'

The 100 Leading Global Fintech Innovators 2015

Понравилась презентация – покажи это...





Слайд 0

Company #00 FINTECH 100 Leading Global Fintech Innovators Report 2015 “ At a Glance Company Description Tag Line Located Year Founded Key People Website Specialisation Staff Enabler or Disruptor Key Investors Ownership Size $$$$$ User Engagement The 100 Leading Fintech Innovators Report


Слайд 1

Introduction Dear Reader, We are pleased to present the second annual ‘Fintech 100’, the best fintech innovators, this year from 19 countries around the world. The Fintech 100 are those companies using technology to the best advantage and driving disruption within the financial services industry. These companies have a commitment to excellence, superior customer experience and a demonstrated ability to do one thing in a market better than everyone else. The Fintech 100 includes the leading 50 fintech companies across the globe, and the most intriguing 50 ‘emerging stars’ – exciting new fintechs with bold, disruptive and potentially game-changing ideas – expanding on the success of last year’s list. Through our report we have analysed a number of sectors within the financial industry, these sectors are; insurance, transactions, lending and wealth. The Fintech 100 in 2015 includes: • • • • 25 payments and transactions companies (25%), 22 lending companies (22%), 14 wealth companies (14%), and 7 insurance companies (7%). The data that was discovered through the report shows an interesting spread of Fintech is the combination of technology and financial services resulting in the disruption of the finance industry and this sector has seen substantial growth over recent years. Global fintech financing has risen seven-fold over the past three years to an estimated US$20billion for 2015, a rise of 66% on the level of investment in 2014. The Fintech 100 in 2015 includes: • • • • • 40 companies from The Americas (40%), 20 companies from the EMEA (20%), 18 companies from the UK (18%), 12 Companies from Asia (12%), and 10 companies from Australia and New Zealand (10%). Below is a map which looks at where the top fifty companies are placed worldwide. As you will see, within the top ten, two are from China. There is also a spread of companies working out of San Francisco, and some emerging areas such as London and Sydney are gaining more traction. In an industry that will soon be irrevocably changed by the disruptive effect of innovation, the companies doing fintech best are those most likely to succeed. Already, some of the world’s major financial centres are equally becoming known as centres for fintech innovation: London and New York, and more recently Sydney. Fintech is clearly not to be ignored, and the next question one must ask: “who are the most innovating global fintech companies across the globe?” We’ve selected the ‘Fintech 100’ following extensive global research and analysis based on data relating to five factors: 1. 2. 3. 4. 5. Total capital raised Rate of capital raising Geographic & sector diversity Consumer & marketplace traction X-factor: degree of product, service and business model innovation (a subjective measure that is applied only with respect to companies outside of the Top 50 on the list) The 100 Leading Fintech Innovators Report | Page 01


Слайд 2

The above assessment criteria reflects the fact that venture capital invested is a relevant measure of innovation which in turn fuels enduring competitive advantage. Venture capitals seek this enduring competitive advantage over and above anything else. The companies named in this report all take a welldeserved position as the ‘leading 100’. Nonetheless, there are many other exciting and creative fintech companies around the world that are established and emerging. We hope that this report is just the start of the fintech future, and that the ’leading 100’ innovators will soon become a register for all fintech companies. The Top 10 companies in the Fintech 100 for 2015 are: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. ZhongAn (China) Oscar (USA) Wealthfront (USA) Qufenqi (China) Funding Circle (UK) Kreditech (Germany) Avant (USA) Atom Bank (UK) Klarna (Sweden) OurCrowd (Israel) You can read all about these companies, and many others, in the following pages. I encourage you to visit www.fintechinnovators.com to find out more. Yours Faithfully, Toby Heap Ian Pollari Founding Partner Partner, Financial Services H2 Ventures KPMG @tob @IP23E The 100 Leading Fintech Innovators Report | Page 02


Слайд 3

The 100 #01 #02 #03 #04 #05 #06 #07 #08 #09 #10 #11 #12 #13 #14 #15 #16 #17 #18 #19 #20 #21 #22 #23 #24 #25 #26 #27 #28 #29 #30 #31 #32 #33 ZhongAn Oscar Wealthfront Qufenqi Funding Circle Kreditech Avant Atom Klarna OurCrowd Lufax Robinhood Square Motif Investing Xero Stripe Collective Health Credit Karma Adyen Personal Capital SecureKey Technologies Betterment Kabbage Lending Club Prosper Coinbase iZettle Policybazaar Knip Affirm Circleup IEX Group Prospa #34 #35 #36 #37 #38 #39 #40 #41 #42 #43 #44 #45 #46 #47 #48 #49 #50 eToro LearnVest Sofi SocietyOne OnDeck Wecash FangDD VivaReal Nutmeg Stockpile Spotcap Jimubox TransferWise Rong360 21Inc Coverfox AngelList Acorns Avoka Bankable BioCatch BLender C2FO Cinnober Financial Technology Coinify Colu Credithood Credorax ebankIT Ebury Elliptic Equitise Estimize Fastacash Fidor Bank FinanceIt Friendsurance GoCardless GoHenry Meniga Metamako Moula MyMicroInvest Number26 Numoni Orchard Platform Osper PayRange Personetics Plaid PromisePay Property Partner Qumram Renrendai Revolut Ripple Salary Finance Simply Wall St SlimPay Stockspot SyndicateRoom The Currency Cloud Traity Trulioo Valuto Xignite Yoyo Wallet The 100 Leading Fintech Innovators Report | Page 03


Слайд 4

About the 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. A judging panel comprised of H2 Ventures, KPMG and Matchi, the online fintech matchmaking platform, was used to decide on the final composition of the Fintech 100 list. 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. Symbols Explained How many staff work at the company @H2_Ventures $ How large is the business H2 Ventures What level of social media and user engagement do they have? H2 Ventures Is the company enabling existing financial services? Is the company disrupting financial services? Companies to watch in the coming years @KPMG KPMG kpmg The 100 Leading Fintech Innovators Report | Page 04


Слайд 5

The 100 Leading Fintech Innovators Report | Page 05


Слайд 6

ZhongAn #01 “ZhongAn Insurance was the first to get an auto insurance license from the Insurance Regulatory Commission and has the business scope to expand into compulsory traffic accident liability insurance, motor vehicle business insurance and insurance information services.”- Chen Jing, CEO Company Description At a Glance 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. Tag Line Tailored Insurance Located Shanghai, China Year Founded 2013 Key People Jack Ma, Co-Founder Pony Ma, Co-Founder Ma Mingzhe, Co-Founder Staff Enabler or Disruptor Chen Jing, CEO Website http://www.zhongan.com Specialisation Size $$$$$ User Engagement Insurance Ownership Private The 100 Leading Fintech Innovators Report | Page 06


Слайд 7

Oscar #02 “Oscar was created when we opened one of our own insurance bills, only to realize we could not make any sense of it.” - Josh Kushner, Co-founder & CEO Company Description At a Glance 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. Tag Line Smart, simple health insurance. Located New York, United States Year Founded 2013 Key People Joshua Kushner, Co-Founder & CEO Kevin Nazemi, Co-Founder Staff Enabler or Disruptor Mario Schlosser, Co-Founder Website http://hioscar.com Specialisation Size User Engagement $$$$$ Insurance Ownership Private The 100 Leading Fintech Innovators Report | Page 07


Слайд 8

Wealthfront #03 “We’re not very concerned about the large companies being able to keep pace, They simply can’t innovate and deliver features fast enough. Instead, we’re focused on defining a better way to invest for this generation.” - Adam Nash, CEO At a Glance Company Description 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. Tag Line The most tax-efficient, low-cost, hassle-free way to invest Located Palo Alto, United States Year Founded 2011 Key People Adam Nash, President & CEO Staff Enabler or Disruptor Daniel Carroll, Founder & Chief Strategy Officer Andy Rachleff, Executive Chairman Website Size User Engagement $$$$$ http://wealthfront.com/ Specialisation Wealth Ownership Private The 100 Leading Fintech Innovators Report | Page 08


Слайд 9

Qufenqi #04 “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 Company Description At a Glance 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. Tag Line Helping students establish the right values in spending and credit Located Beijing, China Year Founded 2014 Key People Min Luo, Co-Founder & CEO Staff Enabler or Disruptor Shuang, COO Website http://www.qufenqi.com/ Specialisation Size User Engagement $$$$$ Payments Ownership Private The 100 Leading Fintech Innovators Report | Page 09


Слайд 10

Funding Circle #05 “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 At a Glance Company Description Funding circle was created with one big idea; to revolutionise the outdated banking system and secure a better deal for everyone. 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, and through an auction process, bid the amount of money they wish to lend, and the interest rate they want to earn. Tag Line Small Business loans in the UK Located London, United Kingdom Year Founded 2010 Key People Samir Desai, Co-Founder & CEO Christian Grobe, Co-Founder & COO Staff Enabler or Disruptor Website https://www.fundingcircle.com/ Specialisation Lending Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 10 Ownership Private


Слайд 11

Kreditech #06 “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 Company Description At a Glance Kreditech Group is a technology company that delivers a range of customtailored 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. Tag Line Digital Banking for Everyone Located Hamburg, Germany Year Founded 2012 Key People Sebastian Diemer, Co-Founder Alexander Graubner-Müller, Staff Enabler or Disruptor Co-Founder & CEO Website https://www.kreditech.com/ Specialisation Size User Engagement $$$$$ Retail banking Ownership Private The 100 Leading Fintech Innovators Report | Page 11


Слайд 12

Avant #07 “Avant is serving unmet demand on a global scale and providing millions of consumers with access to responsible credit in a clear and timely manner. We are proud of Avant’s tremendous growth over the last three years and continue to believe in the power of technology to innovate and improve the customer experience.” - Al Goldstein, CEO At a Glance Company Description 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. Tag Line Know what you Borrow Located Chicago, United States Year Founded 2012 Key People Al Goldstein, CEO Staff Enabler or Disruptor Paul Zhang, CTO John Sun, CCO Website www.avant.com Size User Engagement $$$$$ Specialisation Lending Ownership Private The 100 Leading Fintech Innovators Report | Page 12


Слайд 13

Atom #08 “I think we have the potential to be as disruptive (as Uber). Absolutely. Why not?” - Mark Mullen, CEO Company Description At a Glance 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. Tag Line We think it’s time someone breathed new life into banking Located Durham, United Kingdom Year Founded 2014 Key People Staff Mark Mullen, CEO Enabler or Disruptor David McCarthy, CFO Website https://www.atombank.co.uk/ Specialisation Size User Engagement $$$$$ Retail banking Ownership Private The 100 Leading Fintech Innovators Report | Page 13


Слайд 14

Klarna #09 “We want to make it simple and safe to shop. We have done this for e-retailers for nearly ten years and now we are doing the same for individuals in the marketplace.” - Sebastian Siemiatkowski, CEO At a Glance Company Description 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. Staff Tag Line Simplifying buying Located Columbus, Sweden Year Founded 2005 Key People Sebastian Siemiatkowski, Co-founder & CEO Enabler or Disruptor Victor Jacobsson, Co-Founder Niklas Adalberth, Co-Founder Website https://www.klarna.com/ Size User Engagement Specialisation Payments $$$$$ Ownership Private The 100 Leading Fintech Innovators Report | Page 14


Слайд 15

Our Crowd #10 “The firm has funded 80 technology companies, mostly in Israel, with $170 million from approximately 1,500 investors putting up as little as $10,000 apiece.” - Jon Medved, CEO Company Description At a Glance 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. Tag Line A better way to invest in startups Located Jerusalem, Israel Year Founded 2013 Key People Jon Medved, Founder & CEO Staff Enabler or Disruptor Website www.ourcrowd.com Specialisation Crowd funding Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 15 Ownership Private


