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Innovation in fintech has driven new business models, which stirred a large number of startups to appear and develop globally. As the market acceptance is increasing and the technology is getting mature, the competition in the industry is increasingly fierce. EO Intelligence has compiled a global list of young fintech companies that have a strong chance of growing into leading unicorns enterprises, by leveraging high technology across various submarkets. We used 12 independent selection criteria (including funding information, market valuation, several technological and macroeconomic indicators).

Number of Laureates: 50
Company Country Category Founded year Founders Description
ABC Technology
China
Digital finance
2016
Yang Yongzhi
ABC Technology is an AI cloud service provider, focusing on providing intelligent industrial solutions for enterprises. At this stage, products mainly serve the financial industry.
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ABC Technology is an AI cloud service provider, focusing on providing intelligent industrial solutions for enterprises. At this stage, products mainly serve the financial industry.
Acko General Insurance
India
Insurance
2017
Varun Dua
Acko General Insurance is a new-age online insurance policy provider with its entire operations offered through the digital platform.
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Acko General Insurance is a new-age online insurance policy provider with its entire operations offered through the digital platform.
Acorns
United States
Wealth management
2012
Noah Kerner
Acorns is a finance company that allows individuals to round up purchases and automatically invest the change.
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Acorns is a finance company that allows individuals to round up purchases and automatically invest the change.
Advance.ai
Singapore
Risk control
2016
Jefferson Chen
ADVANCE.AI is a data-driven financial technology company with multiple offices in the APAC region. In our quest to build a better financial world, one of our key goals is to revolutionize the credit system by creating a more holistic, accurate, and democratic alternative to existing credit scoring methods.
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ADVANCE.AI is a data-driven financial technology company with multiple offices in the APAC region. In our quest to build a better financial world, one of our key goals is to revolutionize the credit system by creating a more holistic, accurate, and democratic alternative to existing credit scoring methods.
Airwallex
China
Payments
2015
Jack Zhang
Airwallex is building global financial infrastructure to help internet companies grow in every corner of the world. Airwallex is able to offer end-to-end solutions for businesses to move money programmatically at a global scale. With Airwallex, customers can create international bank accounts instantly, access interbank exchange rates and send money through local and international clearing networks to more than 130 countries.
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Airwallex is building global financial infrastructure to help internet companies grow in every corner of the world. Airwallex is able to offer end-to-end solutions for businesses to move money programmatically at a global scale. With Airwallex, customers can create international bank accounts instantly, access interbank exchange rates and send money through local and international clearing networks to more than 130 countries.
Athena Home Loans
Australia
Loans
2017
Michael Starkey
They are a team of ex-bankers who are passionate about changing the home loan industry for the better. They saw there was a better way to not only help customers get a home loan but also help them pay it off as soon as possible.
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They are a team of ex-bankers who are passionate about changing the home loan industry for the better. They saw there was a better way to not only help customers get a home loan but also help them pay it off as soon as possible.
Blend
United States
Loans
2012
Erin Collard
Blend is a Silicon Valley technology company transforming the consumer lending ecosystem. Blend's technology delivers speed and efficiency to lenders, so they can serve the modern borrower and safely navigate the industry's changing rules and regulations. Founded in 2012, Blend is backed by Greylock Partners, Emergence Capital, 8VC, Founders Fund, Andreessen Horowitz, Lightspeed Venture Partners, Nyca, Max Levchin, and other leading venture investors.
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Blend is a Silicon Valley technology company transforming the consumer lending ecosystem. Blend's technology delivers speed and efficiency to lenders, so they can serve the modern borrower and safely navigate the industry's changing rules and regulations. Founded in 2012, Blend is backed by Greylock Partners, Emergence Capital, 8VC, Founders Fund, Andreessen Horowitz, Lightspeed Venture Partners, Nyca, Max Levchin, and other leading venture investors.
BLUE Mobile
Thailand
Payments
2015
Chen Rui
Bluepay is positioned to open up new retail + new financial platforms in Southeast Asia.
