If they are one or separate legal entities, the fact remains it is publicly disclosed and the legal reasons behind are not mentioned - it is hard as mentioned - time is better spent on more important things if it will cost a lot of time. The team founded Spectro Finance and the companies within it are SpectroCoin, Bankera - that's the point of the quotes, who in the team works in which product or if someone carries responsibilities in both, that does not make a difference.
The ICO was created for more capital as capital is needed for banking services/products such as Bankera Loans.