Слайд 16

Lufax #11 “Lufax is one of the largest peer-to-peer lenders in China. It connects individual investors with borrowers for loans of around $10,000” - Wall Street Journal At a Glance Company Description 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. Tag Line Open marketplace for financial products Located Shanghai, China Year Founded 2011 Key People Staff Enabler or Disruptor Undisclosed Gregory Gibb, CEO & Chairman Peng Ye, General Manager Website http://www.lufax.com/ Size $$$$$ User Engagement Specialisation Lending Ownership Private The 100 Leading Fintech Innovators Report | Page 16


Слайд 17

Robinhood #12 “In ten years, people might think it’s crazy we used to pay to trade stocks when all it takes is a few taps.” - TechCrunch Company Description At a Glance 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. Tag Line Commission-free, mobile-first stock brokerage Located Palo Alto, United States Year Founded 2013 Key People Staff Enabler or Disruptor Baiju Prafulkumar Bhatt, Co-Founder Vladimir Tenev, Co-Founder Website https://www.robinhood.com/ Size $$$$$ User Engagement Specialisation Wealth Ownership Private The 100 Leading Fintech Innovators Report | Page 17


Слайд 18

Square #13 “What looked novel a few years ago, now is commonplace, in large part because of payments company Square.” - Australian Financial Review At a Glance Company Description 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. Staff Enabler or Disruptor Tag Line Now everyone can accept credit cards Located San Francisco, United States Year Founded 2009 Key People Jack Dorsey, CEO & Chairman Website http://squareup.com/ Specialisation Payments Size $$$$$ User Engagement The 100 Leading Fintech Innovators Report | Page 18 Ownership Public


Слайд 19

Motif Investing #14 “For those interested in active trading, Motif Investing offers a unique spin on the robo advisor space.” - Forbes Company Description At a Glance 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. Staff Tag Line Step up to a new world of investing Located San Francisco, United States Year Founded 2010 Key People Hardeep Walia, Founder & CEO Website https://www.motifinvesting.com/ Enabler or Disruptor Specialisation Wealth Ownership Private Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 19


Слайд 20

Xero #15 “If you think what Facebook has done for people-to-people communications, enabling people to communicate globally, at Xero we are building a similar network where the add-ons and the network of bookkeepers and accountants all work together to help businesses.” - Rod Drury, CEO At a Glance Company Description 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. Staff Tag Line Beautiful accounting software Located Wellington, New Zeland Year Founded 2006 Key People Rod Drury, CEO Website www.xero.com Enabler or Disruptor Specialisation Other Ownership Public Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 20


Слайд 21

Stripe #16 “It felt odd to begin with, but when it started getting product-market fit, it was the most obvious thing in the world.” - John Collison, Co-founder Company Description At a Glance 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 forwardthinking 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. Staff Enabler or Disruptor Tag Line The best way to accept payments Located San Francisco, United States Year Founded 2010 Key People Patrick Collison, Co-Founder & CEO John Collison, Co-Founder & CEO Website http://stripe.com Specialisation Payments Size $$$$$ Ownership User Engagement The 100 Leading Fintech Innovators Report | Page 21 Private


Слайд 22

Collective Health #17 “We’re working to shift the focus of health insurance from profits to people.” -Ali Diab, Co-founder At a Glance Company Description 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. Tag Line Evolving your healthcare experience Located San Mateo, United States Year Founded 2013 Key People Ali Diab, CEO Staff Enabler or Disruptor Rajaie Batniji, Chief Health Officer Website http://collectivehealth.com Specialisation Size User Engagement Insurance Ownership $$$$$ Private The 100 Leading Fintech Innovators Report | Page 22


Слайд 23

Credit Karma #18 “See an error on your credit report? Credit Karma now makes it easy to dispute.” - Forbes Company Description At a Glance Credit Karma offers a new way to track your credit score and a unique way to benefit from it. For the first time you can get truly free credit scores and credit reports to consumers direct from the credit bureau, retrieved securely with no hidden fees or obligations. Based on your score, you gain access to attractive offers from companies that value your creditworthiness. The company started by providing free credit scores to members, and has grown into an essential platform to help Americans reach their financial goals. Tag Line Your Credit Scores Should Be Free Located San Francisco, United States Year Founded 2007 Key People Ken Lin, CEO Staff Website Enabler or Disruptor http://www.creditkarma.com Specialisation Other Ownership Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 23 Public


Слайд 24

Adyen #19 “We see an enormous opportunity to enable merchants to offer a seamless mobile payment experience to their customers.” - Roelant Prins, CCO At a Glance Company Description Adyen was founded to deliver innovation to the payment industry. They currently provide advanced payment solutions to more than 3,500 customers to accept payments from anywhere in the world with a single global platform. Their vision is to improve customer experience, streamline processes and ultimately increase revenue. Adyen enables businesses to process payments online, via mobile and at Point-of-Sale with over 250 payment methods and 187 transaction currencies. Staff Tag Line Accepts payments globally Located Amsterdam, Netherlands Year Founded 2006 Key People Pieter van der Does, Co-founder, President & CEO Enabler or Disruptor Arnout Schuijff, Co-founder & CTO Website http://www.adyen.com Specialisation Size User Engagement Payments Ownership $$$$$ Private The 100 Leading Fintech Innovators Report | Page 24


Слайд 25

Personal Capital #20 “We became the first digital wealth-management company offering state-of-the-art tools and an unbiased advisory service.” - Bill Harris, Co-founder & CEO Company Description At a Glance Personal Capital is the smart way for people to understand, manage and grow their net worth, with award-winning online tools providing total transparency into investment accounts. Certified Personal Capital advisors use information to provide accurate recommendations to clients, improving efficiency and supporting money management principles that lead to the best outcomes possible. A pioneer in digital financial advisory services, Personal Capital is backed by leading Silicon Valley venture capital firms and financial institutions. With nearly $2 billion in assets under management, Personal Capital helps clients feel more confident about their financial future. The free app is available for iPhone, iPad and Android. Staff Enabler or Disruptor Tag Line Understand, manage, and grow your net worth. Located Redwood City, United States Year Founded 2009 Key People Bill Harris, CEO Jay Shah, COO Paul Bergholm, CFO Website www.personalcapital.com Specialisation Wealth Size User Engagement $$$$$ Ownership Private The 100 Leading Fintech Innovators Report | Page 25


Слайд 26

SecureKey Technologies #21 “As online fraud and security breaches increase, SecureKey Concierge is driving a new era of convenience, security and privacy.” - Charles Walton, CEO At a Glance Company Description SecureKey is a leading identity and authentication provider that simplifies consumer access to online services and applications. The privacy-enhancing SecureKey Concierge Service™ is a next generation identity and authentication network for conveniently connecting people to critical online services using a digital credential they already have and trust. SecureKey is headquartered in Toronto and the company is backed by a world-class group of venture and corporate investors that include strategic investments from Visa, MasterCard, Discover, Rogers Venture Partners and Intel Capital. Tag Line Building Trusted Identity Networks Located Toronto, Canada Year Founded 2008 Key People Charles Walton, CEO Greg Wolfond, Chairman Website Staff Enabler or Disruptor http://securekey.com/about-securekey/ Specialisation Security Ownership Size $$$$$ Private User Engagement The 100 Leading Fintech Innovators Report | Page 26


Слайд 27

Betterment #22 “We have built a service unlike any other, and it is a whole new way of thinking about investing” Jon Stein, CEO Company Description At a Glance Betterment is an automated investment service, helping people to better manage, protect, and grow their wealth through smarter technology. With more than 115,000 customers and over $2.9 billion in assets under management, the service offers a globally diversified portfolio of ETFs, designed to help provide you with the best possible expected returns for retirement planning, building wealth, and other savings goals. Betterment also helps customers get on track for a comfortable retirement with RetireGuide™, a retirement planning tool that lets people know how much they should save and if they are investing correctly. Tag Line Investing Made Betterment Located New York, United States Year Founded 2010 Key People Jon Stein, Co-Founder & CEO Website Staff Enabler or Disruptor https://betterment.com/ Specialisation Wealth Ownership Private Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 27


Слайд 28

Kabbage #23 “Kabbage is disrupting this space by providing a painless way to help sellers access cash quickly.” - TechCrunch At a Glance Company Description Kabbage is headquartered in Atlanta, and has pioneered the first financial services data and technology platform to provide fully automated funding to small business in minutes. Kabbage leverages data generated through business activity such as accounting data, online sales, shipping and dozens of other sources to understand performance and deliver fast, flexible funding in real time. In just a few years, Kabbage has become the number one online provider of working capital to small businesses in the United States and UK.  Tag Line Fund Your Business. Today! Located Atlanta, United States Year Founded 2008 Key People Rob Frohwein, Co-Founder & CEO Marc Gorlin, Co-Founder Staff Enabler or Disruptor Kathryn Petralia, Co-Founder & Head of Operations Website www.kabbage.com Size $$$$$ Specialisation User Engagement Lending Ownership Private The 100 Leading Fintech Innovators Report | Page 28


Слайд 29

Lending Club #24 “We’re a threat to the model, but we are not necessarily a threat to the bank, when we talk about transforming the banking industry, it’s a positive transformation for the consumer. But it could be a positive transformation for the bank.” - Renaud Laplanche, CEO Company Description At a Glance 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 Tag Line The leader in peer to peer lending Located San Francisco, United States Year Founded 2006 experience. Cost savings are passed onto borrowers in the form of lower rates and Key People investors in the form of attractive returns. Lending Club is transforming the banking Renaud Laplanche, Founder & CEO system into a frictionless, transparent and highly efficient online marketplace, helping people achieve their financial goals every day. Website www.lendingclub.com Specialisation Staff Enabler or Disruptor Lending Ownership Public Size $$$$$ User Engagement The 100 Leading Fintech Innovators Report | Page 29


Слайд 30

Prosper #25 “We believe Prosper is bringing much-needed innovation to financial services, and we applaud their efforts to build a product for consumers built on trust, transparency and excellent customer service.” - Vic Pascucci III, the Head of Corporate Development at USAA At a Glance Company Description Prosper is America’s first peer-to-peer lending marketplace, with more than 2 million members and over $5 billion in funded loans, connecting people who want to borrow money with those who want to invest. Prosper allows people to invest in each other in a way that is financially and socially rewarding. On Prosper, borrowers list loan requests between $2,000 and $35,000 and individual lenders invest as little as $25 in each loan listing they select. Prosper handles the servicing of the loan on behalf of the matched borrowers and investors. Tag Line $5 Billion Borrowed 250,000 People Empowered Located San Francisco, United States Year Founded 2006 Key People Stephan Vermut, Executive Chairman Aaron Vermut, CEO Website Staff Enabler or Disruptor http://www.prosper.com Specialisation Lending Ownership Size $$$$$ User Engagement The 100 Leading Fintech Innovators Report | Page 30 Private


Слайд 31

Coinbase #26 “We continue to look at Coinbase as an infrastructure, providing programmatic access to buying and selling.” - Adam White, Product Manager Company Description At a Glance Coinbase is a bitcoin wallet and platform where merchants and consumers can transact with the new digital currency. They are making it easy for the average person and business to start buying and selling Bitcoin instantly by connecting their bank account. In addition, Coinbase provides a series of merchant tools that support some of the most highly trafficked sites on the internet. Coinbase processes the first $1,000,000 of merchant orders for free, with a simple 1% fee after that. Combined with no chargebacks by nature in Bitcoin, this provides significant savings to merchants who are paying 3% plus to credit card fees. Tag Line Get Started With Bitcoin Located San Francisco, United States Year Founded 2012 Key People Brian Armstrong, Co-Founder & CEO Fred Eshram, Co-Founder Website https://www.coinbase.com Staff Enabler or Disruptor Specialisation Currency and Forex Ownership Private Size $$$$$ User Engagement The 100 Leading Fintech Innovators Report | Page 31


