What does the customer gain and what are the risks of using the Flipful service?

Flipful is an easy way to make every day a payday. It allows you to choose when to receive your earned salary, reducing stress and making you stop asking yourself – when will it be already?

The questions asked by customers (companies) are nothing new, especially if they are about to start something unprecedented. Potential customer frequently asked questions: does this mean that additional information about employees will be needed? What is the difference with an advance payment? Will the employee be able to withdraw more than he earned? How could this work in the current solutions?

As with any business, the Flipful user might meet both benefits and risks. The end user (employee) gets the opportunity to be protected from unforeseen expenses at any place and time. It could be an analogy of using an umbrella that can be activated when needed. This option reduces stress, as the user will no longer have to worry so much about their financial situation. Financial well-being is also improving – research shows that, if a person can handle money more flexibly and receive it more often, then he or she can build up savings more effectively.

A risk that is important to mention (which happens in some cases) is insufficient financial prudence, which can lead to the situation, when all available limits are spent and there is not enough for mandatory bills. To avoid this and other risk situations, Flipful has incorporated financial literacy training in the employees’ mobile app, as well as company-defined amount and withdrawal limits, so that money is spent only for real needs.

The benefit of the company is the opportunity to improve productivity, because employees focus on work, they don’t have to think about finances at that moment.

As well as a very important aspect – loyalty – employees will not be deceived by a salary supplement, if they have the opportunity to handle their salary flexibly. This in turn reduces staff turnover costs and time spent selecting candidates.

And, of course, one of the most important points when choosing a job is the environment in the company and involvement. Feeling that the employee is taken care of, they value their employer, thus also increasing the employer’s own reputation not only in the eyes of existing but also potential new employees.

But considering the risks, if the service is not properly communicated in the company, and the employee feels that it is not money earned, but that he borrows from the employer, then the employee may not understand why part of the salary will be deducted at the end of the month, thus creating a bad impression of the employer.

If this service is introduced for a fee to your employees, they would have to pay for the request and for the withdraw, but if it is not successfully communicated, the employee may be unhappy that he or she has to pay for it. Therefore, it is very important to talk to the employees themselves, as well as the communication must be as transparent as possible, so that if you pay, you know what for. Sounds simple, modern and even exciting, doesn’t it?

What does it take to get started?

Stage 1 – we identify existing processes – how salaries are currently paid, on what date, where they are listed, etc.

Step 2 – we prepare a proposal – how we can provide our service to this company with minimal changes, what will be our role. Preparing a plan on how it will all work.

Step 3 – the implementation phase – when we actually send employees information on where the application can be downloaded and what needs to be done. The company signs a contract and, accordingly, the company’s employees have instructions on further processes.

Ko iegūst klients un kādi pastāv riski izmantojot Flipful pakalpojumu?

Flipful ir vienkāršs veids, kā katru dienu padarīt par algas dienu. Tas atļauj izvēlēties, kad saņemt savu nopelnīto algu, samazinot stresu un sev galvā uzdoto jautājumu- nu, kad būs?

Klientu (uzņēmumu) uzdotie jautājumi nav nekas jauns, īpaši, ja viņu vēlme ir uzsākt ko vēl nepiedzīvotu. Potenciālie klientu visbiežāk uzdotie jautājumi: vai tas nozīmē, ka vajadzēs papildus no savas puses piegādāt informāciju par darbiniekiem? Kāda ir atšķirība ar avansu? Vai darbinieks nevarēs izņemt vairāk nekā nopelnījis? Kā tas varētu darboties mūsu esošajos risinājumos?

Kā jebkurā biznesā, Flipful lietotājam ir gan savi ieguvumi, gan riski. Gala lietotājs (darbinieks) iegūst iespēju jebkurā vietā un laikā būt pasargātam no neparedzētiem izdevumiem. To varētu pielīdzināt lietussargam, ko aktivizēt brīdī, kad nepieciešams. Šī iespēja samazina stresu, jo lietotājs vairs tik daudz neuztrauksies par savu finansiālo stāvokli. Kā arī uzlabojas finansiālā labklājība – pētījumi pierāda, ka, ja cilvēks var elastīgāk rīkoties ar naudu un to var saņemt biežāk, tad viņš var izveidot uzkrājumus efektīvāk.

