NOAH Disruptor List (Cont'd) Insurance & Finance Company Country Description Funding ($m) Company Description Funding ($m) Europe – Transaction Value: Fintech ($640bn) USA –Transaction Value: Fintech ($769bn) E-commerce payment solutions 600 Lending and wealth management services 1,880 Peer-to-Peer money transfer service 396 Lending marketplace to SMB 373 Online credit platform 654 Lending using online data 282 Installment loans at the point of sale 620 Online banking services 268 Online, mobile and PoS payment 266 * Credit card processing platform 591 Online peer-to-peer loan marketplace 198 Mobile payments company 292 Web and mobile payment services 440 Loan facilities for students 217 Online credit and financial management 420 Online international money transfer 188 * Online loans secured with luxury assets 184 Peer-to-peer lending company 392 Peer-to-peer invoice finance platform 157 Marketplace for lending 355 Home banking on mobile 150 Online payday lender 145 Cloud-based mobile payment and marketing 307 App-based mobile digital banking services 145 Blockchain-based social payment app 136 Smart automated investing service 275 Peer-to-Peer lending platform 128 Cross-border payment platform 270 Financial solution to SMB 119 Zopa Peer-to-Peer money lending service 112 Personal finance and payment automation 259 Regulatory financial software 111 Financial lending and data company 239 Online business loans to companies 98 Online investment management firm 90 Bitcoin wallet and exchange service company 225 Global mobile foreign money transfer app 86 Mobile-delivered health insurance 82 Online investment advisory platform 215 Social trading and investment marketplace 73 Online car insurance provider 206 Digital bank 70 Web-based bitcoin platform 70 Investment management platform 206 Interest rate comparison site 64 Automated investment service firm 205 Cloud-based platform for payments 59 Online Peer-to-Peer lending platform 59 * Platform forbusiness lenders and borrowers 190 Short-term finance to SMEs 59 Operator of an online lending platform 58 Financial lending platform to SMEs 182 Consumer loans comparison platform 53 Online Peer-to-Peerinsurance 180 Fintech company offering online banking 53 Lending platform for postgraduates 53 Low-cost stock brokerage 176 Digital investment management service 50 Online marketplace for real estate lending 166 Provider of consumer fintech solutions 48 Worldwide money transfer 47 Online loans backed by car ownership 155 Platform forbank-to-bank payments 47 Mobile point-of-sales company (mPOS) 44 SaaS treasury and payment solutions 153 Offers products around fixed deposits 44 Marketplace for alternative investments 133 International student payment solution 43 Platform for digital subscription payments 42 Financial management and accounting 131 Banking-as-a-Platform service 42 Online and mobile payment solutions 126 SaaS for managing contractors' payments 40 Payment platform 40 Online-only direct lender of loans 112 Machine learning for insurance fraud 40 Peer-to-Peer lending platform 38 Short term invoice financing to SME 108 Risk management for financial institutions 37 Distributed ledger technology solutions 107 Platformfor algorithmic trading strategy 34 Online insurance brokerage 34 Online investment platform 102 Product insurance for e-commerce 33 Mobile payment platform 100 Property crowd funding platform 32 Bitcoin mining equipment 32 International payments 94 Peer-to-peer foreign currency swap 32 Mobile app for personal finance 31 Global mobile payments network 87 Quick-to-access personal finance 30 Online marketplace investing in rental homes 75 Independent investment advisory services 30 Mobile payments with loyalty and rewards 30 Online payment service provider 74 Marketplace for business loans in SME 27 Personal finance website 69 International payment 27 Low-cost stock trading platform 23 Peer-to-peer digital currency 63 Online alternative investment platform 20 Automation for financial agreement process 18 Credit scoring and credit risk 62 Mobile insurance broker 18 Online lending marketplace 51 Mobile personal finance app for savings 17 Android NFC reader for cashless payments 17 SaaS suite of enterprise software for SMEs 50 Insurance robo-advisor 15 Online asset management fund 49 E-trading financial technology 15 Secure in-app payments 14 Fundraising platform 48 Prepaid debit card and mobile banking 11 App and card reader to create PoS 11 Bitcoin wallet 40 Cybersecurity for credit card fraud 8 Online marketplace for real estate investing 36 Fraud prevention platform 6 Platform for retail investors 5 Financial search engine for equity investors 35 Anti-fraud company for payment 5 Online investing platform 20 Provider of eWalletsolution 3 Source: Crunchbase. 41 * The company went public after July 2014