Слайд 32

iZettle #27 “Since starting the company in 2011, we’ve tried to find the secret equation for growth.” - Jacob de Geer, Co-founder At a Glance Company Description iZettle is a mobile payment solution that lets anyone accept credit cards with their smartphone or tablet. With iZettle, anyone selling anything face to face can use smartphones and tablets to accept credit card payments and manage their business – and for a fraction of the cost of traditional systems. iZettle works to help merchants start, run and improve their business using nothing but a free app with business analytics and insights, and a mobile card reader, that transforms smartphones and tablets into cash registers. The company offers everything from credit card readers to complete point of sale solutions and free sales overview tools. Tag Line Accept credit card payments with your iPhone, iPad or Android Located London, United Kingdom Year Founded 2010 Key People Jacob De Geer, Founder & CEO Magnus Nilsson, Founder & COO Website Staff Enabler or Disruptor http://www.izettle.com Specialisation Payments Ownership Size $$$$$ User Engagement The 100 Leading Fintech Innovators Report | Page 32 Private


Слайд 33

Policybazaar #28 “Today, people prefer Policybazaar for comparing policies, but a lot of customers feel that agents might be able to give better claims service. Our strategic focus is to change that.” - Yashish Dahiya, Co-founder & CEO Company Description At a Glance Policybazaar.com is India’s leading online insurance comparison portal that has earned trust and goodwill of over 5 million customers seeking both life and non-life insurance. Their vision is to empower the Indian consumers, help them compare policies, and make informed choices for their various insurance needs with accurate information based on insurance products. Policybazaar.com is specialized in making comparative analysis of the insurance products of various insurance policies based on price, quality and key benefits. They develop solutions leading to financial security and competitive returns. Tag Line Compare. Buy. Save. Located Gurgaon, India Year Founded 2008 Key People Yashish Dahiya, Co-Founder & CEO Alok Bansal, Co-founder, CFO & COO Website Staff Enabler or Disruptor http://policybazaar.com Specialisation Insurance Ownership Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 33 Private


Слайд 34

Knip #29 “With just one click, they can open the entire insurance policy, so every important information is always at hand. Furthermore, our insurance consultants help users find the insurances that best fit their needs.” - Dennis Just, Co-founder At a Glance Company Description Knip is a simple and transparent solution to insurance. It is an innovative digital insurance manager which provides users with an easy-to-understand overview and analysis of existing insurance policies, tariffs and services. The app is designed to automatically detect individual’s insurance gaps and recommend essential insurance. Upon customer request, the Knip team also consults on all aspects related to personal insurance policies, this allows users to electronically change their tariffs, conclude new insurance contracts and terminate old ones. Tag Line Your digital Insurance Manager Located Zurich, Switzerland Year Founded 2013 Key People Dennis Just, Co-Founder & Chairman Christina Kehl, Co-Founder Website Staff Enabler or Disruptor https://www.knip.ch Specialisation Insurance Ownership Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 34 Private


Слайд 35

Affirm #30 “We believe lending to bootcamp students is the single best way to help them invest in themselves, improve their quality of life, and become successful contributors to the new economy.” - Max Levchin, Founder & CEO Company Description At a Glance Affirm uses modern technology to re-imagine and re-build core components of financial infrastructure from the ground up. Their focus is to improve the lives of everyday consumers with less expensive, more transparent financial products. They offer installment loans to consumers at the point of sale, enabling people to take out simple loans and turn any purchase into a few monthly payments. All the pricing through Affirm is adaptive based on data that prices marginal risk in real time and generates a risk score for every transaction, so every aspect of taking out the loan is completely transparent. Tag Line Pay over time, on your terms Located San Francisco, United States Year Founded 2012 Key People Max Levchin, Founder & CEO Jeff Kaditz, Founder Nathan Gettings, Founder Staff Enabler or Disruptor Website http://affirm.com Specialisation Lending Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 35 Ownership Private


Слайд 36

CircleUp #31 “These investors can now access an asset class they’ve never reached, without needing to pick and choose the companies themselves.” - Rory Eakin, Co-founder & COO At a Glance Company Description CircleUp is an online private company investment platform. They provide accredited investors free access to direct investments in high-growth consumer product and retail private companies that were previously difficult to identify and access. For retail and consumer product entrepreneurs, CircleUp offers an efficient way to access a network of sophisticated investors as well as value added partners. Typical investments on CircleUp are food, personal care, pet product, apparel or retail/restaurant companies with $1-$10 million in revenue who are looking to raise up $2 million in growth equity. CircleUp offers an efficient way to access a network of sophisticated investors as well as value added partners. Tag Line Connecting Investors with Consumer Brands Located San Francisco, United States Year Founded 2012 Key People Ryan Caldbeck, CEO Rory Eakin, Founder & COO Staff Enabler or Disruptor Website www.circleup.com Specialisation Crowd Funding Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 36 Ownership Private


Слайд 37

IEX Group #32 “IEX believes data and technology should be provided at a reasonable cost or no cost at all, we firmly believe that IEX can be an agent of change to address these issues, and many more, in pursuit of creating more efficient capital markets.” - Brad Katsuyama, Co-Founder & CEO Company Description At a Glance IEX is a fair, simple and transparent market centre dedicated to investor protection, providing a more balanced marketplace via simplified market structure design and cuttingedge technology. IEX’s core innovation is its network architecture, which mandates that all orders travel a combined 43 miles of fiber optic cable before reaching IEX’s system. This distance neutralizes unfair advantages employed by some predatory trading strategies. IEX’s technology stands in contrast to conventional business practice, whereby incumbent exchanges sell or lease the space closest to their core matching technology to satiate the Tag Line Fair, Simple & Transparent Located New York, United States Year Founded 2013 Key People high-speed trading community’s need for speed. IEX also emphasizes simplicity to better Brad Katsuyama, Co-Founder & CEO serve traditional investors, by only supporting a focused set of 5 order types which serve Claudia Crowley, Chief Regulatory Officer investors’ core trading needs. Rob Park, CTO Staff Enabler or Disruptor Website http://www.iextrading.com/ Specialisation Other Size $$$$$ User Engagement The 100 Leading Fintech Innovators Report | Page 37 Ownership Private


Слайд 38

Prospa #33 “It is just that they have never had the data insights to lend into this category.” - Beau Bertoli, Joint CEO At a Glance Company Description Prospa is one of Australia’s leading online small business lender. They provide unsecured business loans and finance for small business. The Australian owned company can approve loans for under $20k in less than a day, and their smart technology and online application process provide a fast and easy way to access small business loans. They offer a fast and flexible solution to working capital needs, allowing you to concentrate on your job of building your business. Prospa is changing the way small and medium businesses are funded. Tag Line Business Finance Made Easy. Located Sydney, Australia Year Founded 2012 Key People Greg Moshal, Joint CEO Beau Bertoli, Joint CEO Staff Website Enabler or Disruptor http://prospa.com/ Specialisation Lending Ownership Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 38 Private


Слайд 39

eToro #34 “Those with less expertise may like to try a platform called eToro, which allows customers to copy “star traders” directly, and can make traders of even the least informed of punters.” - The Telegraph Company Description At a Glance eToro is the world’s leading social investment network, with more than 4.5 million registered users in over 140 countries. eToro leads the social trading revolution through its community powered network, which enables every investor to see, follow and automatically copy the actions of other investors in real time. eToro’s mission is to revolutionize the way people access the financial markets and make their trading experience more social, simple, enjoyable and transparent. By harnessing the wisdom of the crowd, every member of eToro’s social trading network benefits from accelerated information exchange, knowledge sharing and the ability to quickly identify the best investment opportunities. Tag Line The World’s Largest Social Investment Network Located London, United Kingdom Year Founded 2007 Key People Yoni Assia, Founder & CEO Ronen Assia, Founder & Board Member Staff Enabler or Disruptor Website www. etoro.com Specialisation Wealth Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 39 Ownership Private


Слайд 40

LearnVest #35 “LearnVest is a prime example of the boom going on right now in the financial technology services space.” - TechCrunch At a Glance Company Description LearnVest empowers everyone to take control of their personal finances. They provide expert advice and resources, and financial plans that fit your budget. Designed to help real people get a plan for their money, simply and affordably, they start with goals, finding a balance and taking action. Whether you want to budget better, save for big trips or maximize your investments, LearnVest is an award-winning subscription-based program designed to help people make progress on their money. Tag Line Simplify your money. Located New York, United States Year Founded 2007 Key People Alexa von Tobel, Founder & CEO John Gardner, Co-Founder & CFO Website Staff Enabler or Disruptor http://www.learnvest.com Specialisation Wealth Ownership Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 40 Private


Слайд 41

SoFi #36 “We think transparency is the main objective. For prospective students going in, schools show them how much it’s going to cost, but I think they do a less good job as an industry showing how much they’re likely to earn.” - Dan Macklin, Co-founder Company Description At a Glance 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. Tag Line So the life of your loan isn’t your life. Located San Francisco, United States Year Founded 2011 Key People Mike Cagney, Co-Founder, CEO & Chairman Dan Macklin, Co-Founder, VP of Staff Enabler or Disruptor Community & Member Success Website http://www.sofi.com Specialisation Lending Size User Engagement $$$$$ Ownership Private The 100 Leading Fintech Innovators Report | Page 41


Слайд 42

SocietyOne #37 “As the pioneers of P2P lending in Australia, we believe the opportunity for marketplace lending is enormous. We have built a platform with the right technology, people, and strategic partners to support rapid growth.” - Matt Symons, Co-Founder & CEO At a Glance Company Description SocietyOne is Australia’s leading Peer-to-Peer lending platform where investors connect with borrowers to get a better deal. They pioneered marketplace lending in Australia by connecting creditworthy borrowers directly with investors. SocietyOne removes the cost and complexity of the traditional lending process, bringing borrowers and investors a better experience and a better deal. Their mission is to offer highly competitive personal loan interest rates and commensurate returns for investors in this asset class. The SocietyOne technology platform reduces the cost of originating and managing consumer loans, enabling SocietyOne to share its operating cost advantage with both borrowers and investors to therefore get a better deal. Staff Enabler or Disruptor Tag Line People Powered Lending Located Sydney, Australia Year Founded 2011 Key People Matt Symons, Co-founder & CEO Greg Symons, Co-Founder Andy Taylor, Co-Founder Website http://www.societyone.com.au Specialisation Lending Size $$$$$ Ownership User Engagement The 100 Leading Fintech Innovators Report | Page 42 Private


Слайд 43

OnDeck #38 “New York startup On Deck Capital hopes to appeal to these millions of businesses with a loan application process that takes minutes to complete and can be approved within a day.” - Business Insider Company Description At a Glance OnDeck uses technology to make the borrowing process simple, fast and efficient for small businesses in the US, Canada and Australia. Launched in 2007, OnDeck connects Main Street businesses – such as restaurants, retailers and other service providers – directly to capital. The proprietary OnDeck technology platform uses data aggregation and electronic payment technology to analyze the financial health of small businesses, allowing them to access the capital they need to grow. To date, OnDeck has delivered over $3 billion in capital to small businesses nationwide. Tag Line Small business loans, at your service Located New York, United States Year Founded 2007 Key People Noah Breslow, CEO James Hobson, COO Staff Enabler or Disruptor Howard Katzenberg, CFO Website https://www.ondeck.com/ Specialisation Size User Engagement $$$$$ Lending Ownership Public The 100 Leading Fintech Innovators Report | Page 43


