company

• Digital Banking

Introduction

Welcome to the exciting world of fintech, where technology and finance converge to revolutionize the financial services industry. Fintech, short for financial technology, refers to businesses that use innovative technologies to create and improve financial products and services. With the rise of smartphones, the internet, and data analytics, the fintech industry has experienced explosive growth in recent years, disrupting traditional banking and opening up new opportunities for entrepreneurs.

If you have a passion for finance and technology and want to start your own fintech company, you’re in the right place. In this article, we will guide you through the key steps to launch a successful fintech startup , from finding a problem to solve and conducting market research to securing funding and scaling your business.

First and foremost, starting a fintech company requires identifying a problem or pain point in the financial industry that you are passionate about solving. Perhaps it’s streamlining the lending process, improving financial literacy, or providing access to financial services for underserved populations. By addressing a specific problem, you can differentiate yourself in a crowded market and create a compelling value proposition for your target audience.

Once you have identified the problem, conducting thorough market research is crucial to understand the competitive landscape, customer needs, and market trends. This research will help you validate your business idea and identify the unique selling points that will make your fintech solution stand out. It’s important to gather both quantitative and qualitative data, analyze industry reports, and interview potential customers to gain deep insights into their pain points and expectations.

With a clear understanding of your target audience, you can now start developing a comprehensive business plan. Your business plan should outline your mission, vision, target market, competitive advantage, revenue model, and marketing strategies. It will serve as a roadmap for your company’s growth and help you secure funding from investors or financial institutions.

Legal and regulatory considerations are also essential in the fintech industry. Depending on the nature of your fintech business, you may need to comply with financial regulations, data protection laws, and licensing requirements. It’s crucial to consult with legal experts and stay updated on changing regulations to ensure your startup operates within the legal framework.

Securing funding is often a challenge for early-stage startups. You can explore various funding options, such as bootstrapping, angel investors, venture capital, or government grants. Presenting a compelling business plan, demonstrating market potential, and showcasing a strong team are key factors in attracting investors.

Building a talented and diverse team is vital for the success of your fintech startup. Look for individuals with a strong background in finance, technology, marketing, and compliance. Collaborate with individuals who share your vision and values, as they will contribute to the culture and growth of your company.

With a solid team in place, you can start developing your minimum viable product (MVP) – a simplified version of your fintech solution that addresses the core problem. The MVP allows you to gather user feedback and make necessary iterations based on real-world usage.

Once you have iterated and refined your product, it’s time to launch your fintech startup. Develop a strategic marketing and customer acquisition plan to create awareness and attract early adopters. Leverage digital marketing channels, content creation, social media, and partnerships to reach your target audience effectively.

Finding a Problem to Solve in Fintech

In the world of fintech, identifying a problem to solve is the foundation of your startup. To be successful, you must address a pain point or inefficiency in the financial industry. Start by asking yourself: What challenges exist in the financial sector that technology can solve?

One approach is to look at your own experiences as a consumer of financial products and services. Have you ever struggled with the traditional banking system or faced obstacles in accessing credit or managing your finances? Perhaps you’ve encountered difficulties in making cross-border payments or found it challenging to save or invest effectively. Consider these personal experiences as potential sources of inspiration.

Another avenue is to analyze trends and market reports to identify emerging problems in the financial sector. Keep an eye on technological advancements, changing consumer behaviors, and evolving regulatory landscapes. For example, the rise of digital currencies and blockchain technology has opened up opportunities for secure and efficient cross-border transactions, but challenges in adoption and regulation still exist.

Furthermore, consider the needs of underserved populations and emerging markets. Many individuals, especially in developing countries, lack access to basic financial services. Bridging this gap and providing inclusive financial solutions can have a profound impact on their lives and drive significant business growth.

Conducting thorough market research is essential when finding a problem to solve in fintech. Start by analyzing existing solutions and competitors in the market. Identify their strengths and weaknesses, and find gaps where you can differentiate yourself and offer a better product or service.

Additionally, reach out to potential customers and industry professionals to gain deep insights about their pain points and challenges. Conduct surveys, interviews, or focus groups to understand their frustrations and expectations. Listen to their stories and pay attention to their needs. This customer-centric approach will not only guide your problem-solving process but will also help you develop a product that meets real-world demands.

Remember, innovation and problem-solving go hand in hand. By identifying an industry problem and addressing it with a unique and technological solution, you have the opportunity to disrupt the financial sector and create significant value for your customers.

Conducting Market Research

Market research is a crucial step in the process of starting a fintech company. It involves gathering and analyzing data to understand the market dynamics, customer preferences, and competition in the industry. By conducting thorough market research, you can validate your business idea, identify opportunities, and make informed decisions that will set your fintech startup up for success.

Start by defining your research objectives. What specific information do you need to gather? Are you trying to understand customer behavior, market size, or industry trends? Clearly defining your research goals will help you focus your efforts and ensure that you collect the right data.

Next, gather both qualitative and quantitative data. Qualitative data provides insights into customer experiences, pain points, and expectations. This can be gathered through interviews, surveys, or focus groups. Quantitative data, on the other hand, offers statistical information about market size, customer demographics, and trends. This can be obtained through industry reports, surveys, or data analytics tools.

When conducting market research, it’s important to analyze industry reports and publications to understand the current state of the fintech market. Look for market trends, growth projections, and potential areas of disruption. This will give you a holistic view of the industry landscape and opportunities for your fintech startup.

Additionally, study your competitors. Identify who they are and analyze their products, pricing strategies, target markets, and marketing approaches. This information can help you differentiate your fintech solution and capitalize on unmet market needs.

Conducting primary research is equally important. Reach out to potential customers, industry experts, and stakeholders to gain insights about pain points, expectations, and potential demand for your product. This can be done through surveys, interviews, or focus groups.

When analyzing the data collected, look for patterns, trends, and common themes. Identify the most pressing pain points and prioritize them based on their potential for market disruption and your ability to solve them effectively.

Finally, use market research to refine your value proposition and positioning. Based on the insights gathered, clearly define what sets your fintech offering apart from the competition and how it addresses the identified market needs. This will guide your product development, marketing strategies, and customer acquisition efforts.

Remember, market research is an ongoing process. Continuously monitor the industry, customer feedback, and market trends to stay ahead of the curve. Regularly update your research and pivot your strategies if necessary to adapt to changing market conditions.

Defining Your Target Audience

When starting a fintech company, it’s essential to have a clear understanding of your target audience. Your target audience consists of the people or businesses who are most likely to benefit from and use your fintech product or service. By defining your target audience, you can tailor your marketing strategies, product development, and customer acquisition efforts to meet their specific needs and preferences.

Start by analyzing the problem you are solving and the value proposition of your fintech solution. Who is most affected by this problem? Who stands to benefit the most from your solution? Look for demographic, behavioral, and psychographic characteristics that define your ideal customer.

Demographic characteristics include age, gender, occupation, income level, and location. For example, if your fintech solution addresses the needs of small business owners, your target audience might include business owners in a specific industry or geographical area.

Behavioral characteristics encompass the actions, interests, and behaviors of your target audience. This includes their financial habits, technology adoption, preferred channels of communication, and willingness to embrace innovation. Understanding their behaviors will help you design a product and marketing campaigns that resonate with them.

Psychographic characteristics delve into the values, attitudes, and lifestyles of your target audience. This includes their financial goals, risk tolerance, beliefs about money, and overall financial literacy. By understanding their psychographic profiles, you can craft messaging and imagery that appeals to their unique motivations and aspirations.

Consider conducting market research to gather data and insights about your target audience. Surveys, interviews, and focus groups can provide valuable information about their pain points, preferences, and expectations. Use the insights gained from market research to create buyer personas – fictional representations of your ideal customers. These personas will serve as a guide throughout your product development and marketing initiatives.

Once you have a clear understanding of your target audience, tailor your marketing strategies to effectively reach and engage them. Identify the most relevant communication channels, such as social media platforms, industry publications, or professional networks, and create compelling content that addresses their pain points and showcases the benefits of your fintech solution.

As your fintech startup grows, continuously monitor and analyze your target audience. Their needs and preferences may evolve over time, requiring adjustments to your product or marketing strategies to ensure your fintech solution remains relevant and valuable to them.

Remember, defining your target audience is a dynamic process. Be open to feedback, adapt to changing market conditions, and continuously seek to deepen your understanding of your customers to drive the success of your fintech startup.

Developing a Business Plan

A well-developed business plan is essential for the success of your fintech startup. It serves as a roadmap that outlines your mission, vision, target market, competitive advantage, revenue model, and marketing strategies. A comprehensive business plan not only guides your decision-making but also attracts investors and potential partners who see the potential in your fintech venture.

Start by clearly defining the problem that your fintech solution solves, and articulate your unique value proposition. What sets your product or service apart from competitors? How does it address the pain points of your target audience in a differentiated and impactful way?

Next, identify your target market and conduct a thorough analysis of its size, trends, and customer segments. Understand the needs and preferences of your target audience to tailor your product offering and marketing strategies. This analysis will also help you identify potential barriers to entry and competitive advantages that you can leverage.

Develop a detailed revenue model that outlines how your fintech startup will generate revenue. Consider the pricing strategy, revenue streams, and projected financials. Take into account factors such as customer adoption rates, customer lifetime value, and costs associated with acquiring and servicing customers.

Marketing and customer acquisition strategies are essential components of your business plan. Determine the most effective channels for reaching your target audience and outline your marketing campaigns and tactics. Include strategies for acquiring customers, retaining them, and growing your customer base over time.

Furthermore, consider the organizational structure and team required to successfully execute your business plan. Define key roles and responsibilities and highlight the skills and experience needed to build and scale your fintech startup. Investors will want to see that you have a team in place that can execute on your vision.

It’s important to conduct a comprehensive analysis of the legal and regulatory landscape as it relates to your fintech startup. Understand the compliance requirements, licensing obligations, and potential risks associated with operating in the financial industry. Address any legal and regulatory considerations in your business plan to demonstrate your commitment to operating within the legal framework.

Finally, outline your funding requirements and potential sources of capital. Identify the amount of capital needed to launch and scale your fintech startup and explore funding options such as self-funding, loans, angel investors, venture capital, or government grants. Present a compelling business case for potential investors, showcasing the market potential and expected return on investment.

Remember, a business plan is a living document that should be updated and adapted as your fintech startup evolves. Regularly review and revise your business plan to reflect changing market conditions, industry trends, and feedback from stakeholders.

Legal and Regulatory Considerations

When starting a fintech company, navigating the legal and regulatory landscape is crucial to ensure compliance and mitigate potential risks. The financial industry is heavily regulated, and understanding the legal framework that applies to your fintech startup is essential for its success. Here are some important legal and regulatory considerations to keep in mind:

Firstly, familiarize yourself with the financial regulations that govern your specific area of fintech. Depending on your business model and the services you offer, you may need to comply with regulations related to consumer protection, data privacy, anti-money laundering (AML), know-your-customer (KYC) requirements, and more. Research the applicable regulations at both the national and international levels to ensure compliance.

Consult with legal professionals who specialize in fintech to navigate through the complexities of the regulatory landscape. They can provide guidance on licensing requirements, regulatory compliance, and legal obligations specific to your jurisdiction. Engaging legal experts early on in the process can help you navigate potential hurdles and avoid costly mistakes down the line.

In addition to financial regulations, data protection laws are critical considerations, especially in the era of digital finance. Safeguarding sensitive customer data is not only a legal requirement but also vital for building trust with your customers. Understand the data protection laws and implement robust security measures to protect your users’ information.

Stay updated on evolving regulatory frameworks and industry standards. The fintech industry is fast-paced, and regulations are continuously evolving to address new challenges and technological advancements. Attend industry conferences, join fintech associations, and actively participate in discussions to keep abreast of the latest regulatory developments.

Address compliance and risk management in your business plan and operational strategies. Demonstrate a clear understanding of the legal requirements and articulate your plans for ensuring compliance throughout your fintech startup’s operations. Implement internal controls and procedures to mitigate risk and meet regulatory obligations.

Consider the potential impact of regulations on your business model and competitive advantage. Some regulations may create barriers to entry or impose additional costs that could impact your profitability. Conduct a thorough analysis of the regulatory environment and adapt your business strategies accordingly.

Lastly, foster transparency and ethical practices within your fintech startup. Establish strong corporate governance and compliance practices to build trust with regulators, investors, and customers. Communicate your adherence to ethical standards and your commitment to regulatory compliance, which can differentiate your fintech company in the market.

Remember, compliance with legal and regulatory obligations should always be a top priority. It not only ensures the long-term sustainability of your fintech startup but also protects the interests of your customers and stakeholders.

Securing Funding for Your Fintech Startup

Securing funding is a critical step in launching and scaling your fintech startup. Whether it’s through self-funding, angel investors, venture capital, or government grants, having access to financial resources is essential to bring your fintech solution to market. Here are some key strategies to consider when securing funding for your fintech startup:

First, start with a solid business plan. A well-developed business plan will showcase the potential of your fintech solution, market opportunity, revenue model, and growth strategies. It will serve as a roadmap that investors can assess to understand the viability and scalability of your startup.

Explore self-funding options. Invest your own money into your fintech startup to demonstrate your commitment and belief in your venture. This will show potential investors that you have skin in the game and are willing to take risks to make your dream a reality.

Consider angel investors, who are individuals or groups that provide capital to early-stage startups in exchange for equity. Angel investors not only bring financial resources but also expertise and connections that can help your fintech startup thrive. Present a compelling case to angel investors that highlights your unique value proposition, market potential, and your ability to execute your business plan.

Venture capital firms are another valuable source of funding for fintech startups. These firms provide capital in exchange for equity and often have a specific focus on investing in early-stage or high-growth fintech companies. Research venture capital firms that specialize in fintech and tailor your pitch to align with their investment criteria.

Government grants and support programs can also be a valuable source of funding for your fintech startup. Research grants and programs offered by local or national government organizations that focus on fostering innovation in the financial sector. These grants can provide financial support, mentorship, and networking opportunities that can fuel the growth of your fintech startup.

Prepare a compelling pitch and investor presentation. Clearly communicate your value proposition, market opportunity, and your competitive advantage. Showcase your team’s expertise and highlight any traction or milestones achieved. Use data and market research to support your claims and project your financial projections in a realistic and well-supported manner.

Network within the fintech community. Attend industry conferences, join fintech networking groups, and participate in startup competitions. Building relationships with industry experts, potential investors, and mentors can open doors to funding opportunities and valuable connections.

Be prepared for due diligence from potential investors. They will want to thoroughly assess the potential risks and returns of investing in your fintech startup. Have all necessary documentation ready, including financial statements, intellectual property protection, legal contracts, and compliance documents.

Finally, be persistent and patient. Securing funding can be a time-consuming process, and you may face rejections along the way. Use feedback from investors to refine your pitch and strengthen your business plan. Stay focused and determined, and leverage every opportunity to demonstrate the potential of your fintech startup.

Remember, securing funding is not just about the money, but also about the added value and connections that investors can bring. Choose investors who align with your vision, values, and long-term goals, as they can provide guidance and support as your fintech startup grows.

Building Your Team

Building a talented and dedicated team is essential for the success of your fintech startup. The right team can bring diverse skills, expertise, and perspectives that complement each other and drive innovation. Here are some key considerations when building your fintech startup team:

Identify the key roles and responsibilities needed to bring your fintech solution to life. This may include positions such as technology specialists, financial experts, marketing professionals, compliance officers, and customer support representatives. Define the skill sets and experience required for each role to ensure a well-rounded team.

Look for individuals who are not just highly skilled but also share your passion and vision for your fintech startup. Seek team members who are willing to embrace challenges, take risks, and work collaboratively to achieve common goals. Cultural fit and alignment with your mission and values are important factors to consider.

Consider the balance between experienced professionals and fresh talent. Experienced individuals can bring industry knowledge and mentorship, while young and motivated team members can bring fresh ideas and perspectives. Creating a diverse team with a mix of experiences and backgrounds can foster creative thinking and innovation.

Networking is a powerful tool for finding potential team members. Attend industry events, join fintech groups, and engage with online communities to connect with individuals who are passionate about fintech and have the skills you need. Build relationships, exchange ideas, and leverage your network to find the right talent for your fintech startup.

When interviewing candidates, evaluate not only their technical skills but also their problem-solving abilities, adaptability, and willingness to learn. Fintech is a dynamic and rapidly evolving field, so having team members who can quickly adapt to change and embrace new technologies is crucial.

Consider the size and structure of your team. As a startup, you may need to be lean and agile in the early stages. However, ensure that you have the necessary bandwidth to execute your business plan effectively. As your fintech startup grows, reassess the team’s needs and expand accordingly.

Cultivate a positive and collaborative work culture. Encourage open communication, feedback, and continuous learning among team members. Foster an environment where everyone feels valued and their voices are heard. A strong team culture not only enhances productivity but also attracts top talent to your fintech startup.

Invest in professional development and provide opportunities for growth within your team. Offer training programs, mentorship, and cross-functional experiences to help team members expand their skills and advance their careers. This will not only retain top talent but also foster a culture of continuous learning and improvement.

Regularly evaluate the performance and alignment of your team members with your fintech startup’s goals. Provide feedback and recognition to motivate and support their professional growth. Address any performance issues promptly and make necessary changes to ensure the success of your team.

Remember, building an exceptional team is an ongoing process. Foster a culture of innovation, collaboration, and continuous improvement. By assembling the right mix of skills, expertise, and passion, your fintech startup can thrive and achieve its goals.

Developing Your Minimum Viable Product (MVP)

Developing a Minimum Viable Product (MVP) is a critical step in the process of bringing your fintech startup to market. An MVP is a simplified version of your product or service that focuses on solving the core problem for your target audience. It allows you to gather feedback, validate your assumptions, and iterate based on real user data. Here are some key considerations when developing your fintech startup’s MVP:

Start by identifying the core problem that your fintech solution addresses and the key features that will solve this problem. Focus on building the essential functionalities that provide the most value to your target audience. Remember, the goal of an MVP is to provide a basic, functional product that validates your concept, not to deliver a fully polished and feature-rich solution.

Engage with your target audience early on to understand their needs and gather their input. Conduct user research, interviews, or test groups to gain insights into their pain points and expectations. Involve them in the development process, seek their feedback, and integrate it into your MVP. This user-centric approach ensures that your product aligns closely with your audience’s needs.

When developing your MVP, prioritize speed and efficiency. Build a scalable and modular architecture that allows for flexibility and easy iteration. Consider using existing technologies, frameworks, or third-party services to accelerate development and reduce time to market. This approach enables you to quickly test and validate your hypotheses.

Design an intuitive user interface (UI) and user experience (UX) that allows users to easily navigate and interact with your fintech solution. Keep the interface clean and uncluttered, focusing on the core features and functionality. Use feedback from user testing to refine the design and improve usability.

Although your MVP may not be fully polished, ensure that the product is stable, reliable, and secure. Address any critical bugs, security vulnerabilities, or performance issues that could impact user experience and trust. Maintaining a high level of quality and reliability is crucial, even in the early stages of product development.

Define metrics and key performance indicators (KPIs) to measure the success of your MVP. These could include user engagement, conversion rates, retention rates, or specific milestones that indicate progress. Collect and analyze data to understand user behavior and identify areas for improvement and optimization.

Iterate based on user feedback and data analysis. Continuously refine and enhance your MVP based on the insights gained from real user interactions. Incorporate user suggestions and priorities into your development roadmap. The iterative process will help you build a product that closely aligns with user needs and preferences.

Finally, communicate transparently with your early adopters about the nature of the MVP and set realistic expectations. Seek their feedback, address their concerns, and keep them informed about upcoming updates and improvements. Cultivate a community of early adopters who are engaged and invested in the future success of your fintech startup.

Remember, the MVP is just the starting point. Use the insights gained from its development to guide your product roadmap and shape your future features and functionalities. The MVP serves as a foundation for testing assumptions, validating your business model, and gathering market feedback, ultimately leading to a more robust and successful fintech solution.

Testing and Iterating Your Product

Testing and iterating your product is a crucial phase in the development of your fintech startup. This process allows you to gather feedback, identify areas for improvement, and refine your product based on real user data. Here are some key considerations when testing and iterating your fintech product:

Start by clearly defining your testing objectives. What specific aspects of your fintech product do you want to evaluate? Whether it’s usability, performance, security, or user experience, having a clear focus will help guide your testing efforts.

Conduct thorough testing to ensure that your product is stable, reliable, and secure. Test all functionalities, features, and user workflows to identify and address any bugs, errors, or performance issues. Consider employing automated testing tools to streamline the process and ensure consistent and comprehensive testing coverage.

Engage real users in the testing process to gather feedback and insights. Conduct user acceptance testing (UAT), where users interact with your product and provide feedback on their experience. This feedback can help you identify pain points, usability challenges, or areas where the product may not be meeting user expectations.

Collect both qualitative and quantitative data during the testing phase. Qualitative data can be gathered through user interviews, surveys, or observation sessions. This data provides insights into user preferences, pain points, and overall satisfaction. On the other hand, quantitative data can be collected through metrics, such as user engagement, conversion rates, or time spent on specific features. This data allows you to measure the performance and success of your product objectively.

Iterate based on the feedback and data collected during the testing phase. Prioritize the most critical feedback and make necessary improvements or adjustments to your product. Take an agile approach, releasing new iterations or updates regularly to continuously refine and enhance your fintech solution.

Communicate with your users throughout the iteration process. Keep them informed about updates, bug fixes, and new features. Actively seek their feedback on the new iterations and demonstrate that you value their input. This iterative communication fosters a sense of ownership and engagement among your user base.

Be open to constructive criticism and embrace the concept of a minimum viable product (MVP). Accept that your initial version of the product will not be perfect and that it will evolve based on user feedback and market dynamics. Emphasize learning and improvement as you iterate and refine your fintech product.

Monitor and analyze user behavior and metrics after each iteration. Assess how the changes you’ve implemented have impacted user engagement, retention, or conversion rates. This analysis will enable you to make data-driven decisions and prioritize future iterations based on the needs and preferences of your target audience.

Involve your team and stakeholders in the iteration process. Encourage a culture of continuous improvement and innovation within your fintech startup. Encourage your team to share insights and ideas for enhancing the product, and collaborate with stakeholders to align product development with larger strategic goals.

Remember, testing and iterating are ongoing processes. Continuously seek user feedback, keep abreast of industry trends, and solicit input from experts to ensure that your fintech product remains relevant, compelling, and valuable in a rapidly evolving market.

Launching Your Fintech Startup

Launching your fintech startup is an exciting and critical milestone in turning your vision into a reality. It’s the culmination of all your hard work, research, and product development. A successful launch is crucial to gaining traction, attracting customers, and establishing your presence in the market. Here are some key considerations when launching your fintech startup:

Develop a comprehensive launch plan that outlines the key steps, milestones, and activities leading up to the launch. This plan should include targeted marketing strategies, communication channels, and a timeline for execution. Have a clear understanding of your target audience and tailor your launch strategies to reach and engage them effectively.

