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1、1 | Fintech Innovators 201612016 FINTECH100Leading Global Fintech InnovatorsACCOUNTING (1)PAYMENTS (18)DATA & ANALYTICS (8)BLOCKCHAIN (5)DIGITAL CURRENCIES (5)INSURANCE (12)CROWD FUNDING (2)LENDING (32)WEALTH (6)REGTECH (8)CAPITAL MARKETS (3)i | Fintech Inovators 2016IntroductionDear Reader,We are p
2、leased to present the third annual Fintech100, the best fintech innovators, this year from 23 countries around the world.The Fintech100 are those companies using technology to their best advantage and driving disruption within the financial services industry. These companies have a commitment to exc
3、ellence, superior customer experience and a demonstrated ability to do something in a market better than everyone else.The Fintech100 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
4、-changing ideas. The Fintech100 in 2016 includes: 35 companies from The Americas, 29 companies from the EMEA, 14 companies from Asia, 12 companies from the UK, and10 companies from Australia and New Zealand. The rise of fintech in China continued this year, with Hangzhou-based Ant Financial taking t
5、he top spot in the 50 Established Innovators list, and Qudian, Lufax, Zhong An and JD Finance also in the top ten. Oscar, at number three, is the both highest ranked insurtech and the highest ranked US-based company. The continued dominance of China, which rapidly rose last year to take the top spot
6、, tells only part of the story. We are seeing the emergence of exciting fintech players in countries across the world, from India to Israel, from Portugal to the Philippines. In fact, the Top 50 Emerging Stars list for 2016 includes companies from 23 countries, including Chile, the Philippines, and
7、Mexico for the first time. Through our report we have analysed a number of sectors within the financial services industry. These sectors include: payments, lending, wealth, insurance and - new this year regtech where we are seeing rapid value creation as the pace of disruption increases. The Fintech
8、100 in 2016 includes: 32 lending companies, 18 payments companies,12 insurance companies, 8 regtech companies, 8 data and analytics companies, 6 wealth companies,5 digital currencies companies, 5 blockchain companies,3 capital markets companies, 2 crowd funding companies, and1 accounting company.The
9、 Fintech100 2016 demonstrates the acceleration of the disruption taking place in the global financial services industry, with more capital than ever being invested around the world in startups that are creating new financial products and solutions. These 100 companies have attracted an additional US
10、$14.6bn of capital in the last 12 months. One of the striking features of the list is the tip in the balance towards disruptors, those who challenge the existing market, over enablers, those who help incumbents do better work. With 92% of the top 50 in the disruptor category the message for the fina
11、ncial services sector is that now more than ever it is time to embrace innovation to stave off the threat of fintech startups.The report highlights a growing and vibrant global financial services technology sector, one where new ideas are able to build the traction they need to attract large amounts
12、 of capital. For the consumer, this can only be good news with new ideas leading to better choice and a sector that is re-aligning to place customer needs at the centre of how it does business.Fintech Innovators 2016 | ii Toby HeapFounding Partner H2 VenturestobIP23EIan PollariPartner & Co-Lead, KPM
13、G Global Fintech practiceKPMGWeve selected the Fintech100 following extensive global research and analysis based on data relating to five factors:1. Total capital raised2. Rate of capital raising3. Geographic diversity 4. Sectorial diversity5. X-factor: degree of product, service and business model
14、innovation (a subjective measure that is applied only with respect to companies appearing on the 50 Emerging Stars list)The above assessment criteria reflects the fact that venture capital invested is a relevant measure of innovation which in turn fuels enduring competitive advantage. Venture capita
15、ls seek this enduring competitive advantage over and above anything else.The companies named in this report all take a well-deserved position as the leading 100. Nonetheless, there are many other exciting and creative fintech companies around the world that are established and emerging. We hope that
16、 this report is just the start of the fintech future, as we expect that the companies featured in this report are just the tip of the iceberg for the changes that will occur in financial services over the next decade.The Top 10 companies in the Fintech100 for 2016 are: 1. Ant Financial2. Qudian3. Os
17、car4. Lufax5. ZhongAn6. Atom Bank7. Kreditech8. Avant9. Sofi10. JD FinanceYou can read all about these companies, and many others, in the following pages.We encourage you to visit to find out more.Yours Faithfully,iii | Fintech Inovators 2016Key Highlights from the Fintech100 ReportChina now tops th
