Combine

Combine was a fintech company established in Barcelona, Spain, in 2016 by co-founders Denis Moskalets and Irakli Agladze. The founders brought experience from their time at Octoberry LLC, a Russian consultancy focused on agile software development. Their venture into the personal finance space began after graduating from the Startupbootcamp accelerator in Barcelona, which also acted as an institutional investor. The company successfully raised a total of $291,000 through two funding rounds, including a notable angel round of $235,000 in August 2017.

The core of Combine's business was a mobile application designed as a comprehensive financial assistant. The app targeted individuals seeking a unified view of their financial health by enabling them to connect and monitor multiple bank accounts across different countries. Its primary function was to aggregate financial data, allowing users to track transactions and view expenses in one place. The platform incorporated an AI-powered bot that analyzed user spending habits to provide personalized savings recommendations and sent alerts for upcoming payments and dues. After its initial launch and funding, Combine announced plans to expand its services to markets in Hong Kong and Singapore in 2018. However, despite its early traction and international expansion efforts, the company has since ceased operations and is considered deadpooled.

Keywords: personal finance, fintech, mobile banking, financial assistant, expense tracking, multi-account aggregation, budgeting app, AI finance, savings tips, Denis Moskalets, Irakli Agladze, Startupbootcamp, deadpooled, neobank, challenger bank, financial management, wealth management, mobile payments, digital wallet, account aggregation