Capital One Ventures

We partner with founders building a more financially inclusive world. Quona has been backing fintech companies driving financial inclusion in emerging markets since 2015. Now, the rest of the world is taking note, and fintech and embedded finance models continue to dominate venture globally. In 2021, global fintech funding reached a record $132 billion, accounting for 21% of all venture dollars. Everyone talks about impact, but few deliver numbers to back the noise. 135M lives touched: 80% of which were underserved 23.5M retail customers served: 88% of which were underserved 8.5M MSMEs served: 78% of which were underserved 25.5K jobs created by portfolio companies: 36% held by women WHAT WE’RE ABOUT It takes more than money to make a startup successful. At the heart of Quona is our sense of connection - to founders, to our investors, and to the markets we serve across the globe. When we invest, we put our global and local experience to work, helping portfolio companies maximize impact and financial returns. ACCION PARTNERSHIP Before becoming an independent venture firm in 2015, Quona got its start inside of Accion, a global nonprofit committed to creating a financially inclusive world. Today Quona and its portfolio still benefit from Accion’s global presence, institutional relationships, and deep history of impact investing in emerging markets.

EMVC is innovating the “strategic seed” category. We invest in early-stage companies that are driving accelerated innovation and local growth in India and that have relevance globally. Our cross-border fund is led by a team of passionate investors and industry leaders with a track record success and a deep understanding of the trends and technologies that are disrupting the status quo in India and the world. Our Unique Approach EMVC is focused on financial services and adjacent technologies in India that are “leapfogging” developed markets and driving the massive transformation that’s underway in the world’s fastest-growing consumer economy. Our approach is simple: We get hands-on to support the very best entrepreneurs who are dedicated to building the new economy for the next billion digitally-empowered users, helping founders connect and grow with the most relevant international leaders and corporations in the world. We are a mix between startup lab, corporate VC, and strategy shop. We believe in results over hype and empowering brilliant minds with capital and connectivity. We help scale hyper-local context and global collaboration in sectors on the cusp of change.NEXT GENERATION PAYMENTS FINTECH & DATA INFRASTRUCTURE SAVINGS, INVESTMENTS, & PERSONAL FINANCE INSURTECH SMALL BUSINESS 2.0 DECENTRALIZED ECONOMY DIGITAL TOOLS FOR FINANCIAL INSTITUTIONS NEXT-WAVE FINANCIAL INCLUSION

As one of the world's largest financial services organisations, we have the power of scale to develop and deploy smart solutions globally, with a focus on delivering excellent customer experiences. Our areas of expertise Security, crime prevention and identity Protecting the bank and its customers against threats Cybersecurity Compliance tools Digital identity Biometrics Cloud, data and analytics Utilising data and the Cloud to provide enhanced services in a secure manner Foundation tools (Data storage & management, artificial intelligence / machine learning) Governance Insights Decisioning Operational Efficiency Digitising workflows Automation No code development (NCD) Paper digitisation Communications Future of work Banking access Digital access to Banking services anytime, anywhere Open finance Banking as a service (BaaS) Embedded finance Payments Platforms & networks Customer interaction Emerging Technology Preparing for the future of Banking Quantum computing Internet of things (IoT) 5G technology Digital assets Borderless financial Services Exploring all aspects of Financial Services and its intersection with adjacent industries Neo FS Smart cities Real estate Automotive Wellness Energy Subscription services Impact & Sustainability Investing to catalyse positive change Environmental Social & corporate governance (ESG) Diversity & Inclusion (D&I) Education

Societe Generale Ventures is a strategic and invested Venture Capital Partner, creating powerful synergies with startups and leveraging on the strength of Societe Generale group’s to accelerate: The group digital transformation The development of new business models to provide responsible and innovative financial solutions to our clients Our portfolio startups growth, in order to develop the world’s future tech leaders Our commitment Corporate social responsibility (CSR) and innovation are at the heart of Societe Generale Ventures’s strategy. This is why we have chosen to focus on impact and responsible investing, by funding responsible startups such as Lumo, La Ville E+ and Shine (B Corp). In addition, SG Ventures is committed to promoting gender equality in the field of venture capital investing and to accelerating the financing of female entrepreneurs. In 2020, we reaffirmed our commitment by signing the Sista Charter for CVC.

We are investing in early-to-mid stage startups focused on solving problems for consumers and small businesses in the fintech, virtual expertise, consumer finance, omni-channel commerce, AI-enabled services and crypto/DeFi verticals. Why Us? We help our portfolio companies grow by leveraging our product and technology expertise and connecting them with our consumer and small business customers.

We understand the importance of digital solutions and how they enable business to move forward. Our portfolio companies are pioneering the kinds of advances that transform the ways businesses and consumers interact. Why partner with us?Tap into our loyal network of global customers and partners to help you grow and scale your business. 70% of total investments have partnerships with American Express business units. Work closely with our dedicated team of experts to develop innovative strategies and execute pilots.