Create a buzz around your launch by leveraging various marketing channels. Utilize social media platforms, content creation, industry partnerships, and targeted advertising to build anticipation and excitement. Craft compelling messaging that highlights the unique value proposition of your fintech solution and its benefits to potential users.

Build a user-friendly and visually appealing website or landing page that showcases your fintech product or service. Clearly communicate your value proposition, features, and benefits. Include engaging and informative content that educates users about the problem you solve and how your solution addresses their needs.

Generate pre-launch interest and gain early adopters by offering exclusive access, free trials, or incentives. Launch a beta testing program to gain valuable feedback from early users and refine your product based on their input. Implement any necessary improvements before the official launch to ensure a positive user experience.

Equip your support team to provide excellent customer service during and after the launch. Promptly address user inquiries, feedback, and technical issues. Having a responsive and knowledgeable support team will enhance user satisfaction and build trust in your fintech startup.

Create a public relations (PR) strategy to generate media coverage and increase awareness of your fintech startup. Reach out to industry influencers, journalists, and bloggers who cover fintech topics. Highlight your unique selling points, target audience, and the problem you solve in your pitches for media coverage.

Establish partnerships and collaborations with other players in the fintech ecosystem. Partnering with financial institutions, technology providers, or other complementary fintech startups can help expand your reach, access new markets, and leverage their expertise. Seek out mutually beneficial partnerships that align with your strategic goals.

Monitor and analyze key metrics during the launch phase. Track user acquisition, engagement, and conversion rates to measure the success of your launch strategies. Assess the effectiveness of marketing campaigns, customer acquisition channels, and user onboarding processes. Utilize analytics tools to gain insights and identify areas for optimization.

Collect user reviews, testimonials, and case studies to build social proof and credibility. Positive feedback and success stories from early adopters can significantly influence potential customers’ decision to choose your fintech solution over competitors.

Continuously iterate and improve based on user feedback and market dynamics. Launching your fintech startup is just the beginning of an ongoing journey. Stay focused on continuous improvement, innovation, and staying ahead of the competition. Regularly assess the market landscape, customer needs, and emerging trends to adapt your strategies and product offering accordingly.

Remember, a successful launch sets the tone for your fintech startup’s future. Engage with your target audience, build brand awareness, and deliver an exceptional user experience. Launching your fintech startup is a major accomplishment, but it’s just the starting point for the long-term growth and success of your venture.

Marketing and Customer Acquisition Strategies

Effective marketing and customer acquisition strategies are essential for the growth and success of your fintech startup. By reaching and engaging your target audience, you can generate awareness, build brand credibility, and acquire valuable customers. Here are some key considerations when developing your marketing and customer acquisition strategies:

Start by clearly defining your target audience and understanding their needs, preferences, and behaviors. Develop customer personas that represent your ideal customers, including demographic, psychographic, and behavioral characteristics. This will help you tailor your marketing strategies and messages to resonate with your target audience.

Build a strong brand identity that reflects your fintech startup’s values, mission, and unique value proposition. Establish a consistent visual identity and tone of voice that aligns with your target audience’s preferences. Ensure that your brand messaging clearly communicates the problem you solve and the benefits of your fintech solution.

Utilize digital marketing channels, such as search engine optimization (SEO), social media marketing, content marketing, and email marketing, to reach and engage your target audience. Develop a content strategy that provides valuable and educational content related to the financial industry and the pain points your fintech solution addresses.

Invest in search engine optimization (SEO) to improve your website’s visibility in search engine results. Conduct keyword research to identify relevant keywords and optimize your website and content accordingly. Create informative and engaging content that targets these keywords to attract organic traffic to your website.

Develop a social media strategy to leverage platforms where your target audience is most active. Engage with users by sharing industry insights, news, and updates. Encourage users to share their experiences with your fintech solution and prompt them to refer others to your platform.

Consider partnering with influencers or industry experts who can help promote your fintech startup. Collaborate with influential figures in the financial industry to endorse your solution, provide guest blog posts, or participate in webinars or podcasts. Their support can help build credibility and expand your reach.

Implement referral programs or affiliate marketing to incentivize existing customers to refer your fintech solution to others. Offer rewards, discounts, or exclusive access to encourage loyal customers to advocate for your product. Word-of-mouth marketing can be a powerful tool for attracting new users.

Optimize your website and landing pages for conversion by creating clear call-to-actions, minimizing friction in the user journey, and instilling trust through testimonials, reviews, and security badges. Continuously test and refine your conversion strategies to maximize the number of visitors who become customers.

Monitor key performance metrics to assess the effectiveness of your marketing and customer acquisition strategies. Track metrics such as customer acquisition cost, customer lifetime value, conversion rates, and customer retention. Analyze the data and use it to refine your strategies and optimize your marketing campaigns.

Gain insights from user data and analytics to better understand user behavior, preferences, and pain points. Leverage data to personalize customer experiences, provide targeted messaging, and enhance user engagement. The more you understand your customers, the better you can tailor your marketing efforts to meet their needs.

Continuously test and iterate your marketing strategies. Experiment with different channels, tactics, and messaging. A/B test your campaigns to optimize performance and uncover new opportunities. Stay up to date with industry trends and emerging marketing technologies to stay ahead of the competition.

Remember, marketing and customer acquisition strategies are ongoing processes. Continuously analyze and adjust your strategies based on user feedback, market dynamics, and the evolving needs of your target audience. By understanding and effectively marketing to your target audience, you can drive growth and solidify your position in the competitive fintech landscape.

Scaling and Growth Strategies

Scaling your fintech startup is an exciting phase that requires careful planning, execution, and strategic decision-making. Scaling allows you to expand your customer base, increase revenue, and solidify your position in the market. Here are some key considerations when developing scaling and growth strategies for your fintech startup:

Assess your product-market fit to ensure that there is demand for your fintech solution at scale. Evaluate customer feedback, user acquisition metrics, and market trends to validate the scalability of your product. Understand the scalability limitations and potential challenges that may arise as you expand.

Optimize your operations and infrastructure to support growth. Strengthen your technology infrastructure to handle increased user traffic and transaction volume. Consider cloud-based solutions that provide scalability and flexibility. Automating processes and streamlining operations will help your fintech startup handle growth efficiently.

Expand your target market and customer base. Identify new customer segments or untapped markets that can benefit from your fintech solution. Conduct market research to understand the unique needs and preferences of these segments. Adapt your marketing strategies and messaging to attract and engage these new audiences.

Develop strategic partnerships to fuel growth. Collaborate with complementary fintech startups, financial institutions, or technology providers to leverage their expertise and reach. Strategic partnerships can help expand your offerings, access new markets, and enhance your competitive advantage.

Expand your product offering or add new features to cater to evolving customer needs. Listen to user feedback, stay informed about industry trends, and identify opportunities for innovation. Continuously enhance and iterate your fintech solution to ensure that it remains relevant and valuable.

Invest in customer retention strategies to drive long-term growth. Build strong relationships with your existing customers through personalized experiences, outstanding customer support, and regular communication. Develop loyalty programs, referral initiatives, or exclusive benefits to incentivize customer loyalty and encourage them to become advocates for your fintech startup.

Consider expanding geographically to tap into new markets. Conduct thorough market research and assess regulatory and cultural nuances of each expansion opportunity. Customize your marketing and product strategies to align with the specific needs and preferences of the target market.

Secure additional funding to support scaling and growth. Explore funding options such as venture capital, corporate partnerships, or government grants. Develop a strong pitch, highlighting the market potential, traction, and scalability of your fintech startup to attract investors and secure the necessary financial resources.

Invest in talent acquisition and team development to support growth. As your fintech startup scales, you will need to hire individuals with the right skills and experience. Foster a positive and collaborative work culture to attract top talent and retain key team members. Continuously invest in your team’s professional development to ensure their skills align with your growth objectives.

Monitor and analyze key performance indicators (KPIs) to track the success of your scaling and growth strategies. Measure metrics such as revenue growth, customer acquisition cost, user engagement, and market share. Data-driven insights will help inform your decision-making and guide your next steps.

Stay agile and adaptable. Continuously assess market dynamics, industry trends, and customer needs. Be open to pivoting your strategies and making necessary adjustments to align with evolving market conditions and opportunities.

Remember, scaling requires a well-defined strategy, careful execution, and a customer-centric focus. By implementing strategic scaling and growth strategies, you can position your fintech startup for sustainable and long-term success in the competitive fintech landscape.

Maintaining Compliance and Security

Maintaining compliance and security is of utmost importance for your fintech startup. In the highly regulated and sensitive financial industry, ensuring the privacy and security of customer data is crucial to building trust and credibility. Here are some key considerations for maintaining compliance and security:

Stay informed about relevant regulations and standards that apply to your fintech business. Understand the legal and regulatory requirements specific to your jurisdiction and the services you offer. Regularly monitor changes and updates in regulations to ensure your fintech startup remains compliant.

Implement strong data protection measures to safeguard customer data. This includes following industry best practices for data encryption, access controls, and secure storage. Regularly assess your data security infrastructure and conduct vulnerability assessments to identify and address any potential security risks.

Adhere to strict privacy policies and obtain appropriate consent for collecting and using personal data. Comply with data protection laws such as the General Data Protection Regulation (GDPR) to ensure that you handle customer data in a transparent and responsible manner.

Implement robust authentication and authorization protocols to ensure that only authorized personnel and users have access to sensitive data and systems. Implement multi-factor authentication, role-based access control, and other security measures to minimize the risk of unauthorized access.

Conduct regular audits and assessments to evaluate your fintech startup’s compliance with applicable regulations and security standards. Engage third-party auditors or consultants to provide an objective assessment of your compliance and security practices. Address any identified issues promptly to maintain a high level of compliance and security.

Train and educate your team on compliance and security best practices. Foster a culture of compliance and security awareness by providing regular training sessions and updates. Ensure that all employees understand their responsibilities and the importance of maintaining compliance and security standards.

Establish incident response and disaster recovery plans in case of a security breach or data loss. Proactively identify potential risks and develop strategies to mitigate them. This includes regularly backing up data, implementing disaster recovery procedures, and conducting simulated exercises to test your response capabilities.

Regularly monitor and analyze security logs and user activity to detect and respond to any suspicious or malicious activities. Implement intrusion detection and prevention systems, security information, and event management (SIEM) tools to identify and respond to security incidents in real-time.

Engage with legal and security experts to stay updated on evolving compliance requirements and security best practices. Establish relationships with industry professionals who can provide guidance and advice on mitigating risks and maintaining compliance.

Communicate your commitment to compliance and security to your customers. Be transparent about your data security practices and the measures you have in place to protect their data. This will help build trust and confidence in your fintech startup.

Audit and monitor your third-party providers and vendors to ensure that they also meet compliance and security standards. Conduct due diligence before partnering with vendors and regularly assess their practices to ensure ongoing compliance and data security.

Remember, compliance and security should be embedded into the culture and operations of your fintech startup. By maintaining a strong focus on compliance and security, you can protect customer data, build trust, and ensure the long-term success and sustainability of your fintech startup in a highly regulated and security-conscious industry.

Building Long-Term Relationships with Customers

Building long-term relationships with customers is crucial for the growth and success of your fintech startup. By cultivating strong relationships, you can enhance customer loyalty, drive repeat business, and establish a solid foundation for your fintech venture. Here are key considerations for building long-term relationships with customers:

Focus on delivering exceptional customer experiences. Ensure that every interaction with your customers is positive, personalized, and reflects a deep understanding of their needs and preferences. Provide prompt and helpful customer support, and go above and beyond to exceed their expectations.

Stay connected with your customers through regular and meaningful communication. Provide timely updates about new features, product enhancements, or industry insights that may be relevant to them. Leverage email marketing, newsletters, or social media to stay top-of-mind and foster engagement.

Request and act upon customer feedback. Encourage customers to share their opinions, suggestions, and concerns. Actively listen to their feedback and demonstrate that their input is valued. Use customer feedback to drive product improvements, address pain points, and evolve your fintech solution to better meet their needs.

Offer loyalty programs or incentives to reward and incentivize customer loyalty. Consider providing exclusive benefits, discounts, or access to premium features for long-term customers. These initiatives can deepen customer engagement and provide an added incentive for customers to remain loyal to your fintech startup.

Recognize and appreciate your customers. Show gratitude for their continued support and trust in your fintech solution. Consider personalized gestures such as thank-you notes, special anniversary offers, or personalized recommendations that demonstrate your commitment to their success and satisfaction.

Engage with customers on social media and online communities. Participate in discussions and respond to customer inquiries and feedback. Leverage social media platforms as a means to engage, educate, and create a sense of community among your customers.

Provide educational resources and content that adds value to your customers’ financial lives. Develop blog articles, videos, or webinars that educate customers on financial best practices, industry trends, or tips for maximizing the use of your fintech solution. By enabling them to make informed decisions, you position yourself as a trusted resource.

Continuously innovate and evolve your fintech solution to meet changing customer needs and market demands. Keep a close eye on emerging technologies, new features in the industry, and customer preferences. Regularly release updates and enhancements that add value to your customers and enhance their overall experience.

Personalize your marketing and communication strategies. Leverage customer data and insights to segment your customer base and deliver targeted messages and offerings. Personalization enables you to create relevant and meaningful interactions that resonate with individual customers.

Be transparent and upfront with customers about any changes or updates to your fintech solution. Clearly communicate any modifications in terms of service, pricing, or features. Open and honest communication builds trust and demonstrates your commitment to maintaining a long-term relationship with your customers.

Regularly re-engage with past customers. Implement strategies to win back customers who may have churned or dormant accounts. Offer incentives, new features, or personalized recommendations that address their previous concerns or needs to reignite their interest in your fintech solution.

Remember, building long-term relationships with customers requires consistent effort and dedication. By providing exceptional experiences, fostering engagement, and continuously improving your fintech solution based on customer feedback, you can foster customer loyalty, drive business growth, and establish a strong customer base for the long term.

Starting and growing a fintech startup is an exciting journey filled with challenges and opportunities. By following the key steps outlined in this article, you can set yourself up for success in this dynamic and rapidly evolving industry. From identifying a problem to solve and conducting market research to securing funding, building a team, and launching your fintech startup, each stage requires careful planning, execution, and adaptation.

Throughout the process, maintaining compliance and security, developing long-term relationships with customers, and implementing scaling and growth strategies are vital to sustaining and expanding your fintech venture. Building a strong brand, delivering exceptional customer experiences, and continuously innovating will help you stay competitive in an ever-changing landscape.

Remember that success in the fintech industry comes from a combination of technical expertise, customer-centricity, and the ability to navigate complex regulatory landscapes. Stay abreast of industry trends, embrace feedback, and keep an eye on emerging technologies to stay ahead of the curve.

As you embark on your fintech startup journey, it’s essential to remain agile, adaptable, and driven by your passion for making a positive impact in the financial industry. Empower yourself with a strong team, leverage the power of data and user insights, and foster a culture of innovation and continuous improvement.

While the path to success may not always be smooth, the rewards of building a successful fintech startup are well worth the effort. Embrace the challenges, embrace your customers, and keep pushing forward, knowing that your fintech solution has the potential to shape the future of finance.

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FinTech Business Plan Template - Downloadable

Add To Cart     Proposal Pack for Any Business

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Get 20% off ordering today: Click here for the code These chapters are used in this document: Cover Letter, Title Page, Table of Contents, Executive Summary, Company Description, Business Model, Market Analysis, Competitive Analysis, Marketing Plan, Technology Plan, Operations Plan, Management and Organization, Financial Plan, Funding Request, Exit Strategy, Appendices

This template, built by the Proposal Kit software, is 100% human-written content.

How to write your FinTech Business Plan Template

With a Proposal Pack, you can create variations of this document of any length to suit your specific needs. This template is built using the Proposal Pack Wizard software included with any Proposal Pack or the Proposal Kit Professional bundle.

We typically include more chapters in the templates than most people will need to give everyone more variety in the chapters they may need. You can trim down a long template by removing pages you do not need or combining multiple chapter topics into one page.

( Design themes, color schemes, fonts, and images are all customizable )

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Popular Proposal Pack Design Themes

The Proposal Pack for Any Business is a plain text design theme that does not include a visual design theme with logos or background photos. These design themes are commonly used to create this template. Any Proposal Pack can be used to create this template. Select a design theme based on your personal preferences for the visual look of the templates.

Use Cases for the FinTech Business Plan Template

• Presenting to potential investors to secure seed funding.
• Showcasing the business model to venture capital firms.
• Applying for business loans from financial institutions.
• Pitching at startup incubators and accelerators.
• Partnering with other companies in the fintech sector.
• Seeking government grants and subsidies for technology startups.
• Engaging with potential board members or advisors.
• Using in business school competitions or entrepreneurial events.
• Updating key stakeholders on business progress and directions.
• Facilitating internal reviews and planning.

Chapters Suggested for the FinTech Business Plan Template

Cover Letter, Title Page, Table of Contents, Executive Summary, Company Description, Business Model, Market Analysis, Competitive Analysis, Marketing Plan, Technology Plan, Operations Plan, Management and Organization, Financial Plan, Funding Request, Exit Strategy, Appendices

Copy and paste this chapter list into the Proposal Pack Wizard's 'Select by AI' screen to build the FinTech Business Plan Template. The Wizard is included with any Proposal Pack or the Proposal Kit Professional.

While the chapter list for this layout has been AI-generated, the Word template that the Proposal Kit software will create is 100% human-written content.

Components of the FinTech Business Plan Template

Creating the FinTech Business Plan Template involves assembling several chapters and filling them in with your details. While there's no one-size-fits-all template for every situation, Proposal Kit offers layouts that can be customized using its extensive chapter template library. The Wizard software builds this template for you, customized to your needs. The Wizard software is included in every Proposal Pack and the Proposal Kit Professional. You can customize this list of chapters as needed in the Wizard software, such as adding additional chapters, removing chapters, and changing the order of chapters.

Cover Letter

The Cover Letter serves as an introduction to the business plan, highlighting the key aspects and the purpose behind seeking investment. It sets a professional tone and briefly explains why the recipient should consider the funding request, emphasizing the unique value proposition of the fintech startup.

The Title Page includes basic information such as the business name, the title of the document (e.g., FinTech Business Plan), the date, and contact information. It serves as the first impression and should be clean and professional to reflect the seriousness of the proposal.

Table of Contents

The Table of Contents helps in navigating the document efficiently, listing all the sections and their page numbers. This is particularly useful for investors or advisors who may be looking for specific information within a detailed plan.

Executive Summary

The Executive Summary provides a snapshot of the business plan, summarizing the company's objectives, the financial forecasts, the market opportunity, and the funding needed. This section is crucial as it often determines the reader's interest in the rest of the document.

Company Description

The Company Description offers detailed information about the fintech company, including its founding date, the vision and mission, the legal structure, and the location. This section helps to establish the context and the groundwork for further detailed discussions in the plan.

Business Model

The Business Model outlines how the company intends to make money. For a fintech startup, this could include revenue streams from transaction fees, subscription services, or technology licensing. This section should clearly articulate the strategy to create value for users and sustain the business financially.

Market Analysis

The Market Analysis examines the fintaperch industry landscape, identifying target markets, market size, customer segments, and trends. This section highlights the demand for fintech services and justifies the product's market fit.

Competitive Analysis

The Competitive Analysis details major competitors and their offerings, along with their strengths and weaknesses. Understanding the competitive landscape helps in strategizing how to differentiate the fintech product or service.

Marketing Plan

The Marketing Plan outlines strategies to attract and retain customers, including pricing, advertising, promotions, and distribution. For a fintech company, digital marketing strategies and partnerships might be emphasized.

Technology Plan

The Technology Plan describes the technological framework of the product or service, including software, hardware, and IT infrastructure. In a fintech business, this section is crucial as it addresses data security, compliance, and technological scalability.

Operations Plan

The Operations Plan covers the day-to-day operations of the business, detailing logistics, facilities, and the technology used. It should align with the overall business objectives and demonstrate efficiency and cost-effectiveness.

Management and Organization

The Management and Organization section profiles the startup's leadership team and organizational structure. Highlighting the team's expertise in fintech can reassure investors of the company's management capabilities.

Financial Plan

The Financial Plan includes detailed forecasts of profit and loss, cash flow, and a balance sheet, automated by Proposal Kit's line-item database. It projects the financial future of the company and is important for securing funding.

Funding Request

The Funding Request specifies the amount of funding needed and the proposed use of funds. It should align with the financial projections and clearly explain how the investment will be used to achieve business goals.

Exit Strategy

The Exit Strategy outlines the long-term plans for potential exit options for investors, such as selling the company or public offering. This assures investors of the potential for a return on their investment.

The Appendices section provides supplementary information that supports the business plan, such as resumes of key executives, detailed financial estimates, legal documents, and technical specifications. This material can be crucial for due diligence purposes.

This template is also referred to as

• Fintech Startup Business Strategy Document
• Fintech Investment Proposal Template
• Financial Technology Business Plan Outline
• Startup Funding Business Plan Framework
• Fintech Entrepreneur Plan Template
• Digital Banking Startup Plan Format
• Financial Services Innovation Plan Sample
• Fintech Business Strategy Proposal
• Fintech Venture Business Planning Document
• Financial Tech Business Blueprint

How to create the FinTech Business Plan Template with Proposal Pack Wizard

You can create this document using any of the logo-designed Proposal Packs . Pick any Proposal Pack with a logo design theme you like best; they will all work equally well. The Proposal Pack for Any Business has no extra logos or colors added. It is designed to be used plainly or customized with your logos and graphics.

This is a recipe for a template you can build in the Proposal Pack Wizard software using any of the Proposal Pack design themes. This template uses a new feature in the Wizard software for creating templates based on lists of chapters selected by the Business Proposal Outline Creator for Proposal Kit OpenAI GPT . We've used the GPT to generate this template recipe that you can paste into the Wizard's 'Select by AI' screen when selecting the templates for your project document. This Wizard feature will auto-select all the chapters generated by the GPT and map any mismatches to Proposal Kit chapter templates as best possible. This is a new experimental feature of the Proposal Pack Wizard software.

See this article, How to Streamline Your Business with AI Proposal Writer Tools, for more details on using ChatGPT to create your proposal outlines that can then be made by the Proposal Kit software.

If you have a ChatGPT Plus subscription for custom GPTs, use the Business Proposal Outline Creator for Proposal Kit OpenAI GPT to generate custom proposal chapter lists.

The Proposal Pack design theme you purchase will determine the visual look of this template. The screenshot above only shows the plain generic design theme.

We include a library of chapters to be assembled based on your needs. All proposals are different and have different needs and goals. We designed the Proposal Packs so you can customize the documents to suit your needs.

