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1、1 | Fintech Innovators 2016 1,2016FINTECH100,Leading GlobalFintech Innovators,i | Fintech Inovators 2016,Introduction,Dear Reader,We are pleased to present the third annual Fintech100, the best fintech innovators, this year from 23 countries around the world.The Fintech100 are those companies using
2、technology to their best advantage and driving disruption within the financial services industry. These companieshave a commitment to excellence, superior customer experience and a demonstrated ability to do something in a market better than everyone else.The Fintech100 includes the leading 50 finte
3、ch companies across the globe, and the most intriguing 50 Emerging Stars exciting new fintechs with bold, disruptive and potentially game-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 c
4、ompanies from Australia and New Zealand.The rise of fintech in China continued this year, with Hangzhou-based Ant Financial taking the 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 in
5、surtech and the highest ranked US-based company.The continued dominance of China, which rapidly rose last year to take the top spot, 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 Philipp
6、ines. In fact, the Top 50 Emerging Stars list for 2016 includes companies from 23 countries, including Chile, the Philippines, and Mexico for thefirst time.Through our report we have analysed a number of sectors within the financial services industry. These,sectors include: payments, lending, wealth
7、, insurance and - new this year regtech where we are seeing rapid value creation as the pace of disruption increases.The Fintech100 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 curr
8、encies companies,5 blockchain companies,3 capital markets companies,2 crowd funding companies, and1accounting company.The 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 worl
9、d in startups that are creating new financial products and solutions. These 100 companies have attracted an additional US$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 enabl
10、ers, those who helpincumbents do better work. With 92% of the top 50 in the disruptor category the message for the financial 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 fina
11、ncial services technology sector, one where new ideas are able to build the traction they need to attract large amounts 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 do
12、es business.,Fintech Innovators 2016 | ii,Toby Heap Founding Partner H2 Ventures,tob,Ian PollariPartner & Co-Lead, KPMG Global Fintech practice KPMGIP23E,Weve selected the Fintech100 following extensive global research and analysis based on data relating to five factors:,Total capital raisedRate of
13、capital raisingGeographic diversitySectorial diversityX-factor: degree of product, service and business model 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
14、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 else.,The companies named in this report all take a well- deserved position as the leading 100. Nonetheless, there are ma
15、ny 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, 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
16、services over the next decade.,The Top 10 companies in the Fintech100 for 2016 are:,Ant FinancialQudianOscarLufaxZhongAnAtom BankKreditechAvantSofiJD Finance,You can read all about these companies, and many others, in the following pages.,We encourage you to visit to find out more.,Yours Faithfully
17、,iii | Fintech Inovators 2016,Key Highlights from the Fintech100 ReportChina now tops the 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 e
18、ight of the top 50.Greater geographic diversification the Established 50 list comprises 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
19、10 companies on the list are fintech disruptors (and 46 of the top 50) while overall, the 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
20、 continues its climb with 12 insurance fintech companies in this years list, almost double 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 raised continues to rise reaching a total of US$14.6bn of capital raised since last years report.,
