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Fintech PDF

Fintech companies integrate technologies like AI, blockchain and data science into traditional financial sectors to make them safer, faster and more efficient. Some examples of Indian fintech unicorns (valued over $1B) include Paytm ($15B), PolicyBazaar ($1.5B) and Coinbase ($8.1B). Emerging areas include regtech which uses technologies to solve regulatory problems, and insurtech which provides innovative insurance solutions using technologies like peer-to-peer and AI-based chatbots. Overall, India has seen strong growth in fintech adoption and many startups addressing segments like lending, investments, payments and wealth management.

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Romit Patel
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174 views46 pages

Fintech PDF

Fintech companies integrate technologies like AI, blockchain and data science into traditional financial sectors to make them safer, faster and more efficient. Some examples of Indian fintech unicorns (valued over $1B) include Paytm ($15B), PolicyBazaar ($1.5B) and Coinbase ($8.1B). Emerging areas include regtech which uses technologies to solve regulatory problems, and insurtech which provides innovative insurance solutions using technologies like peer-to-peer and AI-based chatbots. Overall, India has seen strong growth in fintech adoption and many startups addressing segments like lending, investments, payments and wealth management.

Uploaded by

Romit Patel
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Financial Technology

Financial Management
Karmarajsinh Vala - 19531025

Neel Thakkar- 19531036


Members
& ID Romit Patel- 19531046

Hardik Acharya - 19531064


What is a Fintech Company

Fintech startups work on the intersection of finance and technology, helping to


bring efficiencies in the current process and also streamlining the distribution
chain of digital payments and transactions.
   
Fintech companies integrate technologies (like AI, blockchain and data
science) into traditional financial sectors to make them safer, faster and more
efficient.
    
It is one of the fastest-growing tech sectors, with companies innovating in
almost every area of finance; from payments and loans to credit scoring and
stock trading.
What is a Unicorn

A unicorn startup or unicorn company is a private company with a valuation


over $1 billion. 

As of March 2020, there are more than 400 unicorns around the world.
  
Variants include a decacorn, valued at over $10 billion, and a hectocorn,
valued at over $100 billion.
Current situation in India

India’s fintech segment has expanded by leaps and bounds .


    
The country’s adoption rate for fintech products stands at 59%, the second-
highest pace worldwide, and significantly higher than the global average of
33%, as per analysis by DataLabs by Inc42.  
PERSONAL FINANCE 1
NUMBRS

Valuation - $ 1 billion
It enables its customers to manage their existing bank
accounts and personal finances
Lets customer buy any financial product from every
provider at the best possible price
CREDIT KARMA

Valuation - $ 4 billion
Credit Karma  is a personal finance company that helps a
member to:
1. Monitor and improve credit health
2. Prepare and file income taxes
3. Monitor their credit identities
4. Track and manage vehicle information and financing
solutions
Credit Karma leverages advanced data modeling to
analyze and identify the best financial products available
for its members
WEALTH MANAGEMENT 2
ROBINHOOD

Valuation - $ 7.6 billion


Provides commission free trading of stocks, ETF's options
& crypto currencies
Offers a free stock of any company when you register on
their app as a new user
"Cash Management" feature pays 1.8% interest on
uninvested cash in your brokerage account
POLICY BAZAAR

Valuation - $ 1.5 billion


Policy Bazaar is an insurance aggregator
A platform where consumers could understand the tools
for insurance and a platform on which they could compare
products and choose the most viable option
Reliability and security are two pillars of the company, and
all communications are recorded for auditing purposes
ETMONEY

Consumers use ETMONEY to invest in Zero-commission


direct mutual funds for free
Protect their families with unique Insurance solutions
And use ETMONEY Credit Card to take instant loans at
low-cost
INSURANCE 3
LEMONADE

Valuation - $ 2 billion
Lemonade is Peer to Peer insurance company
Targeted at urban residents
Taking a flat fee, paying claims within minutes and giving
any leftover money to causes
Lemonade has an AI bot, Maya, integrated into its
messaging services to provide quotes and advice, allowing
customers to get insured in a matter of seconds
ACKO

Valuation - $ 300 Million


Acko is a tech-enabled automotive insurance company
providing low-cost insurance based on data analytics
Its insurance products include:
1. Car comprehensive insurance
2. Car third-party insurance
3. Bike insurance
4. Ola insurance
Offers cashless claims processing with doorstep pickup &
delivery services (for repairing of damaged cars)
REAL ESTATE 4
WEWORK

Valuation - $ 10 - 12 billion
WeWork is a company that rents office space to startups,
small businesses and large enterprises
WeWork’s business model take advantage of  people
analytics  and data collected about employee productivity
requirements and work habits
provide enterprise customers with new products  such as:
1. custom office space
2. software for booking conference rooms
3. software for analyzing data about  how people are using
WeWork resources
Makes real estate attractive with modern with amenities
such as Wi-Fi, desks, conference rooms, printing stations,
couches, custodial services and a reception area
NESTAWAY

Valuation - $ 200 - 300 million


NestAway provides home owners to list their properties
for rent and home seekers to find furnished homes
Their app provides furnished home bookings, services like
home cleaning, electric and plumbing checks, and more
They aim at providing better rental solutions with the help
of design and technology
CRYPTO/BLOCK CHAIN 5
COINBASE