You will best create this document using the Proposal Pack Wizard - Expert Edition software to select this template and build it in the Proposal Pack logo design theme of your choice along with any desired customizations (such as adding additional chapters, removing unneeded chapters, changing the order of chapters, and importing your company logo). This template outlines a proposal for the described situation. Each user is responsible for typing in the actual content of the provided pages with their information to complete the proposal.

You create this template using the Wizard software, which includes the entire Proposal Pack library and software. We include the Expert Edition of the software in the Proposal Kit Professional bundle. Microsoft Word for Windows is required to use the customizing software.

How to Build Proposal Template from an AI Outline

This video shows how to build a Word format proposal template using the Proposal Pack Wizard software from an AI-generated outline. This video is illustrated with pre-created AI outlines of chapters that are pasted into the Wizard software, which then generates a Word document from the outline.

Key Takeaways

• The FinTech Business Plan Template is built using a Proposal Pack or the Professional bundle using the included Wizard software.
• You can create unlimited custom variations of this template.
• The Wizard software automates quotes and other financial pages with a line-item database.
• There are no ongoing subscription fees. You get lifetime unlimited use.
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• Proposal Kit product content (templates, samples, software) is 100% written by humans.

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• How to Write a FinTech Business Proposal

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FinTech Business Models – A Complete Guide

• Posted by Niketan Sharma
• 7th September 2022

Fintech is all the rage right now.

With various Fintech business models, many companies have developed market-leading solutions and generated billions in revenue.

Today, the Fintech industry is worth billions. This isn’t all surprising considering the fact that millions of people across the world use Fintech apps in their day-to-day activities.

Especially in the United States of America, Fintech solutions have grown very famous among users.

As one might guess, the growth in the Fintech industry and the exciting opportunity it offers has attracted a lot of attention from start-ups to be, businesses, and established companies.

There are a lot of people who want to start their own fintech business.

However, the problem is, that not everyone is all that familiar with the Fintech industry business model. They don’t know how things work in this market and how to create a solution. But don’t let this bother you, because we are here to help you.

This complete guide to fintech business models will discuss everything you need to know about Fintech business models and create your own Fintech app. For our less tech-savvy readers, we shall also discuss the basics.

Therefore, this being Let’s get right into it:

Growing Fintech Industry: An Overview

Fintech stands for financial technologies.

In recent years, this industry has completely taken over traditional financial work, changing everything to a much faster, safer, and easy-to-use digital alternative.

In fact, fintech apps don’t even need an introduction considering their popularity and widespread use. While there are billions who use fintech solutions in their day-to-day life, there are some who want to create a fintech app of their own.

In order to do this, it’s important to have a basic understanding of the concept as well as the market.

To achieve just that, in this section of the blog, we shall be going through the top fintech app statistics , these are, as mentioned below:

• The global Fintech market was valued at  USD 133.84 billion in 2022 and is projected to reach  USD 556.58 billion by 2030 , with a CAGR of 19.50%.
• The number of Fintech startups in America was 10,755, EMEA (Europe, Middle East, and Africa) had 9,323, and Asia Pacific had 6,268.
• 78% of Americans use at least one digital banking product.
• Over  80 million people in Europe will use neobanks by 2025.
• 31% of the world population remains unbanked, presenting a potential market for inclusive Fintech solutions.

eWallet app statistics also show us amazing growth in online transactions and so do loan lending statistics.

But moving past that, now that you have a basic understanding of fintech, it’s time to what are fintech business models in the section below.

What is a FinTech Business Model?

So, what are fintech business models?

A fintech business model is a strategic blueprint that financial technology companies employ to deliver innovative financial services, streamline operations, and generate revenue in the digital age.

It is the foundation upon which fintech firms build their approach to disrupting traditional financial sectors, including banking, insurance, and investment management, by leveraging cutting-edge technologies.

At its core, a fintech business model is characterized by its use of software and mobile app development to create and deliver financial services that are more accessible, efficient, and user-friendly than those of traditional financial institutions.

But why is it important? Well, let’s answer just that in the section below.

Importance of Business Models in Fintech Industry

The financial industry on its own is huge, as we all know.

However, fintech is the future and it’s here to stay. So, if you are a financial business or institution adopting fintech business model is a must if you want to stay relevant to the market.

But that’s not all, there are a number of reasons why business models in the fintech industry are important.

Let’s discuss them in detail below.

1. Regulatory Compliance

The financial sector is heavily regulated worldwide and that’s no secret.

While you may not do it knowingly, not adhering to these compliances can often get your business in trouble with fines and a damaged reputation.

That’s why a fintech company’s business model is important.

A well-designed one helps ensure compliance with regulatory requirements like PCI and GDPR across different jurisdictions, mitigating legal risks and building trust with users.

2. Innovation and Differentiation

It is the dream of every fintech company to disrupt traditional financial services with innovative solutions. Isn’t it?

You can do just that, with top fintech business models

A well-defined business model helps in articulating the unique value proposition and differentiating the company from both traditional financial institutions and other fintech startups.

3. Customer Trust and Loyalty

Do you want to be successful in the user base , as THE fintech company?

Customer trust and loyalty are something every business strives to achieve. After all, trust is a cornerstone in financial services.

A fintech industry business model can certainly help with it, by prioritizing security, privacy, and customer-centric services to foster trust and loyalty.

This is critical for customer retention and acquisition in a competitive market.

4. Market Adaptability

With recent technological advancements, consumer behavior shifts, and regulatory changes, the financial industry is subject to rapid changes

You can surf this wave with a flexible business model that enables fintech companies to adapt quickly and capitalize on new opportunities.

5. Revenue Streams

Want to make money with fintech solutions ?

A robust business model outlines clear monetization strategies, whether through transaction fees, subscription models, or premium services.

It helps you identify and diversify revenue streams that are crucial for the financial sustainability of a fintech company.

These are some of the reasons why financial business models are important for modern companies. Now, let’s see how business models differ from monetization models.

Fintech Business Model vs Fintech Monetization Models

It’s quite easy to confuse fintech business models with app monetization models due to both of them involving the “revenue” aspect.

That’s what leads to the business model vs monetization model debate. Let’s discuss just that in the section below.

With all said and done, it’s time to look at the top fintech business models in the section below, let’s get started.

Top Fintech Business Models

There are as many fintech business models as there are niches in the industry. And in this section of the blog, we shall be going through the most prominent types of financial business models.

Therefore, with this being said, let’s get right into it:

► Alternative Credit Scoring System

So, what’s a credit scoring system?

A credit score is an important concept that helps financial institutions determine how risky it is to lend someone their services.

As such, people with lower credit scores have to pay higher fees and interest rates, whereas, on the other hand, people with higher Credit Score have to pay less and get loans much easier.

Now, building a credit score isn’t all that easy and a lot of people suffer because of it.

You see, the global alternative credit scoring market is expected to reach  USD 7.8 billion by 2027 , growing at a CAGR of 24.4%.

With an alternative credit score business model of fintech, users can check lender creditworthiness by using relatable, current, and easily available data. This is done by tracking their digital footprint.

Traditional credit scoring often excludes underbanked populations. Alternative data like social media activity, phone call patterns, and utility payments can lead to a 20% increase in loan approvals for these groups

That’s why, this is a top Fintech financial model that a lot of companies across the market use.

Plus, this is also highly beneficial. Not to mention it’s one of the leading ideas for fintech solution s that you can find today.

Some of the popular Alternative score apps are, as mentioned:

• Nova Credit

Who Should Choose This Fintech Business Model?

Startups and financial institutions aim to expand financial inclusion by providing credit to underserved markets, such as individuals without traditional credit histories.

Why Choose This Business Model?

Alternative credit scoring model leverages non-traditional data (like utility payments, social media activity, and mobile phone usage) to assess creditworthiness, enabling lenders to reach a broader customer base.

• Expands access to credit for underserved segments.
• Reduces reliance on traditional credit scoring methods.
• Can lead to lower default rates through enhanced risk assessment.
• Privacy concerns over the use of personal data.
• Regulatory challenges in certain jurisdictions.
• Potential for biased outcomes if not properly managed.

► Smart Insurance Underwriting

The market for insurTech solutions is huge.

There are just so many insurance companies who want to launch an insurance app . And we have just the fintech business model for the insurtech platform.

“Smart insurance underwriting”

It is revolutionizing the way insurance companies assess risk and price policies. As leverages technology, data, and analytics to create a more efficient, accurate, and customer-centric process. Here are some key aspects of smart insurance underwriting:

• Telematics data
• Public Records
• Alternative data

What makes this a great model is the huge market and innovation it offers.

The global InsurTech market is expected to reach USD 341.36 billion by 2026, growing at a CAGR of 16.3% And 73% of consumers are willing to share data for personalized insurance experiences.

Wearables and telematics data can personalize insurance premiums based on driving habits or health metrics.

You can take it to the next level with your own custom solution.

Insurance companies are looking to innovate and improve risk assessment through AI, machine learning, and big data analytics.

With this business model of financial technology, you can enable more accurate risk assessment, personalized insurance policies, and dynamic pricing based on real-time data, leading to higher efficiency and customer satisfaction.

• Enhanced risk assessment accuracy.
• Personalized and flexible insurance offerings.
• Improved customer experience and satisfaction.
• High initial technology investment.
• Data privacy and security concerns.
• Potential regulatory hurdles.

► Peer-to-Peer Lending

Here we have it, the popular P2P and Peer-to-Peer Lending.

The global P2P lending market is projected to reach USD 468.9 billion by 2025, with a CAGR of 25.5%. This makes it one of the most popular finance industry business models. After all, with the low cost to develop lending platform s, it has become people’s favorite business model.

For those who don’t know, P2P platforms offer loans to borrowers with thin credit files or those seeking lower interest rates compared to traditional banks. This often comes to life with the help of loan lending app development .

The platform is adorned with a range of amazing features, from flexible repayments to instant soft loans. With the benefits the platform offers, the market is filled with amazing loan lending apps .

In fact, the growth all over the world is amazing.

As of today, China dominates the P2P lending market with a 70% share, followed by the US and the UK (PwC).

This can be the perfect business model for fintech startups who are looking to establish a place for themselves in the market.

It’s the right time to add your business name to top loan lending apps.

Entrepreneurs are interested in creating platforms that connect borrowers directly with investors, bypassing traditional financial intermediaries.

This fintech business model offers an alternative financing solution for borrowers while providing investors with higher returns compared to traditional savings accounts.

• Access to credit for those who might not qualify through traditional banks.
• Potentially higher returns for investors.
• More competitive interest rates for borrowers.
• Credit risk for investors.
• Regulatory challenges and compliance.
• Dependency on the platform’s ability to match borrowers with investors.

► Small Ticket Loans

Another application of loan lending solution is small ticket loans.

As one of the innovative fintech business model, Microfinance platforms and BNPL solutions provide quick and affordable loans to underserved populations, promoting financial inclusion.

Nevertheless, as easily & readily available as it is, getting a loan isn’t all that simple. It requires several bank visits and tons of paperwork, and even then your application might not be approved as it is not profitable for the bank.

In fact, it is quite common for banks to say no just to “small-ticket” loans due to low margins and the relatively high cost of setting up and recovering those loans.

Nevertheless, where a bank doesn’t help, fintech companies come to save the day. In this model, you can offer them soft loans.

A very common example of this model is  Buy Now Pay Later app like Afterpay . Another one is cash advance apps .

These loans can be availed through mobile applications and don’t require the days-long process to proceed.

Moreover, there is a 0% interest rate and the client has to pay the amount within a month or so. As far as revenue generation is concerned, it can be done through late fees and partnership commissions.

Fintech startups focused on providing short-term, low-value loans to individuals or small businesses quickly and with minimal paperwork.

Meets the demand for immediate, short-term financing needs, especially in markets with a significant unbanked population.

• Quick and convenient access to funds.
• Serves an underserved segment of the market.
• Potential for high volume and scalability.
• High interest rates and fees can lead to debt traps for consumers.
• Regulatory scrutiny and the potential for increased regulation.
• Risk of high default rates.

► Investment Management Platforms

Investment has been growing popular among the common populous in recent years.

Studies show that as much as 56% of the U.S. population invest in stocks, and a large portion of these are active traders. Robo-advisors manage over USD 1 trillion in assets globally, and their assets are expected to reach USD 12.2 trillion by 2027

This gives us a clear picture of the investment landscape in the USA.

While there are a lot of people who are involved in it, the majority of them suffer from investment mismanagement. This doesn’t only mean a lot of loft opportunities but also huge losses at times.

And this is a problem you can bring a solution to.

Hire fintech developers   and go for capital management solution development . Traders will be able to manage their investment operations regardless of their location through the mobile phone.

Some of the popular examples of such investment management apps are,

Apart from traditional wealth management, you can also integrate it with Blockchain technology.

The reason is that  13% of Americans  invest use cryptocurrency trading apps. You can offer them a unique platform to track their investment.

This Fintech business model has high potential and there are already companies that have generated billions in the market through the same.

Startups and financial institutions aim to provide individuals and SMEs with digital tools for investment management, financial planning, and advisory services.

Democratizes access to asset management services, traditionally available only to high-net-worth individuals, by using technology to lower costs and minimum investment thresholds.

• Broadens access to investment management services.
• Lower fees compared to traditional asset management.
• Customized investment strategies using AI and algorithms.
• Market volatility and investment risks.
• Requires continuous technological innovation to stay competitive.
• Regulatory and compliance requirements.

► Digital Payment Gateways

With global mobile payment transaction volumes expected to reach USD 45.7 trillion by 2026, it’s right for this fintech app business model to mature.

Digital payment gateways , as the name suggests, enable users to send money and other users or vendors to accept it. This can be triggered via, eWallet apps, credit cards, debit cards, and so on.

Due to the recent adoption, digital payment statistics show us that Digital payment gateways are expanding rapidly in Africa and Asia, providing financial access to unbanked populations.

And to move towards are cashless societies Countries like Sweden and China are leading the shift towards cashless economies, driven by convenient and secure digital payments.

There are various ways this can be one of the prominent fintech business models. Covering both the needs of the users and accommodating merchant payment providers .

Moreover, you can see, that digital payment gateway comes in many forms and sizes. There are various people who create money transfer platforms based on the same.

Some examples of popular digital payment gateways are, as mentioned below:

Now, who should go for this business model?

Entrepreneurs aim to facilitate online transactions for e-commerce businesses, offering secure and efficient payment processing solutions.

This fintech solution business model supports the growing demand for e-commerce by enabling seamless and secure online transactions, enhancing the user experience.

• Facilitates the growth of e-commerce and online services.
• Offers secure and efficient transaction processing.
• Integrates various payment methods to cater to diverse customer preferences.
• High competition from established players.
• Security risks associated with online transactions.
• Compliance with international payment standards and regulations.

► Digital Wallets, Mobile Wallets, eWallets

Why does everyone want to create an eWallet app ?

Well, this is one of the best fintech business models today.

Over 3.5 billion people globally use mobile wallets, and their number is expected to reach 4.8 billion by 2025

We are living in the 21 st  century and you no longer need to carry a wallet. Not physically at least. Due to the advancement in fintech, all you need is a mobile phone.

Giving us, digital wallets, mobile wallets, and eWallets .

While there is no need to define digital payment apps, these store payment cards, loyalty programs, and IDs, simplifying everyday transactions.

You see, a lot of people carry bulky wallets filled with cash, cards, and other important documents with them, as there is no other option.

But with this app, you can replace a physical wallet with a digital one.

As the name suggests, eWallet applications are installed on our phones and they allow us to do virtually anything finance-related.

You can transfer money, pay for shopping in an instant, recharge your phone, transfer funds through the bank, check your bank balance, pay bills, open a new account, and so on.

eWallet app development  can give you solutions as per your business needs and ideas. And with this app, you can lead the market.

There are many examples of successful eWallet applications that have helped their parent companies dominate the market while generating record-breaking revenue.

Therefore, this is a Fintech business model that you should definitely have a long at.

Companies looking to offer a convenient and secure digital alternative to traditional wallets, enabling users to store payment information and make transactions electronically.

As a popular business model in the finance industry, caters to the increasing consumer preference for digital payments, driven by convenience, speed, and added functionalities like rewards and budget tracking.

• Enhanced convenience and user experience.
• Reduced need for physical wallets and cash.
• Opportunity for integration with loyalty programs and financial services.
• Security vulnerabilities and fraud risks.
• Requires widespread merchant adoption to be effective.
• Regulatory compliance and data privacy concerns.

► Digital Banking Solutions

NeoBank App Development has become one of the top fintech business models.

Today, over 80 million people in Europe will use neobanks by 2025. As traditional banks struggle to compete with neobanks’ lower fees, user-friendly apps, and innovative features, they are partnering with FinTech companies to offer digital banking solutions.

There are various popular mobile banking apps in the market like Bank of America. But all of them focus on mainly one task, digitalization, and automation.

You see, only half a decade ago, you had to visit a bank branch for virtually every task. However, with the introduction of mobile banking app development , that became history.

As of today, more than 64% of Americans use at least one digital banking product. In Europe, Over 80 million people are expected to use mobile banking.

This clearly shows the popularity of the concept as well as its future potential. This is one of the best business models on the list and definitely worth your consideration.

Now, all you need to do is apply this business model to your platform. Or create a mobile banking solution of your own from the ground up.

Startups and traditional banks aim to offer banking services entirely online, including account management, transfers, loans, and more.

The digital banking business model meets the demand for convenient, 24/7 banking services, appealing to tech-savvy consumers and those seeking alternatives to traditional banking.

• The convenience of accessing banking services anytime, anywhere.
• Lower operational costs compared to traditional banks.
• Quick and innovative financial product deployment.
• The lack of physical branches may deter some customers.
• Security and privacy concerns with online banking.
• Regulatory hurdles and ensuring compliance with financial regulations.

And that’s that. These were different fintech business models in the market. Let’s move to the next section now.

Popular Fintech Apps and Their Business Models

The market is filled with top fintech apps .

More often than not, fintech businesses as well as start-ups are inspired by these platforms to go for their own.

So before you invest in a fintech app , here are some of the top platforms and their fintech business models.

Take a look at the below.

Let’s start with the discussion with OG, PayPal.

The platform is so popular that the market is filled with apps like PayPal . Let’s look at it’s business models fintech startups so love.

PayPal Business Model

PayPal operates as a digital payment platform that allows users to make online payments and transfers.

The company generates revenue through transaction fees from merchants, international money transfers, and other financial services.

2. Square (Now Block)

Square is a platform that has inspired so many people to build an app like Cash. And now, it’s known as a block.

So, how does it make money and conduct its business? Let’s find out.

Block or Square Business Model

Square provides a range of financial services and tools for businesses, including payment processing, point-of-sale systems, and small-business financing.

The company earns money through transaction fees, subscription services for additional features, and interest on loans provided to businesses.

3. Robinhood

Want to create an investment platform ? Well, let’s look at the fintech business model of the most popular investment platform, Robinhood.

Robinhood Business Model

Robinhood is an investment app that offers commission-free trades of stocks, ETFs, and cryptocurrencies.

Its revenue comes from three main sources: interest earned on customers’ cash balances, selling order information to high-frequency traders (payment for order flow), and its premium subscription service, Robinhood Gold.

Stripe stands as an example of one of the most successful fintech business models. And for those who want to create a money transfer app .

Stripe Business Model

Stripe provides infrastructure for online payments, enabling businesses to accept payments over the Internet. The company’s revenue primarily comes from transaction fees, along with additional fees

5. Transfer Wise (now Wise)

For those inspired by cross-border money transfer apps , it’s time to look at the best in the market and its business model.

Wise Business Model

Wise is a financial technology company offering cheap, cross-border money transfers.

The company charges a transparent fee based on the amount transferred and the route, often undercutting traditional banks’ foreign exchange rates and transfer fees.

Now that we are done with the examples, in the next step of the fintech business model guide, we shall discuss how to choose the right one for you.

How To Choose the Right Fintech Business Model?

There are a lot of different fintech business models.

Truth be told, it can get a little confusing at times, juggling all these things and deciding which one to go for.

So, here’s a table of considerations to keep in mind when choosing a fintech business model.

Nimble AppGenie, A Fintech Development Company, Turning Ideas To Digital Products

Have you found the perfect fintech business model for your venture or still confused? In any case, we are here to help you.

Nimble AppGenie  is a renowned  fintech app development company  with years’ worth of experience in the market, working on 700+ projects, and delivering 95% client satisfaction.

Some of our top solutions are, as mentioned below:

• Pay By Check  – Pay by Check is a popular ewallet mobile app in the United States of America. It allows users to transfer, pay, or even exchange currency.
• SatPay  – An eWallet platform, it’s a Versatile eWallet Solution that allows users to request, receive, and send payment without hassle.
• CUT  – an E-wallet Mobile App, CUT is available in China and Myanmar. It works well with both RMB and MMK currencies.
• SatBorsa  – a Currency Exchange Fintech app, SatBorsa is one of the platforms that is available on both platforms, iOS, and Android.

For our contribution to the fintech industry, we are recognized by top platforms like Clutch.com, GoodFirms, and DesignRush. It’s the right time to turn the idea into reality backed by a robust fintech business model.

Hire mobile app developers in 2024 hours, we are just a click away.

Fintech or financial technology is one of the largest and clearly most profitable industries in the world. Various Fintech companies have developed their own Fintech apps, following specific Fintech business models to generate billions of dollars in the market.

Now, if this has inspired you to start your own business with one of the fintech business models and create a market-leading fintech application, you should consult a stellar app development company that will take you to the next level.

What is a Fintech Business Model?

A fintech business model is the strategic framework that financial technology companies use to deliver innovative financial services, streamline operations, and generate revenue by leveraging advanced technologies. This includes the use of software and mobile apps to offer services that are more accessible and user-friendly than traditional financial institutions.

Why are Business Models Important in the Fintech Industry?

Business models in the fintech industry are crucial because they ensure regulatory compliance, foster innovation and differentiation, build customer trust and loyalty, enable market adaptability, and define clear revenue streams. These elements are vital for staying relevant and competitive in the rapidly evolving financial market.

How do Fintech Business Models Differ from Monetization Models?

Fintech business models outline the core structure and strategy for delivering value and operating in the financial market, focusing on the type of service or product offered. In contrast, monetization models describe specific methods to generate revenue from these services or products, focusing on financial value extraction.

What Is The Business Plan Of Fintech?

A fintech business plan outlines the strategic approach a fintech startup or company will take to address a specific problem within the financial industry using technology. Key components of a fintech business plan include:

• Executive Summary
• Market Analysis
• Company Description
• Organization and Management
• Services or Products Offered
• Marketing Plan
• Operational Plan
• Financial Plan

What are Some Top Fintech Business Models?

Prominent fintech business models include Alternative Credit Scoring Systems, Smart Insurance Underwriting, Peer-to-Peer Lending, Small Ticket Loans, Investment Management Platforms, Digital Payment Gateways, Digital Wallets (eWallets), and Digital Banking Solutions. Each model caters to different market needs and leverages technology to enhance financial services.