Слайд 44

Wecash #39 “By mining public mobile data from roughly 600 milion mobile internet users, Wecash is able to quickly provide extensive credit assessments and build predictive models for customers’ credit risk.” - Bracing Spring, CEO At a Glance Company Description 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. Tag Line The first online credit assessment platforms and solutions in China Located Beijing, China Year Founded 2014 Key People Zhengchun Zhi (Bracing Spring), CEO Website Staff Enabler or Disruptor Specialisation Other Undisclosed Size http://www.wecash.net/ Ownership User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 44 Private


Слайд 45

FangDD #40 “We are aiming to create an effective and trustable real estate service platform for brokerage companies, buyers, sellers (developers and second-hand apartment owners).” - FangDD Company Description At a Glance 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. Staff Enabler or Disruptor Tag Line O2O Platform for Real Estate Powered by Agents Located Shenzhen, China Year Founded 2011 Key People Yi Duan, CEO Xi Zeng, COO Jiacheng Li, Co-Founder & CTO Website http://www.fangdd.com Specialisation Payments Size $$$$$ Ownership User Engagement The 100 Leading Fintech Innovators Report | Page 45 Private


Слайд 46

VivaReal #41 “VivaReal is the largest real estate marketplace in Brazil, with over 2.5 million active listings in over 1,000 cities, and over 3 million unique visitors per month, 98% of whom are in Brazil.” - TechCrunch At a Glance Company Description VivaReal is an online real estate portal that enables its users to sell, buy, rent or invest in residential and commercial properties throughout Brazil. VivaReal connects their clients to the property of their dreams. At any stage of your life, you can count on the VivaReal to connect you to thousands of estate agents and brokers. VivaReal offers more than 1.8 million listings of houses and apartments for rent and purchase. The portal is the leader in its segment, is present with local offices in 14 cities in Brazil and receives over 6 million monthly visits. Tag Line Your new home is here in VivaReal Located São Paulo, Brazil Year Founded 2009 Key People Brian Requarth, Co-founder & CEO Diego Simon, Co-Founder & VP of Business Development Staff Website Enabler or Disruptor http://www.vivareal.com.br Specialisation Other Ownership Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 46 Private


Слайд 47

Nutmeg #42 “The online investment service that’s intelligent, straightforward & fair.” - Nick Hungerford, Co-Founder & CEO Company Description At a Glance Nutmeg is an intelligent online investment management service that builds and manages professional portfolios tailored to customers’ real-life investment goals and aligned to their appetite for risk. Its highly experienced investment team invests money across a wide range of assets to spread risk and regularly adjusts customer portfolios to help keep them on track. Customers can start with as little as £1,000 (plus £50 per month contributions for portfolios less than £5,000) and pay an annual management fee of just 0.3%-1% including VAT, depending on the size of their investment. Tag Line Intelligent investing made easy Located London, United Kingdom Year Founded 2011 Key People Nick Hungerford, Co-Founder & CEO Lee Cowles, Managing Director Staff Enabler or Disruptor Shaun Port , CIO Website www.nutmeg.com Specialisation Size $$$$$ Wealth User Engagement Ownership Private The 100 Leading Fintech Innovators Report | Page 47


Слайд 48

Stockpile #43 “Stockpile will dramatically change the way we purchase and gift stock in this country… Stockpile has nailed it -- it’s a drop-dead easy user experience and affordable to all.” - Ashton Kutcher, actor, entrepreneur and tech investor At a Glance Company Description Stockpile is revolutionizing the investment world by making the purchase of stock as easy as buying a litre of milk. Stockpile Gift Cards, now available at major grocery stores and retailers in addition to financial institutions and online – can be redeemed for stock in your favourite companies. Buy them for yourself or gift them to friends and family of any age, with no account minimum. Founded in 2010 and headquartered in Palo Alto, Calif, Stockpile promotes financial inclusion, empowerment, and literacy by enabling access for all to the financial markets. Tag Line The world’s first gift card for stocks Located San Francisco, United States Year Founded 2010 Key People Avi Lele, Founder & CEO Sanj Kulkarni, Co-Founder Staff Enabler or Disruptor Michael Feser, President & COO Website http://www.stockpile.com Specialisation Size $$$$$ Wealth User Engagement Ownership Private The 100 Leading Fintech Innovators Report | Page 48


Слайд 49

Spotcap #44 “Australia has a very high penetration of online banking and we believe there is significant unmet demand for small business loans, we think a lot of the business we lend to will be banked but some will also be unbanked.” - Lachlan Heussler, Australian Managing Director Company Description At a Glance Spotcap is an innovative multinational online lender for small and medium sized businesses. Spotcap provides small business loans from $1,000 to $250,000 for small business owners, enabling small business owners who have been operating for more than one year to grow their business by providing fast and flexible financing. The company has developed a sophisticated and dynamic decision process assessing the real-time performance of businesses to grant short term loans. Spotcap is headquartered in Berlin and is also operating in Spain, the Netherlands and Australia. The team - currently consists of 65 credit experts and through online, is expanding its operations geographically. Tag Line Business loans made easy Located Berlin, Germany Year Founded 2014 Key People Toby Triebel, Co-founder & CEO Lachlan Heussler, Managing Director, Spotcap Australia Staff Enabler or Disruptor Website https://www.spotcap.com.au Specialisation Lending Size $$$$$ User Engagement The 100 Leading Fintech Innovators Report | Page 49 Ownership Private


Слайд 50

Jimubox #45 “We see huge demand from small businesses, what we do is to look into their risks and disclose selected information on our platform.” - Jun Dong, Founder & CEO At a Glance Company Description 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.  Tag Line Located Beijing, China Year Founded 2013 Key People Jun Dong, Founder & CEO Staff Website Enabler or Disruptor http://www.jimubox.com Specialisation Lending Size $$$$$ Ownership User Engagement The 100 Leading Fintech Innovators Report | Page 50 Private


Слайд 51

TransferWise #46 “TransferWise is looking to use the internet to spark a digital revolution in current financial services.” - Financial Times Company Description At a Glance Transfer money abroad quickly and easily with low cost money transfers. TransferWise allows expats, foreign students and businesses to move and send money abroad at the lowest possible cost, using only real exchange rates and small fees. The firm’s pricing and operating model is a substantial departure from standard practice in the money transfer sector, providing customers with a lower-cost alternative to traditional means of moving money internationally. Tag Line The Clever New Way To Beat Bank Fees Located London, United Kingdom Year Founded 2010 Key People Taavet Hinrikus, Co-founder & CEO Kristo Käärmann, Co-Founder & CEO Staff Enabler or Disruptor Website https://transferwise.com Specialisation Currency and Forex Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 51 Ownership Private


Слайд 52

Rong360 #47 “Rong360 has raised over RMB 1 billion in Series D funding, led by Jack Ma’s YF Capital and Sailing Capital. The new funds will be used for boosting the growth of the business, adding that more effort will be put into developing risk management products and mobile service.” - Ye Daqing, CEO At a Glance Company Description 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. Tag Line Financial product research and recommendation to consumers and micro companies Located Beijing, China Year Founded 2011 Key People Staff Enabler or Disruptor Ye Daqing, Co-founder & CEO Lujia Yan, Co–founder, VP, Operations & Banking relationships Liucao Feng, Co–founder & VP, Product Size User Engagement $$$$$ technology Website http://rong360.com Specialisation Lending Ownership Private The 100 Leading Fintech Innovators Report | Page 52


Слайд 53

21Inc #48 “The 21 Bitcoin Computer is the first computer with native hardware and software support for the Bitcoin protocol. It provides a constant stream of bitcoin and the software to make that bitcoin useful for buying and selling digital goods.” - 21Inc Company Description At a Glance The 21 Bitcoin Computer is the first computer with native hardware and software support for the Bitcoin protocol. That means; the hardware to mine a stream of small amounts of bitcoin for development purposes, and the software to make that bitcoin useful for buying and selling digital goods. Developers and bitcoin enthusiasts can use the 21 Bitcoin Computer to quickly create apps, services, and devices that can be rented or bought for bitcoin. The 21 Bitcoin Chip is an application specific integrated circuit (ASIC) specifically designed to mine in the background to provide a small stream of bitcoin to your computer as a system resource for software development purposes. Tag Line The Bitcoin Computer Located San Francisco, United States Year Founded 2013 Key People Balaji S. Srinivasan, Co-Founder Matthew Pauker, Co-Founder Website Staff Enabler or Disruptor https://21.co Specialisation Currency and Forex Ownership Size $$$$$ User Engagement The 100 Leading Fintech Innovators Report | Page 53 Private


Слайд 54

Coverfox #49 “Unlike other online insurance distributors who have an aggregator licence, we have a brokerage licence. This gives us the right to negotiate on behalf of the customer.” - Varun Dua, CEO & Founder At a Glance Company Description Coverfox is an online insurance policy which creates a smarter way for people to buy and manage their Insurance. It offers products online for Indian customers across categories like Health, Car, Life, Travel and Home Insurance. Many insurance brands in India offer their products via Coverfox. Coverfox aspires to have impeccable research and a simple intuitive way to buy insurance, backed by technology, with their attitude of no spam, no cold calls and no nonsense. Tag Line Insurance, the easy way. Get Cover. Get Going. Located Mumbai, India Year Founded 2013 Key People Devendra Rane, Founder & CTO Staff Enabler or Disruptor Varun Dua, Founder & CEO Website https://www.coverfox.com Specialisation Size User Engagement Insurance Ownership $$$$$ Private The 100 Leading Fintech Innovators Report | Page 54


Слайд 55

AngelList #50 “Helping entrepreneurs turned angels use their expertise to fund new, world-changing startups is what AngelList is all about.” - Naval Ravikant, Founder Company Description At a Glance 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. Tag Line Where the world meets startups Located San Francisco, United States Year Founded 2010 Key People Babak Nivi, Co-Founder Naval Ravikant, Co-Founder Staff Enabler or Disruptor Website http://angel.co Specialisation Crowd funding Size User Engagement $$$$$ Ownership Private The 100 Leading Fintech Innovators Report | Page 55


Слайд 56

Acorns “Designing an app to help people invest loose change was the easy part, The tough part was designing a platform.” - Jeff Cruttenden At a Glance Company Description Acorns is a financial service, helping you to save and invest your money, enabling Australians to start early, invest often, and reach financial goals. Acorns helps you proactively invest. One key feature is round-ups; rounding up each of your transactions to the nearest dollar, and invest the change into a diversified portfolio. Acorns provides you with the option of choosing a portfolio that is in line with your investment goals and the amount of risk you’re comfortable taking. Tag Line Invest the Change Located Newport Beach, United States Year Founded 2012 Key People Jeff Cruttenden, Co-Founder & Director Walter Cruttenden, Co-Founder & Director Staff Enabler or Disruptor Website http://www.acorns.com/ Specialisation Wealth Size User Engagement Ownership Private $$$$$ The 100 Leading Fintech Innovators Report | Page 56


Слайд 57

Avoka “The Avoka platform allows banks to go live with new products in weeks, rather than months, and make daily changes to continually minimize abandonment in their digital customer acquisition.” Derek Corcoran, Chief Experience Officer Company Description At a Glance Avoka software delivers frictionless digital sales and service transactions for financial institutions, government agencies, and many other industries where traditional “shopping cart” e-Commerce is not a good fit. For information intensive transactions such as loan applications, account openings, enrollment forms and insurance claims, Avoka creates a digital, mobile responsive experience that can be deployed in weeks, rather than the months of development required by traditional IT projects. Tag Line Frictionless Digital Sales and Service Located Sydney, Australia Year Founded 2002 Key People Philip Copeland, CEO Website Staff Enabler or Disruptor www.avoka.com Specialisation Retail banking Ownership Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 57 Private


