The financial services industry is facing a wave of digital disruption that is starting to reshape the sector. The Fintech 100 celebrates the top companies this bold new space: the 50 leading established players creating change within financial services, and 50 of the emerging fintech stars of tomorrow.
The Fintech 100 offers an in-depth view of the most exciting startups and organisations taking advantage of technology to revolutionise the industry. The report is a collaborative effort between H2 Ventures and KPMG.
01 众安保险 - 定制保险
ZhongAn is an innovative online property insurance company. They utilize big data technology to assist with product design, automatic underwriting, auto claims, precision marketing and risk management. Founded in 2013 in Shanghai, ZhongAn Insurance is the first company in China to be issued an internet (online) insurance license. The company is a joint venture between: Alibaba Group Holding (an e–commerce company), Tencent Holdings (an online gaming and social networking company) and Ping An Insurance. ZhongAn offers wide range of online insurance services to the Chinese market, catering to all socio economic groups, with a major focus on travel, accident and health.
04 趣分期 - Helping students establish the right values in spending and credit
“Beijing–based Qufenqi.com, recently completed US$ 9–digit Series E funding round and will soon announce investors and specific funding amounts. We also rolled out a new product, “Quzu,” which allows users to pay their apartment rent in installments” - Min Luo, CEO
Qufenqi is an electronics retailer that offers monthly installment payment solutions to the students and professionals in China. The company primarily offers smart phones, laptops and other consumer electronics online, allowing customers to choose their own down payment option and the time period for making regular monthly installments. Customers have to close the installments within two years of the purchase. The business model is tailored for students and young white collar workers, with the final price and monthly required payments shown transparently on the product page.
11 陆金所 - open marketplace for financial products
Shanghai Lujiazui International Financial Asset Exchange (“Lufax”) is an online marketplace for the origination and trading of financial assets. Lufax has grown into China’s largest internet finance company in less than four years. Lufax takes advantage of the latest big data and IT technologies, and leverages the most advanced risk assessment models and risk control systems.
39 WeCash 闪银奇异 the fist online credit assessment platforms and solutions in China
Wecash is China’s first Internet credit assessment company that provides solutions for technology companies. The development of Wecash is currently the most advanced big data platform credit assessment, using machine learning algorithms to provide credit assessments in under fifteen minutes. Their singular commitment to eliminate information asymmetry with big data, provides faster, more accurate credit decisions. By relying on data mining analysis and machine learning technology, the information submitted by
the applicant is used to identify and combine personal, social behavior and massive internet information on the personal credit score online.
40 房多多 O2O Platform for Real estate powered by agents
FangDD offers an online platform through which home buyers and home sellers can directly connect to each other, working on a “”pay-for-performance”” business model. The goal is to provide accurate information about properties, services and transactions to create an open, cooperative, coexistent and mutually beneficial industrial pattern. In the first 6 months of 2015, more than US$8b worth of real estate transactions took place using this platform. The company’s O2O internet real estate marketing platform is based on big data technology. It integrates online and offline property businesses and buyers on
a single platform, allowing user friendly property transaction services. FangDD follows a business model of pay–for–performance, catering to customers across 50 cities in China, including Beijing, Shanghai and Shenzhen.
45 积木盒子 Marketplace Leading Platform
Jimubox is a Beijing-based marketplace lending platform that provides small and medium enterprise loans and individual consumption loans to under banked Chinese borrowers. Jimubox delivers safe and attractive investment opportunities to RMB investors through an innovative online marketplace which leverages transparency and technology to ensure investor safety.
47 融360 financial product research and recommendation to consumers and micro companies
Rong360 is China’s leading financial vertical search platform. They are committed to providing financial searches of financial products to consumers and small businesses, giving recommendation and application services, business scope cover loans, credit cards and financial management. Rong360 is free for the user, which provides convenient, cost-effective, secure financial information services, and is currently the most extensive coverage in Beijing, as well as the largest financial service users search platform.
02 Oscar - smart simple health insurance
The Oscar team is focused on utilizing technology to simplify the entire healthcare experience. A team of technology and healthcare experts looked at the current state of the US healthcare system, and were frustrated by the horrible consumer experience. In response, they decided to reinvent how healthcare is delivered. They are reinventing how to manage care, process medical claims, control healthcare costs, and provide transparency. With all the complexity hidden behind an easy experience for members. Oscar is making the healthcare system simple, smart and friendly.