How Should One Choose the Right Fintech Business Model?

Choosing the right fintech business model involves considering factors such as the target customer segment, value proposition, revenue model, technology stack, regulatory compliance, partnerships, cost structure, market trends, competition, and scalability. Understanding these dimensions helps in selecting a model that aligns with market needs and business objectives.

What Are The Most Interesting Fintech Business Models?

The fintech industry is known for its innovative and disruptive business models that have significantly transformed traditional financial services. Some of the most interesting fintech business models include:

• Blockchain and Cryptocurrency Platforms
• Neobanks and Challenger Banks
• Robo-Advisors
• Buy Now, Pay Later (BNPL)

Niketan Sharma is the CTO of Nimble AppGenie, a prominent website and mobile app development company in the USA that is delivering excellence with a commitment to boosting business growth & maximizing customer satisfaction. He is a highly motivated individual who helps SMEs and startups grow in this dynamic market with the latest technology and innovation.

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Having a great business idea and having the willingness and ability to jump into the entrepreneurial or intrapreneurial journey are the stepping stones to a successful journey. Next, you will develop expertise on how to write a business plan for a tech startup step by step.

You may like to start a business venture on your own or start a new business initiative within the firm that you work for. Whatever the case may be; you need to start your journey by writing a tech startup business plan proposal.

Like they say, a job well begun is half done. So, knowing how to write a well thought out business plan wins half the battle for you.

You also need to follow the “Keep it Simple, Silly” doctrine and come up with a simple business plan. Following a step-by-step business plan template, in this case, helps.

Sounds interesting? Let’s start the journey.

How do you begin a tech startup business plan?

To begin a tech startup business plan, you need to ask yourself the following questions:

“What to do?” “How to do it?” “When to do it?” and ” Who will do it?”

These questions will help in starting to plan how to take your business idea to executable action. Planning will help you bridge the gap between where you are right now and where you want to reach, concerning your business idea.

What are the 5 elements of a tech startup business plan?

There is no sacrosanct format of a good business plan or a business plan pdf, and also the ingredients of a business plan proposal would depend on your experience in business and knowledge in that particular field. 

However, a good startup business plan consists of the following:

1. Your background 

In case you have partners, their background too

2. Description of the business idea

It should consist of Utility of the Product / Service and the Unique Selling Proposition, i.e., USP 

3. Production plan 

In case of a product, how would you produce the product, in case of a service, how will you deliver the service

4. Operational plan

How would you smoothly coordinate the day to day work, how would you ensure the desired quality, where would you set up your factory/office, at what price will you sell

5. Organizational plan

This contains details of how many people you will employ to produce or deliver the service, what your marketing set up will be, who will manage your accounting and liaison with the various stakeholders and authorities

6. Financial plan

Now we come to an essential part of your business plan, where you need to spend considerable time and effort. It is the Financial Plan .

Your financial plan should spell out the investment required for the business. Where would the funds come from, and when are the funds needed? How much cash is needed to carry on day to day operations?

This section would also describe the economic feasibility of the business. This would include the revenue forecast for the next year, or three years or even further. 

How do you write a one-page business plan for a tech startup?

You need an elaborate plan to be successful in your business. However, at the same time, you also need to keep in mind that the business plan is needed for the potential investor to consider investing in your business. 

Given the lack of time the potential investor has, you need to make a one-page business plan which has a concise description of your plans but gives details on why she/he should invest in your business. It should motivate the potential investor to spend time and read a more elaborate business plan.

The one-page business plan is also your means of communication with the external stakeholders like the government, the public at large when you need to do any statutory filing of information of the company or present in various conferences. 

You may also like to term this one-page plan as a written “elevator pitch.”

  You may like to start a business venture on your own or start a new business initiative within the firm that you work for. Whatever the case may be; you need to start your journey by writing a tech startup business plan proposal.

  Like they say, a job well begun is half done. So, knowing how to write a well thought out business plan wins half the battle for you.

  You also need to follow the “Keep it Simple, Silly” doctrine and come up with a simple business plan. Following a step-by-step business plan template, in this case, helps.

What does a tech startup business plan consist of?

A startup business plan consists of an internal roadmap elaborating on the most important aspects of your business (i.e., the background, the production, operational, organizational, and financial aspects). 

At the same time, it consists of the purpose, and the financial returns your business will generate, which acts as a written marketing document for external stakeholders.  

However, given the uncertainties in modern times, business plans are increasingly focusing on the risks, and the fall back plans that would be in place if the original plan fails.  

A significant point that gives confidence to the investor about the long term viability of the business plan is the interest that the target market will show in the product or service. So, it is worthwhile to add as a Business plan annexure pdf, any primary research done by a reputed marketing agency of the market potential of the product or service.

When the business plan involves a new product or service, it is effortless to fall into the trap of looking at the product from your point of view and taking the market for granted. What is required at this stage is to focus exclusively on how you conceptualized the idea and how you are planning to bring the concept to execution.

Researchers from MIT suggested successful business plan examples where users were invited to pre-test the products or services. Their feedback is of interest to the investor and needs to be included in your startup business plan.

8 Steps to Create a Business Plan for Your Tech Startup

Step 1: executive summary.

The first step in writing a startup business plan for your new tech business is to create an executive summary.

The executive summary doesn’t need to be lengthy and tedious; around two to three pages should suffice.

Although a short document, the executive summary one of the most important elements of your business plan.

Your executive summary should be concise and clear as it should be successful in communicating everything about your business.

Some investors might  only  ask for your executive summary — so be sure to craft it well and pepper it with all the right bits of information. you’ll want to ensure it can stand on its own.

Stick to the following:

1. Mission Statement:  In one crisp paragraph, explain the mission of your business and what you want to accomplish.

2. General Company Information:  Next, include general information like when your business was formed, the name of the other founders, their roles, the number of employees, office locations, and so on.

3. Visual Highlights:  Include graphs and charts pertaining to any key milestones of the business or any growth you’ve seen since starting the business.

4. Products and Services:  Without getting overly passionate or verbose, briefly describe your product, the technology that powers it, and your target customer base.

5. Financial Information:  If you’re looking for  startup fundraising , include your funding goals. You can also include any information on previous loans or about banks or lenders you’ve worked with before.

6. Future plans:  Don’t forget to include where you plan on taking your business in the future.

Pro tip: Write your executive summary after you’ve completed creating your business plan.

This way you’ll have all your facts in place and all your information and details sorted so you will be better equipped to summarize them.

Step 2: Company Overview

Many entrepreneurs confuse the company overview with the executive summary. However, there is a stark difference between the two.

The company overview is a more detailed top-level view of the structure of your tech business and what you do.

Here’s how you can go about drafting your startup overview:

1. Begin your company overview section by describing what your business specializes in and the technology behind it. This part of the company overview is intended to give readers and investors a general idea of your business.

2. Next, proceed to explain the nature of the industry and marketplace.

3. Lay out the legal structure of your business and provide the ownership structure.

Step 3: Market Analysis

The next step along the process of creating your startup business plan is to perform in-depth research and analysis of your niche, target market, and primary competitors.

This is the first part of your startup business plan where you dive into the details.

Your market analysis will give readers and investors enough proof about the level of understanding you have about the dynamics of your industry.

Your market analysis should include the following sections:

1. Industry Description:  Start by including a detailed view of your industry. How big is it? How much has it grown in the past few years? What are its growth predictions from industry experts? Who are your competitors? How have they performed? And so on.

2. Target Market Details:  Dive into the details of your target market . And include your target market’s characteristics and target market size and growth.

3. Your Market Share Potential:  Chart out what your market share could look like along with how much market share you expect to gain.

4. Market Pricing:  Include an estimated cost of your products and how you will distribute them.

5. Challenges:  Don’t shy away from including any challenges that you may across. This could be legal issues to shifting technologies to capital issues to lack of talented or skilled human resources.

6. Competitor Research:  Study your competitors by analyzing their strengths, market share, weaknesses, challenges they pose to you, and so on.

Step 4: Business Organization

This next section of your startup business plan provides insights and information on your tech business’s management structure clearly defining and explaining what everyone does.

You will also have to go a step further to include everyone’s business background and past experiences.

Here’s what you need to break down:

1. Organizational Structure: Start this section by creating an organizational chart that depicts how your business is structured.

2. Ownership Structure:  Although you’ll repeat this information in your company overview, you have the liberty to go in-depth allowing you to talk about the ownership structure of your company, who owns how much, and so on.

3. Background of Owners:  Categorically explain the background of your team. This includes information on directors, senior management members, and managers.

4. Talent Requirement:  Clearly make a list of all hiring needs.

Step 5: Products and Services

This section of your startup business plan is all about laying out the details and plans for positioning your product, the utility it provides, the technology behind it, and so on.

For instance, if you are offering Internet of Things (IoT) based solutions or Artificial Intelligence-powered services, then give details about how these products work and how you wish to promote and sell it.

Here’s exactly what this section should include:

1. General Description:  Highlight the USP of your product or service and the value it provides to potential customers.

2. Status of products:  Paint an honest picture of the status of your product. Is your product in the idea stage? Is it already selling? Or is it ready to go to market?

3. Product goals:  If you are still in the ideation phase, map out a journey that talks about how you plan to launch the product and bring it to life. Include details on the research and development activities required. You can also include new versions or new products or any new features you wish to include in the future.

4. Intellectual property:  As a tech business, it is imperative to have proprietary intellectual property . Make mention of this and any other patent or trademark that you own or are in the process of owning.

5. Sourcing and fulfillment:  If you are dependent on third-party vendors to fulfill or your product or service creation, mention it here.

This section is crucial for your startup business plan as it defines everything about your products and services.

It will work as a bible for product managers and for you in the development stages and go to market phase.

Step 6: Marketing and Sales Plan

Once you’ve explained everything about your product, it’s time to delve into explaining how you are going to go about marketing and selling your product or service.

When it comes to marketing, this is what this section should look like:

1. Positioning:  This first part of your marketing plan should talk about how you’re positioning your business and products. What price bracket are you targeting? Are you offering any free service? What guarantees and warranties are you offering? Answering these questions and more will help you determine where you are positioning your products and services.

2. Promotion:  This part involves explaining marketing channels and plans you have for advertising your product, PR strategies, SEO plans, content marketing practices, social media marketing, etc.

Next, your sales plan:

1. Salesforce:  How do you plan to sell your product? Do you need a sales force? How big a team do you need? Who will train your sales team? These parameters need to be addressed in your sales plan.

2. Selling strategy:  Give an overview of how you will sell your product or service. Define the process you will follow as a technology business. Will you start with cold-calling potential customers? Or attending events? Or appointing channel partners? Clearly describe what your sales funnel should look like.

Step 7: Financial Plan and Projections

This is a supremely important section of your business plan.

Investors and VCs will want to look at your financial plans and projections before parting with their money.

Ideally, this section uses financial data from past performances or forecasts.

Include the following as part of your financial plan:

1. Income statements

2. Cash flow statements

3. Balance sheets

Additionally, if applicable, include the accounts of receivable statements, accounts of payable statements, and details or documents of debts.

Ideally, your financial projections should be supported either by past performances or future projections and estimations.

Include statements of projected income, cash flow forecasts, forecasted balance statements, capital expenditure budgets, and miscellaneous expenses.

Your startup business plan should include projections for the first year of business but should include a vision for the coming 3 to 5 years.

Step 8: Appendix

The appendix should be included towards the end of your business plan. This section includes all additional information that you didn’t include in the sections above of your business plan.

Any data, statistics, strategic points, charts, footnotes, or further explanations that you think are necessary to be included as part of your startup business plan but has been skipped should be included here.

As an entrepreneur or founder, you can also consider including your own resume and resumes of other founders or senior management team members.

Ideally, the appendix should begin with a table of contents that categorically breaks down your business plan into relevant, followed by the additional information that corresponds to each section.

199 Resources for Startup Business Plan Templates, Business Plan Examples, and Business Plan Samples

Final Thoughts

Although creating a startup business plan seems daunting and arduous, when you break it down into a step by step process, it gets easy to create one.

And with these 8 steps, you can create a killer tech business plan for your tech startup that will help you catapult to success and leave investors mesmerized.

Starting a tech business? Build it on a .tech domain! 

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How to Start a Fintech Company: 8 Things Every Startup Owner Should Know

The article was updated on February 03, 2023.

People strive to manage their whole life right from their laptops or smartphones. With fintech applications, users can take control of their personal finances, take a loan, trade cryptocurrencies, or even invest in world companies within one app. In many cases, an automated AI-driven fintech app can perform better than a traditional financial institution.

The fintech market offers more and more solutions each year. In fact, we can witness the real boom of such products. Even before the pandemic, analysts predicted the global industry revenue to grow up to $188 billion by 2024. Not to mention that global lockdowns shifted the attention to digital options even more significantly.

These stunning prospects attract increasingly more enthusiasts. Last year, the number of fintech startups passed the 25,000 mark . Although the market seems saturated, there is still a place for your fintech business to compete with the industry giants.

Want to take your first steps in launching a fintech company ? Read on to discover current business opportunities in fintech , and learn the basics of fintech app development .

• Top fintech applications and their recipe for success

A fintech startup is a company that relies on technologies to address the consumer needs in financial management. They usually aim to compete with or completely replace the traditional financial service providers by offering a superior experience or simply more efficient solutions to the existing problems.

Here are some examples of the best fintech startups that have become an illustration of success:

Niche : online payments

Funding : $478.7M across 9 funding rounds

One of the most popular online payment gateways, Stripe is used by eCommerce businesses all over the world. Unlike PayPal, another leading online payment company, Stripe focuses on digital businesses rather than on the consumers.

The key to the success of this fintech app is its simplicity of integration. Patrick and John Collison, the brothers who co-founded Stripe, recognized how much hassle web developers had to go through when adding a payment system to the site. As a response, they focused on making the setup as easy as possible and adding relevant development tools that quickly transformed Stripe into a $36 billion fintech giant.

Niche : Personal finance management

Funding : $31.8M across 5 rounds; acquired by Intuit in 2009 for $170M

Mint is a personal finance app, provided by Intuit. The app combines a wide array of services, from account management, expense tracking, budgeting, bill pay, etc. So, instead of using several apps, you get everything you need to keep track of your money in one easy to use app.

The success of Mint lies in meticulous planning, strong market research, and expansive content marketing. Since a fintech business doesn’t naturally result in a viral product (unlike social apps), Aaron Patzer, the founder of Mint, rejected the iterative development approach and focused on perfecting the app before releasing it. He communicated with as many people as he could to get an idea of how well Mint was going to be received and what features resonated with potential users.

The company then invested heavily in producing articles, infographics, and other content that gave the target audience a sense of credibility and usefulness. In terms of marketing, Mint also highlighted the details that concerned users the most and provided solidly phrased reassurances, such as “bank-level security.”

Niche : investments and trading

Funding : $539M across 5 funding rounds

Robinhood is a zero-commission stock and cryptocurrency trading app. It presents an easy and free way to invest, opting to earn income through premium accounts and interests from stocks and cash holdings.

Among the top fintech applications, Robinhood is one of the most appealing investment apps for millennials. The company tailors its marketing and features towards the needs and values of the younger generation, providing a handy and highly personalized piece of software. Combined with the lack of fees and a clean interface, this approach allows Robinhood to trump the competition.

Oscar Health

Niche : insurance

Funding : $892.5M across 7 rounds

Oscar Health is an outstanding representative of the so-called insurtech – insurance technology market. It is a new kind of health insurance company which is unlike the traditional solutions, in that it is extremely customer-oriented, simple, and affordable.

As a fintech startup , an application that focuses on healthcare has to go through a significant challenge of becoming appealing to users. Most similar services limit customers’ opportunities to gain more information and generally focus on selling the most extensive plans, shifting the attitude towards electronic healthcare into the realm of the necessary evil.

Oscar Health puts its users first—and not in name only. The company empowers people with dedicated teams of nurses and advisors who guide customers through their issues and help select the most applicable, rather than expensive, insurance options. The app also allows people to add and store their medical records, receive lab reports, make appointments, and get virtual health recommendations.

Niche : digital currency exchange

Funding : $225.3M across 8 rounds

Coinbase is a leading digital currency exchange platform. It allows users to easily buy and sell digital currencies, including Bitcoin, Ethereum, and Lightcoin, online.

A fintech company that handles cryptocurrency transactions is bound to sink if it’s not transparent, widely available, and cheap enough. Coinbase checks all three ticks. It works seamlessly in 102 countries , and the registration process is fast and smooth. Users also benefit from top-level security and the service’s straightforward law compliance policies.

Niche: cryptocurrency trading

Funding : $25M across 3 rounds

In contrast with the newcomer-friendly fintech app Coinbase, the ideal user for Binance is an experienced cryptocurrency trader. Binance is not as straightforward as crypto platforms for beginners, and that’s what makes the difference.

Binance supports over 65 cryptocurrencies in the US, and even more outside for other countries. The app is perfect for peer-to-peer and crypto-to-crypto trading, and it also offers opportunities for spot and margin trading. The clients of Binance require fees that are lower than the charges of their competitors, and that’s what makes this platform stand out.

Niche : neobanks

Funding : $1.7B across 7 rounds

Revolut is one of the largest representatives of neobanks, which is a new format of virtual banks that don’t have physical branches. This “digital independence” allows neobanks to offer especially favorable conditions for the clients – and that’s what Revolut does.

The Revolut card mediates real-time transactions for 30 national currencies in over 3 million locations across the globe, so no wonder that this fintech company is widely beloved among travelers. In addition, the status of a neobank allows Revolut to minimize fees and additional charges.

On top of these functions, the Revolut fintech company has a number of must-have features for a digital-only app, namely a user-friendly app that claims first-class fintech data security and customer support.

You might have noticed that some of the common words used to describe all of the listed products are “simple” or “easy”, and it’s not a coincidence. Simplicity and availability of such products represent a powerful competitive advantage, which made it possible for the listed companies to compete with the established market leaders.

Instead of going to the bank to transfer money to another person, you send the required amount directly from your smartphone. It’s that easy.

You no longer need an accountant to make sense of your income and expenses. You just open an app on your smartphone and there is it, all the information you need, neatly organized. Isn’t it convenient?

As you can see, the secret recipe for the success of a fintech app is pretty straightforward. It’s the simplicity, convenience, and customer-oriented service that can make a difference and attract millions of users worldwide to your product.

• Things to know starting a fintech startup

When starting a fintech company, one can realize that there are several equally important aspects you need to keep in mind.

By putting together a well thought out, agile business plan of how to start a fintech startup, you will be able to focus on the most relevant facets, and then feel free to experiment and bring a unique touch to an already featured project.

Here is an overview of the important steps you need to take when starting a fintech company:

1. Get to know the regulations

Fintech and banking are highly regulated industries. As a result, you need to know the ins and outs of this highly complex sphere, including the regulatory authorities, laws, legal limitations and requirements. The latter has become especially important since the GDPR came into action .

The General Data Protection Regulation covers all businesses that interact with customers’ data. This policy is only the tip of the iceberg for companies in the finance industry. Typically, fintech regulations in the U.S. include anti-money laundering (AML) policies, Know Your Customer (KYC) compliance requirements, and adherence to the PCI DSS. You may also need to operate digital certificates and other standardized authentication mechanisms.

Take into account that the laws can differ from country to country (or even from state to state, within the same country). So, if you are planning a global launch, be prepared to deal with that. For instance, countries like Mexico and UAE require firms to apply for specific market regulations for fintech licenses, while the United Kingdom requires regular licenses.

2. Identify your niche

There are many fintech subdomains to consider , and here are some of them:

• payments and international money transfers
• personal finance management
• mobile banking
• trading and investments
• crowdfunding
• financial products for small business (e.g. accounting or tax services)
• data analysis and financial decision making
• cryptocurrencies and blockchain-based solutions

In addition to choosing a subdomain, your product can target a specific audience, e.g. a country or demographic group. However, it’s better to launch your startup locally first and expand to the global market later if needed.

Read more: How to Scale your Mobile Startup – Vertical vs. Horizontal Growth Strategies

3. Find your competitive advantage

As soon as you’ve chosen your niche, get to know your competition. This will help you find something that will distinguish your product from the existing solutions, a unique value or competitive advantage.

This can be a completely new product targeting a specific niche market (e.g. financial services for the underbanked) or simply improving the quality of an existing offering (e.g. fast and simple mobile banking).

At a glance, business opportunities in fintech are incredibly extensive. However, the industry is dominated by widely known giants like Microsoft and several extremely successful ventures (Stripe, Coinbase), making easy success unattainable for the newcomers. To make a break on the fintech market , you should—in most cases—bet on a stellar execution of your idea.

Dive into user satisfaction before even writing a single line of code. Share your ideas with as many potential customers as possible and try to unravel which parts of your future application resonate with users and which are redundant or broken.

Mint, Robinhood, and several other companies that we’ve discussed earlier focused on creating incredibly personalized and convenient applications, eventually beating the competition with relevance to their target audiences.

4. Hire the team

Having the right people by your side is one of the ingredients of a successful  startup. Yet, attracting top financial app developers and growing your team on-site might be challenging, especially if your location has a limited talent pool. An additional point which can’t be overlooked is the simple fact that experienced engineers in the USA don’t come cheap.

For a startup, the best decision is to hire a software development team offshore, and to consider a more cost-effective location such as Eastern Europe. This can help you build a really strong team or even find specialists with specific domain knowledge or relevant experience, all at a reasonable cost.

Read more: The Extended Team Model – How to Make it Work

5. Choose the tech stack

Custom software development is a must for heavy-weight fintech products. You can’t rely on third-party CMSs or frameworks to handle all the transactions. Plus, you will need the performance no ready-made solution can provide.

The tech stack that most software providers use for fintech app development include the following:

Programming languages:

• Javascript,
• Java, and 

Frameworks:

• Django,and 
• Redis, and 
• PostgreSQL.

6. Prioritize data protection

Another important aspect of the fintech app development is data safety. Make sure your product is secure and that all the sensitive data is encrypted and stored in the cloud. Leaked sensitive information that can be used for theft, blackmail, or further fraud is one of the most pressing fintech security concerns .

To ensure top-level fintech cyber security for your startup, run extensive testing to check the source code for any vulnerabilities. For all network connections, apply transport layer security (TLS), prevent unauthorized API connections, and protect your clients’ information with an HTTPS SSL certificate.

You should also pay close attention to how you build your infrastructure and consider a cloud platform, such as AWS, that offers a strong defense against DDoS attacks and backs up the data to get back online in case of any network disruptions.

On the clients’ side, instill multi-step authentication and require customers to use complex passwords that are changed frequently. Besides that, include face recognition and fingerprint scanning options to combine everyday convenience with high-level data protection.

7. Get funded

There are multiple ways to get money for your startup: from bootstrapping to bank loans, from crowdsourcing to venture capital, etc. You can even enter a startup competition or get money from your family or friends.

