People get turned down for financial services all the time when relying on information from traditional routes like credit reference agencies.

Hello Soda’s software thoroughly analyses all data to give more accurate scores, allowing for informed decisions in areas like credit risk.

See more of our 101 tech start-up disrupters here. For more trend-setting businesses and their Tech 1sts, head here.

And check out our 101 rising stars of tech - the exciting firms which did not make the main list but have the potential to grow.