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Bluepay is positioned to open up new retail + new financial platforms in Southeast Asia.
Clip
Mexico
Payments
2012
Adolfo Babatz
Clip is changing card acceptance in Mexico, offering different models of portable card-reading hardware to accept all credit and debit cards as well as other solutions. More than a device to accept all cards, Clip is an ally focused on empowering Mexican businesses.
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Clip is changing card acceptance in Mexico, offering different models of portable card-reading hardware to accept all credit and debit cards as well as other solutions. More than a device to accept all cards, Clip is an ally focused on empowering Mexican businesses.
CraiditX
China
Risk control
2015
Mingjie Zhu
CraiditX is the advanced, independent provider of integrated financial risk management products.
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CraiditX is the advanced, independent provider of integrated financial risk management products.
Cred
India
Payments
2018
Kunal Shah
The company is committed to protect the data and information of its members. CRED works on the guiding principle of opt-In consent and full transparency. The company's secure processes and technology implementations combined with regulatory compliance is how it access, store, and use member data.
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The company is committed to protect the data and information of its members. CRED works on the guiding principle of opt-In consent and full transparency. The company's secure processes and technology implementations combined with regulatory compliance is how it access, store, and use member data.
Credijusto
Mexico
Loans
2015
Allan Apoj
Its platform offers credit models that are focused on the health of each business, focusing on overall performance, rather than considering only the owner's personal credit history, enabling small businesses to obtain accessible credits in a fraction of the time and effort and grow their business. The company's credit models are focused on the health of each business, focusing on overall performance, rather than considering only the owner's personal credit history.
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Its platform offers credit models that are focused on the health of each business, focusing on overall performance, rather than considering only the owner's personal credit history, enabling small businesses to obtain accessible credits in a fraction of the time and effort and grow their business. The company's credit models are focused on the health of each business, focusing on overall performance, rather than considering only the owner's personal credit history.
Curve
United Kingdom
Payments
2015
Shachar Bialick
Curve is an over-the-top banking platform, consolidating all your cards and accounts into one smart card and even smarter app. It allows customers to supercharge their legacy banks to the 21st century without leaving their bank or topping-up. Curve offers a host of benefits to its customers; it makes all your cards fee-free when spending abroad, you get instant notifications and categorisation of spend, you can earn instant 1% cashback at the likes of Amazon, Uber, Netflix and Sainsbury’s and Time Travel enables customers to swap spend to a different card in the app for up to two weeks after the purchase was made. Curve also offers Curve Customer Protection, a policy that covers all credit and debit card payments made via the Curve card up to £100,000, giving cardholders an extra layer of protection for disputes with merchants and any unauthorised use of their Curve card. Whether you have a Curve Metal card, Curve Black card or Curve Blue card, Curve Customer Protection offers you a better level of protection in many ways - filling in the gaps that Section 75 leaves.
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Curve is an over-the-top banking platform, consolidating all your cards and accounts into one smart card and even smarter app. It allows customers to supercharge their legacy banks to the 21st century without leaving their bank or topping-up. Curve offers a host of benefits to its customers; it makes all your cards fee-free when spending abroad, you get instant notifications and categorisation of spend, you can earn instant 1% cashback at the likes of Amazon, Uber, Netflix and Sainsbury’s and Time Travel enables customers to swap spend to a different card in the app for up to two weeks after the purchase was made. Curve also offers Curve Customer Protection, a policy that covers all credit and debit card payments made via the Curve card up to £100,000, giving cardholders an extra layer of protection for disputes with merchants and any unauthorised use of their Curve card. Whether you have a Curve Metal card, Curve Black card or Curve Blue card, Curve Customer Protection offers you a better level of protection in many ways - filling in the gaps that Section 75 leaves.