Regardless of the path you choose, it would be nice to have something to show to your potential investors. Thus, building a visual prototype is a great way to prepare a powerful pitch deck that can get you funded.

8. Build and improve

As soon as you get all of the above-listed aspects of building a fintech startup, you are good to go with the development. However, we strongly recommend starting with the minimum viable product (MVP) first.

Build the minimum required scope of features to try the waters and test the idea, collect users’ feedback and improve. There are many pitfalls you need to avoid when building an MVP . Yet, starting small and growing your product, later on, is a smart way to reduce the potential risks, especially in such a saturated and competitive market as fintech.

Looking to build your own fintech startup?

Having built a number of successful fintech products for industry leaders and dozens of startups worldwide, we can help you start your fintech company with great financial solutions!

• The pros of starting your fintech business now

This year has been turbulent for businesses across numerous industries. Many entrepreneurs choose to wait the pandemic out before taking on new ventures, and this decision is sound for many fields except finances. In money management technology, demand and prospective benefits have only been growing.

Let’s take a look at several reasons why it is the best time to start a fintech company.

The modern electronic finances industry presents solutions that more and more people find extremely useful. Personal money management applications, insurance technology, and easy investment—fintech has gathered every niche imaginable under its umbrella, and this bubble keeps expanding. Users want to feel in control of their finances, and they want to do it through a sleek all-in-one interface that’s always in their pocket.

Launching a fintech company now means responding to the pressing needs of millions of potential users and getting the attention startups rarely receive on other markets.

2. Expertise

Building a fintech app will also be easier these days. Developers gain more expertise in designing this kind of software, and more specialized toolkits to integrate third-party products are released regularly. Programmers can also seek advice from fintech consulting services to get an idea of the inner workings of financial systems.

Furthermore, banks and governmental institutions in most countries support the digitalization of the finance industry and have gradually started tailoring their services and activities to help fintech businesses prosper.

3. Insurtech is getting immensely popular

Among the fintech applications , insurance technology is receiving a lot of interest for its data-driven predictive capabilities.

Insurtech uses artificial intelligence to process a person’s criminal and medical records whenever legally acceptable, as well as credit history, open social media information, and other factors to reduce the risks for companies and suggest the most cost-efficient options to customers.

4. Enterprise accounting

Starting a fintech company and focusing on businesses as your target audience is potentially an incredibly lucrative endeavor.

Enterprises have already made a huge shift towards online operations due to the COVID-19 pandemic, and the trend to rely on various technologies to boost operations is unlikely to die down. The niche of enterprise fintech software is highly competitive but also rewarding.

5. The rise of cryptocurrency

Digital currencies are no longer a buzzword—people trust decentralized applications to handle their money and seek the most convenient and reliable platforms to do so. Although the cryptocurrency market is overflowing with all kinds of trading and investment apps, none of them have 100% user satisfaction.

While it might be impossible for a fintech startup company to battle industry giants like Coinbase, a well-made, low-fee, sleek, and secure app can certainly attract users and help you gain customer loyalty.

• Our work case of solutions for financial institutions

Our team at Eastern Peak has developed a comprehensive web crawling engine and data mining system for Western Union for various financial information to be collected, normalized and analyzed.

An adaptive and customizable reporting dashboard with extensive data visualization tools that facilitates competitor analysis, report generation and configuration management.

• How to develop a fintech app?

Fintech isn’t the easiest industry to target. With all the pitfalls you need to consider, it takes time and effort to develop a successful fintech app.

Yet, everything’s easier with the right people by your side. A team with strong tech skills as well as solid domain experience will help you build a truly great product.

How to get started?

The product discovery phase is the best first step you can take to lay a solid foundation for the development of your app. It includes a functional specification, UX/UI design, and a visual prototype that will give you a clear vision of the end product. On average, this phase takes 4-6 weeks.

The product discovery phase can help you:

• define a full scope of work and develop a roadmap for the project
• set a realistic budget for your MVP and plan your resources
• test the waters with your audience using a visual prototype
• craft a convincing investment pitch
• get to know your team

From industry leaders like Western Union to dozens of startups worldwide, we at Eastern Peak have built a number of successful fintech products. That’s why we know exactly how to start a fintech company from scratch.

If you are looking for the proven domain expertise as well as a trusted software development provider, contact us now.

• Chatbots in Fintech: Benefits and Best Use Cases for 2022

What are the Best Personal Finance Apps and How to Build One?

• 13 Fintech Startup App Ideas to Consider
• Explained: How to Create a Secure Mobile Banking App
• Software Solutions for Insurance Companies: Best Practices

About the author:

Alexey Shalimov, CEO at Eastern Peak

As CEO at Eastern Peak, a professional software consulting and development company, Alexey ensures top quality and cost-effective services to clients from all over the world. Alexey is also a founder and technology evangelist at several technology companies. Previously, as a CEO of the Gett (GetTaxi) technology company, Alexey was in charge of developing the revolutionary Gett service from ground up and deploying the operation across the globe from New York to London and Tel Aviv.

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• Pulse of Fintech H2 2023

Biannual analysis of global fintech funding.

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H2 2023 - Pulse of Fintech latest edition

2023 was a difficult year for the fintech market globally, with both total fintech investment ($113.7 billion) and the number of fintech deals (4,547) experiencing their weakest results since 2017. A storm of global challenges — from the high interest rate environment and stubbornly high inflation in many jurisdictions, to conflicts in the Ukraine and Middle East — combined with concerns about valuations and the barren exit environment, saw fintech investors becoming increasingly cautious with their investments.

The year-over-year decline in fintech investment occurred across all key regions, with ASPAC experiencing the largest drop — from $51.3 billion in 2022 to just $10.8 billion in 2023. EMEA saw investment fall from $49.6 billion to $24.5 billion over the same timeframe. The Americas showed the most resilience, with fintech investment dropping from $95.4 billion in 2022 to $78.3 billion in 2023. At a jurisdictional level, the US attracted two-thirds of all fintech funding during 2023 ($73.5 billion).

The payments space continued to account for the largest share of fintech funding among the fintech subsectors, despite a drop from $57.9 billion to $20.7 billion between 2022 and 2023. Of the major fintech subsectors, only proptech and insurtech saw total investment rise year-over-year, with proptech investment rising from $4.1 billion to $13.4 billion, and insurtech investment growing from $5.9 billion to $8.1 billion. From a technology perspective, despite a drop in funding in 2023, AI remained a clear leader, attracting over $12.1 billion in fintech investment.

Looking at both 2023 as a whole, and at H2’23 in particular, fintech investor sentiment can be characterized as restrained. Consider some of the key trends we’ve seen across the fintech sector over the past six months:

• Increased scrutiny of potential fintech deals, including a very strong focus on profitability and avoidance of down rounds.
• ­Strengthening interest in B2B fintech solutions aimed at enablement rather than on B2C-focused business models.
• ­Enhanced focus on partnerships and alliances.
• ­Growing interest in the applicability of AI and generative AI across the fintech sector.
• ­Continued focus on embedded financial products, particularly payments and lending, as part of transition to opening banking.

Looking ahead to the first half of 2024, investment in the fintech sector globally is expected to remain relatively soft, although investment will likely begin to pick up as interest rates reduce with common consensus that this will be in Q3/Q4. AI will likely continue to be a key focus, in addition B2B solutions. M&A activity is also expected to rise as investors look for opportunities to buy distressed assets.

One area that has bucked the trend in the fintech life stage, is start-up and seed/ pre-seed funding. While the deal sizes are small as investors spread their risk, the number of deals completed is at an all time high. Clearly, investors are testing and learning which next wave, fintech business model, will be commercially desirable.

Whether you’re the founder of an emerging fintech or the CEO of a large financial institution, it’s important to consider how your company can drive the most value from your operational activities so that you are well positioned to be sustainable long-term. As you read this edition of Pulse of Fintech, ask yourself: What can we do to enhance our profitability and ensure we’re sustainable for the long-term.

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Global Head of Financial Services Innovation and Fintech, KPMG International

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Intel to lay off 15,000 employees

Intel announced it would lay off more than 15% of its staff, or 15,000 employees, in a memo to employees on Thursday. The massive headcount is part of a large plan to reduce spending by $10 billion in 2025, following a dismal second-quarter earnings report and outlook.

“Our revenues have not grown as expected — and we’ve yet to fully benefit from powerful trends, like AI,” said CEO Pat Gelsinger in a memo to employees. “Our costs are too high, our margins are too low. We need bolder actions to address both — particularly given our financial results and outlook for the second half of 2024, which is tougher than previously expected.”

As Gelsinger describes, Intel has struggled to capitalize on the AI boom in the same way other hardware companies, such as Nvidia, have. Intel led the tech industry’s revolution around CPU chips roughly 25 years ago, but has been slow to embrace newer waves of computing such as smartphones and AI. Gelsinger says annual revenues at Intel fell $24 billion between 2020 and 2023, despite its workforce growing 10% in the same time frame. That’s a stark contrast to other chipmakers during the AI boom, who have seen revenues and valuations soar to astronomical heights.

Intel reported a 1% decline in revenues for the second quarter compared to the same period last year. The company attributed the loss to gross margin headwinds related to its AI PC products. The company is also suspending its shareholder dividend starting in the fourth quarter of 2024, and anticipates “more challenging” second-half trends than it previously expected.

Beyond the layoffs, Intel will broadly offer applications for a “voluntary departure” program next week to employees at the company, according to the memo. The company is also announcing a companywide enhanced retirement offering for eligible employees.

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The financial plan for a fintech company.

Running a successful fintech company goes beyond just having innovative financial solutions; it's also about making strategic financial decisions.

In this post, we'll delve into the essentials of creating a robust financial strategy that can help your fintech scale effectively.

From understanding your initial funding requirements to managing operational costs and forecasting revenue growth, we're here to guide you through each critical financial juncture.

So, let's embark on the journey to turning your fintech vision into a financial triumph!

And if you need to obtain a comprehensive 3-year financial analysis of your fintech venture without delving into complex calculations, please download our specialized financial plan tailored for fintech startups.

What is a financial plan and how to make one for your fintech company?

A financial plan for a fintech company is an essential roadmap that guides you through the financial intricacies of your technology-driven financial services business.

Think of it as designing a financial algorithm: You need to identify the resources you have, the services you aim to provide, and the costs associated with developing and deploying your innovative fintech solutions. This plan is crucial when starting a new fintech venture as it turns your innovative financial technology ideas into a structured and sustainable business model.

So, why create a financial plan?

Imagine you're about to launch a cutting-edge fintech startup. Your financial plan will help you comprehend the costs involved - such as software development, securing licenses, technology infrastructure, hiring skilled personnel, marketing expenses, and compliance costs. It’s similar to evaluating your technological capabilities and budget before undertaking a major software development project.

But it’s more than just adding up expenses.

A financial plan can provide critical insights similar to cracking a complex code. For instance, it might show that developing certain features in-house is cost-prohibitive, leading you to consider outsourcing or partnerships. Or, you may realize that investing heavily in marketing at an early stage isn't as crucial as refining your product.

These insights enable you to avoid overspending and overextending your resources.

Financial plans also serve as a tool for predicting potential risks. Suppose your plan suggests that achieving profitability – where your revenue surpasses your costs – is feasible only if you acquire a certain number of users. This understanding points out a risk: What if user acquisition doesn’t meet your projections? It pushes you to explore alternative strategies, such as pivoting your service offerings or seeking strategic partnerships, to generate revenue.

Now, how does this differ for fintech companies compared to other businesses? The main difference lies in the nature of the costs and the revenue generation patterns.

That’s why our specialized financial plan is specifically designed for fintech companies . It addresses unique challenges and opportunities that are not typically found in other types of businesses.

Fintech companies face distinct expenses like high-tech development costs, cybersecurity measures, regulatory compliance, and potentially volatile market conditions. Their revenue models, often based on transaction fees, subscription services, or financial data analysis, can fluctuate significantly depending on market adoption and technological advancements. This is in contrast with more traditional businesses, where expenses and revenues might be more predictable and steady.

Clearly, our financial plan takes into account all these fintech-specific aspects. This enables you to create accurate and customized financial forecasts for your fintech startup, ensuring you are well-prepared to navigate the dynamic world of financial technology.

What financial tables and metrics include in the financial plan for a fintech company?

Creating a financial plan for a new fintech company is a critical step in ensuring the success and sustainability of your innovative financial services business.

Understand that your fintech company's financial plan is more than just figures on a spreadsheet; it's a strategic guide that steers you through the initial launch phases and supports long-term business growth.

Let's begin with a key component: the startup costs. This encompasses everything you need to launch your fintech services effectively.

Consider the expenses for technology development, obtaining licenses, setting up IT infrastructure, initial market research, branding, and even legal and compliance costs. These costs provide a clear view of the initial capital required. We have outlined these in our financial plan , so you have a ready reference.

Next, factor in your operating expenses. These are recurring costs such as staff salaries, technology maintenance, software updates, data security, marketing, and day-to-day administrative expenses. It’s crucial to accurately estimate these expenses to comprehend how much revenue your fintech needs to generate for profitability.

In our financial plan, we've input all the necessary values, giving you a realistic idea of what these might amount to for a fintech firm. You can adjust these figures in the 'assumptions' tab of our financial plan to tailor it to your specific needs.

An essential table in your financial plan is the cash flow statement (included in our plan). This details the expected cash movements in and out of your business.

It provides a monthly and annual overview, including your projected revenue (the income expected from your fintech services) and your projected expenses. This statement is vital for predicting periods when you might need extra funding or when you can consider business scaling opportunities.

Another key table is the profit and loss statement, also known as the income statement, which is part of our financial plan.

This crucial financial document offers insight into your fintech company's profitability over a specific period. It outlines your revenues and deducts expenses, indicating whether your business is operating at a profit or a loss. This statement is fundamental for assessing the financial health of your fintech company over time.

Finally, don't overlook the break-even analysis (also included in our plan). This calculation determines the amount of revenue your fintech company needs to generate to cover all costs, both initial and ongoing. Understanding your break-even point is essential as it sets a clear target for sales and revenue goals.

We've also incorporated additional financial tables and metrics in our financial plan (like the provisional balance sheet, financing plan, working capital requirement, ratios, and charts), providing you with a comprehensive and detailed financial analysis of your future fintech venture.

Can you make a financial plan for your fintech company by yourself?

Yes, you actually can!

As mentioned above, we have developed a comprehensive financial plan specifically designed for fintech business models .

This plan includes financial projections for the first three years of operation.

Within the plan, you'll find an 'Assumptions' tab that contains pre-filled data, which includes revenue assumptions, a detailed list of potential expenses relevant to fintech companies, and a staffing plan. These figures can be easily customized to match the needs of your specific fintech project.

Our all-encompassing financial plan covers all the critical financial tables and ratios necessary for a fintech business, including the income statement, cash flow statement, break-even analysis, and a provisional balance sheet. It is designed to be fully compatible with loan applications and is suitable for entrepreneurs at all levels, from novices to those with advanced financial knowledge.

The plan is automated to simplify the process, eliminating the need for manual calculations or complex spreadsheet operations. Just enter your data into the specified fields and choose from the available options. We have made the process straightforward and accessible, even for those who are not familiar with financial planning tools.

If you experience any difficulties, our team is ready to assist you. We promise a response within 24 hours to resolve any issues you may have. In addition, we provide a complimentary review and correction service for your financial plan after you have completed all your assumptions.

What are the most important financial metrics for a fintech company?

Succeeding in the fintech industry requires a deep understanding of both innovative financial technology and effective financial management.

For a fintech company, certain financial metrics are especially crucial. These include your revenue, cost of service (COS), gross profit margin, and net profit margin.

Your revenue encompasses all the income generated from your fintech services, offering insights into the market's acceptance of your innovations. COS, which includes the cost of software development, server maintenance, and direct labor, is vital for understanding the direct costs tied to your services.

The gross profit margin, calculated as (Revenue - COS) / Revenue, indicates the efficiency of your service delivery model, while the net profit margin, the percentage of revenue left after all expenses, reflects your overall financial health.

Projecting sales, costs, and profits for the first year requires analyzing several factors. This includes market research, understanding your target customer base, and estimating sales based on factors like user acquisition strategies, market size, and pricing models.

Costs can be categorized into fixed costs (like office space and utilities) and variable costs (like server costs and hourly labor). It's important to make conservative estimates and account for potential fluctuations in sales and costs.

Developing a realistic budget for a new fintech venture is essential.

This budget should cover all anticipated expenses, including office rent, utilities, technology infrastructure, initial development costs, labor, marketing, and an emergency fund. Allocating funds for unforeseen expenses is also critical. Maintain flexibility in your budget and regularly review it, adjusting as necessary based on actual outcomes.

In financial planning for a fintech company, key metrics include your break-even point, cash flow, and customer acquisition cost.

The break-even point helps you understand the volume of transactions or number of users needed to cover your costs. Positive cash flow is vital for everyday operations, while an efficient customer acquisition cost indicates effective marketing and customer engagement strategies.

Financial planning can vary significantly among different types of fintech companies.

For example, a fintech focusing on digital payments may prioritize transaction volume and low operational costs, whereas a company specializing in wealth management tech might have higher customer acquisition costs and focus on premium services and client retention.

Recognizing signs that your financial plan might be off-track is critical. We have detailed these indicators in the “Checks” tab of our financial model. This provides guidelines to quickly adjust and correct your financial plan to ensure it remains relevant and effective.

Red flags for a fintech company include consistently missing user acquisition targets, rapidly decreasing cash reserves, or technology costs that are much higher than anticipated. If your actual figures consistently diverge significantly from your projections, it’s a clear sign that your financial plan needs revisiting.

Lastly, the key indicators of financial health in a fintech company's financial plan include a stable or increasing profit margin, a robust cash flow that comfortably covers all operating expenses, and achieving or surpassing user growth or revenue targets.

No worries, all these indicators are included and monitored in our financial plan , allowing you to make necessary adjustments as needed.

You can also read our articles about: - the business plan for a fintech company - the profitability of a a fintech company

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Starbucks vs. the grind

Long lines. Plunging sales. Pissed-off employees. Can the world's largest chain of coffeehouses make coffee fun again?

You know that shaky, nauseated feeling you get when you've had too much coffee? That's how Starbucks itself is feeling these days. At peak hours, its ubiquitous cafés are overcrowded and slow . Garbled names written in Sharpie have been replaced by computer-printed stickers for online-ordering overachievers, who are allowed to jump the line. Employees — once among the happiest in America — are unionizing. There's new competition from Dutch Bros and boba tea. The company reported yesterday that US sales have dipped for the last two quarters, down 2% since April, and profits are off 7.5%. With more than 33,000 cafés, the world's largest coffee chain has turned into a total grind.

But now, Starbucks seems to have woken up and smelled the — well, you know. On July 2, the company announced a major revamp of the way its cafés are organized. Called the "Siren Craft System," it overhauls the workflow at some 10,000 of its coffeehouses in an effort to reduce inefficiency, speed up orders, and boost customer satisfaction. But unlike most plans dreamed up by fancy-pants consultants, Siren Craft doesn't try to solve the problem by cranking up the assembly line or flogging employees into a state of heightened productivity. Instead, it does something truly novel in American business: It attempts to actually fix what's wrong with pretty much every company that makes things for lots of people.

Every fast-food outlet, Starbucks cafés included, is a little factory. The order of operations is highly prescribed, a carefully choreographed system of specialization that's been timed down to the second. For Starbucks, the trick is to balance America's addiction to cheap and speedy service with the vibe of a European-style coffeeshop — creating a relaxed, enjoyable "third place" for people to hang out beyond their office and home. There's a reason Starbucks used to sell CDs of the inoffensively groovy music it played in its cafés. People, it understood, need a cozy place to doomscroll.

The order in which we were asked to build those drinks was no longer working

The Siren Craft System tries to get this recipe right. For starters, it changes the sequence in which baristas make drinks. That's because over the years, as Starbucks introduced more and more cold beverages — a Frozen Strawberry Açaí Lemonade Refresher, anyone? — it has gotten harder and harder to keep up with all the orders. "The build for the drinks themselves have gotten more complex and has more steps, so they take longer to make," says Michelle Eisen, a Starbucks barista and union organizer. "The order in which we were asked to build those drinks was no longer working."

The new system instructs baristas to push cold drinks down in the queue in favor of hot ones. That might seem surprising, given the popularity of the milkshake-like Frappuccino line and the fruity Refreshers. But the fact is, the cold drinks also take longer to make. Order one of each, and you'll end up holding a melting Frappuccino before they even start on your double espresso. The higher-grossing cold drinks take so long to make, in fact, that they're actually pretty low-margin. The highest-margin item on the menu, a person familiar with Starbucks operations tells me, is probably a plain old drip coffee.

Siren Craft also switches up the way baristas make coffee. They used to pull espresso shots first and steam milk second. But employees told management that the caffè was getting cold waiting for the latte . The new system reverses that order to get the ingredients into better sync.

Then there's the digital dashboard that tells baristas what to do next. Starbucks is about to expand who can place orders via its app, and it's expecting a huge influx. So it's reprogramming the dashboard to anticipate when a flood of orders is coming and warn supervisors, to help them figure out who needs to be doing what. That might seem like a minor change, but when you're operating at the scale of Starbucks, all the savings in seconds really add up.

Finally, in perhaps its biggest innovation, the new system is changing the role of each café's "peak play caller." During crunch times, these managers will be empowered to deviate from everyone's set assignments, like a coach calling a play from the sideline. They'll be able to move employees around, taking someone off the espresso machine, say, and putting them on a register. The idea is to improve efficiency and productivity by giving managers more flexibility to improvise, rather than by throwing more bodies at the problem. Which is a pretty profound departure from the stopwatch-driven, one-size-fits-all approach that corporate America has long applied to the factory floor.

What's most interesting about Siren Craft, though, is what it isn't . It's not a widgetized assembly line that doubles down on barista performance metrics. It doesn't force every customer to order via the app, or make hand-wavey gestures at AI or some other flashy approach to efficiency and productivity. That kind of thinking is what got the company into so much trouble in the first place — poring over spreadsheets rather than improving coffee pour-overs. Starbucks was always commodified, but it went so far in that direction that it started breaking the brand. From Boeing to Google to Wells Fargo , metrics-driven pushes for efficiency and productivity always jeopardize the quality of the product, alienate employees, and drive away loyal customers.

In a work-from-home world, it's hard to imagine Starbucks ever having the cachet and daily urgency it once did. Fewer people are looking for a warm drink on the way to the office or a post-lunch pick-me-up — and given rising prices, not many of us have the extra $5 to burn. But it's not impossible for the company to bounce back. A visit to a Starbucks could still be a semi-regular treat, if people can feel assured that their quick pop-in for a hot cup of joe won't turn into 25 minutes of queuing behind a bunch of kids eager for a frothy cold sugar blast.

Eisen knows the Siren Call System won't employ more baristas, as the union would like. But she's hopeful that it represents a step in the right direction. Long lines, after all, don't just frustrate customers. They also prevent employees from serving up coffee with a more human touch.

