1、2018 FINTECH100 Leading Global Fintech Innovators 2 1 1 2017 FINTECH100 Leading Global Fintech Innovators 1 | Fintech Innovators 2016 1 2016 FINTECH100 Leading Global Fintech Innovators Staff Size $ $ $ $ $ Enabler or Disruptor User Engagement The 100 Leading Fintech Innovators Report Company Descri

2、ption “ Company #00 At a Glance Tag Line Located Year Founded Key People Website Specialisation Key Investors Ownership FINTECH 100 Leading Global Fintech Innovators Report 2015 The 50 Best Fintech Innovators Report 2017 Fintech100 Report 2015 Fintech100 Report 2016 Fintech100 Report 2014 Fintech100

3、 Report 3 The Fintech100 is a collaborative effort between H2 Ventures and KPMG. In its fifth year, the Fintech100 uncovers and evaluates the most innovative Fintech companies globally. The Fintech100 comprises a Top 50 and an Emerging 50 and highlights those companies globally that are taking advan

4、tage of technology and driving disruption within the financial services industry. A judging panel comprised of senior partners from H2 Ventures and KPMG has decided the final composition of the Fintech100 list. H2 Ventures H2 Ventures is a global thought leader in fintech venture capital investment.

5、 Founded by brothers Ben and Toby Heap, and based in Sydney, Australia, it invests alongside entrepreneurs and other investors in early stage fintech ventures. H2 Ventures is the manager of the H2 Accelerator Australias only dedicated fintech accelerator and operates out of Sydneys dynamic Startup H

6、ub. Twitter H2_Ventures LinkedIn H2 Ventures Facebook H2 Ventures KPMG Global Fintech The financial services industry is transforming with the emergence of innovative, new products, channels and business models. This wave of disruption is primarily driven by evolving customer expectations, digitalis

7、ation, as well as continued regulatory and cost pressures. KPMG is passionate about supporting our clients to successfully navigate this change, mitigating the threats and capitalising on the opportunities. KPMGs Global Fintech practice comprises of partners and staff in 45 fintech hubs around the w

8、orld, working closely with financial institutions and fintech companies, to help them understand the signals of change, identify the growth opportunities and to develop and execute on their strategic plans. Twitter KPMG LinkedIn KPMG About the List The Fintech100 highlights truly innovative companie

9、s, creating products and services at the juncture of technology and financial services who are seeking to disrupt the existing processes and products that dominate the marketplace, with fintech companies from 36 countries featuring in this years list. The Fintech100 is divided into two sublists: (1)

10、 the Top 50 established fintech firms around the globe, which are ranked based on innovation, capital raising activity, size and country; and (2) the Emerging 50 firms, which are newer companies that are at the forefront of innovative technologies and practices. Weve selected the companies in the Fi

11、ntech100 following extensive global research and analysis based on data across a range of dimensions. Including the core five factors noted below: 1. Average annual capital raised 2. Rate of recent capital raising 3. Geographic diversity 4. Sectoral diversity 5. X-factor: degree of product, service

12、and business model innovation (a subjective measure that is applied only with respect to companies appearing on the Emerging list) These selection criteria are the key metrics used to calculate the rankings of companies in the Fintech100. Dear Reader, The Fintech100 in 2018 includes: 18 countries fr

13、om the UK and EMEA (Europe, the Middle East and Africa), 11 countries from Asia Pacific (including Australia and New Zealand), and 7 countries from the Americas (North and South America). As in last years report, China represents five of the Top 10 fintech companies in 2018. This follows the trend f

14、rom previous years, as Chinese incumbents continue to scale with a heavy emphasis on payments and insurance. The sectoral breakup of the Fintech100 is as follows: 34 payments and transactions companies, 21 lending companies, 14 wealth companies 12 insurance companies, 10 neo-banks, 4 “multi” compani

15、es (who play across sectors with multiple offerings), 5 “other” companies (including regtech and data analytics innovators who dont fit into traditional categories). Whilst payments and lending companies dominate the 2018 list, we also note the rise in the number of neo-banks, particularly across th

16、e UK and Europe. H2 Ventures and KPMG are excited to present the fifth annual Fintech100 report which compiles a list of the years best fintech innovators from around the world. 4 5 5 This years list reveals a significant jump in venture capital backing of fintech companies. The companies on the 201

17、8 List have raised over US$52B in venture capital (almost double last years figure) and almost $28B of capital in the last 12 months (a 366% increase). We congratulate the Top 10 companies in the Fintech100 for 2018: 1. Ant Financial is the worlds largest third-party payments platform 2. JD Finance

18、is a digital technology company, dedicated to providing digital, online and offline all-scenario services around three key points - data, user and connectivity, using emerging technologies such as big data, AI, cloud computing, blockchain and IoT. 3. Grab uses data and technology to improve everythi