03 Wealthfront - the most-efficient, low-cost, hassle-free way to invest
Wealthfront is an automated investment service which combines world-class financial expertise and leading edge technology to provide sophisticated investment management at prices that are affordable for everyone. Wealthfront makes it easy for anyone to get access to world-class, long-term investment management without the high fees or steep account minimums. Their mission is to provide access to the same high quality financial advice offered by major financial institutions and private wealth managers, like tax-loss harvesting, without the high account minimums or costs.
05 Funding Circle - better for business, better for investors, better all round
“Our vision is to help millions of businesses across the world sidestep the outdated and inefficient banking system and borrow from investors.” - Samir Desai, Co-Founder & CEO
Funding Circle was created with one big idea; to revolutionise the outdated banking system and secure a better deal for everyone; with offices in the UK, US, Germany, Spain and the Netherlands. Funding Circle is the world’s leading marketplace exclusively focused on small businesses, providing a platform where investors can browse businesses that Funding Circle has credit assessed and approved for lending. Once approved, businesses post their loan request on the Funding Circle marketplace. It is here that investors choose which type of business to lend to, the amount of money they wish to lend, and the interest rate they want to earn.
06 Kreditech - digital banking for everyone
“In three years, Alexander and I have built Kreditech into an industry leader tackling a serious mission in a very innovative way — and it works.” - Sebastian Diemer, Co-Founder
Kreditech Group is a technology company that delivers a range of custom- tailored financial services with a focus on under banked consumers across the globe. Kreditech uses big data, proprietary algorithms and automated workflows to acquire, identify and underwrite customers within seconds. Automated processes combined with self-learning algorithms ensure fast and convenient customer service, minimizing cost and human error while continually improving by incorporating new customer data.
07 Avant - know what you borrow
Avant is a fast-growing marketplace lending platform that is lowering the
costs and barriers of borrowing for consumers. Through the use of big data
and machine-learning algorithms, the company offers a unique and highly customized approach to streamlined credit options. At its core, Avant is a tech company that is dedicated to creating innovative and practical financial products for all consumers.
08 Atom - we think it's time someone breathed new life into banking
Atom Bank is a new digital banking system, authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA). They offer an app-based experience, using leading technology. The digital world is constantly changing and Atom will be changing banking too. Atom Bank is based in the UK and doesn’t have any branches, instead you can do all your banking on your phone, 24/7. Their aim is to breathe new life into banking.
09 Klarna - simplifying buying
Klarna is one of Europe’s leading providers of payment solutions for e-commerce. Klarna separates buying from paying by allowing buyers to
pay for ordered goods after receiving them, providing them with a safe after delivery payment solution. At the same time, Klarna assumes all credit and fraud risk for e-stores so that sellers can rest assured that they will always receive their money. Klarna’s vision is to enable trust and to offer a frictionless buying experience to buyers and sellers across the world.
10 Our Crowd - a better way to invest in startups
OurCrowd is the world’s leading equity crowdfunding platform for accredited investors to invest in Israeli and global companies. Managed by a team of seasoned investment professionals and led by serial entrepreneur Jon Medved, OurCrowd vets and selects opportunities, invests its own capital and brings startups to its accredited membership of 10,000 global investors. OurCrowd provides post-investment support to its portfolio companies, assigning industry experts as mentors and taking board seats.
Robinhood is a new way to invest in the stock market. They believe that everyone should have access to the financial markets and are on a mission to inspire a new generation of investors. Robinhood is a stock brokerage that allows customers to buy and sell US stocks and ETFs with zero commission. They cut out the fat that makes other brokerages costly — hundreds of storefront locations and manual account management.
13 Square - now everyone can accept credit cards
Square helps anyone take care of their business. Their service supports your entire business, from a register in your pocket to reports on your laptop. Square’s register service is a full point of sale with tools for every part of running a business, from accepting credit cards and tracking sales and inventory to small-business financing. Customers also use Square Cash, the easiest way to send and receive money, and Square Order, a new way to pre-order food and drinks for pickup.
14 Motif Investing - step up to a new world of investing
Motif Investing is a concept-driven trading platform that allows you to act on your investing desires—whether it’s a hot trend like “robotics revolution,” a trading strategy like “buy the dip,” or an investment style like “Ivy League endowment.” They make it easy to act on these concepts by turning them into motifs— intelligently weighted baskets of up to 30 stocks or ETFs. Based in Silicon Valley they are changing the face of online investing. Their social platform is transparent and allows individuals and investment advisors to invest in stock and bond portfolios built around everyday ideas and broad economic trends, as well as creating brand-new motifs from scratch.