Valuation - $ 8.1 billion


Coinbase makes it easy for the average person and
business to use the digital currency like Bitcoin, ethereum,
and litecoin
You can create a Bitcoin wallet and start buying/selling
Bitcoin instantly by connecting your bank account
Works in 190 countries worldwide
MONEY TRANSFER/ 6

REMITTANCE
TRANSFERWISE

Valuation - $ 3.5 billion


Transferwise is a money transfer service, offering over 750
currencies
Banks and other providers often add a mark-up to their
exchange rate while advertising low fees, which means
you could be paying huge hidden charges
TransferWise transparently displays its fee upfront and
deducts it before conversion
TransferWise works off of the bank transfer rate of the
day, offering the best possible rate
PAYPAL

Valuation - $ 113 billion


PayPal allows any business or individual with an email
address to securely, conveniently and cost-effectively send
and receive payments online
Global, real-time payment solution
You can send funds to anyone with an  e-mail address,
whether or not your recipient has a PayPal account
LENDING 7
AVANT

Valuation - $ 3.5 billion


Avant is an online lending platform that is the leading
provider of credit alternatives to middle income consumers
in the US & UK
Lowering the costs and barriers of borrowing for
consumers
Operates an online marketplace that provides users with
access to personal loans to consolidate debt, pay
unexpected medical expenses, and for family vacations
By using big data and machine-learning algorithms, the
company offers a customized approach to streamline credit
options
SOFI

Valuation - $ 4.3 billion


Leading online lender and the #1 provider of student loan
refinancing
The company now offers  student loan refinancing,
mortgage loans,  personal loans,  wealth management, and
life insurance
FAIRCENT

Valuation - $ 8 million
Connects lenders  who have spare money  to borrowers,
who want to borrow directly
No banks in middle
No massive overheads, or thousands of employees to pay
or hundreds of branches to maintain
Therefore Eliminates high margins of Intermediaries like 
banks &  other financial institutions
REGTECH 8
AYASDI

Valuation - $ 650 million


Ayasdi uses machine intelligence to solve a variety of
regulatory and compliance-related problems
Their solutions include an intelligent platform for Anti-
Money Laundering compliance, countering fraud by
automatically creating rules based on evolving data.
It also uses a Model Accelerator to assist in the creation of
financial models to measure risk
SIGNZY

Valuation - $ 18 million
Signzy provides cloud-based real-time authentication for
transactions using Artificial Intelligence
The platform allows for digital identification and
authentication while also providing additional background
information to clients
Signzy allows for faster KYC (Know Your Customer), AML
(Anti-Money Laundering) and CTF (Counter Terrorist
Financing)
PAYMENTS/BILLINGS 9
BILLDESK

Valuation - $ 2 billion
Billdesk works on the idea of easing bill payments     
Right from receiving bills, to remembering when to pay
them, to helping sort them, the entire process has been
made seamless by Billdesk
It gives an advantage of paying the bill at one click from
anywhere on the Billdesk platform
It’s SI-Hub helps consumers make recurring payments
using cards with a one-time enrolment
PAYTM

Valuation - $ 15 billion
Paytm is a digital wallet company     
It has forayed into different segments such as payment
gateway, payments bank, investments and more
Paytm’s platform is available in 11 Indian Languages
Through a QR code, a massive range of products can be
paid for through the platform to over seven million
merchants, from bills to shopping, through to parking,
pharmacies and educational institutions
MSWIPE

Valuation - $ 450 million


Mswipe develops point-of-sale (PoS) terminals for
merchants    
The company works with smartphones, tablets, computers,
and links to bank accounts
Mswipe’s biggest advantage has been cheaper terminals
than the competition and the ability to work on limited
internet connections, even 2G
POINT OF SALE PROCESS
WISEPOSE NEO
CAPITAL MARKETS 10
FINACLE

Finacle is the industry-leading universal banking solution


from EdgeVerve Systems
Finacle solutions address the:
1. core banking,e-banking
2. mobile banking
3. CRM
4. payment
5. treasury
6. liquidity management
7. wealth management and analytics need of financial
institutions worldwide
Finacle is the choice of banks across 94 countries
GUSTO

Valuation - $ 3.8 billion


Makes it easy for companies to stay on top of their
workforce's core HR needs
Powerful platform that  combines payroll benefits,
administration, HR & compliance functionalities in a
single simplified package
App delivers a solid set of payroll features, coupled with
unusually well designed user interface
Sources
https://fintechweekly.com/fintech-companies

https://www.cbinsights.com/research/report/fintech-trends-2019/

https://inc42.com/features/which-are-the-most-successful-fintech-startups-in-india/

PwC Global FinTech Survey 2017

https://www.fintastico.com/collections/fintech-unicorns/

https://www.nbc.org.kh/
Sources
https://www.fintechmagazine.com/top10/top-10-fintech-unicorns

https://startuptalky.com/

https://thefinanser.com/2019/02/39-fintech-unicorns-valued-147-37-billion.html/

https://www.bloomberg.com/quicktake/financial-technology-companies-disrupt-comfy-banks-
quicktake
https://builtin.com/fintech

https://www.crunchbase.com/organization

https://www.thestreet.com/technology/fintech-companies-14891479
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