iFactor | Your Money. Faster
Cosmin Curticapean has a diverse work experience spanning various roles and industries. Cosmin is currently a Board Member and Vice President & Business Angel at TechAngels Romania, where they have been actively involved since 2019. Cosmin is also a Board Member at the Romanian Fintech Association since 2020.
In 2016, Cosmin founded iFactor | Your Money. Faster, where as the CEO and Co-founder, they built a team of experienced professionals from the software, deep tech, finance, and legal space. The company aims to help business owners optimize their processes and have faster access to their cash.
Cosmin is also a Mentor at the Founder Institute since 2018. As part of the Romanian chapter, they advise startups on revenue models, growth, and overall strategy.
Additionally, Cosmin is a Co-Founder of Dox Group, a software development company that acts as an offshore strategic partner to global companies. The company specializes in developing complex applications in various categories.
Overall, Cosmin has demonstrated their expertise in entrepreneurship, business development, fintech, and software development throughout their career.
Cosmin Curticapean's education history includes the pursuit of an Artificial Intelligence in Finance degree at CFTE - Centre for Finance, Technology and Entrepreneurship. This educational endeavor commenced in 2018 and is ongoing. In terms of certifications, Cosmin obtained the CFTE certification in October 2018, as well as the Oxford Fintech Programme certification from The University of Oxford Saïd Business School in June 2018. Additionally, in June 2017, Cosmin obtained a certification in Domestic and International Factoring from Factors Chain International Amsterdam.
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iFactor | Your Money. Faster
The iFactor solution is an ESG oriented proprietary technology that addresses SMEs issues through two channels:First, iFactor has designed a robust AI/ML technology solution and dynamic proprietary modeling, improving the credit risk assessment using a wide range of alternative data, including KYC and AML processes validated by banks. Thisleads to improved cost efficiency for lending to SMEs while reducing the risk of fraud and default and speed up the process through automation. Turning “Thin file” SMEs into Strengthened Files, for lenders Second, a hybrid marketplace where different lenders (banks, investors and companies) will bid for the right SME loans applications with the right credit score, enabling and improving capital allocation in matching the lender's risk appetite. The KYC and credit risk ratings are performed with the same technology: iFactor Advanced KYC and iFactor Pure Analytics based on Alternative data, while the money transfers are performed by iFactor Setl, our Open Banking PSD 2 or E-money Payment Initiation Service engine.