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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.