Слайд 58

Bankable “Bankable’s aim is to displace payment inefficiencies for enterprises and consumers by solutions that are efficient, electronic, real-time, scalable and affordable.” - Avinash Agrawal, Product Strategy Manager at Bankable At a Glance Company Description Bankable is a global architect of innovative payment solutions that provides “Banking as a Service”. Our core platform is available in white-label or via APIs, allowing dominant financial institutions and disruptive fintech players to develop bespoke payment solutions tailored to business needs. The Bankable platform enables a range of payment solutions including e-wallets, m-wallets, remittance services, P2P money transfers, light banking, virtual accounts, cash management, and virtual and plastic prepaid card programmes. Tag Line Banking as a Service Located London, United Kingdom Year Founded 2010 Key People Eric Mouilleron, Founder & CEO Jacques Jovignot, COO Staff Enabler or Disruptor Website http://www.bnkbl.com/ Specialisation Retail banking Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 58 Ownership Private


Слайд 59

BioCatch “BioCatch consistently works to stay ahead of the game in combating fraud.” - Oren Kedem, VP of Products Company Description At a Glance BioCatch is a leading provider of Behavioral Biometric, Authentication and Malware Detection solutions for mobile and web applications. Available as a cloud-based solution, BioCatch proactively collects and analyzes more than 500 cognitive parameters to generate a unique user profile. Organizations use the platform to continuously authenticate users during their online sessions, protecting against cyber threats and fraudulent activity, such as account takeover and RAT-in-the-Browser (RitB). Tag Line Less Friction. Less Fraud Located Tel Aviv, Israel Year Founded 2011 Key People Ron Moritz, Interim CEO Avi Turgeman, Co-Founder & CTO Staff Enabler or Disruptor Uri Rivner, Co-Founder & Head of Cyber Strategy Website http://www.biocatch.com/ Size $$$$$ User Engagement Specialisation Security Ownership Private The 100 Leading Fintech Innovators Report | Page 59


Слайд 60

BLender “We have grown accustomed to ordering food and clothes easily online, and there is no reason that the same should not be the case with everything having to do with money.” - Dr. Gal Aviv, Founder & CEO At a Glance Company Description BLender provides a multi-national P2P lending service in countries with limited consumer credit information. BLender was founded in 2013 by a group of physicists and IT professionals with a wide range of backgrounds in algorithms, big data, and virtual intelligence of complex systems. BLender’s lending services comprises of a proprietary credit rating system, Rating™, investment engine DirectMatch™, Safeguard Fund, and a robust secondary market ReBlend™. BLender strives to pioneer the multinational P2P lending arena and to build a bridge between lenders and borrowers across the globe. Tag Line Loans between people Located Tel Aviv, Israel Year Founded 2013 Key People Dr. Gal Aviv, Founder & CEO Boaz Aviv, CTO Staff Enabler or Disruptor Website https://www.blender.co.il/ Specialisation Lending Size $$$$$ User Engagement The 100 Leading Fintech Innovators Report | Page 60 Ownership Private


Слайд 61

C2FO “We bring together two sides who are willing to fund invoices early for a discount.” - John E. Kill, Senior VP & CFO Company Description At a Glance C2FO, the world’s market for working capital and risk-free profit, is the only working capital exchange that allows companies to optimize their working capital positions in a live, bid/ask environment. Companies across the globe use C2FO to increase their gross and net profit while simultaneously producing working capital flows to their supply chain. C2FO stands for Collaborative Cash Flow Optimization. Tag Line The World’s market for Working Capital Located Shawnee Mission, United States Year Founded 2008 Key People Alexander C. Kemper, CEO & Chairman Staff Enabler or Disruptor John E. Kill, Senior VP & CFO Website http://c2fo.com Specialisation Size User Engagement $$$$$ Lending Ownership Private The 100 Leading Fintech Innovators Report | Page 61


Слайд 62

Cinnober Financial Technology “But in the end it’s really about improving the functioning of financial markets and eliminating the repeated system failures that erode confidence.” - Veronica Augustsson, CEO At a Glance Company Description Cinnober Financial Technology is a world-leading and independent supplier of trading and clearing technology. They serve market operators, clearinghouses, banks and brokers. Cinnober’s solutions are all based on the TRADExpress Platform. The portfolio of offerings includes price discovery and matching, realtime risk management, clearing and settlement, index calculation, data distribution and surveillance. Except for being adopted by leading market players, the system has also been chosen by the European Commission to develop a real-time risk margining and multi-asset client clearing system for banks. Tag Line Passion for change Located Stockholm, Sweden Year Founded 1998 Key People Veronica Augustsson, CEO Website Staff Enabler or Disruptor http://cinnober.com Specialisation Other Ownership Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 62 Private


Слайд 63

Coinify “Blockchain payments represent a new era of security on global transactions and it is only natural that Coinify implement new standards for compliance that covers this global mindset.” - Christian Visti Larsen, CFO Company Description At a Glance Coinify drives mainstream adoption of digital currencies, such as Bitcoin, for merchants and consumers. Merchants benefit from Coinify’s payment service, enabling free, instant settlements in a fraud-free and chargeback-free blockchain payment environment, giving consumers access to secure, one-click payments that reveal no sensitive information. Tag Line Online Payment with Bitcoin Located Copenhagen, Denmark Year Founded 2014 Key People Staff Enabler or Disruptor Mark Højgaard, CEO Christian Visti Larsen, CFO and Strategy Lasse Birk Olesen, CPO Website Size User Engagement https://www.coinify.com/ Specialisation $$$$$ Currency and Forex Ownership Private The 100 Leading Fintech Innovators Report | Page 63


Слайд 64

Colu “This is a bitcoin-secured platform that empowers millennials and baby boomers looking for new ways to access online purchase and experiences.” - Amos Meiri, Co-founder & CEO At a Glance Company Description Colu is a blockchain technology platform for developers and enterprises providing a powerful toolbox for building customized blockchain based applications. From a mobile app that enables to store, send and receive digital assets just like texting to your contacts, to the Dashboard which is a control panel for managing digital assets, to the Engine that handles all things blockchain in the backend using our API and SDK. Staff Enabler or Disruptor Tag Line Your Assets. Made Digital. Located Tel Aviv, Israel Year Founded 2014 Key People David Ring, Co-Founder & VP of R&D Website https://www.colu.co/ Specialisation Size User Engagement Other Ownership $$$$$ Private The 100 Leading Fintech Innovators Report | Page 64


Слайд 65

Credithood “We founded Credithood to be at the frontier of small business financing.” - Jack Elaad, Co-founder Company Description At a Glance Credithood solves the biggest SMB problem - raising funds for growth. Through our platform, SMB raise funds from its repeat customer base in return for a discount on goods/services purchased during the term of the loan. Amount lent and not used for goods or services during the term of the loan, is repaid in cash at the end of the term. There is no paper work, no credit score, no external creditworthiness evaluation of the SMB. The whole transaction is based on the reputation of the SMB as perceived by its customer. They leverage the vote of confidence SMB received from its customers by collaborating with financial institutions like banks to top-up the amount raised from the customers by datamining all the information gathered on SMB to create a new factor for its credit evaluation - “the Reputation Score” where the process is very easy and intuitive. Staff Enabler or Disruptor Tag Line A platform where SMB can raise funds based on their reputation Located Tel Aviv, Israel Year Founded 2015 Key People Jack Elaad, Co-Founder Maya Komerov, Co-Founder & CEO Matan Barak, CTO Website www.credithood.com Specialisation Lending Size $$$$$ User Engagement The 100 Leading Fintech Innovators Report | Page 65 Ownership Private


Слайд 66

Credorax “Through our winning blend of technology, banking licenses and unparalled client services, Credorax is overcoming regulatory, cultural and technological obstacles worldwide.” - Benny Nachman, Co-Founder & CEO At a Glance Company Description An acquirer specifically focused on the e-commerce and m-commerce arenas, Credorax introduces an entirely new breed of acquiring - Smart Acquiring, to partners and online merchants. Credorax’s acquiring solutions are based on its core technology, ePower™, a next-generation payment processing platform. With services designed to be flexible, scalable and fully customized to individual needs, Credorax combines pioneering technology with a uniquely serviceoriented approach for exceptional business results. Tag Line Unifying Regulations, Culture and Technology to Create True Global e-Commerce Located Southborough, United States Year Founded 2007 Key People Staff Enabler or Disruptor Benny Nachman, Founder & CEO Website www.credorax.com Specialisation Size $$$$$ User Engagement Payments Ownership Private The 100 Leading Fintech Innovators Report | Page 66


Слайд 67

ebankIT “We will be able to be present in a significant number of countries.” - João Lima Pinto, CEO Company Description At a Glance An omnichannel banking product company, which provides the latest financial technology innovation. We create products focused on delivering your core banking to customers in a way they will enjoy and engage with, such as mobile banking apps, contact center solutions, banking kiosks, Facebook banking, commercial GPS, banking solutions for wearable technology and ultimately, solutions for augmented reality. Tag Line Innovation for banking channels Located Porto, Portugal Year Founded 2014 Key People João Lima Pinto, CEO Staff Enabler or Disruptor Renato Oliveira , Director Luísa Ribeiro, Director Website www.ebankit.com Size User Engagement Specialisation Retail banking $$$$$ Ownership Private The 100 Leading Fintech Innovators Report | Page 67


Слайд 68

Ebury “Technology and globalisation have changed the nature of business and, as a result, opportunities to trade internationally have significantly increased and are no longer reserved for large companies.” - Salvador Garcia, Co-CEO & Co-Founder At a Glance Company Description Ebury, the global finance specialist, is empowering businesses to trade smarter with the world, giving them the negotiating muscle to maximise profits and perform like major corporates. Ebury works with over 5,000 businesses and organisations across Europe, providing them with greater and faster access to finance, while helping them to manage currency risk and strategically plan their approach to overseas payments. Tag Line What Borders? Located London, United Kingdom Year Founded 2009 Key People Salvador Garcia, Co-Founder & Co-CEO Staff Enabler or Disruptor Juan Lobato, Co-Founder & Co-CEO Website https://www.ebury.com Specialisation Size User Engagement Currency and Forex Ownership $$$$$ Private The 100 Leading Fintech Innovators Report | Page 68


Слайд 69

Elliptic “[Elliptic] will be a huge benefit to Bitcoin-related businesses attempting to decrease risk factors.” - The Telegraph Company Description At a Glance Elliptic exists to make your bitcoin assets safer, more secure and easier to manage. Elliptic is a blockchain security and compliance company that was established in 2013 to capitalise on the potential of the blockchain technology and to help transfer the rigorous security and compliance standards of traditional finance to the world of digital currencies. Tag Line Elliptic brings safety and certainty to the blockchain Located London, United Kingdom Year Founded 2013 Staff Enabler or Disruptor Key People James Smith, CEO Tom Robinson, COO Yacoob Kurimbokus, CTO Size User Engagement $$$$$ Website www.elliptic.co Specialisation Other Ownership Private The 100 Leading Fintech Innovators Report | Page 69


Слайд 70

Equitise “We want the companies we crowdfund to have a safe, secure and transparent way of trading securities.” - Will Mahon-Heap, Co-Founder & New Zealand Manager At a Glance Company Description Bringing investors and business owners together, the Equitise Investment Platform simplifies the investment marketplace. It removes traditional barriers to investing and sourcing capital by making the process quick, easy and safe. In doing so, we help businesses to grow and thrive. It’s the modern way to raise capital. Entrepreneurs profile their plans and set a funding target, investors then commit money to their preferred opportunities and if funding targets are reached, shareholder agreements are signed. Staff Enabler or Disruptor Tag Line Capital from the crowd Located Sydney, Australia Year Founded 2014 Key People Chris Gilbert, Co-Founder/MD Jonny Wilkinson, Co-Founder/ MD Will Mahon-Heap, Co-Founder/ NZ Manager Panche Gjorgjevski, Co-Founder/ CTO Size User Engagement $$$$$ Website http://equitise.co.nz/ Specialisation Crowd funding Ownership Private The 100 Leading Fintech Innovators Report | Page 70


