The Fintech and the Future of Finance

Fintech is a broad category that refers to the innovative use of technology in the design and delivery of financial services and products. It has been around for decades, way before automatic investment and blockchain. Any device or technology that automates the execution of financial services falls into the category of Fintech. Fintech is used a lot today for anything in the intersection of finances and technology, which blurs the lines of the definition itself. Traditional financial services like investments, loans, bills, automatic payments, savings, etc. are made more accessible by Fintech companies. Additionally, it can serve as an interface for advanced financial procedures not related to traditional banking, including online crowdfunding or the purchase and sale of cryptocurrencies. These procedures are supported by a Fintech business, which also makes them possible.

The ongoing digitization of financial services and money creates opportunities to build more inclusive and efficient financial services and promote economic development. Fintech is transforming the financial sector landscape rapidly and is blurring the boundaries of both financial firms and the financial sector. FinTech encourages the use of digital technology in startups so that they can come up with innovative products and services, such as mobile payments, alternative finance, online banking, big data, Robo advisors, peer-to-peer lending, crowdfunding, and overall financial management.

That’s why we have made this special edition of Fintech providers. The magazine includes some of the innovators and the views of top-level tech experts and business executives. We hope this edition adds value to your Fintech initiatives.

Top 10 FinTech Innovators 2023

The impact of fintech in our everyday lives is unavoidable. To understand the depth of its impact, one simply needs to look at how things worked in the past versus now. It has been an ever-evolving concept since it saw the rise of the world’s first digital stock exchange and e-commerce businesses. Everything right from mobile banking apps to mobile payments apps, blockchain, cryptocurrency, stock trading, etc can be included in this fintech innovation.  In simple words, every business can use fintech for their services and enhance or automate their work and procedures. Along with this, more fintech (financial technology) companies are found to make financial services more accessible to the general public. Everything from those traditional financial transactions, such as investing, saving, and loan processing, are also included in these digital financial services. With the invention of mobile banking and digital payments, banks are more able than ever before to re-examine the customer journey against satisfaction metrics and provide customers with what they need.

Fintech may spur efficiency gains in the financial sector, offer better and more targeted products and services, and deepen financial inclusion in the developing world. However, it may also pose risks, if its application undermines competition, trust, monetary policy transmission, and financial stability.

To make this process more streamlined, our team of researchers, analysts, and Editorial team has shortlisted a set of companies that stand out from the crowd. The companies included in the list offer some of the most innovative as well as exclusive solutions that could create an impact in the Fintech sector.


Jack Zhang
Newyork, NY

Airwallex is the leading financial technology platform for modern businesses growing beyond borders. Leading companies around the world trust Airwallex to manage everything from payments, treasury, and spending to embedded finance -all in one single platform. The purpose is to connect entrepreneurs, business builders, makers, and creators with opportunities in every corner of the world.

AppTech Payments

Luke D’Angelo
Carlsbad, CA

AppTech Payments Corp. revolutionizes commerce experiences with its innovative Fintech platform, Commerse. Powered by a patent-backed technology, it offers seamless omnichannel CXS, enabling secure cross-border digital banking, text-to-pay, and merchant services. By unifying these features into a single stack, AppTech enhances operational efficiency and drives business growth.


Brady Harris

Dwolla is a fintech company helping innovative organizations power sophisticated account-to-account payment solutions. Dwolla’s robust platform, low-code API, and partnership ecosystem simplify the complex process of integrating with the various payment networks to create a single end-to-end solution. Integrating Dwolla’s modern payment technology gives a business the ability to program payments in real-time, on the same day or to a debit card 24/7.


Richie Serna
San Francisco, CA

Finix makes it easy for software platforms of all sizes to process payments while increasing revenue and reducing costs. Finix is trusted by startups and publicly traded companies alike to build and scale their payments infrastructure. Headquartered in San Francisco, Finix is a privately held company with funding from American Express Ventures, Bain Capital Ventures, Homebrew, Inspired Capital, Lightspeed Venture Partners, Sequoia Capital, Visa, and more.


Terry Sutherland, Founder, and CEO;
Victor Zvirzdys, Founder and CFO
Olympia, WA

ImageSource—is a pioneer in process innovation solutions. ImageSource is the manufacturer of ILINX, the world’s most-flexible process-improvement platform. The ILINX platform is an integrated, modular suite delivering process-automation solutions, allowing organizations to modernize at the businesses’ pace and priority.


Oded Zehavi
New York, NY

Mesh transforms the way finance teams operate with a centralized and automated spend platform. Mesh empowers finance managers with a whole new level of visibility over their entire business spend so they are equipped with all the insights they need to optimize and control their corporate payments.


Dan O’Malley
Boston, MA

Numerated is the fast-growing fintech making business banking easy for financial institutions and their clients. Banks and credit unions use Numerated’s digital lending platform to meet business expectations for digital convenience and to bring efficiency gains to their internal teams. The platform is unique in its use of data to streamline the origination of any business banking product, from application to decision to close.

Prime Trust

Tom Pageler
Summerlin, NV

Prime Trust is a financial technology company that offers a range of services in the fintech and blockchain space. Prime Trust provides various solutions, including custodial services, escrow services, AML/KYC compliance, payment processing, and asset tokenization.


Patrick Collison, Co-Founder & CEO
John Collison, Co-Founder & President
San Francisco, CA

Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world’s largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Headquartered in San Francisco and Dublin, the company aims to increase the GDP of the internet.

VIRTU Financial

Douglas Cifu
Austin, TX

Virtu Financial is a leading financial technology firm specializing in electronic market making and liquidity provision across various asset classes. Established in 2008, Virtu leverages advanced technology and proprietary trading strategies to provide liquidity to financial markets globally.