H2_Ventures_毕马威-2017全球金融科技100强（英文）-112页_9mb

2017 Fintech100 Summary

Core Content

The 2017 Fintech100 report, jointly published by KPMG and H2 Ventures, highlights the most innovative fintech companies globally. The report includes two sub-lists: the Top 50 established fintech firms and the Emerging 50 newer companies. The companies are selected based on ten dimensions, including capital raising, innovation, and geographic and sectorial diversity.

Main Points

• Global Reach: The Fintech100 features companies from 29 countries, showing the global nature of fintech innovation.
• Regional Highlights:
  • China continues to dominate the fintech landscape, with 5 of the Top 10 companies.
  • EMEA leads in the Emerging 50 with 29 companies, while Asia (including Australia and New Zealand) has 30 companies.
  • Australia is on the rise with 10 companies in the list.
• Sector Breakdown:
  • Lending and Payments are the most prominent sectors, with 32 and 21 companies respectively.
  • Data and Analytics is also growing, with 3 companies, showing its increasing importance in the financial services industry.
• Key Themes:
  • Open Banking: A new trend emphasizing customer empowerment, transparency, and competition.
  • Data-Driven Innovation: Most Fintech100 companies leverage data and analytics to enhance their offerings.
  • Disruption vs. Enablement: Disruptive companies are leading the Top 50, while enablers support traditional financial institutions.

Key Information

• Total Capital Raised: Over US$28 billion in total, with US$5.5 billion raised in the last 12 months.

• Top 10 Companies:

  1. Ant Financial – World's largest third-party payments platform.
  2. ZhongAn – Uses big data for automated insurance.
  3. Qudian (Qufenqi) – Offers monthly instalment plans for consumer electronics.
  4. Oscar – Transforms US health insurance through technology.
  5. Avant – Fast-growing marketplace lending platform.
  6. Lufax – Leading online financial asset trading company.
  7. Kreditech – Provides fast lending to underbanked customers.
  8. Atom Bank – UK's first purely digital retail bank.
  9. JD Finance – Uses e-commerce to offer finance across seven verticals.
  10. Kabbage – Automated lending platform for small businesses.

• Emerging 50:

  • Includes 26 companies from the UK & EMEA, 10 from the Americas, and 14 from Asia.
  • Reflects the rise of fintech startups and innovation in new markets.

Summary of Key Criteria

• Capital Raised: A significant metric in the selection process.
• Geographic Diversity: Companies from 29 countries, with notable first-time entries from Korea, Mexico, and Poland.
• Sectorial Diversity: Companies span multiple areas including lending, payments, insurance, and data analytics.
• X-Factor: Measures innovation in products, services, and business models, particularly for the Emerging 50.

Notable Trends

• Open Banking: Becoming a catalyst for change in financial services, with 15 companies in the Fintech100 involved in this movement.
• Data and AI: Central to the business models of most fintech companies, enhancing risk assessment, personalization, and customer service.
• Collaboration with Traditional Institutions: Many companies are working with banks and financial institutions to develop B2B solutions and enhance existing services.

Conclusion

The 2017 Fintech100 underscores the growing influence of fintech across the globe, particularly in China, EMEA, and Asia. The report highlights the importance of innovation, data utilization, and open banking in shaping the future of financial services. It serves as a comprehensive guide to the most impactful fintech firms and their contributions to the industry.