DataVisor
United States
Risk control
2013
Yinglian Xie
DataVisor is the fraud and financial crime detection service utilizing unsupervised machine learning to identify attack campaigns before they conduct any damage. DataVisor protects some of the largest organizations in the world from attacks such as account takeovers, fake account creation, money laundering, fake social posts, fraudulent transactions and more.
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DataVisor is the fraud and financial crime detection service utilizing unsupervised machine learning to identify attack campaigns before they conduct any damage. DataVisor protects some of the largest organizations in the world from attacks such as account takeovers, fake account creation, money laundering, fake social posts, fraudulent transactions and more.
Doubao Technology
China
Insurance
2015
Zhang Qike
Doubao is an intelligent technology service provider for the insurance industry.
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Doubao is an intelligent technology service provider for the insurance industry.
Duobaoyu Insurance
China
Insurance
2017
Zhang Yaopeng
Doubango Telecom is a telecommunications company that focuses on NGN technology solutions, audio and video coding, and cloud computing.
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Doubango Telecom is a telecommunications company that focuses on NGN technology solutions, audio and video coding, and cloud computing.
Elinvar
Germany
Wealth management
2016
Chris Bartz
Elinvar enables asset & wealth managers to digitalize their business models by providing the required Platform as a Service.
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Elinvar enables asset & wealth managers to digitalize their business models by providing the required Platform as a Service.
Embroker
United States
Insurance
2015
Matt Miller
Embroker is a digital insurance brokerage company.
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Embroker is a digital insurance brokerage company.
Ethos Life
United States
Insurance
2016
Peter Colis
Ethos Life is an insurance that provides modern and ethical life insurance to protect life.
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Ethos Life is an insurance that provides modern and ethical life insurance to protect life.
Fundbox
United States
Loans
2013
Eyal Shinar
Fundbox is a B2B payment and credit network that transforms how funding flows.
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Fundbox is a B2B payment and credit network that transforms how funding flows.
Greenlight Financial Technology
United States
Wealth management
2014
Johnson Cook
Greenlight is the smart debit card for kids that parents manage from their phones.
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Greenlight is the smart debit card for kids that parents manage from their phones.
Groww
India
Wealth management
2017
Harsh Jain
Groww offers a new way of investing money. It provides insights about mutual funds, SIP, and everything from the personal finance world, which helps new investors make investing simple.
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Groww offers a new way of investing money. It provides insights about mutual funds, SIP, and everything from the personal finance world, which helps new investors make investing simple.
IceKredit
China
Risk control
2015
Lingyun Gu
IceKredit is an AI company dedicated to apply AI related technologies to make all-rounded credit evaluation of individuals and SMEs.
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IceKredit is an AI company dedicated to apply AI related technologies to make all-rounded credit evaluation of individuals and SMEs.
Insgeek
China
Insurance
2014
Ren Bin
Insgeek is a leading enterprise employee insurance platform in China.
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Insgeek is a leading enterprise employee insurance platform in China.
Jiangrongxin Technology
China
Risk control
2014
Hua Jianhe
Jiangrongxin Technology is a Developer of financial and marketing software for consumer financial services enterprises.
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Jiangrongxin Technology is a Developer of financial and marketing software for consumer financial services enterprises.
Nanyan Insurtech
China
Insurance
2015
Gong Xun
Nanyan Insurtech is a Shanghai-based online insurance service company.
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Nanyan Insurtech is a Shanghai-based online insurance service company.
Nav
United States
Risk control
2012
Levi King
Nav bridges the gap between SMB and financial institutions by bringing transparency, certainty, and efficiency to B2B credit and financing.
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Nav bridges the gap between SMB and financial institutions by bringing transparency, certainty, and efficiency to B2B credit and financing.
NewBanker
China
Wealth management
2016
Li Qinghao
The core founding team of Beijing Niubitou Science and Technology Consulting is composed of senior managers of well-known Chinese wealth management companies and provides information, research, technology, capital and resources for wealth management companies and financial advisers Comprehensive support services.
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The core founding team of Beijing Niubitou Science and Technology Consulting is composed of senior managers of well-known Chinese wealth management companies and provides information, research, technology, capital and resources for wealth management companies and financial advisers Comprehensive support services.
NiYO Solutions
India
Banking
2015
Virender Bisht
NiYO is a fintech company that helps salaried employees access company benefits and other financial services.
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NiYO is a fintech company that helps salaried employees access company benefits and other financial services.
OKCredit
India
Payments
2017
Harsh Pokharna
OKCredit simplifies credit account management for shop owners and their customers.
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OKCredit simplifies credit account management for shop owners and their customers.
OPay
Nigeria
Payments
2018
Allen Qu
OPay designs a mobile payment service and consumer platform for users to send and receive money, pay bills, and order food and groceries.
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OPay designs a mobile payment service and consumer platform for users to send and receive money, pay bills, and order food and groceries.
Paytm
India
Payments
2010
Vijay Shekhar Sharma
Paytm is a payment gateway that provides payment services to merchants and allow consumers to make seamless mobile payments from cards, bank accounts, and digital credit among others.
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Paytm is a payment gateway that provides payment services to merchants and allow consumers to make seamless mobile payments from cards, bank accounts, and digital credit among others.
Petal
United States
Loans
2016
Jason Gross
Petal  is a new kind of credit card company on a mission to make credit honest, simple, and accessible.
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Petal  is a new kind of credit card company on a mission to make credit honest, simple, and accessible.
Plaid
United States
Digital finance
2012
Zachary Perret
Plaid provides companies the tools and access needed for the development of a digitally-enabled financial system.
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Plaid provides companies the tools and access needed for the development of a digitally-enabled financial system.
Pleo
Denmark
Payments
2015
Jeppe Rindom
Pleo offers smart payment cards for employees for them to buy things they need for work, while keeping the companies in control of spending.
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Pleo offers smart payment cards for employees for them to buy things they need for work, while keeping the companies in control of spending.
Raisin
Germany
Wealth management
2012
Tamaz Georgadze
Raisin is a savings and investment marketplace that connects retail customers with banks looking to expand deposit reach.
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Raisin is a savings and investment marketplace that connects retail customers with banks looking to expand deposit reach.
Razorpay
India
Payments
2014
Harshil Mathur
Razorpay is a platform that enables businesses to accept, process and disburse payments with its product suite.
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Razorpay is a platform that enables businesses to accept, process and disburse payments with its product suite.
Spendesk
France
Payments
2015
Rodolphe Ardant
Spendesk is smart spend management software designed for both finance teams and employees.
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Spendesk is smart spend management software designed for both finance teams and employees.
Starling Bank
United Kingdom
Banking
2014
Anne Boden
Starling Bank provides a mobile banking application and a debit card that enable users to manage their finances. Its application allows users to send money to their friends, save together for trips, and have total control at their fingertips.
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Starling Bank provides a mobile banking application and a debit card that enable users to manage their finances. Its application allows users to send money to their friends, save together for trips, and have total control at their fingertips.
Tala
United States
Risk control
2011
Shivani Siroya
Tala is a mobile technology and data science company that is oriented around financial services in emerging markets.
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Tala is a mobile technology and data science company that is oriented around financial services in emerging markets.
Tide
United Kingdom
Banking
2015
George Bevis
Tide is a fintech and banking company that gives time back to business owners, so they can get back to doing what they love. It enables businesses to set up a current account and get instant access to various financial services including integrated invoicing and automated bookkeeping. The company offers business banking services to small businesses, freelancers, sole traders and established limited companies.
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Tide is a fintech and banking company that gives time back to business owners, so they can get back to doing what they love. It enables businesses to set up a current account and get instant access to various financial services including integrated invoicing and automated bookkeeping. The company offers business banking services to small businesses, freelancers, sole traders and established limited companies.
Tigerobo
China
Digital finance
2017
Chen Ye
Tigerobo was founded in July 2017 and is an artificial intelligence technology driven technology company that uses deep learning, natural language processing and other technologies to build a new generation of artificial intelligence financial .
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Tigerobo was founded in July 2017 and is an artificial intelligence technology driven technology company that uses deep learning, natural language processing and other technologies to build a new generation of artificial intelligence financial .
True Balance
India
Digital finance
2014
Cheolwon Lee
True Balance is a digital wallet owned and operated by Balancehero India Private Limited (BHI), that enables users to access utility bill payment, loan recharge, insurance, and other financial products. With 70 million users, True Balance aims to serve India with utility payments financial platform for the unbanked users to serve their money for living requirements.
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True Balance is a digital wallet owned and operated by Balancehero India Private Limited (BHI), that enables users to access utility bill payment, loan recharge, insurance, and other financial products. With 70 million users, True Balance aims to serve India with utility payments financial platform for the unbanked users to serve their money for living requirements.
TrueLayer
United Kingdom
Digital finance
2016
Francesco Simoneschi
TrueLayer provides an application to build financial applications. It offers a toolkit to build financial apps that connect to bank data, verify accounts, and access transactions in real time.
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TrueLayer provides an application to build financial applications. It offers a toolkit to build financial apps that connect to bank data, verify accounts, and access transactions in real time.
Wealthsimple
Canada
Wealth management
2014
Michael Katchen
Wealthsimple is a new kind of financial advisor — one that's intuitive, affordable, and human. We take the guesswork out of investing and get you on the right track. We build a diversified portfolio of ETFs on your behalf and guide you in achieving your financial goals.
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Wealthsimple is a new kind of financial advisor — one that's intuitive, affordable, and human. We take the guesswork out of investing and get you on the right track. We build a diversified portfolio of ETFs on your behalf and guide you in achieving your financial goals.
Webull Financial
China
Digital finance
2016
Anquan Wang
Webull Financial is a fintech company that focuses on providing financial services for personal investors all over the world with financial trading information and assistance. It also provides real-time market data, analysis tools, and trading commissions. It continuously improves its platform and brings exciting and useful tools to help users make smarter financial decisions.
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Webull Financial is a fintech company that focuses on providing financial services for personal investors all over the world with financial trading information and assistance. It also provides real-time market data, analysis tools, and trading commissions. It continuously improves its platform and brings exciting and useful tools to help users make smarter financial decisions.
wefox Group
Germany
Insurance
2015
Jonathan Seoane
wefox Group is the leading insurtech in Europe. It operates two businesses: wefox and ONE. wefox is the first service platform for all your insurance needs, which enables you to easily access all your insurance contracts at any time from anywhere and request and enter into new contracts or quit the old ones with just one click.
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wefox Group is the leading insurtech in Europe. It operates two businesses: wefox and ONE. wefox is the first service platform for all your insurance needs, which enables you to easily access all your insurance contracts at any time from anywhere and request and enter into new contracts or quit the old ones with just one click.
WorldRemit
United Kingdom
Payments
2010
Catherine Wines
WorldRemit is an online service that lets people send money to friends and family living abroad, using a computer, smartphone or tablet. It is a convenient, low-cost alternative to traditional money transfer companies that use high street agents and charge high fees. Money can be received as a bank deposit, cash pick-up, Mobile Money, or mobile airtime top-up.
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WorldRemit is an online service that lets people send money to friends and family living abroad, using a computer, smartphone or tablet. It is a convenient, low-cost alternative to traditional money transfer companies that use high street agents and charge high fees. Money can be received as a bank deposit, cash pick-up, Mobile Money, or mobile airtime top-up.
Zego
United Kingdom
Insurance
2016
Sten Saar
Zego is a global insurtech business providing flexible commercial insurance for businesses and professionals.
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Zego is a global insurtech business providing flexible commercial insurance for businesses and professionals.
Licaimofang
China
Wealth management
2014
Yuan YuLai
Licaimofang is an intelligent investment consulting service platform.
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Licaimofang is an intelligent investment consulting service platform.

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