"There used to be an element of fun to being a Starbucks barista," Eisen says. "It was amazing to have the time to talk to customers and sample new products with them, and get to know what their tastes were. Anything we can do to bring that third-place atmosphere back into the stores would be nice to see."

Adam Rogers is a senior correspondent at Business Insider.

About Discourse Stories

Through our Discourse journalism, Business Insider seeks to explore and illuminate the day’s most fascinating issues and ideas. Our writers provide thought-provoking perspectives, informed by analysis, reporting, and expertise. Read more Discourse stories here .

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• Farm shops Leads in Moscow Oblast
• Boutiques Leads in Moscow Oblast
• Florists Leads in Moscow Oblast
• Craft stores Leads in Moscow Oblast
• Garden centers Leads in Moscow Oblast
• Countertop stores Leads in Moscow Oblast
• Art galleries Leads in Moscow Oblast
• Shoe stores Leads in Moscow Oblast
• Chinese supermarkets Leads in Moscow Oblast
• Sports nutrition stores Leads in Moscow Oblast
• Yarn stores Leads in Moscow Oblast
• Outlet stores Leads in Moscow Oblast
• Candle stores Leads in Moscow Oblast
• Landscaping supply stores Leads in Moscow Oblast
• Swimming schools Leads in Moscow Oblast
• Pathologists Leads in Moscow Oblast
• Churches Leads in Moscow Oblast
• Cable companies Leads in Moscow Oblast
• Jewelers Leads in Moscow Oblast
• Jewelry designers Leads in Moscow Oblast
• Jewellery manufacturers Leads in Moscow Oblast
• Jewelry buyers Leads in Moscow Oblast
• Watch repair services Leads in Moscow Oblast
• Wholesale jewelers Leads in Moscow Oblast
• Agricultural Seed Stores Leads in Moscow Oblast
• Electronics manufacturers Leads in Moscow Oblast
• Companies Leads in Moscow Oblast
• Laboratory equipment suppliers Leads in Moscow Oblast
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• Metal fabricators Leads in Moscow Oblast
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• Halal restaurants Leads in Moscow Oblast
• Greek restaurants Leads in Moscow Oblast
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• Golf clubs Leads in Moscow Oblast
• Lodges Leads in Moscow Oblast
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• Asphalt contractors Leads in Moscow Oblast
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• Landscape architects Leads in Moscow Oblast
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• Clubs Leads in Moscow Oblast
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• Schools Leads in Moscow Oblast
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• Primary schools Leads in Moscow Oblast
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• Music schools Leads in Moscow Oblast
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• Employment centers Leads in Moscow Oblast
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• Educational institutions Leads in Moscow Oblast
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• Group homes Leads in Moscow Oblast
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• Car security system installers Leads in Moscow Oblast
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• Electric Consultants Leads in Moscow Oblast
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• Key Duplication Shops Leads in Moscow Oblast
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• Suzuki dealers Leads in Moscow Oblast
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• Lounges Leads in Moscow Oblast
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• Digital printers Leads in Moscow Oblast
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• Web hosting companies Leads in Moscow Oblast
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• Aircraft Manufacturers Leads in Moscow Oblast
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• American restaurants Leads in Moscow Oblast
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• Laser hair removal services Leads in Moscow Oblast
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• Accounting schools Leads in Moscow Oblast
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• Vegan restaurants Leads in Moscow Oblast
• Gourmet grocery stores Leads in Moscow Oblast
• Vegetarian restaurants Leads in Moscow Oblast
• Pastry shops Leads in Moscow Oblast
• Dumpling restaurants Leads in Moscow Oblast
• Wok restaurants Leads in Moscow Oblast
• Skateboard shops Leads in Moscow Oblast
• Upholstery cleaning services Leads in Moscow Oblast
• Commercial cleaning services Leads in Moscow Oblast
• Air duct cleaning services Leads in Moscow Oblast
• Curtain and upholstery cleaning services Leads in Moscow Oblast
• Pool cleaning services Leads in Moscow Oblast
• Gutter cleaning services Leads in Moscow Oblast
• Water damage restoration services Leads in Moscow Oblast
• Laundries Leads in Moscow Oblast
• Gardeners Leads in Moscow Oblast
• Laundry services Leads in Moscow Oblast
• Agricultural services Leads in Moscow Oblast
• Tile contractors Leads in Moscow Oblast
• Laundromats Leads in Moscow Oblast
• Floor refinishing services Leads in Moscow Oblast
• Deck builders Leads in Moscow Oblast
• Call centers Leads in Moscow Oblast
• Nursery schools Leads in Moscow Oblast
• Money transfer services Leads in Moscow Oblast
• Ski shops Leads in Moscow Oblast
• Container suppliers Leads in Moscow Oblast
• Photography services Leads in Moscow Oblast
• Bedroom furniture stores Leads in Moscow Oblast
• Racing car parts stores Leads in Moscow Oblast
• Airline ticket agencies Leads in Moscow Oblast
• Architecture firms Leads in Moscow Oblast
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• Shopfitters Leads in Moscow Oblast
• Glaziers Leads in Moscow Oblast
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• Window installation services Leads in Moscow Oblast
• Screen stores Leads in Moscow Oblast
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• Screen repair services Leads in Moscow Oblast
• Awning suppliers Leads in Moscow Oblast
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• Door warehouses Leads in Moscow Oblast
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• Marinas Leads in Moscow Oblast
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• Waterproofing companies Leads in Moscow Oblast
• Glass manufacturers Leads in Moscow Oblast
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• Carpenters Leads in Moscow Oblast
• Hot water system suppliers Leads in Moscow Oblast
• Home theater stores Leads in Moscow Oblast
• Lawyers associations Leads in Moscow Oblast
• Electrical equipment suppliers Leads in Moscow Oblast
• Wedding planners Leads in Moscow Oblast
• Auditors Leads in Moscow Oblast
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• Toner cartridge suppliers Leads in Moscow Oblast
• Notary publics Leads in Moscow Oblast
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• Civil engineering companies Leads in Moscow Oblast
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• Bathroom remodelers Leads in Moscow Oblast
• Telecommunications equipment suppliers Leads in Moscow Oblast
• Mobile phone repair shops Leads in Moscow Oblast
• Telephone Marketing Agencies Leads in Moscow Oblast
• Phone repair services Leads in Moscow Oblast
• County courts Leads in Moscow Oblast
• Model design companies Leads in Moscow Oblast
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• Drafting Service Centers Leads in Moscow Oblast
• Musical clubs Leads in Moscow Oblast
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• Swim clubs Leads in Moscow Oblast
• Aeroclubs Leads in Moscow Oblast
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• Hearing aid stores Leads in Moscow Oblast
• Fraternal organizations Leads in Moscow Oblast
• Tennis instructors Leads in Moscow Oblast
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• Sports activity locations Leads in Moscow Oblast
• Eye care centers Leads in Moscow Oblast
• Nail salons Leads in Moscow Oblast
• Archery ranges Leads in Moscow Oblast
• Soccer practices Leads in Moscow Oblast
• Adult entertainment clubs Leads in Moscow Oblast
• Indoor lodgings Leads in Moscow Oblast
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• Kitchen furniture stores Leads in Moscow Oblast
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• Cabinet makers Leads in Moscow Oblast
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• Medical technology manufacturers Leads in Moscow Oblast
• Professional services Leads in Moscow Oblast
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• Used appliance stores Leads in Moscow Oblast
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• Store equipment suppliers Leads in Moscow Oblast
• Special education schools Leads in Moscow Oblast
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• Senior citizen centers Leads in Moscow Oblast
• Veterinarians Leads in Moscow Oblast
• Christian churches Leads in Moscow Oblast
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• Senior high schools Leads in Moscow Oblast
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• Massage therapists Leads in Moscow Oblast
• Road Contractors Leads in Moscow Oblast
• Plasterers Leads in Moscow Oblast
• Structural engineers Leads in Moscow Oblast
• Ready mix concrete suppliers Leads in Moscow Oblast
• Utility contractors Leads in Moscow Oblast
• Photographies Leads in Moscow Oblast
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• Double glazing installers Leads in Moscow Oblast
• Drainage services Leads in Moscow Oblast
• Architectural designers Leads in Moscow Oblast
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• 3D printing services Leads in Moscow Oblast
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• Sticker Manufacturers Leads in Moscow Oblast
• Invitation printing services Leads in Moscow Oblast
• Embroidery shops Leads in Moscow Oblast
• Printing equipment and supplies Leads in Moscow Oblast
• Embroidery services Leads in Moscow Oblast
• Wedding photographers Leads in Moscow Oblast
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• Locks Suppliers Leads in Moscow Oblast
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• Hot dog restaurants Leads in Moscow Oblast
• Army facilities Leads in Moscow Oblast
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• High ropes courses Leads in Moscow Oblast
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• Cabinet stores Leads in Moscow Oblast
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• Monument makers Leads in Moscow Oblast
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• Alternative medicine practitioners Leads in Moscow Oblast
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• Air compressor suppliers Leads in Moscow Oblast
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• Gated communities Leads in Moscow Oblast
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• Clock repair services Leads in Moscow Oblast
• Indian takeaways Leads in Moscow Oblast
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• Charter schools Leads in Moscow Oblast
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• Food producers Leads in Moscow Oblast
• Organic food stores Leads in Moscow Oblast
• Occupational therapists Leads in Moscow Oblast
• Child psychologists Leads in Moscow Oblast
• Family counselors Leads in Moscow Oblast
• Title companies Leads in Moscow Oblast
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• Fertilizer Stores Leads in Moscow Oblast
• Lakes Leads in Moscow Oblast
• Waters Leads in Moscow Oblast
• Reservoirs Leads in Moscow Oblast
• Nature preserves Leads in Moscow Oblast
• Rivers Leads in Moscow Oblast
• Mountain peaks Leads in Moscow Oblast
• Pie shops Leads in Moscow Oblast
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• Cupcake shops Leads in Moscow Oblast
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• Fruit and vegetable wholesalers Leads in Moscow Oblast
• Badminton clubs Leads in Moscow Oblast
• Art museums Leads in Moscow Oblast
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• Animal rescue services Leads in Moscow Oblast
• Animal hospitals Leads in Moscow Oblast
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• Pet cares Leads in Moscow Oblast
• Rescue squads Leads in Moscow Oblast
• Real estate attorneys Leads in Moscow Oblast
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• Metal suppliers Leads in Moscow Oblast
• Dental implants periodontists Leads in Moscow Oblast
• X-ray labs Leads in Moscow Oblast
• Pain control clinics Leads in Moscow Oblast
• Endodontists Leads in Moscow Oblast
• Shop supermarket furniture stores Leads in Moscow Oblast
• Animal control services Leads in Moscow Oblast
• Boarding schools Leads in Moscow Oblast
• Piano repair services Leads in Moscow Oblast
• Piano stores Leads in Moscow Oblast
• Live music bars Leads in Moscow Oblast
• Sofa stores Leads in Moscow Oblast
• Mobile hairdressers Leads in Moscow Oblast
• Adult entertainment stores Leads in Moscow Oblast
• Refrigerator stores Leads in Moscow Oblast
• Medical spas Leads in Moscow Oblast
• Tanning salons Leads in Moscow Oblast
• Health spas Leads in Moscow Oblast
• Thai massage therapists Leads in Moscow Oblast
• Massage spas Leads in Moscow Oblast
• Facial spas Leads in Moscow Oblast
• Spa and health clubs Leads in Moscow Oblast
• Podiatrists Leads in Moscow Oblast
• Kinesiologists Leads in Moscow Oblast
• Pentecostal churches Leads in Moscow Oblast
• Food courts Leads in Moscow Oblast
• Home help service agencies Leads in Moscow Oblast
• Wineries Leads in Moscow Oblast
• Clothings Leads in Moscow Oblast
• Internet cafes Leads in Moscow Oblast
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• T-shirt stores Leads in Moscow Oblast
• Fabric product manufacturers Leads in Moscow Oblast
• Wallpaper stores Leads in Moscow Oblast
• Knit shops Leads in Moscow Oblast
• Hunting and fishing stores Leads in Moscow Oblast
• Metallurgy companies Leads in Moscow Oblast
• Food manufacturing supplies Leads in Moscow Oblast
• Agricultural productions Leads in Moscow Oblast
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• Furnace repair services Leads in Moscow Oblast
• Lighting contractors Leads in Moscow Oblast
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• Steel framework contractors Leads in Moscow Oblast
• Battery Manufacturers Leads in Moscow Oblast
• Beauty Products Wholesalers Leads in Moscow Oblast
• Military bases Leads in Moscow Oblast
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• Department of Social Services Leads in Moscow Oblast
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• Logistics Leads in Moscow Oblast
• Eyelash salons Leads in Moscow Oblast
• Cosmetic Products Manufacturers Leads in Moscow Oblast
• Heating oil suppliers Leads in Moscow Oblast
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• Cooking schools Leads in Moscow Oblast
• After school programs Leads in Moscow Oblast
• Racecourses Leads in Moscow Oblast
• Tyre manufacturers Leads in Moscow Oblast
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• Occupational medical physicians Leads in Moscow Oblast
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• Real estate appraisers Leads in Moscow Oblast
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• Electrical substations Leads in Moscow Oblast
• Auto wreckers Leads in Moscow Oblast
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• First aid stations Leads in Moscow Oblast
• Construction machine dealers Leads in Moscow Oblast
• Tattoo artists Leads in Moscow Oblast
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• Temp agencies Leads in Moscow Oblast
• Transmission shops Leads in Moscow Oblast
• Drilling equipment suppliers Leads in Moscow Oblast
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• Alcoholic beverage wholesalers Leads in Moscow Oblast
• Diesel engine repair services Leads in Moscow Oblast
• Commercial refrigerator suppliers Leads in Moscow Oblast
• Department of motor vehicles Leads in Moscow Oblast
• Motor vehicle dealers Leads in Moscow Oblast
• Self defense schools Leads in Moscow Oblast
• Indoor cyclings Leads in Moscow Oblast
• Figurine shops Leads in Moscow Oblast
• Curtain supplier and makers Leads in Moscow Oblast
• Fireplace manufacturers Leads in Moscow Oblast
• Public safety offices Leads in Moscow Oblast
• Food and drinks Leads in Moscow Oblast
• Gas engineers Leads in Moscow Oblast
• Gas cylinders suppliers Leads in Moscow Oblast
• Car inspection stations Leads in Moscow Oblast
• Boiler suppliers Leads in Moscow Oblast
• Portable building manufacturers Leads in Moscow Oblast
• Debris removal services Leads in Moscow Oblast
• Wedding services Leads in Moscow Oblast
• Russian restaurants Leads in Moscow Oblast
• Swimming basins Leads in Moscow Oblast
• Recreations Leads in Moscow Oblast
• Public works departments Leads in Moscow Oblast
• Ecological parks Leads in Moscow Oblast
• Concert halls Leads in Moscow Oblast
• Auditoriums Leads in Moscow Oblast
• Arenas Leads in Moscow Oblast
• Chinese tea houses Leads in Moscow Oblast
• Distilleries Leads in Moscow Oblast
• Religious institutions Leads in Moscow Oblast
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• Religious destinations Leads in Moscow Oblast
• Evangelical churches Leads in Moscow Oblast
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• Chapels Leads in Moscow Oblast
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• Thermal Energy Companies Leads in Moscow Oblast
• Housing utility companies Leads in Moscow Oblast
• Electric motor repair shops Leads in Moscow Oblast
• Information services Leads in Moscow Oblast
• Poster stores Leads in Moscow Oblast
• Media Consultants Leads in Moscow Oblast
• Urologists Leads in Moscow Oblast
• Urology clinics Leads in Moscow Oblast
• Internists Leads in Moscow Oblast
• Oncologists Leads in Moscow Oblast
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• Elevator Manufacturers Leads in Moscow Oblast
• Ranches Leads in Moscow Oblast
• Adventure sports Leads in Moscow Oblast
• Fairgrounds Leads in Moscow Oblast
• Dairy farms Leads in Moscow Oblast
• Miniatures stores Leads in Moscow Oblast
• CD stores Leads in Moscow Oblast
• Meat packers Leads in Moscow Oblast
• Charcuteries Leads in Moscow Oblast
• Comic book stores Leads in Moscow Oblast
• Barrel suppliers Leads in Moscow Oblast
• Public beaches Leads in Moscow Oblast
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• Municipal administration offices Leads in Moscow Oblast
• Portable toilet suppliers Leads in Moscow Oblast
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• Small appliance repair services Leads in Moscow Oblast
• Appliances customer services Leads in Moscow Oblast
• Wheel stores Leads in Moscow Oblast
• Disability equipment suppliers Leads in Moscow Oblast
• Islands Leads in Moscow Oblast
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• Herb shops Leads in Moscow Oblast
• Energy suppliers Leads in Moscow Oblast
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• Opticians Leads in Moscow Oblast
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• Wholesale grocers Leads in Moscow Oblast
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• Envelope suppliers Leads in Moscow Oblast
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• Curtain stores Leads in Moscow Oblast
• PVC windows suppliers Leads in Moscow Oblast
• Veterinary cares Leads in Moscow Oblast
• Catteries Leads in Moscow Oblast
• Emergency veterinarian services Leads in Moscow Oblast
• Pet funeral services Leads in Moscow Oblast
• Pet care services Leads in Moscow Oblast
• Glass cutting services Leads in Moscow Oblast
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• Protective clothing suppliers Leads in Moscow Oblast
• Metal machinery suppliers Leads in Moscow Oblast
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• Business administration services Leads in Moscow Oblast
• Rest stops Leads in Moscow Oblast
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• Public medical centers Leads in Moscow Oblast
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• Rheumatologists Leads in Moscow Oblast
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• Pediatricians Leads in Moscow Oblast
• Bus depots Leads in Moscow Oblast
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• Massage supply stores Leads in Moscow Oblast
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• Honey farms Leads in Moscow Oblast
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• Computer Networking Centers Leads in Moscow Oblast
• Fruit and vegetable processings Leads in Moscow Oblast
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• Gift basket stores Leads in Moscow Oblast
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• Science museums Leads in Moscow Oblast
• Pine furniture shops Leads in Moscow Oblast
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• Salvage dealers Leads in Moscow Oblast
• Neurologists Leads in Moscow Oblast
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• Camera repair shops Leads in Moscow Oblast
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• Video camera repair services Leads in Moscow Oblast
• Portrait studios Leads in Moscow Oblast
• Polymer Suppliers Leads in Moscow Oblast
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• Hookah bars Leads in Moscow Oblast
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• Japanese grocery stores Leads in Moscow Oblast
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• Granite suppliers Leads in Moscow Oblast
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• Moving supply stores Leads in Moscow Oblast
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• Iron works Leads in Moscow Oblast
• Credit counseling services Leads in Moscow Oblast
• Historical place museums Leads in Moscow Oblast
• Castles Leads in Moscow Oblast
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• Ruins Leads in Moscow Oblast
• Historical places Leads in Moscow Oblast
• Photocopiers suppliers Leads in Moscow Oblast
• Office supply wholesalers Leads in Moscow Oblast
• Map stores Leads in Moscow Oblast
• Event ticket sellers Leads in Moscow Oblast
• Salvage yards Leads in Moscow Oblast
• Mapping services Leads in Moscow Oblast
• Department of housing Leads in Moscow Oblast
• Housing authorities Leads in Moscow Oblast
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• Electronics Accessories Wholesalers Leads in Moscow Oblast
• Eastern Orthodox Churches Leads in Moscow Oblast
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• Protestant churches Leads in Moscow Oblast
• Monasteries Leads in Moscow Oblast
• Parishes Leads in Moscow Oblast
• Hawaiian restaurants Leads in Moscow Oblast
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• Organic restaurants Leads in Moscow Oblast
• Short term apartment rental agencies Leads in Moscow Oblast
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• Airstrips Leads in Moscow Oblast
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• Oral surgeons Leads in Moscow Oblast
• Rubber stamp stores Leads in Moscow Oblast
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• Piano bars Leads in Moscow Oblast
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• Bar tabacs Leads in Moscow Oblast
• Auto Dent Removal Service Stations Leads in Moscow Oblast
• Metal working shops Leads in Moscow Oblast
• Dog breeders Leads in Moscow Oblast
• Veterans hospitals Leads in Moscow Oblast
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• ENT Specialists Leads in Moscow Oblast
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• Modeling schools Leads in Moscow Oblast
• Grammar schools Leads in Moscow Oblast
• Community schools Leads in Moscow Oblast
• Housing complexes Leads in Moscow Oblast
• Air conditioning stores Leads in Moscow Oblast
• Residents associations Leads in Moscow Oblast
• Outlet malls Leads in Moscow Oblast
• Baking supply stores Leads in Moscow Oblast
• Oil and gas exploration services Leads in Moscow Oblast
• Drilling contractors Leads in Moscow Oblast
• Diesel engine dealers Leads in Moscow Oblast
• Weighing Scale Suppliers Leads in Moscow Oblast
• Water purification companies Leads in Moscow Oblast
• Cooler Suppliers Leads in Moscow Oblast
• Sewage disposal services Leads in Moscow Oblast
• Nut stores Leads in Moscow Oblast
• Furniture accessories suppliers Leads in Moscow Oblast
• Governments Leads in Moscow Oblast
• Convents Leads in Moscow Oblast
• Soccer fields Leads in Moscow Oblast
• Play Schools Leads in Moscow Oblast
• Mobile network operators Leads in Moscow Oblast
• Health resorts Leads in Moscow Oblast
• Alternative fuel stations Leads in Moscow Oblast
• Tax departments Leads in Moscow Oblast
• City tax offices Leads in Moscow Oblast
• Foot cares Leads in Moscow Oblast
• Oral and maxillofacial surgeons Leads in Moscow Oblast
• Photography studios Leads in Moscow Oblast
• Ice suppliers Leads in Moscow Oblast
• Dry ice suppliers Leads in Moscow Oblast
• Air compressor repair services Leads in Moscow Oblast
• Exhibits Leads in Moscow Oblast
• Photo booths Leads in Moscow Oblast
• Stables Leads in Moscow Oblast
• Boat ramps Leads in Moscow Oblast
• Housing societies Leads in Moscow Oblast
• Quarries Leads in Moscow Oblast
• Shelters Leads in Moscow Oblast
• Trailer manufacturers Leads in Moscow Oblast
• Alcoholism treatment programs Leads in Moscow Oblast
• Vehicle inspections Leads in Moscow Oblast
• Bicycle repair shops Leads in Moscow Oblast
• Woods Leads in Moscow Oblast
• Organic farms Leads in Moscow Oblast
• Funeral homes Leads in Moscow Oblast
• Home insurance agencies Leads in Moscow Oblast
• Commercial agents Leads in Moscow Oblast
• Scooter repair shops Leads in Moscow Oblast
• Two Wheeler Repair Shops Leads in Moscow Oblast
• Motor scooter dealers Leads in Moscow Oblast
• Building societies Leads in Moscow Oblast
• Bank or ATMs Leads in Moscow Oblast
• Solar hot water system suppliers Leads in Moscow Oblast
• Hydroelectric power plants Leads in Moscow Oblast
• Sandblasting services Leads in Moscow Oblast
• Pneumatic tools suppliers Leads in Moscow Oblast
• Movie studios Leads in Moscow Oblast
• Video editing services Leads in Moscow Oblast
• Bus ticket agencies Leads in Moscow Oblast
• Used tire shops Leads in Moscow Oblast
• Motorcycle driving schools Leads in Moscow Oblast
• Forklift rental services Leads in Moscow Oblast
• Agricultural organizations Leads in Moscow Oblast
• Livestock producers Leads in Moscow Oblast
• Olive oil manufacturers Leads in Moscow Oblast
• Sheriff's departments Leads in Moscow Oblast
• Diaper services Leads in Moscow Oblast
• Youth clothing stores Leads in Moscow Oblast
• Pregnancy care centers Leads in Moscow Oblast
• Childrens Stores Leads in Moscow Oblast
• Sewing companies Leads in Moscow Oblast
• Western apparel stores Leads in Moscow Oblast
• Skate shops Leads in Moscow Oblast
• Drum stores Leads in Moscow Oblast
• Institute of technology Leads in Moscow Oblast
• Technical universities Leads in Moscow Oblast
• English language instructors Leads in Moscow Oblast
• Foot massage parlors Leads in Moscow Oblast
• Saunas Leads in Moscow Oblast
• Ophthalmology clinics Leads in Moscow Oblast
• Cheese manufacturers Leads in Moscow Oblast
• Dairy stores Leads in Moscow Oblast
• Small engine repair services Leads in Moscow Oblast
• Machine maintenances Leads in Moscow Oblast
• Municipal Corporations Leads in Moscow Oblast
• Boat clubs Leads in Moscow Oblast
• Repairs Leads in Moscow Oblast
• Surgical Products Wholesalers Leads in Moscow Oblast
• Oil Wholesalers Leads in Moscow Oblast
• Hair extensions suppliers Leads in Moscow Oblast
• Egg suppliers Leads in Moscow Oblast
• Turf suppliers Leads in Moscow Oblast
• Dairies Leads in Moscow Oblast
• Printer repair services Leads in Moscow Oblast
• Real estates Leads in Moscow Oblast
• Tool repair shops Leads in Moscow Oblast
• Tractor repair shops Leads in Moscow Oblast
• Sharpening services Leads in Moscow Oblast
• Garden machinery suppliers Leads in Moscow Oblast
• Water ski shops Leads in Moscow Oblast
• Carpet Manufacturers Leads in Moscow Oblast
• Petroleum Products Companies Leads in Moscow Oblast
• Video equipment repair services Leads in Moscow Oblast
• Art restoration services Leads in Moscow Oblast
• Tuxedo shops Leads in Moscow Oblast
• Corporate entertainment services Leads in Moscow Oblast
• Powder coating services Leads in Moscow Oblast
• Cosmetics wholesalers Leads in Moscow Oblast
• Make-up artists Leads in Moscow Oblast
• Contact lenses suppliers Leads in Moscow Oblast
• Lunch restaurants Leads in Moscow Oblast
• English restaurants Leads in Moscow Oblast
• Tree farms Leads in Moscow Oblast
• Promenades Leads in Moscow Oblast
• Equestrian facilities Leads in Moscow Oblast
• Bowling clubs Leads in Moscow Oblast
• Beer gardens Leads in Moscow Oblast
• Gift wrap stores Leads in Moscow Oblast
• Custom label printers Leads in Moscow Oblast
• Clothing suppliers Leads in Moscow Oblast
• Electronics Leads in Moscow Oblast
• Horse trainers Leads in Moscow Oblast
• Company registries Leads in Moscow Oblast
• Baseball fields Leads in Moscow Oblast
• Boiler Manufacturers Leads in Moscow Oblast
• Welding gas suppliers Leads in Moscow Oblast
• Haberdasheries Leads in Moscow Oblast
• Head start centers Leads in Moscow Oblast
• Frozen yogurt shops Leads in Moscow Oblast
• Machine knife suppliers Leads in Moscow Oblast
• Air filter suppliers Leads in Moscow Oblast
• Driveshaft shops Leads in Moscow Oblast
• Toy and game manufacturers Leads in Moscow Oblast
• Rare book stores Leads in Moscow Oblast
• Parapharmacies Leads in Moscow Oblast
• Antique furniture restoration services Leads in Moscow Oblast
• Tropical fish stores Leads in Moscow Oblast
• Drinking water fountains Leads in Moscow Oblast
• Shelving stores Leads in Moscow Oblast
• Cement Suppliers Leads in Moscow Oblast
• Dry wall supply stores Leads in Moscow Oblast
• City administrations Leads in Moscow Oblast
• Optical Products Manufacturers Leads in Moscow Oblast
• Cold cut stores Leads in Moscow Oblast
• Bagel shops Leads in Moscow Oblast
• Model shops Leads in Moscow Oblast
• Cafeterias Leads in Moscow Oblast
• ATV dealers Leads in Moscow Oblast
• Radiator shops Leads in Moscow Oblast
• Auto bodywork mechanics Leads in Moscow Oblast
• Masonry supply stores Leads in Moscow Oblast
• Tobacco suppliers Leads in Moscow Oblast
• Small plates restaurants Leads in Moscow Oblast
• Pond fish suppliers Leads in Moscow Oblast
• Oyster suppliers Leads in Moscow Oblast
• Forestry services Leads in Moscow Oblast
• Aggregate suppliers Leads in Moscow Oblast
• Traditional restaurants Leads in Moscow Oblast
• Outboard motor stores Leads in Moscow Oblast
• Athletic fields Leads in Moscow Oblast
• Perfume stores Leads in Moscow Oblast