19、ng from transportation to payments across a region of more than 620 million people 4. Du Xiaoman Financial provides short-term loan and investment services 5. SoFi offers a range of lending and wealth management services catering primarily to early-stage professionals 6. Oscar Health seeks to radica

20、lly transform health insurance through technology 7. Nubank is a Brazilian neo-bank that has issued over 5 million credit cards and 2.5 million digital payment accounts 8. Robinhood is a stock brokerage that allows customers to buy and sell U.S listed stocks and EFTs with zero commission 9. Atom Ban

21、k is the UKs first purely digital retail bank 10. Lufax is an online financial asset trading company and uses big data to analyse risk Ben Heap Founding Partner H2 Ventures ben_heapIP23E Ian Pollari Partner Ant Financial, JD Finance, Grab and Du Xiaomon Financial raised USD14.5B, US$2B, US$2B and US

22、$1.9B respectively. Significant Venture investors in Fintech companies include Sequoia Capital and SoftBank, together with strategic investors such as Alphabet (Googles Holding Company), BBVA and Tencent Holdings. Key Highlights 03 Chinese fintech giants expand their offerings Four of this years Fin

23、tech100 top 10 companies, are Chinese fintech firms. All spun out from Chinese retail, insurance and internet giants including Alibaba and JD.com. As these firms user numbers continue to grow at a staggering rate, so do their product offerings. Earlier this year Ant Financial pinned additional funds

24、 to its Yue Bao platform to grow the companys consumer pool. And Tencent Holdings recently invested USD $180M in Brazilian fintech Nubank. Of note in the wider region is Grab who earlier this year launched its fintech arm which will bring its group payments, rewards and loyalty, agent network and fi

25、nancial services under one umbrella. 04 Spotlight on Neo-Banks In the first half of 2018 five investment rounds of over $100M were made into UK and European neo-banks Revolut, Atom Bank, Nubank, N26 and Tandem. Without the weight of legacy technology, they have leapfrogged over traditional infrastru

26、cture and moved faster with product innovation and customer acquisition. Financial services incumbents also continue their move into digital-only offerings; Marcus by Goldman Sachs recently launched in the UK after gaining over $20B worth of deposits just 18 months after its US launch. 05 Internet g

27、iants = fintech Having dabbled in financial services for years, big tech groups, now more than ever, are deepening their activity in the sector. Amazon is providing payment services and loans to merchants on its platform, while Facebook recently secured an electronic money licence in Ireland. Alibab

28、a, Baidu and Tencent have become dominant operators in Chinas $5.5 trillion payments industry. 9 06 Spotlight on emerging markets The Fintech100 includes a broad range of fintech companies from 36 different countries (up from 28 last year), with companies from Argentina, Bahrain, Colombia, Czech Rep

29、ublic, Indonesia, Jordan, Malaysia, Myanmar, United Arab Emirates, Vietnam and Thailand included for the first time. It is noteworthy that almost half of this years companies were founded and continue to operate in emerging markets. 07 On-demand Insurtech business models Disruption in the insurance

30、space holds strong with 12 insurtech companies on this years list. Transformational technology and changing consumer lifestyles are leading to usage-based, on-demand and peer-to-peer models that are reimagining the way insurance is both offered and consumed. Insurtechs like Lemonade and Metromile ar

31、e using automation, data analytics, connected devices, and machine learning to build holistic policies for consumers that can be switched on and off on-demand. 08 Asia Pacific on the rise 37 companies from the region feature on the list are from Asia Pacific (up from 31 last year), including eight c

32、ompanies from Australia and New Zealand. 09 ICOs on the rise This year, 12 companies on the list (11 from the emerging 50) raised capital via an Initial Coin Offering totalling $729M. The majority of those are from Emerging markets including Lithuania, Russia, Thailand, Argentina and Barbados. For b

33、etter or worse ICOs are proving to be an attractive and innovative alternative to traditional capital raising pathways. 10 Diversity is a powerful driver of innovation We have seen an explosion of innovation over the past five years, across geographics and sectors. And we attribute much of this inno

34、vation to the diversity of experiences, and the inherent creativity, of the individuals that are founding so many of these companies. Over 200 founders are behind the companies on this years list and close to 1,000 founders have been recognised over the past five years. These founders come from coun

35、tries across the world; they have experiences across industries inside and outside financial services; but they all have ambition and vision. The Fintech 100 is about searching for hidden gems, the founders and companies that are changing the world. 10 Leading 50 page #01Ant Financial12 #02JD Financ