15 Xero - beautiful accounting software
Xero is changing the game for small businesses with easy-to-use online accounting software. The cloud-based software connects people with the right numbers anytime, anywhere, on any device. For accountants and bookkeepers, Xero helps build a trusted relationship with small business clients through online collaboration. It includes a full accrual accounting system with a cashbook, automated daily bank feeds, invoicing, debtors, creditors, sales tax and reporting. Xero is designed to be the accounting engine for your small business, giving you real time access to your financial data and access for your accountant or bookkeeper for quicker, easier collaboration at any point.
Stripe - the best way to accept payments
Stripe provides a developer-friendly way to accept payments online and in mobile apps direct to your bank accounts from a range of local and international cards. Processing billions of dollars a year for thousands of companies of all sizes. The Stripe platform is designed for businesses of all sizes: from public launch to public company, and handles billions of dollars a year for forward- thinking businesses around the world. Stripe is built for developers, makers and creators. They believe that enabling frictionless transactions is a problem rooted in code and design, not finance. Their robust, clean Application Programming Interface lets users focus on building great products.
Collective Health - evolving your healthcare experience
Collective Health was founded to fix what was broken about the healthcare experience. They work as a technology company to improve health insurance by taking better care of their people; bringing together the best medical, pharmacy, dental and vision networks. Collective Health is combining intelligence, empathy and common sense to the health insurance experience.
24 Lending Club - the leader in peer to peer lending
Lending Club is the world’s largest online credit marketplace, facilitating personal loans, business loans, and financing for elective medical procedures and K-12 education and tutoring. Borrowers access lower interest rate loans through a fast and easy online or mobile interface. Investors provide the capital to enable many of the loans in exchange for earning interest. They operate fully online with no branch infrastructure, and use technology to lower cost and deliver an improved customer experience. Cost savings are passed onto borrowers in the form of lower rates and investors in the form of attractive returns. Lending Club is transforming the banking system into a frictionless, transparent and highly efficient online marketplace, helping people achieve their financial goals every day.
SoFi - so the life of your loan isn't your life
SoFi is reinventing consumer finance for the better. They are a leader in marketplace lending, with over $5 billion in loans issued to date. SoFi helps
early stage professionals accelerate their success with student loan refinancing, mortgages, mortgage refinancing, and personal loans. Their non-traditional underwriting approach takes into account merit and employment history among other factors, therefore offering products that can’t be found elsewhere. They offer individual and institutional investors the ability to create positive social impact on the communities they care about while earning compelling rates of return.
50 AngelList - where the world meets startups
AngelList is a platform for startups to raise money online, recruit and apply to incubators. They connect startups to angel investors whom they would not otherwise be able to find, and facilitate angel investment through features such as the formation of syndicates. AngelList startups connect to angel investors by creating a profile for their business on AngelList which will then show in
the feeds of angel investors. Angel investors are also able to form syndicates, whereby they pledge money to mirror the investment backing of prominent angel investors.
The Fintech 100 is a collaborative effort between H2 Ventures and KPMG and analyses the fintech space globally. The report highlights those companies globally that are taking advantage of technology and driving disruption within the financial services industry.
The benefits of being included on the list go beyond profile. This year, 10 of the top emerging fintech startups will be invited to attend a Fintech Summit in London to pitch their ideas to some of the world’s leading financial institutions, venture capital funds and investors. In addition they will receive professional services support from KPMG, plus membership and discounted deal-success rates with Matchi, the online fintech matchmaking platform.
The Fintech 100 consists of two separate lists: Top 50 Established Fintech List, and the 50 Emerging Stars.
The process for selecting the Top 50 Established Fintech List involves a universal search for the most innovative fintech companies. A comprehensive list is then created, with companies ranked based on four groups of factors: total capital raised, rate of capital raising, location and degree of sub industry disruption and the judging panel's subjective rating of the degree of product, service, customer experience and business model innovation.
The process for selecting the 50 Emerging Stars is necessarily subjective, and involves a search for largely ‘undiscovered’ fintech companies. The judges are looking for the players of the future – a diversity of companies from all over the world with fresh, new, disruptive ideas and industry solutions. The evaluation is far less about size and capital raisings than it is about having an “X factor”.