• Alternative medicines Leads in Moscow Oblast
• Farm Equipment Repair Shops Leads in Moscow Oblast
• Public services Leads in Moscow Oblast
• Hunting areas Leads in Moscow Oblast
• Trailer repair shops Leads in Moscow Oblast
• Faculty of sports Leads in Moscow Oblast
• French language schools Leads in Moscow Oblast
• Kickboxing schools Leads in Moscow Oblast
• Childrens clubs Leads in Moscow Oblast
• Ski resorts Leads in Moscow Oblast
• Sheltered housings Leads in Moscow Oblast
• Horse boarding stables Leads in Moscow Oblast
• Driving test centres Leads in Moscow Oblast
• Regional councils Leads in Moscow Oblast
• Garden building suppliers Leads in Moscow Oblast
• Auto tune up services Leads in Moscow Oblast
• Water Pump Suppliers Leads in Moscow Oblast
• Retaining wall suppliers Leads in Moscow Oblast
• Water Tank Cleaners Leads in Moscow Oblast
• Allergists Leads in Moscow Oblast
• Cookie shops Leads in Moscow Oblast
• Leather coats stores Leads in Moscow Oblast
• Seat dealers Leads in Moscow Oblast
• Wedding stores Leads in Moscow Oblast
• Children's Book Stores Leads in Moscow Oblast
• Used bicycle shops Leads in Moscow Oblast
• Dinner theaters Leads in Moscow Oblast
• FMCG Manufacturers Leads in Moscow Oblast
• Textile mills Leads in Moscow Oblast
• Stone cutters Leads in Moscow Oblast
• Flower deliveries Leads in Moscow Oblast
• Boot stores Leads in Moscow Oblast
• Social workers Leads in Moscow Oblast
• Rice restaurants Leads in Moscow Oblast
• Brasseries Leads in Moscow Oblast
• Smart shops Leads in Moscow Oblast
• Cigar shops Leads in Moscow Oblast
• Engravers Leads in Moscow Oblast
• Painting Class Leads in Moscow Oblast
• Balloon stores Leads in Moscow Oblast
• Handbags shops Leads in Moscow Oblast
• Economic Consultants Leads in Moscow Oblast
• Church supply stores Leads in Moscow Oblast
• Orchards Leads in Moscow Oblast
• Tailors Leads in Moscow Oblast
• Consumer advice centers Leads in Moscow Oblast
• Jewelry appraisers Leads in Moscow Oblast
• Industrial door suppliers Leads in Moscow Oblast
• Office Accessories Wholesalers Leads in Moscow Oblast
• Home helps Leads in Moscow Oblast
• Veterinary pharmacies Leads in Moscow Oblast
• Engineering schools Leads in Moscow Oblast
• Fisheries Leads in Moscow Oblast
• Snowboard shops Leads in Moscow Oblast
• Tack shops Leads in Moscow Oblast
• Table tennis supply stores Leads in Moscow Oblast
• Maternity Centres Leads in Moscow Oblast
• Endoscopists Leads in Moscow Oblast
• Hematologists Leads in Moscow Oblast
• Reproductive health clinics Leads in Moscow Oblast
• Diabetes centers Leads in Moscow Oblast
• Periodontists Leads in Moscow Oblast
• Acupuncturists Leads in Moscow Oblast
• Paintball centers Leads in Moscow Oblast
• Adventure Sports Centers Leads in Moscow Oblast
• Dance halls Leads in Moscow Oblast
• Cosmetic surgeons Leads in Moscow Oblast
• Ceiling suppliers Leads in Moscow Oblast
• Carpet wholesalers Leads in Moscow Oblast
• Motor scooter repair shops Leads in Moscow Oblast
• Insulation materials stores Leads in Moscow Oblast
• Underwear stores Leads in Moscow Oblast
• Auto spring shops Leads in Moscow Oblast
• Social welfare centers Leads in Moscow Oblast
• Bankruptcy attorneys Leads in Moscow Oblast
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• Trial attorneys Leads in Moscow Oblast
• Country food restaurants Leads in Moscow Oblast
• Dim sum restaurants Leads in Moscow Oblast
• Fusion restaurants Leads in Moscow Oblast
• Specialized hospitals Leads in Moscow Oblast
• Bird shops Leads in Moscow Oblast
• Milk delivery services Leads in Moscow Oblast
• Construction and maintenance offices Leads in Moscow Oblast
• Federal courthouses Leads in Moscow Oblast
• Wheel alignment services Leads in Moscow Oblast
• Western restaurants Leads in Moscow Oblast
• Stores and shoppings Leads in Moscow Oblast
• Clothes and fabric manufacturers Leads in Moscow Oblast
• Customs offices Leads in Moscow Oblast
• Electrolysis hair removal services Leads in Moscow Oblast
• District courts Leads in Moscow Oblast
• Blood testing services Leads in Moscow Oblast
• Regional airports Leads in Moscow Oblast
• Emergency care services Leads in Moscow Oblast
• Knife stores Leads in Moscow Oblast
• Pilgrimage places Leads in Moscow Oblast
• Railroad companies Leads in Moscow Oblast
• Incense suppliers Leads in Moscow Oblast
• Emergency care physicians Leads in Moscow Oblast
• Telecommunications engineers Leads in Moscow Oblast
• Hunting stores Leads in Moscow Oblast
• Photography Institutes Leads in Moscow Oblast
• Ear piercing services Leads in Moscow Oblast
• Rock shops Leads in Moscow Oblast
• ATV repair shops Leads in Moscow Oblast
• Tuning automobiles Leads in Moscow Oblast
• Athletic parks Leads in Moscow Oblast
• Metal Polishers Leads in Moscow Oblast
• Hypermarkets Leads in Moscow Oblast
• Photo agencies Leads in Moscow Oblast
• Used CD stores Leads in Moscow Oblast
• Bicycle racks Leads in Moscow Oblast
• Gospel churches Leads in Moscow Oblast
• District councils Leads in Moscow Oblast
• Theatrical costume suppliers Leads in Moscow Oblast
• BBQ areas Leads in Moscow Oblast
• Mines Leads in Moscow Oblast
• Meat dish restaurants Leads in Moscow Oblast
• Blacksmiths Leads in Moscow Oblast
• Gas installation services Leads in Moscow Oblast
• Amusement machine suppliers Leads in Moscow Oblast
• Scale repair services Leads in Moscow Oblast
• Mechanical plants Leads in Moscow Oblast
• Wood and laminate flooring suppliers Leads in Moscow Oblast
• Stylists Leads in Moscow Oblast
• Drama theaters Leads in Moscow Oblast
• Moped dealers Leads in Moscow Oblast
• Wheelchair repair services Leads in Moscow Oblast
• Wholesaler household appliances Leads in Moscow Oblast
• Electrical appliance wholesalers Leads in Moscow Oblast
• Ham shops Leads in Moscow Oblast
• Kung fu schools Leads in Moscow Oblast
• Mobile home supply stores Leads in Moscow Oblast
• Fireworks stores Leads in Moscow Oblast
• Lamination services Leads in Moscow Oblast
• Spring suppliers Leads in Moscow Oblast
• Household goods wholesalers Leads in Moscow Oblast
• Shoe factories Leads in Moscow Oblast
• Formal Clothing Stores Leads in Moscow Oblast
• Gas logs suppliers Leads in Moscow Oblast
• Pumpkin patches Leads in Moscow Oblast
• Clothes and fabric wholesalers Leads in Moscow Oblast
• Coal Suppliers Leads in Moscow Oblast
• Technology parks Leads in Moscow Oblast
• Junk dealers Leads in Moscow Oblast
• Wig shops Leads in Moscow Oblast
• PVC industries Leads in Moscow Oblast
• Services Leads in Moscow Oblast
• Toy manufacturers Leads in Moscow Oblast
• Pottery manufacturers Leads in Moscow Oblast
• Winemaking supply stores Leads in Moscow Oblast
• Bird watching areas Leads in Moscow Oblast
• Swimmings Leads in Moscow Oblast
• Regional government offices Leads in Moscow Oblast
• Off roading areas Leads in Moscow Oblast
• Sunroom contractors Leads in Moscow Oblast
• Frozen food manufacturers Leads in Moscow Oblast
• Pasta shops Leads in Moscow Oblast
• Lawn irrigation equipment suppliers Leads in Moscow Oblast
• Gynecologists Leads in Moscow Oblast
• Gun clubs Leads in Moscow Oblast
• Fruit wholesalers Leads in Moscow Oblast
• Children's museums Leads in Moscow Oblast
• Architectural salvage stores Leads in Moscow Oblast
• Balloon artists Leads in Moscow Oblast
• Filtration plants Leads in Moscow Oblast
• Land registry offices Leads in Moscow Oblast
• Tile manufacturers Leads in Moscow Oblast
• Office equipment repair services Leads in Moscow Oblast
• Sculptors Leads in Moscow Oblast
• Registration offices Leads in Moscow Oblast
• Veterans centers Leads in Moscow Oblast
• Computers Leads in Moscow Oblast
• Ice skating rinks Leads in Moscow Oblast
• Gazebo builders Leads in Moscow Oblast
• Pet trainers Leads in Moscow Oblast
• Emergency training schools Leads in Moscow Oblast
• Table tennis clubs Leads in Moscow Oblast
• Painting studios Leads in Moscow Oblast
• Feed manufacturers Leads in Moscow Oblast
• IMAX theaters Leads in Moscow Oblast
• Bicycle clubs Leads in Moscow Oblast
• Fire department equipment suppliers Leads in Moscow Oblast
• Construction machine rental services Leads in Moscow Oblast
• Ski rental services Leads in Moscow Oblast
• Dart bars Leads in Moscow Oblast
• Outdoor movie theaters Leads in Moscow Oblast
• Foundries Leads in Moscow Oblast
• Prosthetics Leads in Moscow Oblast
• Statuaries Leads in Moscow Oblast
• Villas Leads in Moscow Oblast
• Photo Restoration Shops Leads in Moscow Oblast
• Car Manufacturers Leads in Moscow Oblast
• Mathematics schools Leads in Moscow Oblast
• Plywood suppliers Leads in Moscow Oblast
• Ski repair services Leads in Moscow Oblast
• Mobile discoes Leads in Moscow Oblast
• Medical Book Stores Leads in Moscow Oblast
• Canneries Leads in Moscow Oblast
• Household chemicals suppliers Leads in Moscow Oblast
• Concrete factories Leads in Moscow Oblast
• Cattle farms Leads in Moscow Oblast
• Flower markets Leads in Moscow Oblast
• Fishings Leads in Moscow Oblast
• Drivers license training schools Leads in Moscow Oblast
• Multimedia and electronic book publishers Leads in Moscow Oblast
• Alcohol Manufacturers Leads in Moscow Oblast
• Knitwear manufacturers Leads in Moscow Oblast
• Vocal Instructors Leads in Moscow Oblast
• School bus services Leads in Moscow Oblast
• Part time daycares Leads in Moscow Oblast
• Mulch suppliers Leads in Moscow Oblast
• Fruits Wholesalers Leads in Moscow Oblast
• Snowmobile dealers Leads in Moscow Oblast
• Tea market places Leads in Moscow Oblast
• Tea Exporters Leads in Moscow Oblast
• Tennis stores Leads in Moscow Oblast
• Public transports Leads in Moscow Oblast
• Emergency dental services Leads in Moscow Oblast
• Foreign languages program schools Leads in Moscow Oblast
• Village halls Leads in Moscow Oblast
• Container services Leads in Moscow Oblast
• Pond contractors Leads in Moscow Oblast
• Registry offices Leads in Moscow Oblast
• Organic drug stores Leads in Moscow Oblast
• Sports medicine physicians Leads in Moscow Oblast
• Holding companies Leads in Moscow Oblast
• Ventilating Equipment Manufacturers Leads in Moscow Oblast
• Yacht brokers Leads in Moscow Oblast
• Interior plant services Leads in Moscow Oblast
• Glass block suppliers Leads in Moscow Oblast
• Glassware manufacturers Leads in Moscow Oblast
• Glass blowers Leads in Moscow Oblast
• Optical Wholesalers Leads in Moscow Oblast
• Log cabins Leads in Moscow Oblast
• Furnace parts suppliers Leads in Moscow Oblast
• Rolled metal products suppliers Leads in Moscow Oblast
• Metal detecting equipment suppliers Leads in Moscow Oblast
• Metalware dealers Leads in Moscow Oblast
• STD testing services Leads in Moscow Oblast
• Auto markets Leads in Moscow Oblast
• Industrial supermarkets Leads in Moscow Oblast
• Judo schools Leads in Moscow Oblast
• Youth Hostels Leads in Moscow Oblast
• Land surveying offices Leads in Moscow Oblast
• Beauties Leads in Moscow Oblast
• Telephone exchanges Leads in Moscow Oblast
• Telecommunications Leads in Moscow Oblast
• Fountain contractors Leads in Moscow Oblast
• Watch Manufacturers Leads in Moscow Oblast
• Summer camps Leads in Moscow Oblast
• Utility trailer dealers Leads in Moscow Oblast
• Money order services Leads in Moscow Oblast
• Wine cellars Leads in Moscow Oblast
• Christmas tree farms Leads in Moscow Oblast
• Entertainments Leads in Moscow Oblast
• Fishing ponds Leads in Moscow Oblast
• Novelties Wholesalers Leads in Moscow Oblast
• Health and beauties Leads in Moscow Oblast
• Sculpture museums Leads in Moscow Oblast
• Eastern European restaurants Leads in Moscow Oblast
• Pediatric ophthalmologists Leads in Moscow Oblast
• Pediatric cardiologists Leads in Moscow Oblast
• Heatings Leads in Moscow Oblast
• Mirror shops Leads in Moscow Oblast
• Laminating equipment suppliers Leads in Moscow Oblast
• Gypsum Product Suppliers Leads in Moscow Oblast
• Financial audits Leads in Moscow Oblast
• Boarding houses Leads in Moscow Oblast
• Leasing services Leads in Moscow Oblast
• Biking trails Leads in Moscow Oblast
• Cutlery stores Leads in Moscow Oblast
• Hair extension technicians Leads in Moscow Oblast
• Car factories Leads in Moscow Oblast
• Italian grocery stores Leads in Moscow Oblast
• Staple food packages Leads in Moscow Oblast
• Flower designers Leads in Moscow Oblast
• German language schools Leads in Moscow Oblast
• Massages Leads in Moscow Oblast
• Kite shops Leads in Moscow Oblast
• Gymnasium schools Leads in Moscow Oblast
• Stereo repair services Leads in Moscow Oblast
• Stucco contractors Leads in Moscow Oblast
• Toll booths Leads in Moscow Oblast
• Reptile stores Leads in Moscow Oblast
• Road cyclings Leads in Moscow Oblast
• Childrens theaters Leads in Moscow Oblast
• Theater supply stores Leads in Moscow Oblast
• Design institutes Leads in Moscow Oblast
• Hunting preserves Leads in Moscow Oblast
• Auto radiator repair services Leads in Moscow Oblast
• Marketings Leads in Moscow Oblast
• Electricity Boards Leads in Moscow Oblast
• Dye Stores Leads in Moscow Oblast
• Textiles Leads in Moscow Oblast
• Custom tailors Leads in Moscow Oblast
• Travel services Leads in Moscow Oblast
• Japanese confectionery shops Leads in Moscow Oblast
• Childrens cafes Leads in Moscow Oblast
• Pension offices Leads in Moscow Oblast
• Pretzel stores Leads in Moscow Oblast
• Amusement park rides Leads in Moscow Oblast
• Industries Leads in Moscow Oblast
• Sweets and dessert buffets Leads in Moscow Oblast
• Cosplay cafes Leads in Moscow Oblast
• Blood banks Leads in Moscow Oblast
• Hockey rinks Leads in Moscow Oblast
• Skiing Clubs Leads in Moscow Oblast
• Entertainment and recreations Leads in Moscow Oblast
• Record companies Leads in Moscow Oblast
• Hookah stores Leads in Moscow Oblast
• Beauticians Leads in Moscow Oblast
• Service establishments Leads in Moscow Oblast
• Insulator Suppliers Leads in Moscow Oblast
• Furnace stores Leads in Moscow Oblast
• Soft drinks shops Leads in Moscow Oblast
• Soccer stores Leads in Moscow Oblast
• Auto tag agencies Leads in Moscow Oblast
• Notaries associations Leads in Moscow Oblast
• Public defender's offices Leads in Moscow Oblast
• Iron steel contractors Leads in Moscow Oblast
• Alternator suppliers Leads in Moscow Oblast
• Pig farms Leads in Moscow Oblast
• School lunch centers Leads in Moscow Oblast
• Auto parts markets Leads in Moscow Oblast
• Car rentals Leads in Moscow Oblast
• Aluminum frames suppliers Leads in Moscow Oblast
• Recycling drop-off locations Leads in Moscow Oblast
• Measuring instruments suppliers Leads in Moscow Oblast
• Road construction machine repair services Leads in Moscow Oblast
• Fishing camps Leads in Moscow Oblast
• Fish processings Leads in Moscow Oblast
• Fax Service Providers Leads in Moscow Oblast
• Free parking lots Leads in Moscow Oblast
• Logging contractors Leads in Moscow Oblast
• Retail space rental agencies Leads in Moscow Oblast
• Printer ink refill stores Leads in Moscow Oblast
• Topsoil suppliers Leads in Moscow Oblast
• Ponds Leads in Moscow Oblast
• Internal medicine wards Leads in Moscow Oblast
• Sugar factories Leads in Moscow Oblast
• Bingo halls Leads in Moscow Oblast
• Car sharing locations Leads in Moscow Oblast
• Airplanes Leads in Moscow Oblast
• Aerated Drinks Suppliers Leads in Moscow Oblast
• Stone carvings Leads in Moscow Oblast
• Shipping equipment industries Leads in Moscow Oblast
• Parking lot for motorcycles Leads in Moscow Oblast
• Halfway houses Leads in Moscow Oblast
• Rice shops Leads in Moscow Oblast
• Frozen dessert suppliers Leads in Moscow Oblast
• Health counselors Leads in Moscow Oblast
• Gardening products and services Leads in Moscow Oblast
• Sport tour agencies Leads in Moscow Oblast
• Condiments suppliers Leads in Moscow Oblast
• Eyebrow bars Leads in Moscow Oblast
• Tanneries Leads in Moscow Oblast
• Seafood stores Leads in Moscow Oblast
• Tune up suppliers Leads in Moscow Oblast
• Corporate gift suppliers Leads in Moscow Oblast
• Sand plants Leads in Moscow Oblast
• Baseball goods stores Leads in Moscow Oblast
• Cosmetics Leads in Moscow Oblast
• Weightlifting areas Leads in Moscow Oblast
• Savings banks Leads in Moscow Oblast
• Bird control services Leads in Moscow Oblast
• Office supplies Leads in Moscow Oblast
• Drone shops Leads in Moscow Oblast
• Athletic tracks Leads in Moscow Oblast
• Tire repair shops Leads in Moscow Oblast
• Luggage wholesalers Leads in Moscow Oblast
• Pediatric neurologists Leads in Moscow Oblast
• General register offices Leads in Moscow Oblast
• Personal repair services Leads in Moscow Oblast
• Syrian restaurants Leads in Moscow Oblast
• Estate appraisers Leads in Moscow Oblast
• Paper stores Leads in Moscow Oblast
• Cider bars Leads in Moscow Oblast
• Meeting rooms Leads in Moscow Oblast
• Computer clubs Leads in Moscow Oblast
• Ladder suppliers Leads in Moscow Oblast
• Faculty of arts Leads in Moscow Oblast
• Creches Leads in Moscow Oblast
• Designs Leads in Moscow Oblast
• Passport Agents Leads in Moscow Oblast
• Auto paintings Leads in Moscow Oblast
• Art cafes Leads in Moscow Oblast
• Home hairdressers Leads in Moscow Oblast
• Footwear wholesalers Leads in Moscow Oblast
• Travels Leads in Moscow Oblast
• Closed circuit televisions Leads in Moscow Oblast
• Dog cafes Leads in Moscow Oblast
• Fishing lakes Leads in Moscow Oblast
• Country houses Leads in Moscow Oblast
• Arts Leads in Moscow Oblast
• Silk stores Leads in Moscow Oblast
• Std clinics Leads in Moscow Oblast
• Couture stores Leads in Moscow Oblast
• Georgian restaurants Leads in Moscow Oblast
• Glassware stores Leads in Moscow Oblast
• Indian sweets shops Leads in Moscow Oblast
• Horse rental services Leads in Moscow Oblast
• Countertop contractors Leads in Moscow Oblast
• Gasket Manufacturers Leads in Moscow Oblast
• Finishing materials suppliers Leads in Moscow Oblast
• Board game clubs Leads in Moscow Oblast
• Otolaryngology clinics Leads in Moscow Oblast
• Lymph drainage therapists Leads in Moscow Oblast
• BMX parks Leads in Moscow Oblast
• Traditional markets Leads in Moscow Oblast
• Shawarma restaurants Leads in Moscow Oblast
• Food stores Leads in Moscow Oblast
• District attorneys Leads in Moscow Oblast
• Higher educations Leads in Moscow Oblast
• Learner driver training areas Leads in Moscow Oblast
• Management schools Leads in Moscow Oblast
• Diamond buyers Leads in Moscow Oblast
• Chocolate artisans Leads in Moscow Oblast
• Foods Leads in Moscow Oblast
• Bookmakers Leads in Moscow Oblast
• Municipal Department Finances Leads in Moscow Oblast
• Divorce services Leads in Moscow Oblast
• Dental hygienists Leads in Moscow Oblast
• Dried flower shops Leads in Moscow Oblast
• Wrestling schools Leads in Moscow Oblast
• Emergency services Leads in Moscow Oblast
• Needlework shops Leads in Moscow Oblast
• Hearing aid repair services Leads in Moscow Oblast
• Bazars Leads in Moscow Oblast
• Children Policlinics Leads in Moscow Oblast
• Music box stores Leads in Moscow Oblast
• Childrens libraries Leads in Moscow Oblast
• Meeting planning services Leads in Moscow Oblast
• Christmas markets Leads in Moscow Oblast
• Customs warehouses Leads in Moscow Oblast
• Wellness hotels Leads in Moscow Oblast
• Real estate surveyors Leads in Moscow Oblast
• Interior decorations Leads in Moscow Oblast
• Water mills Leads in Moscow Oblast
• Asian household goods stores Leads in Moscow Oblast
• Copper Suppliers Leads in Moscow Oblast
• Property administrators Leads in Moscow Oblast
• Internets Leads in Moscow Oblast
• Dental radiologies Leads in Moscow Oblast
• Railway services Leads in Moscow Oblast
• Public housings Leads in Moscow Oblast
• Cooling plants Leads in Moscow Oblast
• Port operating companies Leads in Moscow Oblast
• Lamp shade suppliers Leads in Moscow Oblast
• Clothes markets Leads in Moscow Oblast
• Cottage rentals Leads in Moscow Oblast
• Computer desk stores Leads in Moscow Oblast
• Hockey supply stores Leads in Moscow Oblast
• Electronics Exporters Leads in Moscow Oblast
• Prefabricated house companies Leads in Moscow Oblast
• Transit stops Leads in Moscow Oblast
• Lamp repair services Leads in Moscow Oblast
• Cottage villages Leads in Moscow Oblast
• Traffic police stations Leads in Moscow Oblast
• MRI centers Leads in Moscow Oblast
• Parkings Leads in Moscow Oblast
• Plating services Leads in Moscow Oblast
• Crab houses Leads in Moscow Oblast
• Train repairing centers Leads in Moscow Oblast
• Archery clubs Leads in Moscow Oblast
• Casket services Leads in Moscow Oblast
• Employment services Leads in Moscow Oblast
• Silversmiths Leads in Moscow Oblast
• Gambling houses Leads in Moscow Oblast
• Sports Leads in Moscow Oblast
• Self service restaurants Leads in Moscow Oblast
• Fairs Leads in Moscow Oblast
• Renter's insurance agencies Leads in Moscow Oblast
• Oriental goods stores Leads in Moscow Oblast
• Eye cares Leads in Moscow Oblast
• Paintings stores Leads in Moscow Oblast
• Immunologists Leads in Moscow Oblast
• Barbecue areas Leads in Moscow Oblast
• Wicker stores Leads in Moscow Oblast
• License plate frames suppliers Leads in Moscow Oblast
• Education and cultures Leads in Moscow Oblast
• Bead wholesalers Leads in Moscow Oblast
• Airbrushing services Leads in Moscow Oblast
• Wedding souvenir shops Leads in Moscow Oblast
• Vegetations Leads in Moscow Oblast
• Outerwear stores Leads in Moscow Oblast
• Sauna stores Leads in Moscow Oblast
• Doll stores Leads in Moscow Oblast
• Insurance schools Leads in Moscow Oblast
• Package lockers Leads in Moscow Oblast
• Attractions Leads in Moscow Oblast
• Non smoking holiday homes Leads in Moscow Oblast
• Seafoods Leads in Moscow Oblast
• Drawing lessons Leads in Moscow Oblast
• Calligraphy lessons Leads in Moscow Oblast
• Storages Leads in Moscow Oblast
• Paintball stores Leads in Moscow Oblast
• Police Leads in Moscow Oblast
• Farmings Leads in Moscow Oblast
• Wood frame suppliers Leads in Moscow Oblast
• Emergency management ministries Leads in Moscow Oblast
• Bar PMUs Leads in Moscow Oblast
• Screw suppliers Leads in Moscow Oblast
• Manor houses Leads in Moscow Oblast
• Child psychiatrists Leads in Moscow Oblast
• Chinese language instructors Leads in Moscow Oblast
• Fish spas Leads in Moscow Oblast
• Crushed stone suppliers Leads in Moscow Oblast
• Frituurs Leads in Moscow Oblast
• Water skiing services Leads in Moscow Oblast
• Cultures Leads in Moscow Oblast
• Vending machines Leads in Moscow Oblast
• Glass Leads in Moscow Oblast
• Public baths Leads in Moscow Oblast
• Administrative attorneys Leads in Moscow Oblast
• Love hotels Leads in Moscow Oblast
• Stand bars Leads in Moscow Oblast
• Anime clubs Leads in Moscow Oblast
• Video karaokes Leads in Moscow Oblast
• Seal shops Leads in Moscow Oblast
• Court executive officers Leads in Moscow Oblast
• Business banking services Leads in Moscow Oblast
• Container terminals Leads in Moscow Oblast
• Town squares Leads in Moscow Oblast
• Municipal office educations Leads in Moscow Oblast
• Foam rubber producers Leads in Moscow Oblast
• Appliances Leads in Moscow Oblast
• Bar stool suppliers Leads in Moscow Oblast
• Lightings Leads in Moscow Oblast
• Auto chemistry shops Leads in Moscow Oblast
• Seafood farms Leads in Moscow Oblast
• Traffic officers Leads in Moscow Oblast
• Outdoor baths Leads in Moscow Oblast
• Souvenir manufacturers Leads in Moscow Oblast
• Customs departments Leads in Moscow Oblast
• Wood industries Leads in Moscow Oblast
• Mailbox suppliers Leads in Moscow Oblast
• Wedding buffets Leads in Moscow Oblast
• Japanese delicatessens Leads in Moscow Oblast
• Pediatric gastroenterologists Leads in Moscow Oblast
• Chemicals Leads in Moscow Oblast
• Ice hockey clubs Leads in Moscow Oblast
• Belt shops Leads in Moscow Oblast
• Paper Exporters Leads in Moscow Oblast
• Reenactment sites Leads in Moscow Oblast
• Fur coat shops Leads in Moscow Oblast
• Agriculturals Leads in Moscow Oblast
• Gravel pits Leads in Moscow Oblast
• Eateries Leads in Moscow Oblast
• Securities Leads in Moscow Oblast
• Electrical equipment Leads in Moscow Oblast
• Metalworks Leads in Moscow Oblast
• English language camps Leads in Moscow Oblast
• Training courses Leads in Moscow Oblast
• Dancings Leads in Moscow Oblast
• Dried seafood stores Leads in Moscow Oblast
• Fur services Leads in Moscow Oblast
• Mortuaries Leads in Moscow Oblast
• Horse ridings Leads in Moscow Oblast
• Cultural landmarks Leads in Moscow Oblast
• Prawn fishings Leads in Moscow Oblast
• Technical education academies Leads in Moscow Oblast
• Blueprint services Leads in Moscow Oblast
• Windows Leads in Moscow Oblast
• Hammams Leads in Moscow Oblast
• Alcohol retail monopolies Leads in Moscow Oblast
• Trucks Leads in Moscow Oblast
• Home furnishings Leads in Moscow Oblast
• Motorcycles Leads in Moscow Oblast
• VCR repair services Leads in Moscow Oblast
• Call shops Leads in Moscow Oblast
• Taverns Leads in Moscow Oblast
• Cat boarding services Leads in Moscow Oblast
• Russian grocery stores Leads in Moscow Oblast
• Fur manufacturers Leads in Moscow Oblast
• Real estate rentals Leads in Moscow Oblast
• Stove builders Leads in Moscow Oblast
• Body arts Leads in Moscow Oblast
• Evening schools Leads in Moscow Oblast
• Boxing rings Leads in Moscow Oblast
• Coat wholesalers Leads in Moscow Oblast
• Geological services Leads in Moscow Oblast
• Japanese inns Leads in Moscow Oblast
• Sheepskin coat stores Leads in Moscow Oblast
• Building designers Leads in Moscow Oblast
• Boot repair shops Leads in Moscow Oblast
• Advertisings Leads in Moscow Oblast
• Coachings Leads in Moscow Oblast
• Vehicle rentals Leads in Moscow Oblast
• Childrens party buffets Leads in Moscow Oblast
• Vehicle dealers Leads in Moscow Oblast
• Shrimp farms Leads in Moscow Oblast
• Sanitary inspections Leads in Moscow Oblast
• Shoe shining services Leads in Moscow Oblast
• Sauna clubs Leads in Moscow Oblast
• Goldfish stores Leads in Moscow Oblast
• Vehicle examination offices Leads in Moscow Oblast
• Plast window stores Leads in Moscow Oblast
• Martial arts Leads in Moscow Oblast
• Gravel plants Leads in Moscow Oblast
• Beer companies Leads in Moscow Oblast
• Domestic services Leads in Moscow Oblast
• Municipal health departments Leads in Moscow Oblast
• Fishing and hunting stores Leads in Moscow Oblast
• Stall installation services Leads in Moscow Oblast
• Food products Leads in Moscow Oblast
• Animal watering holes Leads in Moscow Oblast
• TB clinics Leads in Moscow Oblast
• Dirt suppliers Leads in Moscow Oblast
• Web design companies Leads in Moscow Oblast
• Linoleum stores Leads in Moscow Oblast
• Playrooms Leads in Moscow Oblast
• Cat trainers Leads in Moscow Oblast
• Pre gymnasium schools Leads in Moscow Oblast
• Felt boots stores Leads in Moscow Oblast
• Used Stores Leads in Moscow Oblast
• Public saunas Leads in Moscow Oblast
• Tele Service Companies Leads in Moscow Oblast
• Mutton barbecue restaurants Leads in Moscow Oblast
• Bike washes Leads in Moscow Oblast
• Studios Leads in Moscow Oblast
• Pets Leads in Moscow Oblast
• Medical lawyers Leads in Moscow Oblast
• Lyceums Leads in Moscow Oblast
• Traditional Kostume stores Leads in Moscow Oblast
• Municipal Guards Leads in Moscow Oblast
• Societe de Flocage Leads in Moscow Oblast
• Cold noodle restaurants Leads in Moscow Oblast
• Hotel rooms Leads in Moscow Oblast
• Institutes Leads in Moscow Oblast
• Security systems Leads in Moscow Oblast
• Laundry rooms Leads in Moscow Oblast
• Pediatric clinics Leads in Moscow Oblast
• Gambling machines Leads in Moscow Oblast
• Televisions Leads in Moscow Oblast
• Assembly halls Leads in Moscow Oblast
• Artistic handicrafts Leads in Moscow Oblast
• Old peoples homes Leads in Moscow Oblast
• Tools Leads in Moscow Oblast
• Agriculture machines suppliers Leads in Moscow Oblast
• Lock Stores Leads in Moscow Oblast
• Residential buildings Leads in Moscow Oblast
• Woodwork wholesalers Leads in Moscow Oblast
• Furriers Leads in Moscow Oblast
• Shipping industry services Leads in Moscow Oblast
• Specific trade educations Leads in Moscow Oblast
• Child centers Leads in Moscow Oblast
• Prosthetics dentists Leads in Moscow Oblast
• Tortilla shops Leads in Moscow Oblast
• Impermeabilization services Leads in Moscow Oblast
• Research and developments Leads in Moscow Oblast
• Blind suppliers Leads in Moscow Oblast
• Photo prints Leads in Moscow Oblast
• Exterior shops Leads in Moscow Oblast
• Woodworking industries Leads in Moscow Oblast
• Furnace rooms Leads in Moscow Oblast
• Web Development Leads in Moscow Oblast
• Garment Exporters Leads in Moscow Oblast
• Kindergartens Leads in Moscow Oblast
• Fashion accessories stores Leads in Moscow Oblast
• Electricians Leads in Moscow Oblast
• Construction companies Leads in Moscow Oblast
• Auto repair shops Leads in Moscow Oblast
• Gas stations Leads in Moscow Oblast
• Attorneys Leads in Moscow Oblast
• Beauty salons Leads in Moscow Oblast
• Distribution services Leads in Moscow Oblast
• Gas companies Leads in Moscow Oblast
• Courthouses Leads in Moscow Oblast
• Federal government offices Leads in Moscow Oblast
• Car repair and maintenance services Leads in Moscow Oblast
• Freight forwarding services Leads in Moscow Oblast
• Credit unions Leads in Moscow Oblast
• Key duplication services Leads in Moscow Oblast
• Pizza Takeouts Leads in Moscow Oblast
• Candy stores Leads in Moscow Oblast
• Bakeries Leads in Moscow Oblast
• Movers Leads in Moscow Oblast
• Motorcycle dealers Leads in Moscow Oblast
• Mental health clinics Leads in Moscow Oblast
• Cleaners Leads in Moscow Oblast
• Delivery Restaurants Leads in Moscow Oblast
• Motorcycle repair shops Leads in Moscow Oblast
• Butcher shops Leads in Moscow Oblast
• Car accessories stores Leads in Moscow Oblast
• Interior door shops Leads in Moscow Oblast
• Garden furniture shops Leads in Moscow Oblast
• Parking garages Leads in Moscow Oblast
• Liquor stores Leads in Moscow Oblast
• Road construction companies Leads in Moscow Oblast
• Laser cutting services Leads in Moscow Oblast
• Dairy suppliers Leads in Moscow Oblast
• Meat products stores Leads in Moscow Oblast
• Student dormitories Leads in Moscow Oblast
• Fertilizer suppliers Leads in Moscow Oblast
• Seed suppliers Leads in Moscow Oblast
• Speech pathologists Leads in Moscow Oblast
• Engine rebuilding services Leads in Moscow Oblast
• Retirement homes Leads in Moscow Oblast
• Train ticket offices Leads in Moscow Oblast
• Walk-in clinics Leads in Moscow Oblast
• Washer & dryer repair services Leads in Moscow Oblast
• Glass & mirror shops Leads in Moscow Oblast
• Army & navy surplus shops Leads in Moscow Oblast
• Sand & gravel suppliers Leads in Moscow Oblast
• Business to business services Leads in Moscow Oblast
• Place of worships Leads in Moscow Oblast
• Classes Leads in Moscow Oblast
• Vitamin & supplements stores Leads in Moscow Oblast
• Children's camps Leads in Moscow Oblast
• Immigration & naturalization services Leads in Moscow Oblast
• Food processing equipments Leads in Moscow Oblast
• Machine maintenance services Leads in Moscow Oblast
• Security system installation services Leads in Moscow Oblast
• Lighting products wholesalers Leads in Moscow Oblast

