About Us

Above & Beyond Tech is a FinTech company based in Miami, USA dedicated to creating a global financial ecosystem and accelerating the digital transformation of the financial industry.

a&b’s proprietary platform, 4wrd, creates a global marketplace for Fintech solutions. It is designed to provide secure, scalable, and painless integration to Fintech solutions via APIs. Through 4wrd, financial institutions, mobile money providers and other relevant players get access to a universe of Fintech solutions through a single connection to the platform. Once a party is plugged into 4wrd, it can easily connect to several Fintech solutions, banks, mobile wallets and more at once.

Want to learn more about 4wrd? Click here 

Dutch development bank. As a leading impact investor FMO supports sustainable private sector growth in developing countries and emerging markets by investing in ambitious projects and entrepreneurs. FMO believes that a strong private sector leads to economic and social development, and has a 45-year proven track record of empowering people to employ their skills and improve their quality of life. FMO focuses on three sectors that have high development impact: financial institutions, energy, and agribusiness, food & water. With a committed portfolio of EUR 9.0 billion spanning over 92 countries, FMO is one of the larger bilateral private sector developments banks globally and aims to be preferred partner to invest in local prosperity.

Fintech can help FMO achieve its goals since it is a key driver for financial inclusion. Fintech solutions have the potential to rapidly close financing gaps for small- and medium-sized entrepreneurs, smallholder farmers and youth. Therefore, FMO has a Fintech team in place to support its existing financial institutions client base to leverage Fintech solutions; to invest in Fintech companies that have inclusive business models; and to digitize FMO’s own business model to make it future proof. 

For more information please visit www.fmo.nl.

Arise is a leading African investment company that partners sustainable, locally-owned Financial Services Providers in Sub Saharan Africa. The company was founded by three cornerstone investors namely Rabobank, Norfund and FMO.

Their vision is to contribute to the economic growth in Africa and the prosperity of its people by increasing financial inclusion and employment, strengthening rural development and reducing poverty alleviation.

Want to learn more about Arise? Click here 

Our Team

Huib-Jan de Ruijter

Director Financial Institutions
FMO

Andrew Shaw

Senior Capacity Development Officer
FMO

Jorge Ruiz

Co-Founder & CEO
Above & Beyond Tech

Mauricio Lorenzetti

Co-Founder & CTO
Above & Beyond Tech

Lonneke Noteboom

FinTech Analyst
FMO

Sander Verhulp

Investment Officer
FMO

Anabella Rojas

Global Project Manager
Above & Beyond Tech

Sherezade Rodriguez

 Marketing & Communications Head Above & Beyond Tech

Jorge Javier Eguino

Ecosystem Development Head
Above & Beyond Tech

Pim Engels

Investment Officer
FMO