After hundreds of applications, we are pleased to announce the top 50 below and a special thank you to for sponsoring the competition.

Top 50 >>

Top 25 >>

Top 10 >>

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Meet The Judges

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Notable Mentions

Again this year we were聽extremely impressed with the calibre of entries, with some of the most outstanding Fintech companies across payments, budgeting, finance and cryptocurrencies sharing their stories.

We noticed a huge interest in budgeting or payment apps that saved time and money for individuals and businesses, whether it was calculating their expenses, organising their costs and using AI to make this more efficient.

It is always great to see entries from firms involved in cryptocurrencies, making them more accessible to the general public, especially during the growth of this industry in the last year.

We also saw a huge rise in the BNPL space - whether it be for consumers or for businesses to help with cash flow for start-ups.

We always love seeing solutions that help individuals save more money or build better financial habits. We particularly liked the entry that was helping children build financial literacy - it's a key life skill that is sometimes missed in the curriculum.

Feedback From The Judges

We always like the applications that get straight to the point, especially as early as possible:

My business does 鈥�

We started in 鈥�. and today have made xyz in revenue or acquired over xyz number of followers.

Unfortunately for so many entries, they give a long back story about the industry and the market and we have to read through a lot before even understanding what the business is about. So the earlier you can present who you are and what you do, the better.

Numbers are important. There are a lot of good concepts out there, but we need to see some kind of growth or achievements. It鈥檚 not all about funding, since we mentioned this was not a requirement. We are looking for basic numbers including revenue, subscribers, customers, followers 鈥� anything tangible.

We apologies to the very capable entries that we received in insurance, HR, SaaS and AI 鈥� but do not worry, we will be running more top 50s later this year with your name on them!

We hope that these simple tips will come in useful for future applications and competitions. You should always enter a 91探花 competition because you have nothing to lose. Do not be afraid to ask for feedback from 91探花 or from your peers before you apply. Until then, thank you for entering and we look forward to seeing you next year for the Fintech50 next year!

Upcoming Competitions

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贵辞耻苍诲别谤(蝉):听Giuseppe Licari & Roberto Amerighi

Website:

Description: The FREE cashback app for brands that are good for you, your wallet and the planet.

About GreenJinn

GreenJinn, the FREE cashback app for brands that are good for you, your wallet and the planet.

Get real cash on the brands you love from the supermarkets most convenient for you. Save up to 拢1,500 yearly cashback on healthy and sustainable products with offers tailored to you.

For the brands they work with, they help solve the blind spot in their media with their new system: GreenJinn Treasure: Tracking and measuring offline conversion from media.

Treasure allows brands to go beyond brand awareness of their ad spend and deliver tangible and measurable call-to-actions to drive in-store activation with actionable insights and retargeting without needing cookies.

Founders launched GreenJinn back in 2017 with the aim to connect mindful and curious people with brave brands.

Giuseppe and Roberto, the founders, met at University, which is where their lightbulb moment happened. They (like a lot of people) were looking for an easy way to cut grocery bills without starving ourselves or having to buy junk food. So they wanted to start their own service to do just that… Hello GreenJinn!

They wanted to provide a space where people could discover new, healthy and quality brands, have personalised offers tailored to their needs and be as quick and simple as possible.

Their biggest challenge was the chicken and egg problem whilst building a marketplace. They were dependent on brands partnering with them as well as users downloading and joining the app. To overcome this they started funding offers on brands themselves so there was a range of offers available to users. This also allowed them to already have data and insights on that brand when they approached them to partner with us.

They have lots of plans for what鈥檚 next. Without giving away all ideas, they are working on making their user experience even better and easier to use. They are pushing further into the world of AI, going above and beyond to let users access offers through TV or activated in store. Although the UK is the main focus for now they will be launching into new countries soon! They are going through rounds of investment funding which will allow them to expand operations and help enter into new markets.

Sustainability is an area that is very important to them. That鈥檚 why they have Green in the name. It鈥檚 one of their key values and something they live and breathe at GreenJinn.

They have done a lot this year from becoming a climate positive workforce, launching Go Green with GreenJinn initiatives and holding webinars challenging brands to partnering with The Felix Project to help reduce food waste. They want to continue to learn and share this with users. They want to improve and hit targets within their four sustainability pillars: Product, Partnerships, People and Planet. The main one being, they are working towards becoming a B Corp business.

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贵辞耻苍诲别谤(蝉):听Dr. Vic Arulchandran

奥别产蝉颈迟别:听

Description: Began as a blockchain focused fintech in investment banking business, but over 2016-2018 they actually issued the worlds first compliant tokenised bonds, equities and structured notes; creating the legal and technical precedent for tokenisation in UK and Europe.

About nivaura

nivaura was founded in 2016 as a blockchain focused fintech in investment banking. Between 2016 and 2018 they actually issued the worlds first compliant tokenised bonds, equities and structured notes; creating the legal and technical precedent for tokenisation in UK and Europe.

They were also the only company in the first five cohorts of the FCA Regulatory Sandboxes. They pivoted in 2018 after raising funding because they wanted to focus on a core SaaS product that banks can use today, which would generate recurring revenue, while continuing with the blockchain experimentation in PoC form separately. They deployed platforms to Santander, DBS Bank in Asia and the London Stock Exchange Group, to digitise and automate bond issuance.

What sets us apart from competitors is that they are the only fintech providing SaaS deployments in bank environments, where others are providing central platforms, which we believe will ultimately fail for several reasons, such as banks wanting to control and own the data they create, the need to tailor the solution and integrate with internal systems, and the desire for experimentation with blockchain transactions.

Another point to note is that SaaS platform sales in investment banking require at least 1.5-2 years to close, need multiple internal team sign offs, and the technology stack is significantly more complex than single, centralised competitor platforms.

One of their clients alone, DBS Bank, have transacted over SGD 3bn on their deployment of our SaaS platform, which far exceeds volumes on all our competitors platforms combined. They also weathered the storm of COVID and the current slump in the funding climate, and are raising another round at a higher valuation, while we rebuild their sales pipeline (since COVID put a stop to everything non-essential in banking) and close new deals.

They also conducted a pilot transaction with NatWest and Santander earlier this year for the first bond issuance using the Finality payment network to settle the payment.

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贵辞耻苍诲别谤(蝉):听Jimmy Williams & Greg Smyth

奥别产蝉颈迟别:听

Description: Urban Jungle is a fully digital insurance company that is focused on making the insurance industry fair.

About Urban Jungle Insurance

Urban Jungle is a fully digital insurance company that is focused on making the insurance industry fair (finally!). They鈥檙e doing this by using technology and data science to change the way fraud is screened for, allowing them to make insurance more accessible for genuine customers, whilst also helping them get a better deal.

They launched in 2016 because they knew the insurance industry is confusing, outdated, and filled with bad habits – and they decided they should fix it. This has meant taking a stand against sneaky practices like price walking, hidden fees and interest charges, and giving the customer a whole lot more respect. With the insurance industry being based around these as 鈥渢raditional鈥� parts of the business, it hasn鈥檛 been easy teaching an old dog new tricks!

To keep the customer at the core of everything they do, they鈥檝e made sure policies are simple and easy to understand. They know people are busy, so products are designed to be purchased quickly and managed entirely online – letting people get in, sort their insurance, and get on with their lives.

Their first product was Contents Insurance for renters, a group that, despite accounting for 40% of UK households, has traditionally been seen as 鈥渉ard to serve鈥�, leaving a third of households uninsured and vulnerable to financial shocks. This shocked them and they knew it needed to change, so they designed a product just for them.

Since launching their own label products in 2019, they鈥檝e grown to be one of the leading insurance brands in the UK for both renters and homeowners, having reached over 100,000 customers. All the while they鈥檝e made sure customer experience stays strong, maintaining an 鈥淓xcellent鈥� Trustpilot rating from over 5,000 reviews.

Earlier in the year, they closed a 拢16.5m funding round, bringing them up to a total of 拢32m raised. Growth is always on their minds, and this funding is a huge step in the right direction. Their long-term aim is to be the number one insurance provider in the UK and beyond. In the next year, they鈥檙e looking into new markets and products and are aiming to double their customer base – all whilst adding 100 new roles to their 50-strong team!

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贵辞耻苍诲别谤蝉:听Faris Yaghmour, Salem Abu-Hammour and Youssef Said

Website:

顿别蝉肠谤颈辫迟颈辞苍:听 erad is a Saudi-headquartered fintech startup dedicated to growing the Middle East鈥檚 digital economy, by offering a fast, flexible and easy alternative financing solution for online businesses across the GCC and the wider MENA region.聽

About erad

Through its secure, data-driven platform, erad evaluates the marketing, sales and accounting health of early-stage startups, unlocking non-dilutive growth capital offers and tailored insights to support scalability.