Слайд 71

Estimize “The innovation of Estimize is that identity does not matter.” - Leigh Drogen, Founder & CEO Company Description At a Glance Estimize is an open financial estimates platform which facilitates the aggregation of fundamental estimates from independent, buy-side, and sell-side analysts, along with those of private investors and students. By sourcing estimates from a diverse community of individuals, Estimize provides both a more accurate and more representative view of expectations compared to sell side only data sets which suffer from several severe biases. Tag Line Sample size matters Located New York, United States Year Founded 2011 Key People Leigh Drogen, Founder & CEO Website Staff Enabler or Disruptor www. estimize.com Specialisation Other Ownership Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 71 Private


Слайд 72

Fastacash “Everyone talks about the sharing economy but what people are not doing via these networks is sharing economics. They share videos and photos, but they are not sharing real economics such as money.” - Vince Tallent, Chairman & CEO At a Glance Company Description Fastacash provides a global social payments platform which allows users to transfer value (money, airtime, other tokens of value, etc.) along with digital content (photos, videos, audio, messages, etc.) through social networks and messaging platforms. The company has developed a patent pending link generation technology that enables the value transfer with a secure link. As a technology enabler, Fastacash partners with companies and brands in the payments, remittance, consumer products, social and gaming industries to bring its technology to end users. Tag Line Changing the way the world makes payments. Located Singapore, Singapore Year Founded 2012 Key People Vince Tallent, CEO & Chairman Staff Enabler or Disruptor Peter Harkin, CFO Website http://fastacash.com Specialisation Size User Engagement $$$$$ Payments Ownership Private The 100 Leading Fintech Innovators Report | Page 72


Слайд 73

Fidor Bank “Our account is more like a marketplace than a closed box current account, it is a social community with a banking licence, it is a peer-to-peer economy.” - Matthias Kroner, CEO Company Description At a Glance Munich-based Fidor Bank is the first Web 2.0 bank in Germany, i.e. the first direct bank for the internet age of social networks. Fidor has made a deliberate choice in favour of social banking; a counter-model to conventional banking. Fidor TecS AG develops, implements and operates the digital banking platform fidorOS for Fidor Group and further white label partners. It employs about 50 people. Fidor TecS AG is a 100% subsidiary of Fidor Bank AG. Staff Enabler or Disruptor Tag Line Quick, easy and fair Located Munich, Germany Year Founded 2007 Key People Matthias Kröner, CEO Michael Maier, COO Steffen Seeger, CFO Website Size User Engagement $$$$$ www.fidor.de Specialisation Retail banking Ownership Private The 100 Leading Fintech Innovators Report | Page 73


Слайд 74

FinanceIt “The point-of-sale finance space is in desperate need of better solutions for merchants, and fairer, more transparent financing options for consumers.” - Michael Garrity, Co-founder & CEO At a Glance Company Description Financeit is a free, cloud-based, point-of-sale financing platform. The company makes it easy for businesses to offer their customers affordable payment options from anywhere at anytime, and empower them to buy more of what they really want. Financeit is designed with both small to medium sized businesses and their customers in mind. Choosing Financeit means choosing a fair and transparent experience, from application to the close of every loan. Staff Enabler or Disruptor Tag Line Grow your business today Located Toronto, Canada Year Founded 2011 Key People Michael Garrity, Co-Founder & CEO Casper Wong, Co-Founder & COO Paul Sehr, Co-Founder & CTO Website Size User Engagement $$$$$ www.financeit.io Specialisation Payments Ownership Private The 100 Leading Fintech Innovators Report | Page 74


Слайд 75

Friendsurance “Friendsurance is a combination of friend and insurance. Originally the idea was to connect friends and family. But practice has shown that knowing each other in person is not crucial for our concept.” - Tim Kunde, Co-founder & Managing Director Company Description At a Glance Friendsurance brings peer-to-peer finances to the insurance sector. It allows small groups of people to anonymously combine their premiums and if no claims are made, up to 40% of premiums will be returned to the clients. Insurance not only becomes cheaper for the consumer, but also provides a financial benefit for careful and fair behavior, which in turn reduces fraud and reduces the cost of claims for insurance companies. Tag Line The P2P Insurance Concept Located Berlin, Germany Year Founded 2010 Key People Tim Kunde, Co-Founder / MD Staff Enabler or Disruptor Janis Meyer-Plath, Co-Founder, Head of Marketing & Sales Sebastian Herfurth, Co-Founder/MD Website Size User Engagement $$$$$ http://www.friendsurance.com/ Specialisation Insurance Ownership Private The 100 Leading Fintech Innovators Report | Page 75


Слайд 76

GoCardless “My belief is that one of the fundamental things that differs between fintech companies and the banks is design.” - Hiroki Takeuchi, CEO At a Glance Company Description GoCardless provides a simple and cost-effective way to accept recurring payments. GoCardless has automated and abstracted away the complexities of Direct Debit to expose an interface so simple anyone can use it, yet powerful enough to serve the UK’s largest institutions. They count multi-national businesses on our client list alongside individual personal trainers, and allow both to save time and focus on their business. Their technology also allows for them to keep fees low compared to other payment methods, just 1% per transaction, capped at £2. Their vision is to create a global Direct Debit network, making it easy for anyone to collect Direct Debit payments from anywhere in the world. This will allow businesses to collect money quickly and efficiently in countries around the world. Staff Enabler or Disruptor Tag Line Recurring payments made simple Located London, United Kingdom Year Founded 2011 Key People Hiroki Takeuchi, CEO Website http://www.gocardless.com Specialisation Currency and Forex Ownership Private Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 76


Слайд 77

GoHenry “goHenry helps solve one of the greatest problems facing parents and children today – how to enable children to spend safely in the increasingly cashless and digital world.” - David Roche, Executive Chairman Company Description At a Glance goHenry provides a Pre-paid Card and App with unique parental controls for young people aged 8 to 18. Each child gets their own goHenry debit card, and parents are able to set the rules and spending limits giving children the opportunity to gain independence in managing their money. Parents can easily set up automatic pocket money payments, set tasks to help their children earn extra money or make one-off money transfers straight to their child’s account, all in real time. It’s the smart solution for the younger generations to gain confidence with money. Tag Line At last an easy (and fun) way to pay pocket money and teach your kids good money habits Located London, United Kingdom Year Founded 2012 Key People Alex Zivoder, CEO Staff Enabler or Disruptor Louise Hill, COO Website https://www.gohenry.co.uk Specialisation Size $$$$$ User Engagement Retail banking Ownership Private The 100 Leading Fintech Innovators Report | Page 77


Слайд 78

Meniga “It has been the goal of Meniga from the beginning to create solutions that help individuals and families around the world with their finances.” - Georg Lúðvíksson, Co-Founder & CEO At a Glance Company Description Meniga is the European market leader of white-label Personal Finance Management (PFM) and next-generation online banking solutions. Meniga’s award winning solution helps multiple retail banks across the world create mutually beneficial digital relationships with their customers by dramatically improving their online and mobile banking user experience through innovative solutions designed to get people to think about and engage with their finances. Meniga believes in a consumer driven data ecosystem where digital engagement is translated into market intelligence and helps optimise spending by offering consumers highly targeted contextualised offers (PFM driven marketing). Tag Line Listening to 21st century banking Located Reykjavík, Iceland Year Founded 2009 Key People Georg Ludviksson, Co-Founder & CEO Asgeir Orn Asgeirsson, Co-Founder & CTO Staff Enabler or Disruptor Website http://www.meniga.com/ Specialisation Other Size $$$$$ User Engagement The 100 Leading Fintech Innovators Report | Page 78 Ownership Private


Слайд 79

Metamako “They are a young company focused on leading the market through innovation and addressing real market issues. They have a typically Aussie, can-do attitude, which is incredibly refreshing.” - Alastair Richardson, Head of Business Development Company Description At a Glance Metamako is a cutting edge device company that specialises in solutions for latency sensitive businesses. They design and manufacture enterprise grade network devices with the goal of simplifying networks, reducing latency and increasing flexibility. Metamako’s industry leading products range from MetaConnect, a layer 1+ switch which can replicate data streams in 4 nanoseconds with undetectable jitter, to MetaApp, a hybrid switch with FPGA and x86 server technology allowing clients to bring their own business intelligence directly to the edge of the network without compromising performance. Tag Line Simplifying networks, reducing latency, increasing flexibility Located Sydney, Australia Year Founded 2013 Key People David Snowdon, Founder & CTO Staff Charles Thomas, Founder & CTO Enabler or Disruptor Scott Newham, Founder & Manager Website www.metamako.com Specialisation Size User Engagement $$$$$ Other Ownership Private The 100 Leading Fintech Innovators Report | Page 79


Слайд 80

Moula “The market will now have two [purely online] lending providers but that is really the key driver for us going beyond online.” - Aris Allegos, Co-founder & CEO At a Glance Company Description Moula is one of Australia’s leading providers of unsecured business loans. Apply for a small business loan of up to $100,000 with no hidden fees and no hassle. Moula is Australia’s only dedicated provider of working capital to small and medium businesses. They have developed a unique platform that will analyse business data, providing funding that is relevant and appropriate to help you grow. Tag Line Business Loans. Quick. Smart. Located Melbourne, Australia Year Founded 2013 Key People Aris Allegos, CEO Staff Andrew Watt, COO Enabler or Disruptor Piers Moller, CTO Website https://moula.com.au Size $$$$$ Specialisation User Engagement Lending Ownership Private The 100 Leading Fintech Innovators Report | Page 80


Слайд 81

MyMicroInvest “Crowdfunding is demonstrating its capacity to offer entrepreneurs with a real alternative source of funding and to provide individual investors the opportunity to participate to quality projects.” - Olivier de Duve, Co-Founder & CEO Company Description At a Glance MyMicroInvest is a “Venture Capital” investment platform which uses crowdfunding techniques to allow individuals to select and invest alongside professionals in European startups and SME’s. They enable individuals to invest €100 or more in innovative companies, which allows them to participate in successful ventures of their choice. MyMicroInvest has funded more than 40 SMEs on its platform for more than €12 million from a community of 30,000 investors. Tag Line Invest alongside professionals Located Brussels, Belgium Year Founded 2011 Key People Olivier de Duve, Co-Founder & CEO Staff Charles-Albert de Radzitzky, COO Enabler or Disruptor José Zurstrassen, Chairman Website www.mymicroinvest.com Specialisation Size User Engagement $$$$$ Crowd funding Ownership Private The 100 Leading Fintech Innovators Report | Page 81


Слайд 82

Number26 “The future of banking is the smartphone, not the bank branch. The young customers want full transparency, mobility and security.” - Valentin Stalf, CEO At a Glance Company Description Number26 builds the most modern bank account in Europe and is the first one that you can manage entirely on your smartphone. Since April 2015, Peter Thiel - Co-founder of PayPal and Valar Ventures are connected to Number26 as investors and support Number26 in achieving their vision. Additional early stage premium partners are Earlybird Venture Capital, Redalpine Venture Partners, Axel Springer AG and well-known visionaries in the Fintech area field who are part of this great vision to make Mobile Banking easy and customer-oriented. Staff Tag Line Europe’s most modern bank account Located Berlin, Germany Year Founded 2013 Key People Valentin Stalf, CEO Maximilian Tayenthal, CFO Enabler or Disruptor Christian Rebernik, CTO Website https://number26.eu/ Specialisation Size User Engagement Retail banking Ownership $$$$$ Private The 100 Leading Fintech Innovators Report | Page 82


