Fintech 100 Leading Global Innovators 2015 - …

1 Staff Size$ $ $ $ $Enabler or DisruptorUser EngagementThe 100 Leading Fintech Innovators Report Company Description Company #00At a GlanceTag LineLocatedYear FoundedKey People WebsiteSpecialisationKey InvestorsOwnershipFINTECH 100 Leading Global Fintech Innovators Report 2015 IntroductionDear Reader,We are pleased to present the second annual Fintech 100 , the best Fintech Innovators , this year from 19 countries around the Fintech 100 are those companies using technology to the best advantage and driving disruption within the financial services industry.

2 These companies have a commitment to excellence, superior customer experience and a demonstrated ability to do one thing in a market better than everyone Fintech 100 includes the Leading 50 Fintech companies across the globe, and the most intriguing 50 emerging stars exciting new fintechs with bold, disruptive and potentially game-changing ideas expanding on the success of last year s list. The Fintech 100 in 2015 includes: 40 companies from The Americas (40%), 20 companies from the EMEA (20%), 18 companies from the UK (18%), 12 Companies from Asia (12%), and 10 companies from Australia and New Zealand (10%).

3 Below is a map which looks at where the top fifty companies are placed worldwide. As you will see, within the top ten, two are from China. There is also a spread of companies working out of San Francisco, and some emerging areas such as London and Sydney are gaining more traction. Through our report we have analysed a number of sectors within the financial industry, these sectors are; insurance, transactions, lending and wealth. The Fintech 100 in 2015 includes: 25 payments and transactions companies (25%), 22 lending companies (22%), 14 wealth companies (14%), and 7 insurance companies (7%).

4 The data that was discovered through the report shows an interesting spread of Fintech is the combination of technology and financial services resulting in the disruption of the finance industry and this sector has seen substantial growth over recent years. Global Fintech financing has risen seven-fold over the past three years to an estimated US$20billion for 2015 , a rise of 66% on the level of investment in an industry that will soon be irrevocably changed by the disruptive effect of innovation, the companies doing Fintech best are those most likely to succeed.

5 Already, some of the world s major financial centres are equally becoming known as centres for Fintech innovation: London and New York, and more recently Sydney. Fintech is clearly not to be ignored, and the next question one must ask: who are the most innovating Global Fintech companies across the globe? We ve selected the Fintech 100 following extensive Global research and analysis based on data relating to five factors:1. Total capital raised2. Rate of capital raising3. Geographic & sector diversity4. Consumer & marketplace traction5.

6 X-factor: degree of product, service and business model innovation (a subjective measure that is applied only with respect to companies outside of the Top 50 on the list)The 100 Leading Fintech Innovators Report | Page 01 Toby HeapFounding Partner H2 Ventures@tob@IP23 EThe above assessment criteria reflects the fact that venture capital invested is a relevant measure of innovation which in turn fuels enduring competitive advantage. Venture capitals seek this enduring competitive advantage over and above anything companies named in this report all take a well-deserved position as the Leading 100.

7 Nonetheless, there are many other exciting and creative Fintech companies around the world that are established and emerging. We hope that this report is just the start of the Fintech future, and that the Leading 100 Innovators will soon become a register for all Fintech Top 10 companies in the Fintech 100 for 2015 are:1. ZhongAn (China) 2. Oscar (USA) 3. Wealthfront (USA) 4. Qufenqi (China) 5. Funding Circle (UK)6. Kreditech (Germany)7. Avant (USA)8. Atom Bank (UK)9. Klarna (Sweden)10. OurCrowd (Israel)You can read all about these companies, and many others, in the following encourage you to visit to find out Faithfully,The 100 Leading Fintech Innovators Report | Page 02 Ian PollariPartner.

8 Financial ServicesKPMGThe 100 #01 ZhongAn#02 Oscar#03 Wealthfront#04 Qufenqi#05 Funding Circle#06 Kreditech#07 Avant#08 Atom #09 Klarna#10 OurCrowd#11 Lufax#12 Robinhood#13 Square#14 Motif Investing#15 Xero#16 Stripe#17 Collective Health#18 Credit Karma#19 Adyen#20 Personal Capital#21 SecureKey Technologies#22 Betterment#23 Kabbage#24 Lending Club#25 Prosper#26 Coinbase#27 iZettle#28 Policybazaar#29 Knip#30 Affirm#31 Circleup#32 IEX Group#33 Prospa#34 eToro#35 LearnVest#36 Sofi#37 SocietyOne#38 OnDeck#39 Wecash#40 FangDD#41 VivaReal#42 Nutmeg#43 Stockpile#44 Spotcap#45 Jimubox#46 TransferWise#47 Rong360#48 21 Inc#49 Coverfox#50 AngelListAcornsAvokaBankableBioCatchBLen derC2 FOCinnober Financial TechnologyCoinifyColuCredithoodCredoraxe bankITEburyEllipticEquitiseEstimizeFasta cashFidor BankFinanceItFriendsuranceGoCardlessGoHe nryMenigaMetamakoMoulaMyMicroInvestNumbe r26 NumoniOrchard PlatformOsperPayRangePersoneticsPlaidPro misePayProperty PartnerQumramRenrendaiRevolutRippleSalar y FinanceSimply Wall

9 StSlimPayStockspotSyndicateRoomThe Currency CloudTraityTruliooValutoXigniteYoyo WalletThe 100 Leading Fintech Innovators Report | Page 03 About the ListThe Fintech 100 is a collaborative effort between H2 Ventures and KPMG and analyses the Fintech space globally. The report highlights those companies globally that are taking advantage of technology and driving disruption within the financial services industry. A judging panel comprised of H2 Ventures, KPMG and Matchi, the online Fintech match-making platform, was used to decide on the final composition of the Fintech 100 benefits of being included on the list go beyond profile.

10 This year, 10 of the top emerging Fintech startups will be invited to attend a Fintech Summit in London to pitch their ideas to some of the world s Leading financial institutions, venture capital funds and investors. In addition they will receive professional services support from KPMG, plus membership and discounted deal-success rates with Matchi.@H2_VenturesH2 VenturesH2 VenturesSymbols ExplainedHow many staff work at the companyHow large is the business What level of social media and user engagement do they have?Is the company enabling existing financial services?