Making it easy for app developers to package up features, Kumulos has customers in 18 countries.

The Scottish firm delivers a monthly recurring service, bundled up as an integrated platform – which makes it 40 per cent faster to set up than competitors.

On average, Kumulos’ white-label features create £6-£10 revenue for every £1 spent.

See more of our 101 tech start-up disrupters here.

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