Слайд 83

Numoni “Our objective is not to be a bank, we just want migrant workers to be able to send small sums of money to their loved ones to improve the quality of their lives.” - Norma Sit, CEO Company Description At a Glance Numoni was formed in Singapore to bring financial inclusion to the underbanked with its Cash-In Cash-Out solution. Numoni created and developed the userfriendly Cash-Transaction terminal – NUGEN – to empower the underbanked community with e-transactions. This simple self-service NUGEN terminal enables micro remittance, micro payment and micro loan. It allows the underbanked to use cash to Recharge their prepaid mobile airtime; vouchers; stored valued cards and wallets, remit prepaid mobile airtime and money, repay utilities bills; school fees; installment loans, release donations, receive micro-saving; donations and Retail vouchers. Tag Line When Global Digital Revolution Meets Local Money Located Singapore, Singapore Year Founded 2012 Key People Norma Sit, CEO Website www.numoni.com Staff Enabler or Disruptor Specialisation Retail banking Ownership Private Size $$$$$ User Engagement The 100 Leading Fintech Innovators Report | Page 83


Слайд 84

Orchard Platform “Every asset class needs a benchmark, and we’ve created the first one for the marketplace lending industry.” - Matt Burton, CEO Company Description At a Glance Orchard Platform is a technology and infrastructure provider for marketplace lending. Orchard supports operational efficiencies to help institutional investors, investment managers and loan originators connect and transact. Orchard’s mission is to build the systems that will allow marketplace lending to efficiently grow into a global financial market. Orchard enables institutional investors and investment managers to allocate capital to marketplace lending, with best practices, manager identification, portfolio benchmarking and strategic access to supply. Orchard helps originators across multiple asset classes diversify their capital structure with marketplace lending distribution, and provides market insights, scalable infrastructure and reporting to enable originators to focus on making loans and giving borrowers more choices. Staff Enabler or Disruptor Tag Line Powering Marketplace Lending Located New York, United States Year Founded 2013 Key People Matt Burton, Co-founder & CEO Jonathan Kelfer, Co-Founder & CTO Angela Ceresnie, Co-Founder & CFO Website https://orchardplatform.com/ Specialisation Lending Ownership Size $$$$$ Private User Engagement The 100 Leading Fintech Innovators Report | Page 84


Слайд 85

Osper “There are lots of exciting fintech start-ups out there at the moment but none have gone head on with core banking like we have, We’re going after the heartland of banking.” - Alick Varma, Founder & CEO Company Description At a Glance Osper is a mobile banking service that gives children as young as eight a safe way to learn to save by doing. The young person gets a debit card that their parent tops up weekly or monthly with their budget. The card can be used in shops, at cash machines and online. Both parent and child get an app that allows them to track spending on the card together. The experience helps young people to learn in the way that’s most natural - by doing. It changes the way that the kids and parents talk about money too. Osper wants to make family budgeting a shared experience - one that’s trusting and educational, and provides the life lessons that so many adults never had when they were young. Tag Line Reinventing banking for young people Located London, United Kingdom Year Founded 2012 Key People Alick Varma, Founder & CEO Website http://osper.com Staff Specialisation Enabler or Disruptor Payments Ownership Private Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 85


Слайд 86

PayRange “We can bring payment to machines that would not have had any other connectivity.” - Paresh Patel, Founder & CEO At a Glance Company Description PayRange is the world’s simplest mobile payment solution for vending, parking, transit ticketing, laundry, amusement, and more. In under a minute, operators of legacy machines plug-in the PayRange BluKey, which is as easy as inserting a USB thumb drive. The machines – dating back 20 years old or more – can then accept payment via a smart phone app. The system expands reach of card payment, Apple Pay, and Android Pay to non-networked machines. Tag Line World’s simplest payment solution for machines. Located Portland, United States Year Founded 2013 Key People Staff Enabler or Disruptor Paresh Patel, Founder & CEO Anna Nguyen, COO Website http://payrange.com Size $$$$$ Specialisation User Engagement Payments Ownership Private The 100 Leading Fintech Innovators Report | Page 86


Слайд 87

Personetics “By building the most advanced predictive analytics available right into FIBI’s digital channels, we’re able to help their customers make better financial decisions across their banking and investment portfolios.” - David Sosna, CEO Company Description At a Glance Personetics is a venture-backed company pioneering an innovative new category of digital consumer banking called Personalized Guidance. Their innovative solution enables banks around the world to deliver individual customer experiences across all digital channels that are simple, smart, useful and personally relevant. The Smart Assistant service not only accurately predicts customer needs and intentions, it enables banks to better focus on each customer’s individual self-interest, which in turn builds trust, improves customer loyalty, increases product usage and adoption, and lowers costs. Tag Line Taking digital banking personal Located Tel Aviv, Israel Year Founded 2010 Key People David Sosna, Co-Founder & CEO David Govrin, Co-Founder Staff Enabler or Disruptor & General Manager, Israel Ido Ophir, VP. Product Management Website www.personetics.com Size $$$$$ Specialisation User Engagement Other Ownership Private The 100 Leading Fintech Innovators Report | Page 87


Слайд 88

Plaid “Plaid makes it easy for developers to build financial applications.” - TechCrunch At a Glance Company Description Plaid enables businesses to access financial-related data from their customers in a simple and secure way. We offer a range of products that help solve common business problems and provides improved customer experiences through modern payment solutions, rich financial data, and intelligent risk & identity tools. Our clients range from leading fintech companies to traditional banks and financial institutions. Tag Line Enable companies to deliver modern financial solutions Located San Francisco, United States Year Founded 2012 Key People Zach Perret, CEO Staff Enabler or Disruptor Website https://plaid.com Specialisation Retail banking Size $$$$$ Ownership User Engagement The 100 Leading Fintech Innovators Report | Page 88 Private


Слайд 89

PromisePay “Taking actual payments is relatively straightforward, but marketplaces are not well-equipped in fraud management, end-user support and dispute resolution services.” - Simon Lee, Co-founder & CEO Company Description At a Glance PromisePay is a fully managed payments platform built just for online marketplaces. Up and running in a single day with no extra operational overheads or costs, PromisePay powers fast, flexible and frictionless payments so marketplaces can build platform trust, improve user experience, and drive revenue. Tag Line Fully managed payments for marketplaces Located Melbourne, Australia Year Founded 2013 Key People Staff Enabler or Disruptor Simon Lee, Co-Founder & CEO Simon Jones, CTO Darren McMurtrie, Chief Experience Officer Size User Engagement Website https://promisepay.com/ $$$$$ Specialisation Payments Ownership Private The 100 Leading Fintech Innovators Report | Page 89


Слайд 90

Property Partner “Property Partner is transforming the way people invest in the residential property market. Our vision is to create a global stock exchange for residential property.” - Dan Gandesha, CEO At a Glance Company Description Property Partner is a property crowdfunding platform which enables people to invest in residential property at the click of a button. Investors can buy shares in individual buy-to-let properties similar to the way they can invest in stocks. They can invest as little or as much as they like in an individual property. Once the property is fully crowdfunded, investors receive rental income in proportion to the number of shares they have. Property Partner finds the tenants and manages the property. Investors can exit their investment at any time through a secondary market on the Property Partner platform and/or after five years when the individual property is sold at market value. The vision for Property Partner is to create a global stock exchange for residential property. Tag Line Property crowdfunding platform Located London, United Kingdom Year Founded 2014 Key People Dan Gandesha, CEO Thomas Remmert, CTO Nick Parr, CFO Website Staff Enabler or Disruptor http://www.propertypartner.co Specialisation Crowd funding Ownership Size $$$$$ User Engagement The 100 Leading Fintech Innovators Report | Page 90 Private


Слайд 91

Qumram “Record it. Prove it. Replay it. Predict it. Marketing and Compliance will love it.” - Qumram Company Description At a Glance Qumram provides a solution for session recoding and replay of user interactions for web, social media and mobile channels to ensure regulatory compliance, detect online fraud and improve customer experience. Qumram seamlessly records all online information, transactions and engagements across all the digital channels; web, social media and mobile. It creates a single source of truth for all your online information and activities at any given point in time for legal and compliance benefits. It allows easy discovery of relevant recorded data, playback of user sessions and reproduces authentic information for better customer service and behavior insights. Customers gain insight across all digital activities. They analyze their customers experience and discover opportunities to boost banks and insurances conversion and increase their sales.  Tag Line Leading Session Recording and Replay Company for compliant insights. Located Zurich, Switzerland Year Founded 2011 Key People Patrick Barnert, CEO Simon Scheurer, CTO Simone Junod, CFO & HR Staff Enabler or Disruptor Website www.qumram.com Specialisation Other Size $$$$$ User Engagement The 100 Leading Fintech Innovators Report | Page 91 Ownership Private


Слайд 92

Renrendai “As long as you had a good idea and dared to do so, it was not too difficult to make a success because of less competition.” - Yang Yifu, Co-founder At a Glance Company Description Renrendai, founded in 2010, is one of the AAA personal financial information service platforms granted by Chinese authorities. Through five years’ development, it has 2 million registered users. It is one of the most influential peer to peer lending service companies in China. It was in the “top 100 internet companies in China” in 2015. Staff $$$$$ Located Beijing, China Year Founded 2009 Key People Enabler or Disruptor Shishi Zhang, CEO Yang Yifu, Co-Founder Undisclosed Size Tag Line Define your own finance Website www.renrendai.com User Engagement Specialisation Lending Ownership Private The 100 Leading Fintech Innovators Report | Page 92


Слайд 93

Revolut “Revolut has an ambition to change the way money is transacted, sent and spent around the world.” - Nikolay Storonsky, Founder & CEO Company Description At a Glance Revolut is the transparent global money app enabling the user to spend and send money globally at 0% commission with the best available exchange rates. Revolut launched in July 2015 to emphasize fairness and freedom in finance combined with a great user experience. Within the first 3 months the app had 47,000 active users who had transacted over $100m with an average of $1.3m transactions per day. Staff Tag Line The Global Money App Located London, United Kingdom Year Founded 2014 Key People Nikolay Storonsky, Founder & CEO Enabler or Disruptor Vlad Yatsenko, Co-Founder & CTO Website www.revolut.com Specialisation Size User Engagement Currency and Forex Ownership $$$$$ Private The 100 Leading Fintech Innovators Report | Page 93


Слайд 94

Ripple “The technology’s ready, It’s ready for adoption. Now it’s just a matter of scaling it up.” - Chris Larsen, CEO & Co-Founder At a Glance Company Description Ripple provides global financial settlement solutions to enable the world to exchange value like it already exchanges information – giving rise to an Internet of Value (IoV). Ripple solutions lower the total cost of settlement by enabling banks to transact directly, instantly and with certainty of settlement. Banks around the world are partnering with Ripple to improve their crossborder payment offerings, and to join the growing, global network of financial institutions and market makers laying the foundation for the Internet of Value. Staff Enabler or Disruptor Tag Line Instant, certain, low-cost international payments Located San Francisco, United States Year Founded 2012 Key People Chris Larsen, Co-Founder & CEO Brad Garlinghouse, COO Bret Allenbach, CFO Website Size User Engagement https://ripple.com/ Specialisation $$$$$ Payments Ownership Private The 100 Leading Fintech Innovators Report | Page 94


