Build Your Startup in Our Innovation Verticals.
Innovating Inclusive Finance
Empowering Access through Disruption
Unlocking Financial Freedom:
The world doesn't need another neobank. It needs a revolution.
Despite all the innovation in finance, millions still live outside the system—excluded by cost, complexity, or lack of access.
The traditional financial world wasn’t built for them. But you can help build what comes next.
At Kolab, we're looking for founders ready to break barriers—by leveraging open finance, alternative lending, and embedded fintech solutions that empower people and small businesses with tools, knowledge, and control over their financial lives.
Do you want to be a hero in this story?
Let’s design the future of finance—fairer, smarter, and truly inclusive.
Challenge Tracks:
1. Financial Literacy & Behavioral Tools
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Apps that teach financial skills in simple, gamified formats.
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Personalized coaching tools powered by AI for financial decision-making.
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Educational platforms that promote healthy money habits early in life.
2. Open Finance & Open Banking
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Platforms that aggregate financial data across institutions.
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APIs that give users control over and access to their financial data.
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Tools that enable personalized comparisons of financial products.
3. Alternative Credit Scoring & Lending
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Credit models based on alternative data (e.g., utility payments, mobile behavior, etc.).
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Automated microloans for underserved individuals or small businesses.
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Peer-to-peer lending platforms with a focus on financial inclusion.
4. Embedded Finance
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Financial services integrated into non-financial platforms (e.g., retail, mobility, education).
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Digital wallets embedded in mass-consumer apps.
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Embedded credit or insurance offerings in B2B platforms for SMEs.
Transforming Trade
Innovating Logistics and Supply Chains for a Resilient Future
Building Resilience at the Core
Supply chains shape the world
From geopolitical instability to outdated infrastructure and unsustainable practices, the system that moves the global economy is at a crossroads.
But within these challenges lies opportunity: to rethink, rewire, and rebuild smarter.
At Kolab, we’re backing founders ready to reshape how goods move—by building technology that makes supply chains faster, cleaner, and more resilient through innovation, nearshoring, and regional collaboration.
Solution Tracks:
1. Nearshoring Enablement
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Platforms that connect North American buyers with regional suppliers.
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Digital sourcing tools that match demand with local manufacturing capacity.
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Marketplaces and tools for certifying regional vendors for global quality standards.
2. Supply Chain Visibility & Traceability
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Real-time tracking systems for inventory, cargo, and vehicles.
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Blockchain-based traceability for origin, compliance, and carbon footprint.
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Predictive analytics to forecast delays, shortages, or disruptions.
3. Smart Warehousing & Fulfillment
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Automation solutions for inventory handling, picking, and sorting.
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Micro-fulfillment centers optimized for last-mile efficiency.
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Warehouse management platforms powered by AI and IoT.
4. Last-Mile & Urban Logistics
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Route optimization tools for sustainable last-mile delivery.
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Electric or low-emission delivery fleet management solutions.
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Logistics-as-a-service platforms for small merchants and DTC brands.
Intelligent
Retail
Harnessing Technology for Seamless Operations.
Reinventing the Way We Buy:
Retail is no longer just about selling—it’s about creating experiences.
Consumers expect speed, personalization, and seamless interactions across every touchpoint. Yet many retailers struggle with outdated systems, scattered data, and rising operational complexity.
At Kolab, we’re looking for the builders who see these challenges as opportunities—to create smarter, simpler, and more human retail experiences powered by intelligent technologies.
Solution Tracks:
1. Personalized Customer Experiences
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AI-driven recommendation engines for e-commerce and in-store.
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Customer data platforms (CDPs) that unify profiles across channels.
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Virtual try-ons, fit prediction, and AR shopping tools.
2. Inventory & Demand Forecasting
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Predictive analytics to optimize stock levels and reduce overstock or stockouts.
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Real-time demand tracking and supply chain synchronization.
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Inventory management platforms for omnichannel retail.
3. Omnichannel Retail Enablement
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Unified platforms that connect online and offline sales seamlessly.
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In-store tech that syncs with digital experiences (e.g., QR-based product info, mobile checkout).
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Click & collect, same-day delivery, and flexible return logistics.
4. Retail Automation & Operations
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Self-checkout and cashierless store solutions.
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AI-powered POS and store management systems.
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Automated back-office processes for procurement, pricing, and compliance.
Smart & Inclusive Healtech
Revolutionizing Care Through Technology
Healthcare should heal—not overwhelm.
For millions, care remains delayed, disconnected, or out of reach. Meanwhile, providers battle rising costs, administrative burdens, and outdated systems that block better outcomes.
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At Kolab, we believe software and data-driven innovation can transform healthcare, making it smarter, faster, and more inclusive.
We are looking for founders building asset-light, scalable solutions that deliver real-time insights, better workflows, and human-centered care, especially for underserved communities and chronic patients.
Solution tracks:
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Remote Patient Engagement & Virtual Monitoring
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Platforms that allow patients to self-report health data through apps and chatbots.
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AI-driven early warning systems that predict health risks from patient-reported outcomes.
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Digital care coordination tools to connect patients with providers without hardware dependency.
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2. Digital-First Primary and Preventive Care
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Virtual-first clinics for general and specialized care (chronic, behavioral, preventive).
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AI triage platforms that assess symptoms and guide patients to the right level of care.
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Health literacy and prevention apps are designed for low-data, mobile-first environments.
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3. Healthcare Workflow Automation
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AI-driven assistants for clinical documentation, coding, billing, and appointment setting.
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SaaS solutions that automate back-office tasks in clinics, hospitals, and insurers.
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Integration platforms that unify EHR, CRM, and other health systems without custom hardware.
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4. Predictive and Personalized Health Insights
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Data platforms that predict patient risks based on existing EHR and claims data.
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Digital therapeutics (DTx) apps for managing chronic conditions through evidence-based interventions.
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Personal health management apps offering tailored preventive care and lifestyle coaching.