The financial services industry is facing a wave of digital disruption that is starting to reshape the sector. The Fintech 100 celebrates the top companies this bold new space: the 50 leading established players creating change within financial services, and 50 of the emerging fintech stars of tomorrow.
The Fintech 100 offers an in-depth view of the most exciting startups and organisations taking advantage of technology to revolutionise the industry. The report is a collaborative effort between H2 Ventures and KPMG.
01 众安保险 - 定制保险
ZhongAn is an innovative online property insurance company. They utilize big data technology to assist with product design, automatic underwriting, auto claims, precision marketing and risk management. Founded in 2013 in Shanghai, ZhongAn Insurance is the first company in China to be issued an internet (online) insurance license. The company is a joint venture between: Alibaba Group Holding (an e–commerce company), Tencent Holdings (an online gaming and social networking company) and Ping An Insurance. ZhongAn offers wide range of online insurance services to the Chinese market, catering to all socio economic groups, with a major focus on travel, accident and health.
04 趣分期 - Helping students establish the right values in spending and credit
“Beijing–based Qufenqi.com, recently completed US$ 9–digit Series E funding round and will soon announce investors and specific funding amounts. We also rolled out a new product, “Quzu,” which allows users to pay their apartment rent in installments” - Min Luo, CEO
Qufenqi is an electronics retailer that offers monthly installment payment solutions to the students and professionals in China. The company primarily offers smart phones, laptops and other consumer electronics online, allowing customers to choose their own down payment option and the time period for making regular monthly installments. Customers have to close the installments within two years of the purchase. The business model is tailored for students and young white collar workers, with the final price and monthly required payments shown transparently on the product page.
11 陆金所 - open marketplace for financial products
Shanghai Lujiazui International Financial Asset Exchange (“Lufax”) is an online marketplace for the origination and trading of financial assets. Lufax has grown into China’s largest internet finance company in less than four years. Lufax takes advantage of the latest big data and IT technologies, and leverages the most advanced risk assessment models and risk control systems.
39 WeCash 闪银奇异 the fist online credit assessment platforms and solutions in China
Wecash is China’s first Internet credit assessment company that provides solutions for technology companies. The development of Wecash is currently the most advanced big data platform credit assessment, using machine learning algorithms to provide credit assessments in under fifteen minutes. Their singular commitment to eliminate information asymmetry with big data, provides faster, more accurate credit decisions. By relying on data mining analysis and machine learning technology, the information submitted by the applicant is used to identify and combine personal, social behavior and massive internet information on the personal credit score online.
40 房多多 O2O Platform for Real estate powered by agents
FangDD offers an online platform through which home buyers and home sellers can directly connect to each other, working on a “”pay-for-performance”” business model. The goal is to provide accurate information about properties, services and transactions to create an open, cooperative, coexistent and mutually beneficial industrial pattern. In the first 6 months of 2015, more than US$8b worth of real estate transactions took place using this platform. The company’s O2O internet real estate marketing platform is based on big data technology. It integrates online and offline property businesses and buyers on a single platform, allowing user friendly property transaction services. FangDD follows a business model of pay–for–performance, catering to customers across 50 cities in China, including Beijing, Shanghai and Shenzhen.
45 积木盒子 Marketplace Leading Platform
Jimubox is a Beijing-based marketplace lending platform that provides small and medium enterprise loans and individual consumption loans to under banked Chinese borrowers. Jimubox delivers safe and attractive investment opportunities to RMB investors through an innovative online marketplace which leverages transparency and technology to ensure investor safety.
47 融360 financial product research and recommendation to consumers and micro companies
Rong360 is China’s leading financial vertical search platform. They are committed to providing financial searches of financial products to consumers and small businesses, giving recommendation and application services, business scope cover loans, credit cards and financial management. Rong360 is free for the user, which provides convenient, cost-effective, secure financial information services, and is currently the most extensive coverage in Beijing, as well as the largest financial service users search platform.
02 Oscar - smart simple health insurance
The Oscar team is focused on utilizing technology to simplify the entire healthcare experience. A team of technology and healthcare experts looked at the current state of the US healthcare system, and were frustrated by the horrible consumer experience. In response, they decided to reinvent how healthcare is delivered. They are reinventing how to manage care, process medical claims, control healthcare costs, and provide transparency. With all the complexity hidden behind an easy experience for members. Oscar is making the healthcare system simple, smart and friendly.
03 Wealthfront - the most-efficient, low-cost, hassle-free way to invest
Wealthfront is an automated investment service which combines world-class financial expertise and leading edge technology to provide sophisticated investment management at prices that are affordable for everyone. Wealthfront makes it easy for anyone to get access to world-class, long-term investment management without the high fees or steep account minimums. Their mission is to provide access to the same high quality financial advice offered by major financial institutions and private wealth managers, like tax-loss harvesting, without the high account minimums or costs.
05 Funding Circle - better for business, better for investors, better all round
“Our vision is to help millions of businesses across the world sidestep the outdated and inefficient banking system and borrow from investors.” - Samir Desai, Co-Founder & CEO
Funding Circle was created with one big idea; to revolutionise the outdated banking system and secure a better deal for everyone; with offices in the UK, US, Germany, Spain and the Netherlands. Funding Circle is the world’s leading marketplace exclusively focused on small businesses, providing a platform where investors can browse businesses that Funding Circle has credit assessed and approved for lending. Once approved, businesses post their loan request on the Funding Circle marketplace. It is here that investors choose which type of business to lend to, the amount of money they wish to lend, and the interest rate they want to earn.
06 Kreditech - digital banking for everyone
“In three years, Alexander and I have built Kreditech into an industry leader tackling a serious mission in a very innovative way — and it works.” - Sebastian Diemer, Co-Founder
Kreditech Group is a technology company that delivers a range of custom- tailored financial services with a focus on under banked consumers across the globe. Kreditech uses big data, proprietary algorithms and automated workflows to acquire, identify and underwrite customers within seconds. Automated processes combined with self-learning algorithms ensure fast and convenient customer service, minimizing cost and human error while continually improving by incorporating new customer data.
07 Avant - know what you borrow
Avant is a fast-growing marketplace lending platform that is lowering the costs and barriers of borrowing for consumers. Through the use of big data and machine-learning algorithms, the company offers a unique and highly customized approach to streamlined credit options. At its core, Avant is a tech company that is dedicated to creating innovative and practical financial products for all consumers.
08 Atom - we think it's time someone breathed new life into banking
Atom Bank is a new digital banking system, authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA). They offer an app-based experience, using leading technology. The digital world is constantly changing and Atom will be changing banking too. Atom Bank is based in the UK and doesn’t have any branches, instead you can do all your banking on your phone, 24/7. Their aim is to breathe new life into banking.
09 Klarna - simplifying buying
Klarna is one of Europe’s leading providers of payment solutions for e-commerce. Klarna separates buying from paying by allowing buyers to pay for ordered goods after receiving them, providing them with a safe after delivery payment solution. At the same time, Klarna assumes all credit and fraud risk for e-stores so that sellers can rest assured that they will always receive their money. Klarna’s vision is to enable trust and to offer a frictionless buying experience to buyers and sellers across the world.
10 Our Crowd - a better way to invest in startups
OurCrowd is the world’s leading equity crowdfunding platform for accredited investors to invest in Israeli and global companies. Managed by a team of seasoned investment professionals and led by serial entrepreneur Jon Medved, OurCrowd vets and selects opportunities, invests its own capital and brings startups to its accredited membership of 10,000 global investors. OurCrowd provides post-investment support to its portfolio companies, assigning industry experts as mentors and taking board seats.
12 Robinhood - commission-free, mobile-first stock brokerage
Robinhood is a new way to invest in the stock market. They believe that everyone should have access to the financial markets and are on a mission to inspire a new generation of investors. Robinhood is a stock brokerage that allows customers to buy and sell US stocks and ETFs with zero commission. They cut out the fat that makes other brokerages costly — hundreds of storefront locations and manual account management.
13 Square - now everyone can accept credit cards
Square helps anyone take care of their business. Their service supports your entire business, from a register in your pocket to reports on your laptop. Square’s register service is a full point of sale with tools for every part of running a business, from accepting credit cards and tracking sales and inventory to small-business financing. Customers also use Square Cash, the easiest way to send and receive money, and Square Order, a new way to pre-order food and drinks for pickup.
14 Motif Investing - step up to a new world of investing
Motif Investing is a concept-driven trading platform that allows you to act on your investing desires—whether it’s a hot trend like “robotics revolution,” a trading strategy like “buy the dip,” or an investment style like “Ivy League endowment.” They make it easy to act on these concepts by turning them into motifs— intelligently weighted baskets of up to 30 stocks or ETFs. Based in Silicon Valley they are changing the face of online investing. Their social platform is transparent and allows individuals and investment advisors to invest in stock and bond portfolios built around everyday ideas and broad economic trends, as well as creating brand-new motifs from scratch.