Слайд 95

SalaryFinance “SalaryFinance is a ‘no-brainer’ solution for businesses that are keen to help their employees improve their financial health.” - Dan Cobley, Former head of Google UK and chairman of SalaryFinance Company Description At a Glance SalaryFinance is a new employee benefit whose mission is to save UK workers £4bn per annum through lower interest repayments. SalaryFinance works with progressive employers to help their staff reduce their personal finance interest costs. Their platform allows employees to take out loans when they need it, with repayments collected from salary deductions. This repayment method substantially lowers risk/cost, the savings from which we pass on to employees. They focus on reducing the cost of existing borrowing, rather than encouraging more. On average, employees who use SalaryFinance, benefit from an equivalent 2-3% pay rise, through lower interest costs. There is minimal admin and no cost or liability for employers, making SalaryFinance a win-win product, for Tag Line Helping employees to improve their financial health. Located London, United Kingdom Year Founded 2015 Key People Asesh Sarkar, Co-Founder & CEO Dan Cobley, Co-Founder and Chairman employers and their staff. Daniel Shakhani, Co-founder and Advisor Staff Enabler or Disruptor Website www.salaryfinance.com Specialisation Lending Size $$$$$ User Engagement The 100 Leading Fintech Innovators Report | Page 95 Ownership Private


Слайд 96

Simply Wall St “I launched the app after I realised how hard it was to start investing in shares myself.” - Al Bentley, Co-founder & CEO At a Glance Company Description Simply Wall Street visualizes stocks, portfolios and Exchange Traded Funds using infographics to help casual investors understand the stock market and become better investors. Having the ability to turn you into a better investor by helping you make non-emotional long term investment decisions on high quality stocks. Simply Wall Street evaluates every listed company and turns the data into beautiful and easy to understand infographics. In only a few minutes you can get a full understanding of the company’s performance and see if it could be a good investment for you. Tag Line Discover the new visual way to invest. Located Sydney, Australia Year Founded 2014 Key People Al Bentley, Co-Founder & CEO Nick van den Berg, Co-Founder & COO Staff Jabin Bastian, CTO Enabler or Disruptor Website https://simplywall.st Specialisation Wealth Size User Engagement $$$$$ Ownership Private The 100 Leading Fintech Innovators Report | Page 96


Слайд 97

SlimPay “SlimPay is all about making recurring payments in Europe as easy and seamless as possible.” - TechCrunch Company Description At a Glance SlimPay is a French Fintech startup founded in 2010. SlimPay provides a stateof-the-art platform to process SEPA Direct Debit payments in 34 countries in Europe. With 50 Direct Debit specialists, SlimPay is the European leader in Direct Debit fully compliant with EU regulation. Tag Line Your recurring payments gateway for SEPA Direct Debit and more… Located Paris, France Year Founded Staff 2010 Enabler or Disruptor Key People Jerome Traisnel CEO Website Size $$$$$ www.slimpay.com User Engagement Specialisation Payments Ownership Private The 100 Leading Fintech Innovators Report | Page 97


Слайд 98

Stockspot “It’s a digital business model that will make the heads of wealth at the big banks shudder.” - Australian Financial Review At a Glance Company Description Stockspot helps clients invest in a professionally managed portfolio of global investments for a fraction of the fees charged by traditional financial advisers and fund managers. Clients answer a few questions about their financial situation and goals, the online engine then recommends an investment strategy based on their personal profile. Stockspot portfolios invest in low-fee Exchange Traded Funds across a range of asset classes that are constantly reviewed to ensure that clients have access to the best possible return and diversification opportunities. They monitor and optimise portfolios when markets move, and take care of financial reporting. Tag Line Australia’s fastest growing automated investment service Located Sydney, Australia Year Founded 2013 Key People Chris Brycki, Founder & CEO Larry Lee, CMO Staff Enabler or Disruptor Michelle Navaratne, Client Care Website https://www.stockspot.com.au/ Specialisation Size User Engagement $$$$$ Wealth Ownership Private The 100 Leading Fintech Innovators Report | Page 98


Слайд 99

Syndicate Room “Equity crowdfunding can be beautiful, but it has to be sustainable. It has to work for investors.” - Gonçalo de Vasconcelos,Co-Founder & CEO Company Description At a Glance SyndicateRoom is the only UK-based investor-led equity crowdfunding platform. SyndicateRoom allows its members to co-invest alongside experienced angel investors in highly sophisticated investment opportunities on the same economic terms as the lead investors (i.e. they are offered the same share class and price per share). SyndicateRoom was founded by Gonçalo de Vasconcelos and Tom Britton, and its own lead investors and advisers are UK Business Angel of the Year Peter Cowley and super-angel Jonathan Milner. SyndicateRoom is authorised and regulated by the Financial Conduct Authority. Tag Line Intelligent Equity Crowdfunding Located Cambridge, United Kingdom Year Founded 2013 Key People Gonçalo de Vasconcelos, Co-Founder & CEO Staff Enabler or Disruptor Tom Britton, Co-Founder & CTO James Sore, CIO Website https://www.syndicateroom.com/ Size $$$$$ User Engagement Specialisation Crowd funding Ownership Private The 100 Leading Fintech Innovators Report | Page 99


Слайд 100

The Currency Cloud “Customers trust us with their money. They trust us to treat their funds securely, to deliver on time, to report accurately and to be transparent in all of our interactions.” - Mike Laven, CEO At a Glance Company Description Launched in London, Currency Cloud is driving the transformation of the payments landscape to make international business and new markets accessible to everyone. With its developer friendly Payment Engine, businesses can build and automate their products, benefiting from real time wholesale rates and a fast, secure payment network. Everything is delivered by its next generation API. Tag Line A world where moving money is easy Located London, United Kingdom Year Founded 2012 Key People Michael Laven, CEO Staff Enabler or Disruptor John Hammond , CCO Todd Latham, CMO Website www.currencycloud.com Size User Engagement $$$$$ Specialisation Currency and Forex Ownership Private The 100 Leading Fintech Innovators Report | Page 100


Слайд 101

Traity “What we have understood is that we cannot simply give ‘numbers’ to people. We have to appreciate people’s reputation in context.” - Juan Cartagena, CEO Company Description At a Glance Traity measures people’s reputation based on their social media footprint, creating an accurate description of people, including traits such as creativity or perseverance using global 360 feedback, allowing people to trust each other on social networks and collaboration economy sites. Tag Line The Reputaion Standard Located Mountain View, United States Year Founded 2012 Key People Staff Enabler or Disruptor Juan Cartagena, Co-Founder & CEO José Ignacio Fernández, Co-Founder & CTO Borja Martín, Co-Founder & CDO Size User Engagement $$$$$ Website https://traity.com/ Specialisation Security Ownership Private The 100 Leading Fintech Innovators Report | Page 101


Слайд 102

Trulioo “We are committed to providing our clients with greater efficiency, effectiveness and agility by streamlining their AML/KYC process” - Jon Jones, President of Trulioo At a Glance Company Description Trulioo was founded in 2011 with a mission to solve global problems associated with verifying identities online. By building a framework of trust online and implementing comprehensive privacy practices that fuses both traditional and alternative identity data, we are a step closer to achieving full financial inclusion. Trulioo’s bank-grade identity verification product, GlobalGateway, enables businesses to perform frictionless identity verification for more than 3 billion people in over 40 countries via 145 data sources - the widest coverage in the market. GlobalGateway helps businesses comply with AntiMoney Laundering (AML) and Know Your Customer (KYC) identity verification needs, and provides a reliable and trustworthy way for businesses to evaluate new and existing users through one, single portal or API. Trulioo powers fraud and compliance systems for hundreds of clients worldwide in an effort to increase trust and safety online. Tag Line Your Identity Portal to the World Located Vancouver, Canada Year Founded 2011 Key People Stephen Ufford, Founder & CEO Anne Lawlor, CFO Website www.trulioo.com Specialisation Staff Enabler or Disruptor Security Ownership Private Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 102


Слайд 103

Valuto “Valuto.com offers a total package solution for SMEs that until now has only been available to the big global bank’s corporate clients.” - Michał Czekalski - MoneyConf Belfast 2016 Company Description At a Glance Embracing cross-border banking, Valuto offers a multicurrency wallet for SMEs and sole traders, a centralized location to facilitate everything from foreign exchange to sending and receiving cross-border payments. The solution accesses the company’s network of bank accounts across Europe, enabling valuto.com customers to send and receive same day transfers at a fraction of the cost. The platform also leverages the company’s existing currency-exchange marketplace, which boasts over 360,000 registered users and facilitated over 2.5 billion Euro in exchanges in 2014. Additionally Valuto boasts an open API which enable seamless integration with numerous systems including SaaS accounting services, e-invoicing, B2B marketplaces and e-commerce platforms. Tag Line Borderless Banking Located Poznan, Poland Year Founded 2009 Key People Lukasz Olek, Founder & Chief Product Officer Michał Czekalski, Founder & CEO Staff Enabler or Disruptor Website https://valuto.com Specialisation Currency and Forex Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 103 Ownership Private


Слайд 104

Xignite “Fueled by the fintech explosion, our API call volumes have tripled in the past 18 months, Fintech startups, as well as large financial institutions, are more comfortable now with the use of the cloud, and especially APIs.” - Stephane Dubois, Co-Founder & CEO At a Glance Company Description Named one of the ten coolest brands in banking, Xignite provides cloudbased financial market data APIs to help emerging companies and established enterprises deliver real-time and reference market data to their digital assets, such as websites and apps. Xignite’s clients include more than 1,000 financial services, media and software companies from disruptive fintech firms, such as Betterment, FutureAdvisor, Motif Investing, Personal Capital, Robinhood, StockTwits, Wealthfront and Yodlee, to leading financial institutions, exchanges and market data vendors including, NASDAQ OMX, SIX Financial Information and BMO. Tag Line The Market Data Cloud Located San Mateo, United States Year Founded 2006 Key People Stephane Dubois, Co-Founder & CEO Al Chang, CTO Kerry Langstaff, CMO Staff Enabler or Disruptor Website www.xignite.com Specialisation Other Size User Engagement $$$$$ The 100 Leading Fintech Innovators Report | Page 104 Ownership Private


Слайд 105

YoYo Wallet “We are not just trying to solve a payment problem, what makes this work is the opportunity for retailers to increase loyalty and engagement with customers in a way that is not possible with payments made in cash or on a credit card.” - Alain Falys, Co-founder & CEO Company Description At a Glance Yoyo Wallet is more than just payment. Yoyo makes payments easier, faster and more rewarding. When you pay with Yoyo, you’ll automatically collect points and stamps without the hassle of having to think about it. Instantly receive vouchers for rewards and in-app purchases and get digital receipts sent straight to your phone, no fuss. Looking for your next caffeine fix? Buy 12 coffees up front for the price of 10 (you were going to buy that next one anyway!). Staff Tag Line More than just payment Located London, United Kingdom Year Founded 2013 Key People Michael Rolph, Co-Founder & CRO Enabler or Disruptor Alain Falys, Co-Founder & CEO Website www.yoyowallet.com Specialisation Size User Engagement Payments Ownership $$$$$ Private The 100 Leading Fintech Innovators Report | Page 105


Слайд 106

Disclaimer The information contained in this document is of a general nature and is not intended to address the objectives, financial situation or needs of any particular individual or entity. It is provided for information purposes only and does not constitute, nor should it be regarded in any manner whatsoever, as advice and is not intended to influence a person in making a decision, including, if applicable, in relation to any financial product or an interest in a financial product. Although we endeavour to provide accurate and timely information, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. No one should act on such information without appropriate professional advice after a thorough examination of the particular situation. To the extent permissible by law, H2 Ventures and KPMG and their associated entities shall not be liable for any errors, omissions, defects or misrepresentations in the information or for any loss or damage suffered by persons who use or rely on such information (including for reasons of negligence, negligent misstatement or otherwise). © 2015 H2 Ventures. The KPMG name and logo are registered trademarks or trademarks of KPMG International. The 100 Leading Fintech Innovators Report | Page 106


Слайд 107


×

HTML:





Ссылка: