Clocktower Ventures

We seek bold ideas, thoughtful approaches, and intelligent people who are passionate about what they’re building. We closely partner with our portfolio companies, offering a diverse set of business, technical, and financial expertise to help them reach their goals, from product to business development to fundraising and beyond. We combine our unique technological expertise with thoughtful due diligence and market insight to find value before anyone else. We partner with startups in the earliest stages from incubation to pre-seed – no company or idea is too early for Tower Research Ventures.

A SRM Ventures é o braço de corporate venture capital da SRM Asset. Uma gestora de fundos de investimentos, que opera na área de direitos creditórios, que se destaca por atributos como inovação, flexibilidade, pioneirismo e pelo know how adquirido ao longo dos mais de 13 anos de atuação. Hoje possui mais de 2500 clientes, 300 colaboradores e tem R$6 bilhões em volume anual de operações de crédito.

Fintactics is a fintech dedicated VC fund and venture-builder based out of Riyadh, Saudi Arabia that builds, incubates, accelerates growth and invests in start-ups in the Kingdom, MENA region and beyond. Empowering an ecosystem that leverages technology value chain and contributes to rapid growth locally and regionally. WE HAVE A WEALTH OF EXPERIENCE BUILDING AND INVESTING IN FINTECH VENTURESVenture Studio: We harness deep financial technology expertise and a network of brand name partners to create a distinctive, disruptive, operationally-focused investment models that solve real problems in the world of traditional and decentralied finance VC Fund: Fintactics VC fund supports in-house ventures and invest in innovative, high growth early stage (Pre-seed, Series-A) fintech ventures across the kingdom, MENA, and the world. HOW WE DO IT?We Co-build: We build start-ups by partnering with entrepreneurs to take ideas from conception to execution; empowered by decades of experience, timely capitol deployment and exceptional talent. We Partner: We partner with local and international disruptive fintech start-ups from around the world to accelerate growth and localize technology to effectively solve problems within the Kingdom and MENA region. We Invest: Through our Fintactics VC fund, we invest in early stage start-ups, from inception to Series-A, that are rapidly growing with innovative solutions in traditional and decentralized finance. OUR FOCUS VERTICALS As a venture-builder, we are focusing on nine key areas LENDING SOLUTIONS EMBEDDED FINANCE REGTECH SOLUTIONS OPEN BANKING USE CASES WEALTH MANAGEMENT REAL ESTATE SOLUTIONS DEFI AND BLOCKCHAIN CAPITAL MARKETS INSURTECH SOLUTIONS

The Internet has reached in, grabbed, and made the world we once knew totally unrecognizable. Yet the world of finance is, sadly, totally recognizable. The way we transact, save, borrow, invest and manage our money has barely advanced. Yes, there has been some recent innovation– we’re proud to have invested behind many of the intrepid entrepreneurs who are leading the charge – but it is far from enough. In short, we are still at the beginning of the beginning. Case in point: less than 1% of all loans in the world are made online. (Yeah, you heard us right). We’re all stuck in a financial time warp. And just like newspapers, travel agents, hotels and taxi companies have been turned upside down from outside the cozy confines of their industries, don’t expect banks to lead us out of the warp. They’ve proven themselves either unable to create internal environments where innovation can flourish – or simply unwilling to change even though it’s best for their customers. Ribbit Capital is a global investment organization with one single, relentless mission: to change the world of finance. When we look back at our mantra from the day we launched in 2012, the beliefs and values motivating our mission have not changed. This we believe:We believe the unstoppable movement of consumers and business owners to mobile will resound in financial services for decades to come. We believe change favors new entrants and their new brands. We believe that legacy players will lag and sputter. We believe consumers are ready to be inspired. Over the past few years, our convictions have deepened. We have invested in visionary entrepreneurs who are also hard-headed pragmatists. We’ve given them support, guidance, and running room. And we’ve watched with awe as they have begun to reshape the financial world. Our goal isn’t just to write checks. It’s to deposit and grow ideas. We look at finance with a hungry eye for change, and with a desire to share our learning and experience – including some painful mistakes along the way –with ambitious entrepreneurs. When they succeed, they will create the next JP Morgans, Citibanks and Schwabs - tomorrow’s enduring brands. “Our goal isn’t just to write checks. It’s to deposit ideas.” For us, the passion is also personal: we have lived through hyperinflation in two countries, started innovative financial services businesses on three continents, and been regulated by seven governments. Since launching Ribbit, we have invested behind entrepreneurs in ten different countries who are providing financial services to customers in nearly every major city on earth. We invest this broadly because the tectonic shifts we are funding are deep and global. Millions who are joyfully stepping into the middle class now have opportunity to interact with the formal financial system for the first time. Consumers everywhere are waiting expectantly – and often with mounting frustration – for financial services providers to finally bring them true efficiency, transparency, and radical simplicity. The next generation of consumers has about as much patience for Big Finance as they do for Big Anything. Driven by this, we will help create and nurture a thriving, bustling new world in lending, personal finance, insurance, financial software, bitcoin, and more. The technology is here - the Internet, social networks, smart phones, electronic payment systems, and massive processing power in the cloud. The ideas are here as well. What’s in short supply is the investment focus, support, and partnership to accelerate their success. It takes money to change money.

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

Our top-down macro framework and relationship-based investing approach inform our strategies and drive the way we do business. In public markets, we seed macro-oriented managers and invest in China-focused equities managers. In private markets, we invest in fintech and climate disrupters. We also provide global macro research and advisory services. What We Do Clocktower Macro: Exposure to emerging, macro-oriented hedge fund managers with upsize optionality and advisory services Clocktower China: China access, information flow and exposure to Chinese equities via advisory services and a multi manager platform. Clocktower Ventures: Venture capital arm investing in seed through growth stage fintech disrupters and more recently, seed stage climate startups and managers. Clocktower Strategy: Team dedicated to providing bespoke content, covering macroeconomics, public and private markets.