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2112017FINTECH100LeadingGlobalFintechInnovators1|FintechInnovators201612016FINTECH100LeadingGlobalFintechInnovatorsStaffSize$$$$$EnablerorDisruptorUserEngagementThe100LeadingFintechInnovatorsReportCompanyDescription“Company#00AtaGlanceTagLineLocatedYearFoundedKeyPeopleWebsiteSpecialisationKeyInvestorsOwnershipFINTECH100LeadingGlobalFintechInnovatorsReport2015The50BestFintechInnovatorsReport2017Fintech100Report2018Fintech100Report2015Fintech100Report2016Fintech100Report2014Fintech100Report2018FINTECH100LeadingGlobalFintechInnovators3TheFintech100isacollaborativeeffortbetweenH2VenturesandKPMGandanalysesthefintechspaceglobally.TheFintech100comprisesa‘Top50’andan‘Emerging50’andhighlightsthosecompaniesgloballythataretakingadvantageoftechnologyanddrivingdisruptionwithinthefinancialservicesindustry.H2VenturesH2Venturesisoneoftheemergingthoughtleadersinfintechventurecapitalinvestmentaroundtheworld.FoundedbybrothersBenandTobyHeap,andbasedinSydney,Australia,itinvestsalongsideentrepreneursandotherinvestorsinearlystagefintechventures.H2VenturesisthemanageroftheH2Accelerator-Australia’sleadingfintech,dataandartificialintelligenceaccelerator.Twitter@H2_VenturesLinkedInH2VenturesFacebookH2VenturesKPMGGlobalFintechThefinancialservicesindustryistransformingwiththeemergenceofinnovative,newproducts,channelsandbusinessmodels.Thiswaveofdisruptionisprimarilydrivenbyevolvingcustomerexpectations,digitalisation,aswellascontinuedregulatoryandcostpressures.KPMGispassionateaboutsupportingourclientstosuccessfullynavigatethischange,mitigatingthethreatsandcapitalisingontheopportunities.KPMG’sGlobalFintechpracticecomprisesofpartnersandstaffinover50fintechhubsaroundtheworld,workingcloselywithfinancialinstitutionsandfintechcompanies,tohelpthemunderstandthesignalsofchange,identifythegrowthopportunitiesandtodevelopandexecuteontheirstrategicplans.Twitter@KPMGLinkedInKPMGAbouttheListTheFintech100highlightstrulyinnovativecompanies,creatingproductsandservicesatthejunctureoftechnologyandfinancialserviceswhoareseekingtodisrupttheexistingprocessesandproductsthatdominatethemarketplace,withfintechcompaniesfrom29countriesfeaturinginthisyear’slist.TheFintech100isdividedintotwosublists:(1)the‘Top50’establishedfintechfirmsaroundtheglobe,whicharerankedbasedoninnovation,capitalraisingactivity,sizeandlocation;and(2)the‘Emerging50’firms,whicharenewercompaniesthatareattheforefrontofinnovativetechnologiesandpractices.We’veselectedthecompaniesintheFintech100followingextensiveglobalresearchandanalysisbasedondataacrossarangeofdimensions,includingthecorefivefactorsnotedbelow:1.Averageannualcapitalraised2.Rateofrecentcapitalraising3.Geographicdiversity4.Sectoraldiversity5.X-factor:degreeofproduct,serviceandbusinessmodelinnovation(asubjectivemeasurethatisappliedonlywithrespecttocompaniesappearingontheEmerginglist)TheseselectioncriteriaarethekeymetricsusedtocalculatetherankingsofcompaniesintheFintech100.DearReader,TheFintech100in2019includes:•42companiesfromAsiaPacific(includingAustraliaandNewZealand),•36companiesfromtheUKandEMEA(Europe,theMiddleEastandAfrica),and•22companiesfromtheAmericas(NorthandSouthAmerica).China’sdominanceofthetop10inrecentyearshastaperedin2019butwehaveseenariseincompaniesfromacrosstheAsiaPacific(includingChina)whichrepresentthetop6,and7ofthetop10fintechcompaniesin2019withChinaagainsecuringthemosttoptenpositions(3).In2019wehavealsoseentheemergenceofIndiaasafintechforcetakingout2top10positionsandwith8companiesonthisyear’slistaltogether.ThesectoralbreakupoftheFintech100isasfollows:•27paymentsandtransactionscompanies,•19wealthcompanies,•17insurancecompanies,•15lendingcompanies,•9neo/challengerbanks,and•13companiesthatoperateacrossmultiplefintechsectors.ThisyearwehaveseenadropinthenumberofpaymentsandlendingcompaniesmakingtheFintech100.Theyhavebeenreplacedbyasurgeinthenumberofwealth,insuranceandmulti-sectorcompanies.H2VenturesandKPMGareexcitedtopresentthesixthannual‘Fintech100’reportwhichcompilesalistoftheyear’sleadingfintechinnovatorsfromaroundtheworld.455Thisyear’slistrevealsasignificantincreaseinventurecapitalbackingoffintechcompanies.Thecompaniesonthe2019ListhaveraisedoverUS$70Binventurecapital(a35%increaseonlastyear’sfigure)andoverUS$18Bofcapitalinthepast12months.WecongratulatetheTop10companiesintheFintech100for2019:1.AntFinancial(China)istheworld’slargestthird-partypaymentsplatform.2.Grab(Singapore)usesdataandtechnologytoimproveeverythingfromtransportationtopaymentsacrossaregionofmorethan620millionpeople.3.JDDigits(China)isadigitaltechnologycompany,dedicatedtoprovidingdigital,onlineandofflineall-scenarioservicesaroundthreekeypoints-data,userandconnectivity,usingemergingtechnologiessuchasbigdata,AI,cloudcomputing,blockchainandIoT.4.GoJek(Indonesia)amulti-servicesplatformwithmorethan20servicesincludingGopay,Gobills,Gopoints,Paylater,andGopulsaservingmillionsofusersinSoutheastAsia.5.Paytm(India)isthelargestdigitalpaymentscompanyinIndiawithmorethan380millionregisteredusersand12millionmerchantson-boarditsPaytmplatform.6.DuXiaomanFinancial(China)prov