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贵辞耻苍诲别谤(蝉):听Ranbir Arora & Taras Polischuk

奥别产蝉颈迟别:听

Description: Oneday works by providing aspiring entrepreneurs with ready-to-launch ideas and matching them with wildly successful CEOs as mentors, a community of fellow founders, and all the content and tools they need to launch and fund their business

About Oneday

Oneday is a new EdTech platform helping aspiring entrepreneurs turn their passion into a business through expert-led coaching, community & content.

According to a recent survey, nearly a third of UK workers are considering changing jobs in 2022, but even more interestingly, in 2021 鈥榟ow to start a business鈥� was searched more than 鈥榟ow to get a job鈥�.

Oneday works by providing aspiring entrepreneurs with ready-to-launch ideas and matching them with wildly successful CEOs as mentors, a community of fellow founders, and all the content and tools they need to launch and fund their business. It was co-founded by Ranbir Arora and Taras Polischuk, both formerly from Sweatcoin, the health & fitness fintech app, and now are CEO and COO respectively for Oneday.

Oneday is also a champion of diversity, making entrepreneurship more accessible to everyone, irrespective of gender, ethnicity or background. In fact, 51 percent of Oneday鈥檚 founders are female, whilst 56 percent are ethnic minorities.

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顿颈谤别肠迟辞谤:听Mike Banyard

奥别产蝉颈迟别:听

Description: Using Ordo means reduced costs, immediate money transfer, automatically reconciled payments, improved invoice security, and happy customers.

About Ordo

Ordo makes it easier to both collect and receive payments.

Ordo is a market leading, FCA authorised (FRN 836070) encrypted request-for-payment service. They use technology from the Competition and Markets Authority鈥檚 and Government鈥檚 Open Banking to help business to connect with their customers, facilitating customer relationships and improving efficiency. Ordo allows companies to easily make, request and receive payments.

Using Ordo means overall costs are reduced, money can be transferred immediately and that customers are pleased with the service they have received.

Businesses of all sizes can benefit from using Ordo; whether they need, invoice bulk upload capability, API system integration or connectivity with Sage, QuickBooks or Xero. Ordo provides access to finances and instant notifications, making payment processes quick and easy.

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Founder: Robert Pasco

Website:

Description:IleeroPay is a technology company focused on creating platforms that connect people across the globe. They are creating user-focused solutions that includes; a mobile app and web based platform that enables remittance from the UK to other countries and tools needed by businesses/merchants to accept online payment and expand their reach to both local and international audiences.

About Plend

IleeroPay is a technology company focused on creating platforms that connect people across the globe. They are creating user-focused solutions that includes; a mobile app and web based platform that enables remittance from the UK to other countries and tools needed by businesses/merchants to accept online payment and expand their reach to both local and international audiences.

Their live product “Ileero Remit” August, 2021, helps facilitate instant global cash remittances that terminates to various financial instruments (bank accounts and mobile wallets). These remittances include
鈥� Customer to customer
鈥� Customer to Business
鈥� Business to Customer
鈥� Business to Business.

This seamless process is enabled and supported by robust high level API integrations, different layers of security measures that will prevent fraud, hacking etc. It is backed by stringent KYC/KYB checks to ensure all customers meet their identity thresholds as required by law.

Their product is extremely user friendly, has addon features tailored to meet various customer needs, e.g., functionalities that allow monthly mortgage payments, or wages from B2Cs, or any recurring payments.
Our product offers the best rates to all target countries thereby giving our customers the best value for their money.

The Market Problem
The world is fast becoming a global community, with immigration at its highest and global markets rising. Rise in economic immigration, expatriates, academic immigrants means that there in need for movement of money across different regions for family support, payments of academic鈥檚 fees, payment of merchandise, wages etc. World Bank statistics reveal that $20B is remitted annually from UK alone. This cash requires a platform and conduit that is user friendly, secure, fast, affordable, and efficient to provide that seamless transaction for businesses and individuals. Most customers have really struggled to find a service that meets the above requirements. Existing services were either too complex, time consuming and expensive. There was too much filling of forms, providing documents, lengthy queues at banking halls, and rates that make remittance very expensive. Delays in receiving cash was experienced and even loss of cash sent with no traceability. Threats of anti-money Laundering and terrorist funding also created the need for a very safe and secure cash sending platform, that will both identify, flag, and prevent financial malpractice within the remittance framework.

Their Solution
At ileero they have been able to fully understand this complex remittance problem, they have established the massive gap in the existing products and have developed an app that will extensively solve these problems. Their app enables their customers to complete their transactions instantly from the comfort of their mobile gadgets or computers in three simple steps. And just like that, they can avoid queues, unnecessary paperwork, save a lot of time, save even more money, and enjoy value for their money. Their bills can be paid on time, their family receive support instantly and right there a remittance revolution is created. The security features there-in can detect and block any forms of fraud.