15 Xero - beautiful accounting software
Xero is changing the game for small businesses with easy-to-use online accounting software. The cloud-based software connects people with the right numbers anytime, anywhere, on any device. For accountants and bookkeepers, Xero helps build a trusted relationship with small business clients through online collaboration. It includes a full accrual accounting system with a cashbook, automated daily bank feeds, invoicing, debtors, creditors, sales tax and reporting. Xero is designed to be the accounting engine for your small business, giving you real time access to your financial data and access for your accountant or bookkeeper for quicker, easier collaboration at any point.
Stripe - the best way to accept payments
Stripe provides a developer-friendly way to accept payments online and in mobile apps direct to your bank accounts from a range of local and international cards. Processing billions of dollars a year for thousands of companies of all sizes. The Stripe platform is designed for businesses of all sizes: from public launch to public company, and handles billions of dollars a year for forward- thinking businesses around the world. Stripe is built for developers, makers and creators. They believe that enabling frictionless transactions is a problem rooted in code and design, not finance. Their robust, clean Application Programming Interface lets users focus on building great products.
Collective Health - evolving your healthcare experience
Collective Health was founded to fix what was broken about the healthcare experience. They work as a technology company to improve health insurance by taking better care of their people; bringing together the best medical, pharmacy, dental and vision networks. Collective Health is combining intelligence, empathy and common sense to the health insurance experience.
24 Lending Club - the leader in peer to peer lending
Lending Club is the world’s largest online credit marketplace, facilitating personal loans, business loans, and financing for elective medical procedures and K-12 education and tutoring. Borrowers access lower interest rate loans through a fast and easy online or mobile interface. Investors provide the capital to enable many of the loans in exchange for earning interest. They operate fully online with no branch infrastructure, and use technology to lower cost and deliver an improved customer experience. Cost savings are passed onto borrowers in the form of lower rates and investors in the form of attractive returns. Lending Club is transforming the banking system into a frictionless, transparent and highly efficient online marketplace, helping people achieve their financial goals every day.
SoFi - so the life of your loan isn't your life
SoFi is reinventing consumer finance for the better. They are a leader in marketplace lending, with over $5 billion in loans issued to date. SoFi helps early stage professionals accelerate their success with student loan refinancing, mortgages, mortgage refinancing, and personal loans. Their non-traditional underwriting approach takes into account merit and employment history among other factors, therefore offering products that can’t be found elsewhere. They offer individual and institutional investors the ability to create positive social impact on the communities they care about while earning compelling rates of return.
50 AngelList - where the world meets startups
AngelList is a platform for startups to raise money online, recruit and apply to incubators. They connect startups to angel investors whom they would not otherwise be able to find, and facilitate angel investment through features such as the formation of syndicates. AngelList startups connect to angel investors by creating a profile for their business on AngelList which will then show in the feeds of angel investors. Angel investors are also able to form syndicates, whereby they pledge money to mirror the investment backing of prominent angel investors.
关于榜单：
http://fintechinnovators.com/about-list
The Fintech 100 is a collaborative effort between H2 Ventures and KPMG and analyses the fintech space globally. The report highlights those companies globally that are taking advantage of technology and driving disruption within the financial services industry.
The benefits of being included on the list go beyond profile. This year, 10 of the top emerging fintech startups will be invited to attend a Fintech Summit in London to pitch their ideas to some of the world’s leading financial institutions, venture capital funds and investors. In addition they will receive professional services support from KPMG, plus membership and discounted deal-success rates with Matchi, the online fintech matchmaking platform.
The Fintech 100 consists of two separate lists: Top 50 Established Fintech List, and the 50 Emerging Stars.
The process for selecting the Top 50 Established Fintech List involves a universal search for the most innovative fintech companies. A comprehensive list is then created, with companies ranked based on four groups of factors: total capital raised, rate of capital raising, location and degree of sub industry disruption and the judging panel's subjective rating of the degree of product, service, customer experience and business model innovation.
The process for selecting the 50 Emerging Stars is necessarily subjective, and involves a search for largely ‘undiscovered’ fintech companies. The judges are looking for the players of the future – a diversity of companies from all over the world with fresh, new, disruptive ideas and industry solutions. The evaluation is far less about size and capital raisings than it is about having an “X factor”.