Risks, kuru būtiski pieminēt, kas notiek atsevišķos gadījumos, ir nepietiekama finanšu prātība, kas var novest pie tā, ka tiks izņemts viss pieejamais limits un nepietiks kādam rēķinam. Lai izvairītos no šādām un citām riska situācijām, Flipful ir iestrādājuši darbinieku mobilajā lietotnē finanšu pratības izglītību, kā arī no uzņēmuma puses nosakāmus summu un izņemšanas reižu limitus, lai nauda netiktu tērēta tā pat vien, bet gan reālām vajadzībām.

Uzņēmuma ieguvums ir iespēja uzlabot produktivitāti, tādēļ, ka darbinieki fokusējas darbam, viņiem nav jādomā par finansēm tajā brīdī.

Kā arī ļoti svarīgs aspekts – lojalitāte – darbiniekus nevarēs pārmānīt ar piemaksu pie algas, ja viņam būs iespēju elastīgi rīkoties ar savu algu. Tas, savukārt, samazina darbinieku mainības izmaksas un laiku, kas patērēts kandidātu atlasē.

Un, protams, viens no svarīgākajiem punktiem izvēloties darba vietu ir vide uzņēmumā un iesaiste.  Jūtot, ka par darbinieku rūpējas, viņi novērtē savu darba devēju, tādejādi arī pieaug paša darba devēja reputācija ne tikai esošo, bet arī potenciālo darbinieku acīs.

Bet, domājot par riskiem, ja pakalpojums nav pareizi nokomunicēts uzņēmumā, un darbiniekam šķiet, ka tā nav nopelnīta nauda, bet, ka viņš aizņemas no darba devēja, tad darbinieks var nesaprast, kāpēc mēneša beigās tiks noņemta daļa no darba algas,  tādā veidā  radīsies slikts iespaids par darba devēju.

Ja šo pakalpojumu ieviesīs par maksu saviem darbiniekiem, būtu  jāmaksā par pieprasījumu, par izņemšanas reizi, bet tas nebūtu veiksmīgi nokomunicēts, darbinieks var būt neapmierināts, ka viņam par to jāmaksā. Tāpēc ļoti būtiska ir saruna ar pašiem darbiniekiem, kā arī komunikācijai jābūt maksimāli caurspīdīgai, lai, ja maksā, tad zina par ko. Izklausās pavisam vienkārši, moderni un pat aizraujoši, vai ne?

Kas ir vajadzīgs, lai uzsāktu darboties?

1. posms – mēs apzinām esošos procesus – kā šobrīd algas tiek izmaksātas, kādā datumā, kur uzskaitītas utt.

2. posms – sagatavojam priekšlikumu – kā ar minimālām izmaiņām mēs varam nodrošināt mūsu pakalpojumu šajā uzņēmumā, kāda ir mūsu loma. Plāns, kādā veidā tas viss darbosies.

3. posms – ieviešanas fāze – kad mēs faktiski nosūtam darbiniekiem informāciju, kur var lejupielādēt aplikāciju un kas jāizdara. Ar uzņēmumiem ir noslēgts līgums un attiecīgi uzņēmuma darbiniekiem ir instruktāža.

Kad finanšu vadība aizrauj. Intervija ar Flipful vadītāju – Jāni Putniņu

Vadoties pēc mūsdienu klientu vēlmēm un apvienojot to ar finanšu labklājības vīziju, tika radīts jauns pakalpojums – Flipful, kas piedāvā saviem lietotājiem pasargāt sevi no neplānoto tēriņu sekām. Intervijā, uzņēmuma Flipful vadītājs Jānis Putniņš, stāsta par to, kā nonāca līdz idejai radīt jaunu finanšu rīku Flipful, kā arī pastāsta par pašu pakalpojumu un tā priekšrocībām.

Jāni, Tu esi finanšu jaunuzņēmuma Flipful vadītājs.  Kāda loma finansēm ir Tavā dzīvē?

Šodienas Covid-19 apstākļos, kā nekad, cilvēki izjutuši uzkrājumu nozīmi. Negaidītā situācija valstī veicināja arī neplānotus izdevumus. Daudzi ir zaudējuši darbu. Bet kā būtu, ja mēs veltītu vairāk laika savu finanšu sakārtošanai?

Šodien vairs nevienam nav jāstāsta, cik svarīgi ir parūpēties par naudas lietām. Finanses ir būtiska ikdienas sastāvdaļa, kurai ir jābūt sakārtotai. Sakārtoti finanšu jautājumi ļauj justies droši par savu rītdienu, t.s. “drošības spilvens” pat tad, ja rodas negaidīti pavērsieni dzīvē. Nedomāju, ka visiem ir jābūt nozares profesionāļiem, taču pamata zināšanas gan noderēs ikvienam. Finanšu pratība uzlabo ne tikai finansiālo stāvokli, bet arī kopumā ceļ dzīves kvalitāti un mazina ikdienas stresa līmeni.