18、e global rankings within three years, Chinas fintech ventures have gone from only one company included in the top Established 50 rankings in 2014, to this year China featuring four of the top five companies and eight of the top 50.Greater geographic diversification the Established 50 list comprises
19、of fintech companies from 17 different countries compared to 13 countries last year, with companies from France, Mexico, South Africa and Singapore included for the first time.Disruptors dominate nine of the top 10 companies on the list are fintech disruptors (and 46 of the top 50) while overall, th
20、e number of fintech enablers has risen to 28 (up from 25 last year).Lending returns to the fore 23 of this years top 50 (and 32 in the 100) have business models related to lending (up from 22 last year).Insurtech continues its climb with 12 insurance fintech companies in this years list, almost doub
21、le last years total.The emergence of regtech with nine fintech companies focused on regulatory solutions in the list this year.Mega funding rounds the number of deals/funding rounds above US$1bn have continued to rise, including Ant Financial, Lufax and JD Finance.The aggregate level of capital rais
22、ed continues to rise reaching a total of US$14.6bn of capital raised since last years report.Fintech Innovators 2016 | iv Leading 50page#01Ant Financial1#02Qudian2#03Oscar3#04Lufax4#05ZhongAn5#06Atom Bank6#07Kreditech7#08Avant8#09Sofi9#10JD Finance10#11Klarna11#12Funding Circle12#13Square13#14Xero14
23、#15Adyen15#16Nubank16#17Kabbage17#18OurCrowd18#19Affirm19#20Circle20#21Stripe21#22Collective Health22#23Lendingkart23#24Wealthfront24#25Credit Karma25#26Lending Club26#27Prosper27#28Xapo28#29Spotcap29#30OnDeck30#31Prospa31#32Lendix32#33WeLab33#34Rong36034#35iZettle35#36League36#37LendUp37#38Kueski38
24、#39PINTEC39#40Motif Investing40#41Wealth Migrate41#42SecureKey Technologies42#43Tyro43#44Policybazaar44#45itBit45#46VivaReal46#47Coinbase47#48Knip48#49Payoneer49#50SocietyOne50The Fintech100v | Fintech Inovators 2016Emerging Starspage2can53AfterPay54AIMin55Anivo56AQMetrics57Azimo58BlackSwan59Bluzell
25、e60Brighte61ComparaOnline62ConsenSys63Credit Kudos64Data Republic65Digital Asset Holdings66DMWay67Doreming68Droit69EasyEquities70Feedzai71Finova Financial72Fluo73Grow74GuiaBolso75HashChing76Hello Soda77Hitbtc78I/O Digital79Identitii80Innovative Assessments81iwoca82Leetchi83L84Lenddo85NewBanking86Nor
26、th Side Inc.87OSeven Telematics88Overbond89PAIR Finance90PayKey91Point92Quantoz N.V.93Ravelin94Rippleshot95solarisBank96Spriggy97Tink98TipRanks99WealthSimple100Zoona101ZooZ102presented in alphabetical orderFintech Innovators 2016 | vi Symbols Explained How many staff work at the company$How large is
27、 the business Is the company enabling existing financial services? Is the company disrupting financial services? Companies to watch in the coming years The Fintech100 is a collaborative effort between H2 Ventures and KPMG and analyses the fintech space globally. The annual report highlights those co
28、mpanies globally that are taking advantage of technology and driving disruption within the financial services industry. A judging panel comprised of H2 Ventures and KPMG was used to decide on the final composition of the Fintech100 list.About H2 VenturesH2 Ventures is one of the emerging thought lea
29、ders in fintech venture capital investment around the world. Founded by brothers Ben and Toby Heap, and based in Sydney, Australia, it invests alongside entrepreneurs and other investors in early stage fintech ventures. H2 Ventures is the manager of the H2 Accelerator - Australias only dedicated fin
30、tech accelerator - and operates out of Sydneys dynamic fintech hub, Stone & Chalk.H2_VenturesH2 VenturesH2 VenturesKPMGKPMGkpmgAbout the ListAbout KPMG InternationalKPMG is a global network of professional services firms providing Audit, Tax, and Advisory services. We operate in 155 countries and ha
31、ve 174,000 people working in member firms around the world. The independent member firms of the KPMG network are affiliated with KPMG International Cooperative (KPMG International), a Swiss entity. Each KPMG firm is a legally distinct and separate entity and describes itself as such.KPMGs Financial
32、Services practice has launched the global fintech practice in order to leverage international investment activity and capability development in fintech across KPMG member firms. Warren Mead and Ian Pollari, partners with KPMG in the UK and KPMG in Australia respectively, have been appointed as globa
33、l co-leads of the practice, along with a leadership team including partners from countries including the U.S., U.K., Israel, China & Hong Kong, India and Australia.1 | Fintech Innovators 2016Company DescriptionAnt Financial, formally known as Alipay, which is the worlds leading third-party payment p
