The World's Top 10 Most Innovative Companies in Finance


For upending the credit card transaction-fee model for more than 2 million businesses by offering flat-rate processing.


For cracking the secret world of capital markets by creating open-source risk-management software.

3_Lending Club

For bringing peer-to-peer lending to the mainstream—to the tune of $1 billion in loans to prime borrowers.


For using unconventional data like shipping history to extend short-term loans to small merchants.


For scouring the web to return $1 million in fraudulent charges and stalled refunds to debit and credit card users.


For rolling out in-store checkout by PayPal account, even if you forgot your credit card and your smartphone.

7_American Express

For generating unique offers for customers by plumbing their social media posts and spending habits.


For making it a snap for online merchants to accept credit cards on their sites.


For helping individual investors assess risk, using personalized algorithms and portfolio alerts.


For becoming the online portfolio doctor, highlighting overpriced funds and suggesting alternatives within seconds.

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  • Jason A.

    I wanted to say that Simple should be on this list, but I have been an account holder for 3 months and I'm still not impressed.

  • Hansjörg Leichsenring

    The major
    banks should better start to build an open innovation culture and such
    structures to not loose entire market grip to the customers

    Cheers from Germany
    Hansjörg Leichsenring

  • Guest

    Should be near the top of this list: -- cutting-edge online foreign exchange broker and currency information services provider

  • Josh Anish

    We at Kabbage are also pretty fired up about the inclusion on this list. Check out our data platform that is advancing the largest number of cash advances to small businesses.

  • Marina Boykis

    We at BillGuard are excited to be included on this list of financial services. Sign up for our product at billguard[dot]com