36、e13 #03Grab14 #04Du Xiaoman Financial15 #05SoFi16 #06Oscar Health17 #07Nubank18 #08Robinhood19 #09Atom Bank20 #10Lufax21 #11 OneConnnect Financial Technology 22 #1251 Credit Card23 #13Revolut24 #14Compass25 #15Stripe26 #16Clover Health27 #17Adyen28 #18Policybazaar29 #19Klarna30 #20 ACORN Oaknorth Ho

37、ldings 31 #21Kreditech Holding32 #22Monzo33 #23WeLab34 #24Number26 (N26)35 #25WealthSimple36 #26AfterPay Touch37 #27Dianrong38 #28VivaRepublica (Toss)39 #29QUOINE40 #30Kabbage41 #31Affirm42 #32OurCrowd43 #33SolarisBank44 #34Future Finance45 #35Neyber46 #36ZhongAn47 #37TransferWise48 #38Pushpay49 #39

38、League Inc.50 #40Circle51 #41Lendingkart52 #42Opendoor53 #43Metromile54 #44Folio55 #45Lendix56 #46GuiaBolso57 #47Starling Bank58 #48Coinbase59 #49Airwallex60 #50Lemonade61 The 100 11 Emerging 50 page Agri Digital 62 Anyfin 63 Aqeed Technology 64 Bankera 65 Blackmoon Financial Group 66 BlockFi Lendin

39、g 67 Brex 68 Cashaa 69 Cellulant 70 Cleo 71 Coya 72 Crypterium 73 DAYLI Financial Group 74 Dreams 75 Funding Societies 76 Geru 77 InstaReM 78 Konfio 79 Kredivo 80 Kyber Network 81 Liwwa 82 Look Whos Charging 83 MoMo 84 Nod 85 Omise 86 Payr 87 PaySense 88 PayTabs 89 Pleo 90 Plussimple (+Simple) 91 Po

40、lymath 92 Power Ledger 93 Pundi X 94 Quantexa 95 Recordsure 96 Ripio Credit Network 97 Shift Technology 98 Singlife 99 Tala 100 Tally Technologies 101 TenX 102 ThisIsMe 103 Tide 104 Tiger Brokers 105 Tpaga 106 Trade Ledger 107 Varo Money 108 Wallet.ng 109 Wave Money 110 WeBank 111 presented in alpha

41、betical order Symbols Explained How many staff work at the company Companies to watch in the coming years 12 01 Ant Financial Company Description Ant Financial Services Group is dedicated to using technology to bring the world equal opportunities. Their technologies, including blockchain, artificial

42、 intelligence, sercurity, Internet of Things and computing, has helped Ant Financial and their ecosystem partners to serve the unbanked and underbanked. By the end of March 2018, together with their JV partners, Ant Financial served 870 million users worldwide. Brands under Ant Financial include Ali

43、pay, Ant Fortune, Yue Bao, Zhima Credit, MYbank and Ant Financial Cloud. Notable Investors Temasek Holdings, GIC, China Investment Corp (CIC), CCB Trust, China Life, China Post Group, China Development Bank Capital, Primavera Capital Group, National Social Security Fund (NSSF) “Eric, CEO has shown a

44、 unique combination of idealism, optimism and professionalism. He dreams big, yet is down-to-earth. He keeps his eye on the future while making every day count,” Jack Ma Tagline Bring small and beautiful changes to the world Located China Year Founded 2004 Key People Eric Jing Website Category Multi

45、 Ownership Private Rank Last Year 01 Staff At a Glance 13 02 JD Finance Company Description JD Finance began operating as an independent company in October 2013. Positioned as a digital technology company serving financial institutions, JD Finance is dedicated to providing digital, online and offlin

46、e all- scenario servicesaround three key points - data, user and connectivity, by means of such emerging technologies as big data, AI, cloud computing, blockchain and IoT. By so doing, it is aimed to empower financial institutions to improve efficiency, reduce costs and increase income in the core v

47、alue sections like scenario expansion, customer acquisition, operation, risk control, and R connecting businesses and governents to increasingly mobile consumers. Cellulant now operates in 11 countries, with roughly 12% of Africas mobile consumers now able to make payments using their services and p

48、roducts. They are also building Agrikore, a blockchain based smart-contracting, payments marketplace system that ensures that everone in agriculture can do business in a trusted environment. Notable Investors The Rise Fund, Satya Capital, Endeavour Catalyst, Velocity Capital mobile does. Talas techn

49、ologies are unlocking trillions of dollars in purchasing power in the worlds fastest growing economies. Through their mobile app and unique channel, they gather an average of 10,000 discrete data points per user to provide personalized offers and deliver real-time credit. Tala has now delivered over 6 million loans to nearly 1.3 million customers totalling more than $300 million. Notable Investors Revolution Growth, Thomvest Ventures, Ribbit Capital, Lowercase