Marta Klepka

I will speak about #nocode at the main stage of Poland's biggest tech conference! 🚀 Code Europe will be held in my hometown (Krakow) on June 10-11, 2024. My presentation about the impact of no-code on software development is scheduled on Day 2 at 11:30 AM. I'm so happy that no-code is finally becoming mainstream in development thanks to events like this. 😍 Who else is coming to Code Europe this year? #CodeEurope24 #software #development

64

4 komentarze

Poland Leads AI Funding in CEE for Jan–Aug 2024! But who is next in the top? Investment decisions can be tough without a clear view of the ecosystem. If you’re a data-driven investor or a key player in the tech space, the 2024 State of AI in CEE report is essential reading. After months of in-depth analysis, we’ve uncovered the key trends and insights to guide your next strategic move: 📍 What’s the real state of AI in the CEE region? 📍 How many M&As boosted the ecosystem? 📍 Which VCs managed to raise new funds? Get early access to these insights by signing up for the report, dropping October 29th 👉 https://hubs.la/Q02TFQ6V0 #Startups #AI #VC #AIReport #Investments

2

[𝟮𝟬/𝟱𝟬] 𝗗𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗪𝗮𝘆𝘀 𝘁𝗼 𝗔𝘁𝘁𝗿𝗮𝗰𝘁 𝗙𝘂𝗻𝗱𝗶𝗻𝗴 𝗳𝗼𝗿 𝗬𝗼𝘂𝗿 𝗖𝗼𝗺𝗽𝗮𝗻𝘆 In a month, I will be a speaker in Warsaw at BelTech: Going Global 2.0, where I will discuss “Venture Winter” with my colleagues from the VC world (the conference link in the first comment). Attracting VC money in 2024 is more challenging than it was in 2021. However, there are still several ways to attract non-traditional VC funding. In this post, I want to share 5 methods to secure funding for your company, particularly if you’re struggling to attract VC money or prefer not to: 𝟭. 𝗬𝗼𝘂𝗿 𝗖𝗹𝗶𝗲𝗻𝘁𝘀 This is the most obvious and cost-effective method for securing funding, yet many companies hesitate to ask their clients for prepayments or long-term contracts. Large corporations, however, may find it advantageous to receive a 10-15% discount in exchange for prepaying for one or two years. While B2C companies sometimes prefer selling monthly subscriptions to maintain higher MRR, annual subscriptions can offer more upfront cash for development. Clients can significantly improve your cash flow, so don’t shy away from exploring this option. 𝟮. 𝗩𝗲𝗻𝘁𝘂𝗿𝗲 𝗗𝗲𝗯𝘁 Venture debt is often used alongside VC funding when you’ve raised only part of the necessary capital or wish to avoid diluting your ownership in the current round. Lenders typically charge higher interest rates compared to traditional debt. In some cases, venture debt providers may ask for additional rights, such as veto rights or even a board seat to protect their interests. 𝟯. 𝗥𝗲𝘃𝗲𝗻𝘂𝗲-𝗯𝗮𝘀𝗲𝗱 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 This type of financing is ideal for companies with a subscription model. The concept is simple: you receive funding in exchange for a percentage of your monthly revenue. Each month you’ll transfer some percentage of your revenue to the lender. 𝟰. 𝗚𝗿𝗮𝗻𝘁𝘀 Many countries and organizations offer grants, especially if your project focuses on sectors like climate tech or energy. These grants can be a great source of non-dilutive funding. 𝟱. 𝗕𝗮𝗻𝗸𝘀 Banks are increasingly competing with fintech and VC players, leading to the creation of new products for startups and scale-ups. I recommend speaking with your bank about these offerings. For instance, some banks offer loans backed by Apple Store or Google Play accounts receivable as collateral. In addition to these options, you might also consider more exotic or risky ones like reaching out to wealthy friends, exploring crowdfunding, ICOs, or leveraging free products or services as alternatives to VC funding. In the current market, cash is king, so be open to different sources of capital, but always be mindful of how each option will impact your future growth and subsequent VC rounds.

21

1 komentarz

Today Marcin Popowski spoke with us! 🎙️ We talk about online payments and banking products that make life easier not only for consumers but also for Merchants. You'll find interesting insights, examples, and some numbers - the things that business loves most. 📈 Marcin, thank you for this visit and for sharing your knowledge with our listeners. 💪🏻 🔝 Enjoy the episode ➡️ https://bit.ly/3zHYoWp #imoje #flyingwithshopify #shopify #ecommercepayments #onlinepayments

10

On average, Poles make 1.5 million #BLIK phone transfers a day! 🚀📈 In the first half of 2024 our users made 132 m of such transactions. We have reached in this field 55 percent growth YoY. 📈 Moreover, the value of mobile phone transfers amounted to 282.7 billion PLN [66.1 bn EUR]. The average transaction was 153 PLN [35 EUR]. 💲 You can find more info here: https://lnkd.in/dbsncWhA #transfers #P2P #transactions

61

AI hallucination regulator. During the FinTech & InsurTech Digital Congress in Warsaw, Przemyslaw Koch from VeloBank S.A. shared practical insights on AI in banking. Most discussions on AI at conferences are usually abstract. But VeloBank uses a real-world solution - an AI engine with a "hallucination regulator." Depending on the query, this feature sets the AI's "hallucination" level from 0 to 10. It ensures that the AI can chat freely with clients while maintaining accuracy in critical banking operations. Kudos to the team for their cutting-edge work! 👏 How can your business implement such practical AI solutions? Let's discuss it! #Fintech #AI #CustomerService

19

2 komentarze

85.8% of shareholders at the time of registration, were natural persons, while 14.2% were legal entities. What was the shareholder structure broken down into startup categories? Did Venture Capital funds appear already at the stage of establishing companies? We invite you to read the free report DEEPTECH STARTUPS POLAND 2023 👉 https://lnkd.in/dHTADgiC [EN] 👉 https://lnkd.in/dadCp3nM [PL] prepared by Taylor Economics and the author's team: Michal Przybylowski, PhD, Piotr Tamowicz PhD, Michał Bańka Ph.D, Darek Lubomski, Anna Zamojska PhD. The report’s partners are the Polish Agency for Enterprise Development, Accelpoint, PKO Bank Polski and the Pomorski Park Naukowo-Technologiczny Gdynia / Pomeranian Science and Technology Park Gdynia #startup #hightech #venturecapital #poland #deeptech

5

What are the top #magento eCommerce agencies in Poznań? There are a few, but IMO one of the “toppest” ones is Fabrity Commerce, formerly known as Panda Group. And Fabrity Commerce has just switched to Apropo for their project estimates, saying goodbye to #Excel - we are happy to have you guys with us! 👏 👏 👏 I’d like to give a shoutout on this occasion to one of Fabrity Commerce’s values that I particularly believe in: #transparency 💡 They are very transparent with their clients. They believe that transparency can prevent a lot of problems from happening. In fact, a lot of problems escalate 𝙿̲𝚁̲𝙸̲𝙼̲𝙰̲𝚁̲𝙸̲𝙻̲𝚈̲ because of lack of transparency about the risks. 👉 If you’re looking for an #eCommerce agency that will be upfront with you, you now know that it’s the top value at Fabrity Commerce. Transparency was also was one of their reasons for switching to our tool. Here’s what Szymon Niedziela, CEO at Fabrity Commerce, says about the outcomes from switching from #Excel to Apropo: “𝙊𝙪𝙧 𝙘𝙡𝙞𝙚𝙣𝙩𝙨 𝙡𝙤𝙫𝙚 𝙩𝙝𝙚 𝙩𝙧𝙖𝙣𝙨𝙥𝙖𝙧𝙚𝙣𝙘𝙮 𝘵𝘩𝘢𝘵 𝘵𝘩𝘦 𝘦𝘴𝘵𝘪𝘮𝘢𝘵𝘪𝘰𝘯𝘴 𝘥𝘰𝘯𝘦 𝘪𝘯 𝘈𝘱𝘳𝘰𝘱𝘰 𝘱𝘳𝘰𝘷𝘪𝘥𝘦. 𝘞𝘦 𝘶𝘴𝘦𝘥 𝘌𝘹𝘤𝘦𝘭 𝘧𝘰𝘳 𝘵𝘩𝘢𝘵 𝘣𝘶𝘵 𝘈𝘱𝘳𝘰𝘱𝘰 𝘵𝘢𝘬𝘦𝘴 𝘪𝘵 𝘵𝘰 𝘢 𝘸𝘩𝘰𝘭𝘦 𝘯𝘦𝘸 𝘭𝘦𝘷𝘦𝘭. 𝘞𝘦 𝘤𝘢𝘯 𝘢𝘭𝘴𝘰 𝘣𝘶𝘪𝘭𝘥 𝙧𝙚𝙥𝙚𝙖𝙩𝙖𝙗𝙡𝙚 𝙦𝙪𝙤𝙩𝙚 𝙘𝙤𝙢𝙥𝙤𝙣𝙚𝙣𝙩𝙨 𝘸𝘩𝘪𝘤𝘩 𝘴𝘱𝘦𝘦𝘥𝘴 𝘶𝘱 𝘵𝘩𝘦 𝘸𝘰𝘳𝘬. 𝘖𝘯 𝘵𝘰𝘱 𝘰𝘧 𝘵𝘩𝘢𝘵, 𝘸𝘦 𝘧𝘪𝘯𝘢𝘭𝘭𝘺 𝘩𝘢𝘷𝘦 𝘢 𝙨𝙞𝙣𝙜𝙡𝙚 𝙥𝙡𝙖𝙘𝙚 𝙩𝙤 𝙢𝙖𝙣𝙖𝙜𝙚 𝙖𝙡𝙡 𝙤𝙪𝙧 𝙦𝙪𝙤𝙩𝙚𝙨.” 💡 Thank you Szymon and the Fabrity Commerce team! You really deserve credits for your dedication to transparency. We wish you a lot of time saved and good deals with Apropo! 💰

15

8 komentarzy

Millions of users and the highest Brand Power score for #BLIK. Surprised?   I'm not. Why? Because I've seen it all from the inside. Together with my incredible team, I’ve spent countless hours in meetings, analyzing data, comparing insights, and brainstorming – all to create a system that truly meets our users' needs. All that hard work has paid off, making BLIK synonymous with quick and reliable payments.   The latest Q2 2024 Kantar Brand Condition Survey shows BLIK leading the way with the highest Brand Power score of nearly 44% among users aged 18-65. That’s almost double the score of global competitors who have been in the market for years. 🏆   Seeing our dedication resonate with users is incredibly rewarding. BLIK’s reputation for convenience, speed, and security in payment processing highlights the impact of our efforts. I’m motivated to keep pushing further and reaching higher. I’m pretty sure the numbers can only keep climbing from here.   #CustomerSatisfaction #BrandPower #BLIKonTop #lovebrand #thankyouteam #siłamarki

179

8 komentarzy

Companies that do not use AI will have a significant competitive problem. 🚨   In conversation with Wirtualnemedia.pl at this year’s Meta Marketing Summit I shared my personal perspective on the role of Meta’s AI solutions and creativity for advertisers during peak season including these 3 key insights:   📈A large share of profit is dependent directly on your creative assets! Especially if companies have optimized every step to achieve the best possible campaign effectiveness.   🎨Creative diversification is an important element to your competitive advantage. Looking at its production efficiency AI tools can speed up the entire creative process - in some cases up to 10x faster.   📱Video content already accounts for half of all time spent on Instagram. Taking advantage of its ad placement and utilizing creatives specifically for #reels is a must.    More intel shared in my interview here (beware it is in polish): https://lnkd.in/dRzNnytJ #Meta #advertising #performance #Creativity

71

4 komentarze

TUATARA will be present on the IT@Bank 2024 conference, discussing our approach and expertise for AI Governance in the financial industry. I believe it's worth meeting Tomasz Kostrzab there for a chat on how to implement AI solutions compliant with regulations such as #AIAct, while maximising business value. #aigovernance #banking #genai

13

Lithuanian startup Softloans raised a $1 million pre-seed from FIRSTPICK to boost the loan approval in Lithuania. Lithuanian startup #Softloans has just secured a significant €1 million pre-seed investment round led by #FIRSTPICK. Founded in 2022 by Audrius Griskevicius, Edmundas Kevisas, and Aleksandras Kunickas, Softloans is on a mission to revolutionize financing for small and medium-sized enterprises (SMEs). Their platform offers a suite of financing tools, from data collection to risk assessment, aimed at facilitating revenue-based lending for web-based merchants and digital service providers. With the aim to bridge the gap between global e-commerce giants and SMEs, Softloans' innovative approach to embedded financing allows businesses to easily access loans through the digital platforms they already use for their operations. This means quick and accurate risk assessment for e-shops, followed by automated monitoring and repayment processes. In just two years, Softloans has already amassed around 1,000 corporate clients spanning across Lithuania, Latvia, Estonia, the Netherlands, Finland, and Poland. Their rapid growth underscores the demand for accessible financing solutions in the digital marketplace. FIRSTPICK, the lead investor in this round, is a prominent #VC fund and accelerator specializing in early-stage tech startups across the Baltics. With a focus on #fintech, SaaS, deeptech, and consumer marketplaces, FIRSTPICK boasts a diverse portfolio of successful ventures. Their willingness to invest up to €1 million in a single company through follow-on rounds speaks to their confidence in Softloans' potential. This investment not only validates Softloans' innovative approach but also paves the way for further expansion and development. As they continue to empower SMEs with accessible financing solutions, Softloans is poised to make a significant impact in the global digital economy. The article on Vestbee in the first comment. Want to stay up to date with the market? Here my newsletter: - Linkedin: https://t.ly/s541W   - Substack: https://lnkd.in/dzfGJzmW

2

2 komentarze

I am happy that i could contribute to e-book accompanying RETAIL CHALLENGE POLAND 2025 giving some thoughts on application of AI in Revenue Management. Looking forward to discussion on this topic also during the conference. #retail #ecommerce #revenuemanagement #simonkucher #brave #retailchallenge #assortment #stock

14

🌍📈 As the Director of Innovation, I'm always on the lookout for the latest trends and insights that can help thought leaders and C-level executives stay ahead of the curve. Today, I want to talk about the growing importance of Environmental, Social, and Governance (ESG) factors in the financial industry. 🌱💼 According to recent articles, ESG considerations are becoming integral to the financial market, with regulations and investor preferences driving the need for companies to adapt. In fact, ESG ratings are now nearly as crucial as returns for Canadian investors when choosing investment funds. [2] 📊🇨🇦 ESG factors are no longer just an ideological concept, but they have a real impact on the long-term profitability of companies. This is why financial investors must prioritize ESG-related due diligence in dealmaking. When evaluating potential acquisitions or investments, sponsors need to consider the ESG regulations applicable to the target company and assess the target's compliance and governance frameworks. These considerations can impact the sponsor's assessment of the target's attractiveness and may require seeking contractual protections. 💼💡 ESG reporting requirements are also increasing for companies, including sponsors and their potential acquisition targets. Large companies in the EU will need to report detailed sustainability information starting in 2025, while new laws in California will require comprehensive climate reporting for larger companies by 2026. 📈🌍 But it's not just about financial investors and companies. ESG factors are also crucial for the public sector and communities. [3] By integrating ESG principles and practices into their operations, policies, and procurement, the public sector can deliver sustainable outcomes that benefit their own performance and reputation, as well as the long-term wellbeing and resilience of the communities they serve. 🏛️🌱 So, what does this mean for you? Whether you're a financial investor, a company, or part of the public sector, it's clear that ESG factors are here to stay. Embracing ESG practices can not only attract investors and improve financial performance but also contribute to a more sustainable and resilient future. 🌍💼 Let's start a conversation! What are your thoughts on the growing importance of ESG factors? How do you see ESG impacting your industry or organization? Share your insights and let's work together towards a more sustainable future. 💬🤝 #ESG #sustainability #financialindustry #publicsector #thoughtleaders #innovation References: [1] ESG-Related Due Diligence Is Paramount for Financial Investors: https://lnkd.in/djXGQWsw [2] ESG ratings nearly as crucial as returns for Canadian investors, study finds: https://lnkd.in/d2cGf3Aq [3] How ESG factors can create sustainable outcomes for the public sector and communities: https://lnkd.in/dPdZGgzH

