毕马威-2019年金融科技100强（英文）112页_7mb

2019 Fintech100 Summary

Core Content

The Fintech100 is an annual report by H2 Ventures and KPMG that highlights the leading fintech innovators globally. It is divided into two sublists: Top 50 established fintech firms and Emerging 50 newer companies. The report emphasizes the role of technology in driving disruption within the financial services industry.

Main Points

• Global Reach: The 2019 Fintech100 includes companies from 29 countries, with the majority based in the Asia Pacific region.

• Regional Breakdown:

  • 42 companies from Asia Pacific (including Australia and New Zealand)
  • 36 companies from the UK and EMEA (Europe, the Middle East, and Africa)
  • 22 companies from the Americas (North and South America)

• Top 10 Fintech Companies:

  • Ant Financial (China): World's largest third-party payments platform.
  • Grab (Singapore): Uses data and technology to improve transportation and payments across Southeast Asia.
  • JD Digits (China): Offers digital, online and offline all-scenario services using big data, AI, cloud computing, blockchain and IoT.
  • GoJek (Indonesia): Multi-services platform with over 20 services, including financial services.
  • Paytm (India): Largest digital payments company in India with over 380 million registered users.
  • Du Xiaoman Financial (China): Provides short-term loan and investment services.
  • Compass (United States): Real estate technology company with an end-to-end platform.
  • Ola (India): Multi-services platform with Ola Money as its payments solution.
  • Opendoor (United States): Enables fast home selling and buying.
  • OakNorth (United Kingdom): Specializes in SME lending using its proprietary data and technology platform.

• Sectoral Breakdown:

  • 27 Payments & Transactions
  • 19 Wealth & Brokerage
  • 17 Insurance
  • 15 Lending & Credit
  • 9 Neo/Bank
  • 13 Multi-sector

• Capital Raised:

  • The Fintech100 companies raised over US$70B in venture capital in their lifetimes.
  • Over US$18B was raised in the past 12 months, marking a 35% increase from the previous year.
  • The Top 10 companies raised an average of US$1.25B in the last 12 months.

• Key Highlights:

  1. Capital Fueling Innovation: Fintech investment continues to drive innovation in the financial services industry.
  2. Leading Fintech Players Attract More Capital: 32 companies on the Fintech100 raised at least US$100M in the past 12 months.
  3. Innovation at Scale: The scale of fintech companies, combined with innovation, is changing economies and society.
  4. China's Dominance and India's Rise: China still leads with 3 companies in the Top 10, while India rises with 8 companies on the list and 2 in the Top 10.
  5. Fintech Normalizing: Traditional banking incumbents and global tech giants are becoming fintech innovators.
  6. Blurring Industry Boundaries: Non-financial players are entering financial services due to evolving customer needs and regulatory changes.
  7. Globalization of Fintech: Companies like Grab, Ola, and OakNorth are expanding into larger markets.
  8. Shift to Mainstream Services: Early fintech innovators are diversifying their services to meet broader customer needs.
  9. Open Banking: A significant trend that allows customers to control their data and enables new, personalized financial services.
  10. Southeast Asia as a Hot Spot: The region is gaining prominence with several fintechs making it onto the list.

Key Information

• The Fintech100 is based on five core factors: average annual capital raised, rate of recent capital raising, geographic diversity, sectoral diversity, and X-factor (innovation).
• The Top 50 and Emerging 50 lists are used to identify the most innovative fintech companies.
• The report highlights the growing influence of Asia Pacific in the fintech space, with China and India leading the charge.
• Open Banking is reshaping the financial landscape by enabling competition and innovation.
• Traditional banks and tech giants are increasingly adopting fintech strategies to remain competitive.
• Multi-sector fintechs are becoming more prominent, offering a diverse range of financial services.

Summary of Top Companies

Emerging 50

• Includes companies such as ACKo General Insurance, AlpacaJapan, Arbor, Athena Home Loans, Banked, Billie, Binance, Bnext, Bowtie Life Insurance, Cashlez, Clik, daisee, Dether, Finanbest, Finhay, FlexiLoans, ForwardLane, Habito, InvestSuite, Inviou, Latipay, Lunchr, Masii, MenaChain Solutions, MioTech, Moin, Moonshot-Internet, Multiply, Mylo, Namaste Credit, Next Insurance, Oko Finance, Omni:us, OneDegree, Open, Papara, Paystack, PolicyPal, Rebel, Rundit, Sempo, Silot, Simply, Slyp, Spendesk, Tokeny Solutions, Toranotec, TrueLayer, Uala, Yields.io.

Conclusion

The Fintech100 2019 report underscores the continued growth and innovation in the fintech sector, with a significant shift in focus towards wealth, insurance, and multi-sector companies. China and India remain key players, with India showing rapid emergence as a fintech leader. The report also highlights the increasing globalization of fintech companies and the blurring of traditional industry boundaries.