101 Most Innovative Market Leading Fintech Startups

November 16, 2020

This article showcases Startup Pill’s top picks for the best Fintech startups. These startups are taking a variety of approaches to innovating inside of the Fintech Industry around the world. They are all exceptional startups well worth a follow.

We selected these startups for exceptional performance in one of these categories:

  • Innovation
    • Innovative ideas
    • Innovative route to market
    • Innovative product
  • Growth
    • Exceptional growth
    • Exceptional growth strategy
  • Management
  • Societal impact

Welp Magazine  hosts a yearly startup award honouring the most outstanding entrepreneurs and high-growth businesses in the world. If you want to enter your startup to be in the running for the top startup of 2021 or learn more about our competition click here.


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1. Crowdcube

The idea behind this startup: Crowdcube is an equity crowdfunding platform for entrepreneurs of start-ups and growing businesses.

Headquarters: Exeter, Devon, United Kingdom

Industries: Business Development, Finance, Financial Services, FinTech, Funding Platform, Venture Capital

Founders: Darren Westlake, Luke Lang, Oriol Cordón, Pepe Borrell

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2. Ripple

The idea behind this startup: Ripple provides one frictionless experience to send money globally using the power of blockchain.

Headquarters: San Francisco, California, United States

Industries: Blockchain, Cryptocurrency, Financial Services, FinTech, Internet, Payments

Founders: Arthur Britto, Chris Larsen, Ryan Fugger

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3. Arcus

The idea behind this startup: Arcus is a fintech-as-a-service platform, fueling smarter, faster, integrated, and more accessible financial services.

Headquarters: New York, New York, United States

Industries: Financial Services, FinTech, Mobile, Mobile Payments

Founders: Edrizio De La Cruz, Inigo Rumayor Belausteguigoitia, Juan Jose Maldonado

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4. Square

The idea behind this startup: Square is a merchant services aggregator and mobile payment company that aims to simplify commerce through technology.

Headquarters: San Francisco, California, United States

Industries: Finance, FinTech, Hardware, Mobile, Mobile Payments, Payments, Software

Founders: Jack Dorsey, Jim McKelvey

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5. Plaid

The idea behind this startup: Plaid provides companies the tools and access needed for the development of a digitally-enabled financial system.

Headquarters: San Francisco, California, United States

Industries: Financial Services, FinTech, Software

Founders: William Hockey, Zachary Perret

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6. Better.com

The idea behind this startup: Better.com is a comprehensive homeownership journey platform that utilizes technology to change the way people buy and own a home.

Headquarters: New York, New York, United States

Industries: Banking, Consumer Lending, Finance, Financial Services, FinTech, Lending, Marketplace, Real Estate

Founders: Eric Wilson, Erik Bernhardsson, Shawn Low, Viral Shah, Vishal Garg

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7. Gig Wage

The idea behind this startup: Gig Wage is a fintech payroll company for gig workers and contractors.

Headquarters: Dallas, Texas, United States

Industries: Banking, Compliance, Finance, FinTech, Freelance, Payments, SaaS, Small and Medium Businesses, Software

Founders: Craig Jamal Lewis

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8. OurCrowd

The idea behind this startup: OurCrowd breaks barriers to startup investing, providing global, VC-level dealflow, due diligence and terms to accredited investors.

Headquarters: Jerusalem, Yerushalayim, Israel

Industries: Angel Investment, Crowdfunding, FinTech, Funding Platform, Venture Capital

Founders: Jonathan Medved, Steven Blumgart

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9. Railsbank

The idea behind this startup: Railsbank is an open banking API and platform that gives regulated and un-regulated companies access to global banking.

Headquarters: London, England, United Kingdom

Industries: Banking, Developer APIs, Finance, Financial Services, FinTech, Payments, Software

Founders: Clive Mitchell, Nigel Verdon

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10. Adyen

The idea behind this startup: Adyen offers Adyen platform that integrates gateway, risk management, processing, acquiring, and settlement of payments.

Headquarters: Amsterdam, Noord-Holland, The Netherlands

Industries: E-Commerce, Financial Services, FinTech, Mobile Apps, Mobile Payments, Payments

Founders: Pieter van der Does

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11. Ant Group

The idea behind this startup: Ant Group strives to enable all consumers and small businesses to have equal access to financial and other services through technology.

Headquarters: Hangzhou, Zhejiang, China

Industries: Banking, E-Commerce, Financial Services, FinTech, Internet, Payments, Wealth Management

Founders: Lucy Peng

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12. BlackRock

The idea behind this startup: BlackRock is an investment company that offers its services to institutions, intermediaries, foundations, and individual investors.

Headquarters: New York, New York, United States

Industries: Asset Management, Banking, Consulting, Crowdfunding, Finance, Financial Services, FinTech, Internet, Risk Management

Founders: Sue Wagner

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13. Wealthsimple

The idea behind this startup: Wealthsimple offers financial tools to help investors grow and manage their money.

Headquarters: Toronto, Ontario, Canada

Industries: Finance, Financial Services, FinTech, Impact Investing, Personal Finance

Founders: Brett Huneycutt, Michael Katchen, Rudy Adler

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14. Bread

The idea behind this startup: Bread partners with retailers to offer pay-over-time solutions that make financing easier and more transparent.

Headquarters: New York, New York, United States

Industries: Consumer Lending, Financial Services, FinTech

Founders: Daniel Simon, Josh Abramowitz

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15. TransferWise

The idea behind this startup: TransferWise is a money transfer service allowing private individuals and businesses to send money abroad without hidden charges.

Headquarters: London, England, United Kingdom

Industries: Finance, Financial Services, FinTech, Payments, Peer to Peer

Founders: Kristo Kaarmann, Taavet Hinrikus

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16. Aura

The idea behind this startup: Aura is a financial service company that provides affordable, credit-building loans to working families.

Headquarters: San Francisco, California, United States

Industries: Banking, Financial Services, FinTech, Lending, Software

Founders: James Gutierrez, Kevin Kang, Randal Wong

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17. CircleUp

The idea behind this startup: CircleUp is the investment platform providing capital and resources to innovative, early-stage consumer brands .

Headquarters: San Francisco, California, United States

Industries: Finance, Financial Services, FinTech, Lending, Venture Capital

Founders: Rory Eakin, Ryan Caldbeck

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18. Indiegogo

The idea behind this startup: Indiegogo is a crowdfunding platform empowering people around the world to fund projects that matter to them.

Headquarters: San Francisco, California, United States

Industries: Crowdfunding, Finance, FinTech, Funding Platform, Hedge Funds

Founders: Danae Ringelmann, Eric Schell, Slava Rubin

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19. Zest AI

The idea behind this startup: Zest AI is a financial service company that makes software for credit underwriting.

Headquarters: Burbank, California, United States

Industries: Artificial Intelligence, Big Data, Financial Services, FinTech, Machine Learning, SaaS

Founders: Douglas Merrill, Shawn Budde

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20. Paystack

The idea behind this startup: Paystack lets businesses accept payments via credit card, debit card, money transfer and mobile money on their websites or mobile apps.

Headquarters: Ikeja, Lagos, Nigeria

Industries: Finance, Financial Services, FinTech, Internet, Payments

Founders: Ezra Olubi, Shola Akinlade

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21. Cadre

The idea behind this startup: Cadre is an online marketplace that connects investors and operators of real estate.

Headquarters: New York, New York, United States

Industries: Financial Services, FinTech, Marketplace, Real Estate

Founders: Jared Kushner, Joshua Kushner, Ryan Williams

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22. Monzo

The idea behind this startup: Monzo is a digital-only bank platform and marketplace that allows customers to access a range of products and services.

Headquarters: London, England, United Kingdom

Industries: Banking, Finance, Financial Services, FinTech, Marketplace

Founders: Gary Dolman, Jason Bates, Jonas Huckestein, Paul Rippon, Tom Blomfield

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23. Lending Club

The idea behind this startup: Lending Club is an online financial community that brings together creditworthy borrowers and savvy investors.

Headquarters: San Francisco, California, United States

Industries: Consumer Lending, Credit, Finance, Financial Services, FinTech, Lending, Peer to Peer, Personal Finance

Founders: John Donovan, Renaud Laplanche

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24. Fivestars

The idea behind this startup: Fivestars helps businesses and communities thrive by turning every transaction into a relationship.

Headquarters: San Francisco, California, United States

Industries: FinTech, Loyalty Programs, Marketing Automation, Payments

Founders: Matt Doka, Victor Ho

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25. Securitize

The idea behind this startup: Securitize enables digital securities, which are easier to own, simpler to manage, and faster to trade.

Headquarters: San Francisco, California, United States

Industries: Blockchain, Cryptocurrency, Finance, Financial Services, FinTech, Information Technology

Founders: Carlos Domingo, Jamie H. Finn, Shay Finkelstein, Tal Elyashiv

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26. Kraken

The idea behind this startup: Kraken is a cryptocurrency exchange that provides spot and futures trading between Bitcoin, Ethereum and 40+ other digital assets.

Headquarters: San Francisco, California, United States

Industries: Asset Management, Blockchain, Cryptocurrency, Ethereum, Financial Exchanges, Financial Services, FinTech, Personal Finance, Stock Exchanges, Trading Platform

Founders: Jesse Powell

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27. Starling Bank

The idea behind this startup: Starling Bank provides a mobile banking application and a debit card that enable users to manage their finances.

Headquarters: London, England, United Kingdom

Industries: Banking, Finance, Financial Services, FinTech, Mobile

Founders: Anne Boden

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28. PhonePe

The idea behind this startup: PhonePe is a mobile payments application that allows the user to transfer money instantly.

Headquarters: New Delhi, Delhi, India

Industries: FinTech, Internet, Mobile Payments, Payments

Founders: Burzin Engineer, Rahul Chari, Sameer Nigam

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29. YellowPepper

The idea behind this startup: YellowPepper provides mobile banking and payment solutions to financial institutions in the Latin American region.

Headquarters: Miami, Florida, United States

Industries: Financial Services, FinTech, Mobile, Mobile Payments

Founders: Rafael Russ, Serge Elkiner

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30. eToro

The idea behind this startup: eToro is a social trading and investment marketplace that allows users to trade currencies, commodities, indices, and stocks.

Headquarters: London, England, United Kingdom

Industries: Finance, Financial Services, FinTech, Marketplace, Trading Platform

Founders: David Ring, Ronen Assia, Yoni Assia

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31. PrimaryBid

The idea behind this startup: PrimaryBid is a technology platform that allows everyday investors fair & equal access to investing in public companies raising capital.

Headquarters: London, England, United Kingdom

Industries: Finance, Financial Services, FinTech

Founders: Anand Sambasivan, James Deal, Kieran D’Silva

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32. Squire

The idea behind this startup: Squire is a barbershop management and point of sale system software that connects people with barbers nationwide.

Headquarters: New York, New York, United States

Industries: FinTech, Mobile Apps, Online Portals, Point of Sale, Small and Medium Businesses

Founders: Dave Salvant, Songe LaRon, Yas Tabasam

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33. Lunar

The idea behind this startup: Lunar is a digital challenger bank that offers a mobile-based banking app that helps consumers manage their personal finances.

Headquarters: Copenhagen, Hovedstaden, Denmark

Industries: Banking, Consumer Lending, Credit Cards, Debit Cards, Finance, Financial Services, FinTech, Mobile Apps

Founders: Ken Villum Klausen

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34. GoCardless

The idea behind this startup: GoCardless is a payment company that makes collecting payments by direct debit easy for everyone.

Headquarters: London, England, United Kingdom

Industries: Financial Services, FinTech, Internet, Payments

Founders: Hiroki Takeuchi, Matt Robinson

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35. GGV Capital

The idea behind this startup: GGV Capital is a global venture capital firm that invests in local founders.

Headquarters: Menlo Park, California, United States

Industries: Business Development, Financial Services, FinTech, Venture Capital

Founders: Hany Nada, Jenny Lee, Joel Kellman, Scott Bonham, Thomas Ng

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36. Curve

The idea behind this startup: Curve is an Over The Top banking platform that consolidates all bank cards into a single smart card and app.

Headquarters: London, England, United Kingdom

Industries: Banking, Financial Services, FinTech, Payments

Founders: Shachar Bialick

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37. Klar

The idea behind this startup: Klar is a FinTech challenger bank that provides deposit and credit services for Mexican customers.

Headquarters: Mexico City, Distrito Federal, Mexico

Industries: Banking, Credit Cards, Debit Cards, Finance, Financial Services, FinTech, Mobile Apps, Software

Founders: Daniel Autrique, Gianluigi Davassi, Jeronimo Riefkohl, Stefan Moller

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38. Upstart

The idea behind this startup: Upstart leverages artificial intelligence and machine learning to price credit and automates the borrowing process.

Headquarters: San Carlos, California, United States

Industries: Artificial Intelligence, Credit, Finance, Financial Services, FinTech, Internet, Lending, Machine Learning, Personal Finance

Founders: Anna M. Counselman, Dave Girouard, Paul Gu

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39. Nubank

The idea behind this startup: Nubank issues, administrates, processes, and transfers payments related to post-paid credit cards and equity investment in other entities.

Headquarters: São Paulo, Sao Paulo, Brazil

Industries: Credit Cards, Finance, Financial Exchanges, Financial Services, FinTech, Payments, Software

Founders: Adam Edward Wible, Cristina Junqueira, David Velez

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40. Silver Lake

The idea behind this startup: Silver Lake is a global technology investment firm focused solely on making large-scale investments in leading technology companies.

Headquarters: Menlo Park, California, United States

Industries: Finance, Financial Services, FinTech, Information Technology, Venture Capital

Founders: David Roux, Glenn Hutchins, Jim Davidson, Roger McNamee

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41. Payoneer

The idea behind this startup: Payoneer empowers global commerce by connecting businesses, professionals, countries and currencies with its cross-border payment platform.

Headquarters: New York, New York, United States

Industries: B2B, E-Commerce, Finance, Financial Services, FinTech, Internet, Mobile, Payments

Founders: Yuval Tal

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42. Clearbanc

The idea behind this startup: Clearbanc provides growth capital for web-enabled businesses through its 20-minute term sheet.

Headquarters: Toronto, Ontario, Canada

Industries: E-Commerce, Finance, Financial Services, FinTech, Software

Founders: Andrew D’Souza, Ben Sanders, Charlie Feng, Michele Romanow, Pavel Melnichuk

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43. Expensify

The idea behind this startup: Expensify is a financial services startup that provides an integrated expense management and corporate card product for customers worldwide.

Headquarters: San Francisco, California, United States

Industries: Accounting, Apps, Credit Cards, Financial Services, FinTech, Freemium, Information Technology, Mobile, Small and Medium Businesses, Software

Founders: David Barrett, Witold Stankiewicz

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44. TrueLayer

The idea behind this startup: TrueLayer provides a platform to build financial apps that connect to bank data, verify accounts, and access transactions in real-time.

Headquarters: London, England, United Kingdom

Industries: Banking, Consulting, Developer APIs, Finance, Financial Services, FinTech, Personal Finance, SaaS, Software

Founders: Francesco Simoneschi, Luca Martinetti

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45. Betterment

The idea behind this startup: Betterment is a goal-based online investment company, delivering personalized financial advice paired with low fees and customer experience.

Headquarters: New York, New York, United States

Industries: Finance, Financial Services, FinTech, Impact Investing, Internet

Founders: Eli Broverman, Jon Stein

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46. Lili

The idea behind this startup: Lili is the all-in-one banking app designed for freelance workers.

Headquarters: New York, New York, United States

Industries: Apps, Banking, Financial Services, FinTech, Software

Founders: Lilac Bar David, Liran Zelkha

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47. Checkout.com

The idea behind this startup: Checkout.comis an API-based platform providing online payment solutions that improve the user’s checkout experience.

Headquarters: London, England, United Kingdom

Industries: E-Commerce, FinTech, Payments, Transaction Processing

Founders: Guillaume Pousaz

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48. Nuvei

The idea behind this startup: Nuvei is a financial service company that provides its clients with payment technology solutions.

Headquarters: Montréal, Quebec, Canada

Industries: E-Commerce, Finance, Financial Services, FinTech, Payments

Founders: Philip Fayer

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49. CoverHound

The idea behind this startup: CoverHound is a technology company offering a platform for consumers to shop for car insurance.

Headquarters: San Francisco, California, United States

Industries: Auto Insurance, Automotive, Finance, FinTech

Founders: Basil Enan, Joel Hayhurst, Rory Joyce

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50. Vivid Money

The idea behind this startup: Vivid Money is a financial platform and mobile banking app that helps customers save and invest their money.

Headquarters: Berlin, Berlin, Germany

Industries: Banking, Financial Services, FinTech, Mobile Apps, Payments

Founders: Alexander Emeshev, Artem Yamanov

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51.N26

The idea behind this startup: N26 offers mobile banking in 25 markets.

Headquarters: Berlin, Berlin, Germany

Industries: Banking, Finance, Financial Services, FinTech

Founders: Maximilian Tayenthal, Valentin Stalf

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51.N26

The idea behind this startup: N26 offers mobile banking in 25 markets.

Headquarters: Berlin, Berlin, Germany

Industries: Banking, Finance, Financial Services, FinTech

Founders: Maximilian Tayenthal, Valentin Stalf

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46. Tink

The idea behind this startup: Tink is a cloud-based platform that provides the infrastructure and data products that are enabling the future of financial services.

Headquarters: Stockholm, Stockholms Lan, Sweden

Industries: Banking, Developer APIs, Developer Platform, Financial Services, FinTech, PaaS, Software

Founders: Daniel Kjellén, Fredrik Hedberg

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47. Spendesk

The idea behind this startup: Spendesk is a smart spend management software designed for both finance teams and employees.

Headquarters: Paris, Ile-de-France, France

Industries: B2B, Credit Cards, Financial Services, FinTech, Payments, SaaS, Software

Founders: Jordane Giuly, Rodolphe Ardant, Thibaud Elziere

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46. BlockFi

The idea behind this startup: BlockFi is a secured non-bank lender that offers crypto-asset-backed USD loans to crypto-asset owners.

Headquarters: Jersey City, New Jersey, United States

Industries: Bitcoin, Commercial Lending, Consumer Lending, Cryptocurrency, Ethereum, Finance, Financial Services, FinTech, Lending

Founders: Flori Marquez, Zac Prince

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55. Petal

The idea behind this startup: Petal is a new kind of credit card company that is built to help people financially succeed.

Headquarters: New York, New York, United States

Industries: Credit Cards, Financial Services, FinTech, Machine Learning

Founders: Andrew Endicott, David Ehrich, Jack Arenas, Jason Gross

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56. Onfido

The idea behind this startup: Onfido develops AI-based identity verification technology that first assesses a user’s ID, and then compares their facial biometrics.

Headquarters: London, England, United Kingdom

Industries: Artificial Intelligence, FinTech, Identity Management, Information Technology, Security, Software

Founders: Eamon Jubbawy, Husayn Kassai, Ruhul Amin

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57. nCino

The idea behind this startup: Ncino is a cloud-based bank operating solution for the financial services industry.

Headquarters: Wilmington, North Carolina, United States

Industries: Banking, Document Management, Enterprise Software, Finance, Financial Services, FinTech

Founders: Chip Mahan, Neil Underwood, Pierre Naudé

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58. Unit21

The idea behind this startup: Unit21 is a platform that provides no-code tools and services for risk and compliance teams.

Headquarters: San Francisco, California, United States

Industries: Developer APIs, FinTech, Fraud Detection, Software

Founders: Clarence Chio, Trisha Kothari

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59Coupa Software

The idea behind this startup: Coupa is a cloud platform for business spend that offers a fully unified suite of financial applications for business spend management.

Headquarters: San Mateo, California, United States

Industries: Cloud Computing, Cloud Infrastructure, Enterprise Software, Finance, FinTech, Procurement, SaaS, Software

Founders: Dave Stephens, Noah Eisner

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60Curv

The idea behind this startup: Curv is a developer of digital asset security infrastructure helping crypto-native and financial institutions to create digital wallets.

Headquarters: New York, New York, United States

Industries: Blockchain, Cloud Computing, Cryptocurrency, Cyber Security, Financial Services, FinTech, Software

Founders: Dan Yadlin, Itay Malinger

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61. Jiko

The idea behind this startup: Jiko is a fintech company that automatically invests money in liquid US government-backed securities.

Headquarters: Berkeley, California, United States

Industries: Banking, Financial Services, FinTech, Trading Platform

Founders: Rocky Motwani, Stephane Lintner

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62. Cover Genius

The idea behind this startup: Cover Genius provides an insurance distribution platform designed to protect the customers of e-commerce companies.

Headquarters: Sydney, New South Wales, Australia

Industries: Cyber Security, E-Commerce, Financial Services, FinTech, Insurance, InsurTech, Payments

Founders: Angus McDonald, Chris Bayley

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63. BlueVine

The idea behind this startup: BlueVine is an online platform that provides small to medium-sized businesses access to financial products.

Headquarters: Redwood City, California, United States

Industries: Finance, Financial Services, FinTech, Small and Medium Businesses

Founders: Eyal Lifshitz, Moti Shatner, Nir Klar

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64. Funding Circle

The idea behind this startup: Funding Circle is a lending platform for small businesses.

Headquarters: London, England, United Kingdom

Industries: Finance, Financial Services, FinTech, Lending

Founders: Alex Tonelli, Andrew Mullinger, James Meekings, Sam Hodges, Samir Desai

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65. Thought Machine

The idea behind this startup: Thought Machine is a Fintech company that builds cloud-native technology to revolutionize core banking.

Headquarters: London, England, United Kingdom

Industries: Banking, Enterprise Software, Financial Services, FinTech

Founders: Paul Taylor

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66. Pindrop

The idea behind this startup: Pindrop uses AI-based IVR Authentication and Anti-Fraud Solutions to increase efficiency in call centers and stop fraudulent transactions.

Headquarters: Atlanta, Georgia, United States

Industries: Artificial Intelligence, Audio, Cloud Computing, FinTech, Fraud Detection, Mobile, Retail Technology, Risk Management, Security, Software

Founders: Dr. Mustaque Ahamad, Paul Judge, Vijay Balasubramaniyan

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67. Eurazeo

The idea behind this startup: Eurazeo is a private equity and venture capital firm investing in Europe, Asia, and America.

Headquarters: Paris, Ile-de-France, France

Industries: Finance, Financial Services, FinTech, Venture Capital

Founders: Unknown

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68. Credit Karma

The idea behind this startup: Credit Karma is a personal finance company that’s focused on helping everyone make financial progress.

Headquarters: San Francisco, California, United States

Industries: Credit, Finance, Financial Services, FinTech, Personal Finance

Founders: Kenneth Lin, Nichole Mustard, Ryan Graciano

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69. Deel

The idea behind this startup: Deel is a payroll and compliance platform for international employees and contractors.

Headquarters: San Francisco, California, United States

Industries: Financial Services, FinTech, Human Resources, Payments, Recruiting, SaaS, Software

Founders: Alex Bouaziz, Ofer Simon, Shuo Wang

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70. TradingView

The idea behind this startup: The social network powering independent traders and investors

Headquarters: London, England, United Kingdom

Industries: Android, Cloud Computing, Education, Finance, FinTech, Internet, iOS, Social Media, Stock Exchanges

Founders: Constantine Ivanov, Denis Globa, Stan Bokov

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71. Brex

The idea behind this startup: Brex is the financial OS for growing companies, with credit cards, cash management, and controls in a single account.

Headquarters: San Francisco, California, United States

Industries: Accounting, Banking, Credit Cards, Finance, Financial Services, FinTech, Life Science

Founders: Henrique Dubugras, Pedro Franceschi

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72. Circle

The idea behind this startup: Circle is a global internet finance company, built on blockchain technology and powered by crypto assets.

Headquarters: Boston, Massachusetts, United States

Industries: Banking, Blockchain, Cryptocurrency, Finance, Financial Services, FinTech, Payments, Personal Finance

Founders: Jeremy Allaire, Sean Neville

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73. Celsius Network

The idea behind this startup: Celsius Network is a blockchain-based lending platform that is accessible through a free mobile app.

Headquarters: London, England, United Kingdom

Industries: Blockchain, Consumer Lending, Cryptocurrency, Financial Services, FinTech

Founders: Alex Mashinsky, Nuke Goldstein, S. Daniel Leon

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74. Wave

The idea behind this startup: Wave offers tailored financial services (payments, payroll) and award-winning free software for small/micro-businesses around the world.

Headquarters: Toronto, Ontario, Canada

Industries: Accounting, Apps, Cloud Computing, Financial Services, FinTech, Human Resources, Mobile, Payments, Small and Medium Businesses

Founders: James Lochrie, Kirk Simpson

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75. LinkAja

The idea behind this startup: LinkAja is an electronic-based service that makes your financial transactions more exciting.

Headquarters: Jakarta, Jakarta Raya, Indonesia

Industries: Financial Services, FinTech

Founders: Unknown

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76. Acorns

The idea behind this startup: Acorns is a finance company that allows individuals to round up purchases and automatically invest the change.

Headquarters: Irvine, California, United States

Industries: Apps, Finance, Financial Services, FinTech, Mobile, Wealth Management

Founders: Jason Martell, Jeff Cruttenden, Mark Dru, Walter Cruttenden

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77. Workday

The idea behind this startup: Workday provides SaaS-based enterprise solutions for a company’s human resources and financial management activities.

Headquarters: Pleasanton, California, United States

Industries: Enterprise Software, Finance, FinTech, Human Resources, SaaS, Software, Web Development

Founders: Aneel Bhusri, Dave Duffield

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78. Fundera

The idea behind this startup: Fundera is a marketplace for small business financial solutions.

Headquarters: New York, New York, United States

Industries: Financial Services, FinTech, Internet, Lending, Marketplace, Small and Medium Businesses

Founders: Andres Moran, Jared Hecht, Rohan Deshpande

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79. Ideanomics

The idea behind this startup: Ideanomics is a global company focused on the convergence of financial services and industries experiencing technological disruption.

Headquarters: New York, New York, United States

Industries: AgTech, Artificial Intelligence, Blockchain, Digital Marketing, Electric Vehicle, FinTech, Information Technology, Marketing Automation, Payments, Real Estate

Founders: Bruno Wu, Shane McMahon

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80. Crypto.com

The idea behind this startup: Crypto.com is a pioneering payments and cryptocurrency platform.

Headquarters: Sai Wan, Hong Kong Island, Hong Kong

Industries: Bitcoin, Blockchain, Cryptocurrency, Ethereum, Financial Services, FinTech, Information Technology, Mobile Payments

Founders: Bobby Bao, Gary Or, Kris Marszalek, Rafael Melo

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81. Truebill

The idea behind this startup: Truebill utilizes AI to enable users to manage their personal finances and improve their financial health.

Headquarters: San Francisco, California, United States

Industries: Billing, Finance, Financial Services, FinTech, Personal Finance

Founders: Haroon Mokhtarzada, Idris Mokhtarzada, Yahya Mokhtarzada

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82. Griffin

The idea behind this startup: Griffin is a Banking-as-a-Service provider that helps companies build and launch financial services products.

Headquarters: London, England, United Kingdom

Industries: Banking, Financial Services, FinTech

Founders: Allen Rohner, David Jarvis

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83. Nium

The idea behind this startup: Nium is a fintech startup that provides digital international money transfer services to individuals and businesses.

Headquarters: Singapore, Central Region, Singapore

Industries: Finance, Financial Services, FinTech

Founders: Michael Bermingham, Prajit Nanu

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84. Airwallex

The idea behind this startup: Airwallex is a financial services platform committed to building global financial infrastructure to scale the digital economy.

Headquarters: Quarry Bay, Hong Kong Island, Hong Kong

Industries: Finance, Financial Services, FinTech, Payments

Founders: Jack Zhang, Jacob Dai, Ki-Lok Wong, Lucy Yueting Liu, Max Li

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85. SixThirty

The idea behind this startup: SixThirty is a global venture capital firm focused on investing in late seed stage FinTech, InsurTech, and Cyber Security companies.

Headquarters: St Louis, Missouri, United States

Industries: Cyber Security, Finance, Financial Services, FinTech, InsurTech, Venture Capital

Founders: Atul Kamra, Brian Matthews, Jim McKelvey

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86. Alpaca

The idea behind this startup: Alpaca builds a developer-first API for stock trading (Securities by Alpaca Securities LLC)

Headquarters: San Mateo, California, United States

Industries: Developer APIs, Financial Services, FinTech, Trading Platform

Founders: Hitoshi Harada, Yoshi Yokokawa, Yuki Hayashi

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87. Marqeta

The idea behind this startup: Marqeta is a modern card issuing platform that provides infrastructure and tools to help companies build and manage payment programs.

Headquarters: Oakland, California, United States

Industries: FinTech, Payments, Transaction Processing

Founders: Jason Gardner

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88. MineralTree

The idea behind this startup: MineralTree provides mobile and online accounts payable automation software for finance professionals at growing organizations.

Headquarters: Cambridge, Massachusetts, United States

Industries: Accounting, Banking, Finance, Financial Services, FinTech, Payments, SaaS, Software

Founders: BC Krishna

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89. Avaloq

The idea behind this startup: Avaloq group is an international fintech company that digitizes the automation of financial services industry.

Headquarters: Zürich, Zurich, Switzerland

Industries: Banking, Financial Services, FinTech, Software

Founders: Francisco Fernandes, Francisco Fernandez

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90. Xero

The idea behind this startup: Xero is a suite of online accounting software for small businesses, accountants, and bookkeepers.

Headquarters: Wellington, Wellington, New Zealand

Industries: Accounting, Banking, Billing, Collaboration, Finance, FinTech, Personal Finance, SaaS, Software

Founders: Craig Walker, Gary Turner, Hamish Edwards, Rod Drury

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91. Kuda Bank

The idea behind this startup: A no fee full service digital only bank with its own stand alone banking license, making banking affordable for all Africans on the planet

Headquarters: Lagos, Lagos, Nigeria

Industries: Banking, Financial Services, FinTech

Founders: Babs Ogundeyi, Musty Mustapha

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92. dLocal

The idea behind this startup: DLocal is a cross-border payment processor that connects global merchants to emerging markets.

Headquarters: Montevideo, NA – Uruguay, Uruguay

Industries: E-Commerce, Emerging Markets, Financial Services, FinTech, Mobile Payments, Payments

Founders: Sebastian Kanovich, Sergio Fogel

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93. SumUp

The idea behind this startup: SumUp is a financial technology company that enables businesses to accept card payments at the Point-of-Sale or on the go.

Headquarters: London, England, United Kingdom

Industries: Credit Cards, Financial Services, FinTech, Information Technology, Mobile Payments, Point of Sale

Founders: Daniel Klein, Jan Deepen, Marc-Alexander Christ, Petter Made, Stefan Jeschonnek

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94. Octane

The idea behind this startup: On Octane.co, powersports shoppers can research vehicles, prequalify for a loan, and instantly check rates with no impact on their credit.

Headquarters: New York, New York, United States

Industries: Enterprise Software, Financial Services, FinTech, Insurance, Lending, Point of Sale

Founders: Andre Gregori, Jason Guss, Mark Davidson, Mark Garro, Michael Fanfant

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95. Aave

The idea behind this startup: Aave is an open source non-custodial protocol on Ethereum for decentralized lending and borrowing.

Headquarters: London, England, United Kingdom

Industries: Blockchain, Ethereum, Financial Services, FinTech, Lending, Open Source, Peer to Peer

Founders: Stani Kulechov

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96. Flare

The idea behind this startup: Flare is a financial service company that offers paperless onboarding, employee benefits, and employee management.

Headquarters: Sydney, New South Wales, Australia

Industries: Employee Benefits, Employment, Financial Services, FinTech, Human Resources, Information Technology, Software

Founders: Colin Mierowsky, Daniel Cohen, James Windon, Jan Pacas, Saul Kaplan

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97. DriveWealth

The idea behind this startup: DriveWealth is a digital trading technology company that develops cloud-based, API-driven brokerage infrastructure.

Headquarters: Chatham, New Jersey, United States

Industries: Finance, Financial Services, FinTech, Software

Founders: Julie Coin, Robert Cortright

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98. Zopa

The idea behind this startup: Zopa offers peer-to-peer loans with low rates, flexible terms, and no early repayment fees.

Headquarters: London, England, United Kingdom

Industries: Finance, Financial Services, FinTech, Lending, Peer to Peer

Founders: Dave Nicholson, Giles Andrews, James Alexander, Richard Duvall, Tim Parlett

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99. OakNorth

The idea behind this startup: The next-generation credit and monitoring platform that’s redefining business borrowing to the “Missing Middle”

Headquarters: London, England, United Kingdom

Industries: Artificial Intelligence, Banking, Finance, Financial Services, FinTech, Lending

Founders: Joel Perlman, Rishi Khosla

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100. Global Processing Services

The idea behind this startup: Global Processing Services offers a platform that processes payments and manages credit, debit, and prepaid card transactions.

Headquarters: Douglas, NA – Isle of Man, Isle of Man

Industries: Credit Cards, Debit Cards, Financial Services, FinTech, Information Technology, Payments, Transaction Processing

Founders: Craig Dewar, Tony Kerr

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101. Papaya Global

The idea behind this startup: Papaya Global provides a cloud-based HR and payroll platform for global workforce management.

Headquarters: New York, New York, United States

Industries: Analytics, Business Intelligence, Cloud Data Services, FinTech, Human Resources, Internet, Management Information Systems, Recruiting, SaaS

Founders: Eynat Guez, Ofer Herman, Ruben Drong

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