3

Last week at Mobey Forum, I had a very insightful discussion about platform strategy with Anna Grechowicz-Dorosz from Credit Agricole Bank Polska S.A. Anna shared some enlightening insights on overcoming challenges in cross-selling between different business lines. One standout point was how Credit Agricole ensures that customers are recognized across the entire ecosystem when enrolling in any service. This seamless integration is critical to their operational model. Anna emphasized the underestimated value of working closely with VAS providers. This collaboration has become a crucial element, driving faster development within the bank. The platform they built has significantly sped up their processes. Their recipe for a fast launch includes rapid delivery, SSO, and context integration between systems. Interestingly, they emphasize functionality over perfection while building their WEB portal. As for now, a few mobile processes have been created to start onboarding processes to Strefa Biznesu, so they have a WEB solution with mobile onboarding. The idea of Strefa Biznesu is an example of an approach that will be closely monitored at the group level for potential adoption by other entities. I wish Anna and Credit Agricole continued success on their innovative journey! --- Ready for digital excellence? WislaCode's software development expertise has empowered leading companies. Let’s collaborate. 🚀 DM me. #Fintech #Innovation #Banking #CustomerExperience

24

5 komentarzy

🔥On October 9th, at the first edition of the #AISummitPoland2024 conference, I will participate in the panel discussion titled "Are Polish companies ready for the AI revolution?" moderated by Przemyslaw Gamdzyk, CEO and Meeting Designer at Evention. Along with Jakub Borowiec, Partner and Leader of the Analytics & AI team at PwC, Andrzej Sobczak, Professor at the Warsaw School of Economics, Szymon Walach, Vice President for Digital and Strategy at InPost, and Marek Wilczewski, Managing Director for Information, Data, and Analytics at Grupa PZU, we will discuss: 👉       whether Polish enterprises are ready to implement AI-based solutions; 👉       traditional industries that have been hesitant to adopt technological innovations and whether they can effectively implement AI; 👉       the requirements of the AI revolution and the gaps that Polish companies need to address in IT infrastructure and organizational competencies. The #AISummitPoland2024 conference focuses on the potential of artificial intelligence, the challenges that its rapid development poses for organizations, and whether they will be able to compete in an increasingly demanding market if they do not take action in this direction. You can read more about the conference here: https://lnkd.in/d6hPuzSK #AISummitPoland #AIrevolution #AIpotential #AIchallenges #techrevolution #innovations 

104

2 komentarze

Here's the second part of our conversation with Katarzyna Sowicka about content marketing! Today, you'll hear specifics – which tools work best, which reports and books are worth looking at to expand your knowledge? How do you build pillar content and distribute content according to the sales funnel? We ask – Kasia answers. 🚀 🔗 https://bit.ly/3XzIir4 #flyingwithshopify #contentmarketing #contentmarketingtips #ecommercemarketing

11

⚡ Hey everyone! On April 30th, specially for startup founders together with Sasha Reminnyi 🇺🇦 & Taras Barshchovskyi at Startup Depot. Lviv Business Incubator and Coworking we'll dive deep into the secrets of attracting investments for your startup 💼 I'd like you to discover the different types of investors and find the perfect match for your venture. Here's what you can expect: ✔️ Learn how to evaluate your startup's strengths and weaknesses to unlock its investment potential; ✔️ Avoid common pitfalls that might scare off potential investors; ✔️ Gain invaluable insights and advice from seasoned experts who have been there and done that. Register via the link in comment. See you there! ✨ #startupdepot #eventlviv #startup #investment #workshop

24

2 komentarze