The world is connected digitally now more than ever, and the pace is not reducing anytime soon. It is therefore essential to have products and services that can and will keep up. They believe technology now is and will always be the main factor to consider in any business. The uniqueness of their product exists in the fact that anyone anywhere can use it and they don鈥檛 have to be tech savvy.

Their Strength
Their market edge is in their technical superiority. They are able to build specific features for each target market, eg C2C, B2B, B2C and C2B. They can build a feature for mortgage, family support, wages etc. Competing products have just a one size fits all, leaving out potential customers. They believe in personalising their customer needs. Their security features and robust KYC/KYB means they can offer their customer higher sending limits. Also, their licensing and partnerships enable us access a massive number of corridors to serve a wide variety of target audience.

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贵辞耻苍诲别谤:听 Adam Greenberg and Tom Siche

Website:

Description: Nova Finance was founded by Adam Greenberg and Tom Sichel 鈥� two crypto enthusiasts who are aiming to use Defi to increase access to tools and financial opportunities that have typically been reserved for banks and other financial institutions, allowing us all to invest like a crypto professional.

About Nova Finance

The pair have already begun to realise their dream by launching Nova Finance in 2021 by securing a first round investment of $3million (when they only had initial plans for $1.7million) from some of the leading investment partners in the industry, and have been humbled by the support the community has shown the protocol.

A Solana-based DeFi, Nova Finance is a non-custodial asset management protocol. In short Nova Finance is an asset framework that allows people to access DeFi without having to having to learn complex cryptocurrency skills.

Within the product, users can create a portfolio of assets that auto-generate returns through yield strategies while auto-executing on investment strategies such as dollar-cost averaging, take profit calls and much more. They use an innovative Asset which is a new type of synthetic asset which uses Nova’s programmable management layer to give users increased control and accessibility to powerful asset management tools and are compostable and can be used across the entire Defi space.

Much of asset management is still a very manual process within DeFi and a great knowledge barrier exists for the many newcomers to the space. Nova believe the product they are building will help to eliminate these barriers and also help people to navigate the uncertain times, such as the current bear market, with the trust that they are investing in the smartest way possible

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Founder: Adam Rimmer and Ian Bartholomew

Website:

Description: 80% of the world鈥檚 catastrophic flood losses aren鈥檛 insured. That鈥檚 $58bn of uncovered damage 鈥� an amount that is set to increase over the coming decades. At FloodFlash, our mission is to help more people recover from catastrophe using simple, flexible parametric insurance.

About FloodFlash

One of the core challenges to providing flood insurance is establishing the value of damage that flooding might cause in order to set a price. FloodFlash turns the equation on its head. Rather than calculating damage after a claim, clients select payout values and trigger depths during the quote stage. FloodFlash installs a smart sensor at the client鈥檚 property. When the sensor installed at the client鈥檚 property measures flooding at the client鈥檚 selected depth, it sends the data to FloodFlash HQ and we pay the claim.

A typical commercial flood claim takes months to conclude, often resulting in significant stress and anxiety. We pay most claims within 48 hours. Earlier this year, we achieved a new record claim time during Storm Franklin. 5 hours and 36 minutes after the client鈥檚 trigger depth was reached, their full payout was in their bank. These rapid payouts help reduce claim values, speed up recovery, limit business interruption and vastly reduce the negative mental impact of flooding. After Tadcaster Medical Centre flooded during Storm Franklin, the surgery鈥檚 practice manager said: 鈥業t gave us confidence when we saw the waters rising, that even if it was only a little bit of work we needed to do, we would have the money to do it.鈥�

Since our launch in 2019, many clients that hadn鈥檛 flooded before were unsure what trigger depths and payouts would be best for them. To overcome this, we recently launched 鈥榮mart quote鈥�. Smart quote takes the characteristics of each client鈥檚 property and suggests trigger depths and payout values based on the client鈥檚 specific needs. It also produces insights as to how we arrived at those values. This provides a useful starting point for the broker and their client to set their triggers, as well as delivering invaluable data on the risk they are at from flooding. In the future, we plan to add to the insights available, using AI and machine-learning to make smart quote even smarter.

FloodFlash is now available through over 5,000 UK brokers, has helped clients survive through five major storm events, and has received endorsements from parliamentarians from both major parties. Having raised $15m in Series A funding earlier this year, we aim to continue growing the mass-market parametric flood category we have created. Our next stop is the US, where we are launching later this year.

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