Business leads by state in Moscow Oblast

• Business Leads in Moscow (3419)
• Business Leads in Saint Petersburg (2457)
• Business Leads in Krasnodar Krai (1847)
• Business Leads in Rostov Oblast (1767)
• Business Leads in Sverdlovsk (1764)
• Business Leads in Samara Oblast (1656)
• Business Leads in Republic of Tatarstan (1636)
• Business Leads in Chelyabinsk Oblast (1579)
• Business Leads in Republic of Bashkortostan (1497)
• Business Leads in Nizhny Novgorod Oblast (1419)
• Business Leads in Kemerovo Oblast (1409)
• Business Leads in Krasnoyarsk Krai (1328)
• Business Leads in Stavropol Krai (1224)
• Business Leads in Novosibirsk (1180)
• Business Leads in Saratov Oblast (1088)
• Business Leads in Perm Krai (1086)
• Business Leads in Khabarovsk Krai (989)
• Business Leads in Khanty-Mansi Autonomous Okrug (981)
• Business Leads in Altai Krai (973)
• Business Leads in Orenburg Oblast (948)
• Business Leads in Belgorod Oblast (922)
• Business Leads in Primorsky Krai (888)
• Business Leads in Tula Oblast (874)
• Business Leads in Tyumen Oblast (866)
• Business Leads in Yaroslavl Oblast (866)
• Business Leads in Voronezh Oblast (845)
• Business Leads in Omsk Oblast (844)
• Business Leads in Vologda Oblast (840)
• Business Leads in Tomsk Oblast (823)
• Business Leads in Udmurt Republic (818)
• Business Leads in Kaliningrad (815)
• Business Leads in Ulyanovsk Oblast (806)
• Business Leads in Chuvash Republic (793)
• Business Leads in Vladimir Oblast (784)
• Business Leads in Kaluga Oblast (745)
• Business Leads in Lipetsk Oblast (737)
• Business Leads in Arkhangelsk (708)
• Business Leads in Penza Oblast (638)
• Business Leads in Kirov Oblast (638)
• Business Leads in Bryansk Oblast (611)
• Business Leads in Republic of Dagestan (597)
• Business Leads in Ryazan Oblast (582)
• Business Leads in Ivanovo Oblast (536)
• Business Leads in Astrakhan Oblast (534)
• Business Leads in Tver Oblast (523)
• Business Leads in Pskov Oblast (521)
• Business Leads in Kursk Oblast (520)
• Business Leads in Smolensk Oblast (493)
• Business Leads in Murmansk Oblast (475)
• Business Leads in Zabaykalsky Krai (458)
• Business Leads in Mari El Republic (458)
• Business Leads in Oryol Oblast (454)
• Business Leads in Komi Republic (439)
• Business Leads in Kurgan Oblast (439)
• Business Leads in Kostroma Oblast (412)
• Business Leads in Tambov Oblast (401)
• Business Leads in Republic of Karelia (388)
• Business Leads in Republic of Buryatia (386)
• Business Leads in Amur Oblast (352)
• Business Leads in Republic of Mordovia (339)
• Business Leads in Novgorod Oblast (338)
• Business Leads in Sakha Republic (333)
• Business Leads in Republic of North Ossetia-Alania (310)
• Business Leads in Republic of Khakassia (306)
• Business Leads in Sakhalin (306)
• Business Leads in Kamchatka Krai (268)
• Business Leads in Kabardino-Balkar Republic (266)
• Business Leads in Chechen Republic (241)
• Business Leads in Irkutsk (227)
• Business Leads in Republic of Adygea (194)
• Business Leads in Leningrad Oblast (127)
• Business Leads in Karachay-Cherkess Republic (118)
• Business Leads in Yamalo-Nenets Autonomous Okrug (92)
• Business Leads in Republic of Kalmykia (72)
• Business Leads in Republic of Ingushetia (62)
• Business Leads in Tuva Republic (41)

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