2017-全球最具价值金融科技250强企业_65页-3mb

THE FINTECH 250 2017 总结

核心内容

The Fintech 250 is a list of 250 top private companies that are transforming the financial services industry globally. This list is created by CB Insights through a data-driven and algorithmic process, incorporating a wide range of signals such as market trends, financial performance, investor quality, and user engagement. It covers various sectors within fintech, including blockchain, lending, wealth management, insurance, and payment systems, and includes companies from different markets around the world.

主要观点

• 数据驱动选择：The Fintech 250 is selected based on a comprehensive algorithm that uses machine learning and a large volume of data, including news mentions, social media activity, web traffic, and financial indicators.
• 广泛覆盖领域：The list includes companies across multiple fintech sectors, such as:
  • Lending and Credit: Including platforms for personal loans, credit card management, and working capital solutions.
  • Wealth Management: Offering micro-investing, goal-based investing, and financial advisory services.
  • Payment Systems: Enabling cross-border transactions, digital wallets, and online payment processing.
  • Blockchain and Digital Currencies: Providing blockchain infrastructure, digital currency exchanges, and related financial tools.
  • Insurance and Financial Services: Delivering mobile-based insurance solutions and credit monitoring platforms.
  • Regulatory and Compliance Tech: Offering tools to manage financial regulations, sanctions, and anti-money laundering (AML) risks.
• 目标市场多样：Companies in the list operate in various geographic regions, including North America, Asia-Pacific, Europe, and emerging markets.

关键信息

1. 51 Xinyongka

• A mobile app for credit card management, wealth management, and online loans.
• Focuses on providing users with financial tools to manage their personal credit-based services.

2. Acorns

• Enables micro-investing by rounding up purchases and investing spare change.
• Partners with BlackRock, Vanguard, and PIMCO for investment options.
• Aims to make investing accessible and automatic for everyday users.

3. 55 Capital

• Offers investment solutions and research using an open architecture platform.
• Focuses on ETF-based portfolios and serves a broad range of investors.

4. Activehours

• Provides instant pay for workers, eliminating the need for traditional payroll systems.
• Allows users to get paid for their time without interest charges.

5. AvidXchange

• Automates invoice processing for businesses.
• Offers a suite of billing solutions including paper, fax, email, and online billing.

6. Avalara

• Helps businesses manage transactional taxes, including sales, VAT, and excise taxes.
• Provides cloud-based solutions with over 550 pre-built connectors for integration.

7. Betterment

• A goal-based investment platform with personalized financial advice.
• Designed to simplify the investment process and reduce the time spent on traditional accounts.

8. BitFlyer

• A Japanese bitcoin exchange aiming to regain market share from Mt. Gox.
• Focuses on consumer and merchant adoption of digital currency.

9. BIMA

• Provides mobile insurance in emerging markets.
• Offers life, health, and accident insurance through partnerships with mobile operators and insurers.

10. Blade

• A platform for SMEs to access working capital and manage cash flow.
• Offers invoice factoring and Flex Credit solutions.

11. Bright Health

• A healthcare insurance startup using data analytics to improve care for elderly and low-income patients.

12. Captable.io

• Simplifies the management of capitalization tables for companies.
• Offers real-time tracking and verification of stock transactions.

13. Circle Internet Financial

• A digital currency company based in Boston and Dublin.
• Provides services for Bitcoin and digital currency adoption by consumers and merchants.

14. ComplyAdvantage

• Offers regulatory compliance solutions for financial institutions.
• Uses AI, ML, and big data to manage risks related to sanctions, AML, and CFT.

15. Credit Benchmark

• An independent platform for credit risk assessment.
• Aggregates data from major banks to provide PD and LGD estimates for risk management.

16. Credit Karma

• A personal finance company offering free tools for credit monitoring and financial advice.
• Helps users improve their financial health and manage credit scores.

17. Credits

• A digital lending platform in Brazil focused on secured loans.
• Uses technology and data to reduce borrowing costs and improve lending efficiency.

18. Cross River Bank

• A community bank offering loan services and global payment solutions.
• Partners with marketplace lenders and provides MasterCard Send services.

19. CurrencyCloud

• A cloud-based international payment solution.
• Offers flexible APIs for cross-border transactions and compliance.

20. Crowdcube

• An equity crowdfunding platform for startups and business expansion.
• Enables entrepreneurs to raise venture capital from a broader investor base.

21. Other Notable Companies

• BitPesa: Enables digital currency payments and exchanges.
• Blend: Transforms the home mortgage industry with technology.
• Blockstack Labs: Builds a decentralized internet with open-source tools.
• Blockstream: Focuses on blockchain innovation and smart contracts.
• BlueVine: Provides working capital to SMEs through invoice factoring.
• Cloud9 Technologies: Offers cloud communication services for institutional customers.
• ClearTax: Simplifies tax filing for small businesses.
• Clover Health: Uses data analytics to improve health outcomes and reduce costs.
• Bonify: Helps users monitor and manage their credit scores and financial health.
• Brave Software: Develops a privacy-focused browser with Bitcoin micropayments.
• Branch International: Offers mobile-based credit solutions in emerging markets.
• C2FO: A platform for working capital optimization and risk-free profit.
• Canopy Tax: Simplifies tax compliance with a user-friendly SaaS platform.
• Cadre: A real estate investment platform with transparency and flexibility.

总结

The Fintech 250 2017 highlights the global shift towards digital financial services. It showcases a diverse range of companies that are leveraging technology to improve financial accessibility, efficiency, and transparency. From blockchain solutions and micro-investing platforms to credit monitoring and compliance tools, the list reflects the innovation and growth potential within the fintech industry. These companies are redefining traditional financial services and addressing the needs of both individuals and businesses in a rapidly evolving digital landscape.