2018
FINTECH100

Leading Global Fintech Innovators

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.

Key Stats

500BCapital Raised
360Countries Represented
2150Founders

Dear Reader

The Fintech100 highlights truly innovative companies, 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 year’s list.

The Fintech100 is divided into two sublists: (1) 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.

We’ve selected the companies in the Fintech100 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 and business model innovation (a subjective measure that is applied only with respect to companies appearing on the Emerging list)

The Fintech100 in 2018 includes:

  • 18 countries from 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).

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 / challenger banks, 4 “multi” companies (who play across sectors with multiple offerings) and 5 “other” companies (including regtech and data)

The companies on the 2018 List have raised over US$52B in venture capital (more than double last year’s figure) and almost US$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
  2. JD Finance 
  3. Grab
  4. Du Xiaoman Financial
  5. SoFi
  6. Oscar Health
  7. Nubank
  8. Robinhood
  9. Atom Bank
  10. Lufax Holding

Key Highlights

Aggregate capital raisings skyrocket

Major funding rounds skyrocket and increased diversification of notable investors

Chinese fintech giants expand their offerings

Spotlight on Neo and Challenger Banks

Internet giants =  fintech

Spotlight on emerging markets

On-demand Insurtech business models

Asia Pacific on the rise

ICOs on the rise

Diversity is a powerful driver of innovation

Top 50 Established Companies

Emerging 50 Rising Stars