Pats savas finanses pārvaldu jau no 16 gadu vecuma. Pēc savas personīgās pieredzes zinu, ko nozīmē dzīvot “no algas līdz algai”. Esmu vairākus gadus gan studējis, gan strādājis finanšu nozarē, tai skaitā, pārdzīvojot finanšu krīzes periodu. Līdz ar to esmu pieredzējis gan labus, gan ne tik labus laikus, gan veiksmīgus, gan ne tik veiksmīgus piemērus.

Pastāsti sīkāk par savu darba pieredzi finanšu sektorā!

Mana darba pieredze banku sektorā vērojama jau no 19 gadu vecuma. Sākumā strādāju Swedbank kā klientu apkalpošanas speciālists privātpersonām,  sniedzu konsultācijas  uzņēmumiem par bankas pakalpojumiem un iespējām. Pēcāk kā projektu vadītājs izstrādāju uzņēmumiem risinājumus naudas plūsmas jautājumos – kā plānot ienākošo un izejošo maksājumu plūsmu un izvēlēties rīkus biznesa atbalstam.

Luminor (exDNB) mana pieredze vairāk skāra banku digitālos risinājumus, piemēram, bija jāievieš un jāpalaiž tirgū mobilā banka. Šajā jomā bija ļoti svarīgi izzināt klientu pieredzi no lietotāja puses. Kopumā banku sektorā vairāk kā 10 gadu garumā esmu strādājis ar dažādiem finanšu pārvaldības aspektiem un projektiem, kas arī palīdzēja veidot daudzpusīgu izpratni par klientu vajadzībām.

Nosauc 3 galvenos iemeslus, kāpēc izveidoji Flipful!

Pirmkārt, cilvēkiem ir vajadzība pēc risinājuma, kas ļauj neaizņemties naudu no trešām pusēm un tikt galā ar neplānotiem tēriņiem pašiem. Flipful sniedz cilvēkiem ētisku alternatīvu saņemt nopelnīto algu, ko izmantot neplānotiem izdevumiem. Un situācijā, ja steidzami jādodas pie ārsta, vairs nav jāņem ātrais patēriņa kredīts.

Otrkārt, protams, tas nevar pilnībā mainīt patēriņa kultūru (tas neatrisinās visas problēmas), tomēr balstoties uz vairākiem izzinātiem pētījumiem (piemēram, Wendy De La Rosa – 3 psiholoģiskie triki, kas palīdzēs ietaupīt naudu), tas dod iekšējā miera sajūtu, mazinot emocionālo spriedzi, un arī palīdz uzlabot finansiālo situāciju ilgtermiņā.  

Treškārt, mani aizrauj tāds produktu izstrādes process, kas atstāj pozitīvu ietekmi uz cilvēkiem. Ja es varu izstrādāt risinājumu, kas cilvēkiem ir nepieciešams un ko tie labprāt izmantotu – domāju, tas ir ļoti svarīgs iemesls, kāpēc izvēlēties to darīt.

Kādi ir Flipful attīstības plāni? Pie kādiem uzlabojumiem tiek strādāts?

      Pašreiz cilvēkiem ir iespēja izņemt savu atalgojumu. Nākamais uzdevums mums būs ieviest iespēju automātiski novirzīt daļu no algas uzkrājumiem, lai izveidotos jau iepriekšminētais “drošības spilvens”, lai cilvēki varētu brīvi veikt un organizēt savus uzkrājumus. Nākotnē plānojam arī sniegt personalizētus padomus, kas vairotu cilvēku zināšanas par sava budžeta organizēšanu, kā pareizi veikt uzkrājumus un vadīt savas finanses. Pašreiz esam izveidojuši pamatu finanšu pratības izglītošanai, taču, turpinot strādāt pie šī projekta, plānojam pieejamos pakalpojumus kombinēt ar informāciju no lietotāja bankas. Šāds risinājums ļaus cilvēkam saņemt jau ļoti konkrētus un personīgus ieteikumus.

When finance management is a passion. Interview with Flipful founder – Janis Putnins

Guided by the needs of today’s customers and combined with a vision of financial well-being in society, a new product was created – Flipful. It offers users to protect themselves from the consequences of unplanned expenses. In the interview, the founder of Flipful, Janis Putnins, talks how he came up with idea of creating a new financial tool Flipful, tells us about the service itself and its advantages.

Janis, you are the founder of the fintech start-up Flipful. What role does finances play in your life?

Today due to Covid-19 circumstances, more than ever, people have felt the importance of savings. The unexpected situation in the country also contributed to unplanned expenses. Many have lost their jobs. But what if we devoted more time to arrange our finances?

Finances are an essential part of everyday life that needs to be organized. Arranged financial issues make you feel confident about your future, so to speak, you create an “airbag” for unexpected changes in life or sudden unplanned expenses. I don’t think everyone should be a professional accountant, but basic knowledge will be useful for all. Financial literacy not only improves the financial situation, but also raises the quality of life in general and reduces the level of daily stress.

I have been managing my finances since I was 16 years old. From personal experience, I know what it means to live “from salary to salary”. I have both – studied and worked in the financial sector for many years, including going through a period of financial crisis. Therefore, I have experienced better and less good times, as well as successful and less successful examples.

Tell us more about your work experience in the financial sector!

My work experience in the banking sector has been observed since I was 19 years old. Initially, in Swedbank I worked as a customer service specialist for individuals, providing advice to businesses on banking services and opportunities. Later, as a project manager, I developed a solution for companies in terms of cash flow – how to plan the flow of incoming and outgoing payments and select the right tools for business support

My experience at Luminor (ex DNB) was more related to digital banking solutions, such as the introduction and launch of mobile banking. In this area, it was very important to understand the customer experience. In general, with more than 10 years of experience in the banking sector, I had worked on various aspects of financial management and projects, which also helped to develop a comprehensive understanding of customer needs.

Name 3 main reasons why you created Flipful!

First of all, people need a solution that allows them not to borrow money from third parties and so deal with unplanned expenses on their own. Flipful provides people with an ethical alternative to get their earned salary when needed for unplanned expenses. And in a situation where you need to see a doctor urgently, you no longer have to take a fast consumer loan.

Second, of course, it cannot completely change the culture of consumption (it will not solve all the problems), but based on many researches (for example, Wendy De La Rosa with 3 psychological tricks to help you save money), it gives a feeling of inner peace (decreases emotional tension), and also helps to improve the financial situation in the long term.

Third, I am fascinated by the product development process that has a positive impact on people. If I can come up with a solution that people need and would like to use – I think that’s a very important reason to choose to do so.

What are Flipful development plans? What improvements are you working on?

People now have the opportunity to withdraw their salary when needed. The next task for us will be to introduce the possibility of diverting part of their salary to savings automatically to create an ‘airbag’ so that people can freely make and organize their savings. In the future, we also plan to provide personalized advices that would increase people’s knowledge of how to organize their budget, start savings, and manage their finances. We have now created a basis for financial literacy education, but as we continue to work on this project, we plan to combine the available services with information from the user’s bank. Such a solution will allow a person to receive very specific and personal recommendations.

Wolves Summit 2020 – FinTech finalist

Wolves Summit is one of the biggest business conferences in Europe, which is highly valued by Startups, Investors, Corporates and Executives.

It is the place where innovation meets business and capital.

The 11th edition of Wolves Summit is happening in the Polish capital, transforming the iconic Palace of Culture and Science into an entrepreneurship hotspot.

The organisers, among which is the Capital City of Warsaw itself, expect to welcome more than 2,500 participants this year, including 450 startups, 250 VCs, and 450 corporate representatives. As for the networking opportunities, no less than 4,500 one-on-one meetings are expected to take place over the two days of the event.

For B2B fintech startups, this year’s Wolves Summit has got something special in store. The conference’s strategic partner GTR Ventures offers a prize package worth $10,000 for the winner in the fintech category, including two complimentary passes to and profiling opportunities at the GTR Ventures 3rd Tradetech Showcase Competition. That event will be held at the prestigious Marina Bay Sands hotel in Singapore on September 8—9.

The Showcase Competition, which takes place a week prior to the Formula One Night Race in Singapore, is part of GTR Asia — the world’s largest international gathering for local and international organisations: from banks to multinational corporations and SMEs, independent financiers, commodity brokers, traders, insurers and risk managers, lawyers, consultants, ECAs and multilaterals.

Wolves Summit has also partnered with the British Embassy, Israel Embassy, Newcastle Startup Week / Plan Digital UK, Enterprise Singapore, and Navispace. The latter will award the winning startup in the IoT and Healthcare category with direct entry to the semi-finals of the 12th Innovation World Cup with prizes worth a total of $500,000.

HackForce – Won 4th place

The first virtual hackathon in Latvia HackForce ended with LIVE pitches of all 28 hackathon ideas aimed to find solutions for the crisis caused by coronavirus. Thanks to the high interest, teams hard work and potential, the initiative gained huge interest by the public and media. In 48 hours over 850 people from 25 countries joined the public Slack, 70 mentors helped the team succeed, and at the end, live-stream has been viewed already by over 15 000 people. The President of Latvia Egils Levits also joined the live-stream to congratulate and thank the teams. 

Top teams were chosen by the jury with professionals from the startup community, the government, investors, and the health industry. Jury who chose the top teams were: Edgars Labsvīrs, Director at National Health Services, Olga Barreto Goncalves, Chief Startup Instigator at Investment and Development Agency of Latvia, Cristobal Alonso, CEO at  Startup Wise Guys, Andris Berzins, Managing Partner at Change Ventures, Solvita Kostjukova, CEO at ALINA and Reinis Znotiņš, Deputy Minister at Ministry of Education.

Flipful team won the 4th place with the solution: One-stop solution for managing government supported standstill payments.

Problem: The Latvian government has promised to provide 75% of salary payments to employers affected by the consequences of the virus in order to avoid the liquidation of companies. Flipful’s team is developing a corporate support tool – a solution to idle payments management as a one-stop point to make processing easier for both the National Revenue Service and businesses, making it simple and understandable without additional administrative burden.

The team: Jānis Putniņš, Ivans Dorohovs, Darja Nipere, Viktors Saulītis.

For further development of the project, the team was rewarded with EUR 2 500, of which EUR 1 500 was allocated by the Ministry of Economics in cooperation with the Latvian Investment and Development Agency and EUR 1 000 – Swedbank Latvija.

TechChill 2020 – Finalist

TechChill is one of the leading tech and startup conferences in the Baltics.

This year 50 teams from 20 countries are competing for the main prize – 10 000 EUR with no strings attached, the fast track to Startup World Cup Finals in San Francisco, advertisement place in Forbes, AWS credits and more. Meet the fifty lucky teams that will pitch their idea on TechChill stage: 

The 10 startups pitching at FinTech vertical are:

1. EVOestate.com (Estonia)
2. CostPocket (Estonia)
3. Flipful (Latvia)
4. HOTLINE.FINANCE (Ukraine)
5. Fertrado (Lithuania)
6. Raison.Ai (Estonia)
7. Winngie Technologies (Turkey)
8. Quppy (Cyprus)
9. AVA – Systems (Australia)
10. Manu LT (Lithuania)

We are thrilled that the record number of applications for Fifty Founders battle was received – 261 applications in total. This year all participating startups are divided into 5 verticals – MedTech, GreenTech, FinTech, B2B, and B2C. And as predicted the most applications were sent from such regions as Baltics and Nordics, but every year the event becomes more and more international, and we are very happy to see Australia, Kosovo, Puerto Rico, Gambia, Armenia, and more represented. This year the applications were sent in from 37 countries in total, indicating the global scope of our competition. 

During TechChill Day One, on February 20, the jury will evaluate all fifty startups by their 3-minute pitches on stage. On Day Two, five finalists were chosen by the jury, one from each vertical, who will pitch on the main stage and compete for the prizes. During the final pitch, founders are given the chance to tell their idea not only to the official jury, but also to international investors, business angels, accelerators, media, and to the audience of 2000 people.

TechChill 2020 evaluation jury included Marijus Andrijauskas, Portfolio Principal at Startup Wise Guys, Jonė Vaitulevičiūtė, B2B SaaS Batch 14 Managing Director at Startup Wise Guys, Yina Ye, Investment Analyst at OpenOcean, Egita Poļanska, Head of Operations at Startup Wise Guys, Arta Abasina, Investment, and Operations Director at Overkill Ventures, Voldemars Bredikis, Managing Partner at Commercialization Reactor, Kasper Suomalainen, Investor at Superhero Capital, Andris K. BerzinsManaging Partner at Change Ventures, Uldis Žeidurs at Startup Wise Guys, Ilona Gulchak, Partnerships Manager at Commercialization Reactor, and Matiss Neimanis, Managing Partner at Buildit.

Startup Wise Guys 2020 – Alumni

Startup Wise Guys is the leading B2B startup accelerator in Europe.

Flipful is now proud alumni of Startup Wise Guys accelerator and member of its international community, which brings together professionals from various fields across the globe.

The 3-month intense program has been very beneficial for the Flipful team to improve business offering to customers, so that we can deliver even better service to our customers.

Also, it is a great recognition for the team that it makes a valuable impact to the Northern Europe community.

FinTech Inn 2019 – Finalist

FinTech Inn is the largest and most significant international FinTech conference in Northern Europe.

Flipful was selected among the most successful companies as FinTech finalist.

European and global fintech companies, investors and everyone interested in the latest financial technology turned their attention to Lithuania.

Here the largest financial technology conference Fintech Inn in Northern Europe and the Baltic States will be held for the 4th year in a row. With over 60 speakers presenting the latest and hottest fintech trends, the event is expected to attract over 3000 participants representing more than 500 companies worldwide.Kęstutis Šetkus

Kęstutis Šetkus

“This year we have invited a very impressive group of speakers from all over the world – from the USA and Canada to Germany, China and Brazil. This is a great opportunity not only to learn from the best, but also to discover new possibilities during two-day business meetings,”

says Kęstutis Šetkus, Head of the Agency for Science, Innovation and Technology.

It is expected that the conference will be attended by such fintech market leaders as insurtech star Matteo Carbone from Italy, nanopay in which Goldman Sachs, one of Wall Street’s leading banks, has invested more than 10 million US dollars, Laurence Cook, CEO from Canada, fintech startup Raisin that acquired MHB Bank in Germany, German founder Tamaz Georgadze, Pavel Matveev, founder of Wirex, a three-continent blockchain-based payment platform, and Arunan Tharmarajah, Manager of TransferWise for Europe which is fintech startup founded in Great Britain by Estonians.

The event organisers invite all conference guests to listen not only to the top speakers, but also to attend B2B meetings which can be arranged on the special B2Match mobile app. The app will show all registered participants with whom you can chat via instant messaging and arrange B2B meetings.

Joined for the first time in history, the world’s leading blockchain centres – Blockchain Centre Vilnius, along with the Blockchain Centres in Melbourne, Shanghai, Sydney and Dubai – are organising a BCV Global Round Table before the conference which will be attended by the heads of all the beforementioned centres. The purpose of this first roundtable in Vilnius will be to take this debate forward and agree on priorities for 2020, present the tools and solutions that can unlock the long term social and economic value for the public. The focus will be specifically on distributed finance and alternative funding instruments for startups.

Just like last year, fintech companies and their associations will have the opportunity to introduce themselves to the event attendees and present their services, as well as unique products being developed. This year, the conference will focus on open banking, money laundering, cyber security, and the cutting-edge hardware and software solutions in fintech.

The Fintech Inn Conference is organised by the Ministry of Finance of the Republic of Lithuania, the Ministry of Economy and Innovation of the Republic of Lithuania, the Ministry of Foreign Affairs, the Bank of Lithuania, and the Agency for Science, Innovation and Technology (MITA). All these institutions have joined to make Lithuania the leader in fintech in Europe.

Flipful is selected for Startup Wise Guys B2B SaaS Batch 16

Startup Wise Guys accelerator is Europe’s most experienced B2B startup accelerator providing a no BS, hands-on 3 month intense mentoring program with focus on idea shaping and validation, business development, sales and fundraising, topped up with a Tech Week for CTOs and developers, as well as exposure to investors during regional Tech events and special match-making opportunities.

Flipful has been selected amoung 11 international teams from all over the world to receive investment and take part in a 3 month long acceleration program in Tallinn, Estonia.

For the SaaS Batch 16 startups the communication with customers, data oriented business development and operations management for business growth are at the center of attention, as well us employee and client satisfaction. Founders from Estonia, Latvia, Ukraine, Russia, Turkey, Switzerland and even Australia and Iran will be working closely together over these three months and pushing their startups forward for the next big milestones.

Batch 16 is managed by Managing Director Alexandra Balkova from Ukraine and Program Manager Darja Ogorodnik from Estonia, they both are deep diving into these roles for the third time since they joined Startup Wise Guys, and they will work closely with Startup Wise Guys Global CEO Cristobal Alonso as the strategic driver.

More information available: https://startupwiseguys.com/meet-the-next-12-startup-superstars-from-our-b2b-saas-batch-16/