34、latform. Ant Financial is dedicated to creating an open ecosystem, providing inclusive financial services to small and micro enterprises and individual consumers. Businesses operated by Ant Financial include Alipay, Ant Fortune, Zhima Credit, MYbank and Ant Financial Cloud, covering payment, wealth
35、management, independent credit scoring and reporting, private bank and cloud computing services. Ant Financials invested/controlled companies and affiliates also work closely with Ant Financial to support its ecosystem.Staff Size $ $ $ $ $Enabler / Disruptor Rank Last YearNEW“China has never been la
36、cking banks; it has 200 of them, but we have an opportunity to use Internet methods, Internet technology, Internet thinking to disrupt traditional finance.” - Lucy PengAt a GlanceTagline: Bring small and beautiful changes to the worldLocated: ChinaYear Founded: 2004Key People: Lucy Peng, Executive C
37、hair and CEOWebsite: http:/ Payments Ownership: Private01Ant FinancialFintech Innovators 2016 | 2 Company DescriptionQudian is a student Micro-loan Site, an installment payment and investment management platform. Qudian Group operates two main business platforms: a consumer finance platform and a mi
38、cro credit lending platform. Its aim has been to broaden the scope of financing available to the many consumers in China that do not currently use credit cards. The company has a substantial number of registered users and offers credit to young and middle aged consumers. The group has established se
39、veral formal partnerships with companies engaged in financial services, e-commence, digital services, FMGG and other sectors.02QudianStaff Undisclosed Size $ $ $ $ $Enabler / Disruptor Rank Last Year04“Beijingbased Qudian, recently completed US$ 9digit Series E funding round and will soon announce i
40、nvestors and specific funding amounts. We also rolled out a new product, Quzu, which allows users to pay their apartment rent in installments.” - Luo MinAt a GlanceTagline: Zero down payment installmentsLocated: ChinaYear Founded: 2014Key People: Luo Min, Founder and CEOYang Jiakang, CFOWebsite: htt
41、p:/ Category: Lending Ownership: Private 3 | Fintech Innovators 201603OscarCompany DescriptionOscar is a health insurance company that employs technology, design, and data to humanise health care. With a team of technology and healthcare experts, Oscar looked at the current state of the US healthcar
42、e system, and were frustrated by the consumer experience. In response, they decided to revive how healthcare is delivered. They are reinventing how to manage care, process medical claims, control healthcare costs, and provide transparency. With all the complexity hidden behind an easy experience for
43、 members. Oscar is making the healthcare system simple, smart and friendly.Staff Size $ $ $ $ $Enabler / Disruptor Rank Last Year02“We started three years ago with the very distinct idea of creating a better user interface for healthcare, and most specifically health insurance.” - Mario SchlosserAt
44、a GlanceTagline: Simple health insurance, smart health care.Located: United StatesYear Founded: 2013Key People: Mario Schlosser, Co-Founder and CEOJoshua Kushner, Co-FounderWebsite: https:/ Category: Insurance Ownership: PrivateFintech Innovators 2016 | 4 Company DescriptionLufax is an Internet base
45、d lending and wealth management platform, which is owned by Ping An Group. Lufax aims to provide one of the most comprehensive wealth management platforms globally. In addition to online lending, its services include providing risk management expertise, financial assets trading information and relat
46、ed consulting services for enterprises, financial services institutions and other qualified investors. Lufax takes advantage of the latest big data and IT technologies, and leverages the most advanced risk assessment models and risk control systems.Staff Undisclosed Size $ $ $ $ $Enabler / Disruptor
47、 Rank Last Year11“While originally starting with peer to peer lending, LuFax has expanded into other financial service verticals.” - Gregory GibbAt a GlanceTagline: Wealth management platform, investment and financingLocated: ChinaYear Founded: 2011Key People: Ji Kuaisheng, Chairman and CEO Gregory
48、Gibb, Chairman Li Renjie, ChairmanHuang Wenxiong, Deputy General ManagerWebsite: https:/ Category: Capital Markets Ownership: Private 04Lufax5 | Fintech Innovators 2016Company DescriptionZhongAn is an Internet insurance company, head-quartered in Shanghai. ZhongAn applies mobile Internet, cloud comp
49、uting, big data and other new technologies for a variety of different purposes including product design, automatic claims settlement, market positioning analysis, risk control and back-end claims services.Its services help users search for insurance products for a variety of purposes including trave
50、l, shopping, medical treatment and investment. ZhongAn offers a wide range of online insurance services to the Chinese market, catering to all socio-economic groups, with a major focus on travel, accident and health.Staff Size $ $ $ $ $Enabler / Disruptor Rank Last Year01ZhongAns business model is b