Top FinTech Companies 2023 | Powderkeg
Top FinTech Companies 2023

Top FinTech Companies

Tech companies are reshaping the finance industry in 2023 with digital payments, blockchain, and AI-driven services, democratizing access and fostering financial inclusion globally.

Keep reading to learn who’s hiring, who’s trending, expert insights from executives in the FinTech industry, and more.

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Top FinTech Companies 2023
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Insights from the Community

Read insights from executives in the Powderkeg community about the biggest shifts, trends and opportunities in FinTech.
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Scott Case
Founder, Zettawatts
What are some of the biggest shifts, trends or opportunities you're seeing in Fintech?
Three areas of opportunity: climate finance, underbanked SMBs and disaster recovery/resiliency. Trillions of dollars in global GDP are going to shift from incumbent solutions to new innovations in each category. The biggest opportunity in each is to focus on reducing or eliminating friction in the flow of financial transactions.
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Summer Crenshaw
CEO, Maepop
What are some of the biggest shifts, trends or opportunities you're seeing in Fintech?
This biggest shift will be in personalization. AI is now allowing companies to deliver much more individually tailored experiences. Fintech will be at the center of a much-needed revolution in personalization. This will also lead to the democratization of finance with new products launched geared toward the average person, and not just for the wealthiest 10% of the economy.
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Carey Ransom
Managing Partner, BankTech Ventures
What are some of the biggest shifts, trends or opportunities you're seeing in Fintech?
One of the biggest shifts in fintech is a focus on the actual business models and types of revenue in a startup. In a growth-at-all-costs era, the market didn't distinguish the types and quality of revenue, margins and customer values, and that has shifted. Building a good, predictable and profitable business is important, and attractive. Not all fintech business models are created equal - SaaS, arbitrage, NIM, interchange, transactions - and values will be assigned accordingly.
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First Movers in Fintech

As our world has become increasingly digitized and globalized, fintech companies have taken over the role filled traditionally by large institutional banks. Instead, fast-moving fintech banks, fintech lending companies and other fintech financial services are the name of the game for new generations and digital natives.

As previously mentioned, before fintech companies took the main stage in our financial system, you had large institutional – and in some cases, centuries-old – banks running the show. But with the introduction of the internet, that all began to change in the late 20th century.

One of the first movers in the space with which most are undoubtedly familiar was PayPal, a company still making headlines today with its latest innovations and updates to its core services. Then came Square and Stripe in the late 2000s and Robinhood in the 2013 – three companies that completely shifted the trajectory of finance

Jack Dorsey’s Square and later competitors made it easier and faster for small businesses to make and receive digital transactions in-person by sliding cards in their proprietary square card reader. Today, the company is worth more than $100 billion.

Founded in Ireland, Stripe allows small e-commerce companies to collect digital payments via secure APIs online. Many of today’s largest direct-to-consumer brands’ payments are powered by Stripe. Now, Stripe is worth around $100 billion, similar to Dorsey’s Square.

Finally, through its mobile platform and application, Robinhood has made investing accessible to populations traditionally left out of the conversation. Their mission to “democratize finance for all” has certainly made an impact with more than 22 million users trading stocks and cryptocurrencies on the platform as of Q2 2021.

These fintech giants have dominated the last decade but it’s a new sector that’s gotten most of the attention the last year.

Jobs at Best Fintech Companies

Check out these opportunities at the top Fintech companies in the nation
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Strategy & Operations Associate
Earnin
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Senior Product Designer
Alto Solutions
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Technical Lead, Scala
TrueAccord
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Software Engineer
Bond
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Staff Software Engineer, Payments
Boulevard
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SMB Fraud & Underwriting Associate
Branch
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General Application
Braviant Holdings
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Staff Software Engineer (Backend)
Nova Credit
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Communications Specialist
Zirtue
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Fintech & Cryptocurrency

In 2008 Satoshi Nakamoto created a new currency called Bitcoin, which has resulted in an entirely new intersection and wave of innovation between finance and technology called cryptocurrency. And in the 2020s inspired by the advancements in computer science, many traditional banks and financial institutions have made the foray into cryptocurrency by allowing their customers to invest and save in the different models.

Founded in 2012 by Brian Armstrong, Coinbase has emerged as the leading exchange for cryptocurrencies large and small. In June 2021 they announced they had accrued more than 20 million users in the previous six months, for a total of almost 70 million individuals on the platform buying, selling and trading tokens.

As you’ll read, cryptocurrency is a growing movement within finance and demands your attention.

Fintech Companies That are Hiring

Check out these Fintech Startups that are currently hiring.
BillGO
Fort Collins - Consumers today struggle with a decentralized bill pay system that forces them to keep track of their bills and expenses. This has impacted both the consumer’s ability to achieve financial wellness and banks’ capacity to build engaging customer relationships. BillGO is a fintech trailblazer, offering an all-in-one bill management and payments platform that harnesses the power of speed, choice and intelligence to deliver modern bill payment solutions to financial institutions (FIs), fintechs, billers and consumers. Whether consumers access our technology directly or through their preferred financial services provider, BillGO’s platform enables them to pay their bills when and how they want, which can empower them to better meet their financial obligations, save money and improve their financial well-being.
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Nayax
Herzliya - Global fintech company providing merchant financial services to different retailers. Established in 2005, Nayax started as a cashless payment service and management solution provider for unattended retail. Over the years, thanks to our customer-first mindset and the ability to develop our offering in-house, the company evolved into an award-winning payment powerhouse. Today, Nayax boasts an international reach of 10 sales offices and over 45 distributors. We proudly serve customers across 65 countries, support more than 350,000 points of sale worldwide, accept 26 currencies, and partner with over 70 global financial institutions. Nayax is also a licensed payment institution in Europe. Our goal throughout the years has always remained the same - enabling merchants to grow their business at scale and with ease. To achieve this, our payment platform has consistently been ahead of the curve. From accepting any new form of payment, to continuously providing peace of mind with the strictest security certifications and a 24/7 monitoring. In addition to our payment-as-a-service platform, we continue to develop value-added services for our customers. From a consumer engagement solution to customized payment methods, an API suite, a mobile wallet app to a fully customizable management system. The result is an agile ecosystem that helps merchants improve their bottom line. As we continue to expand to new markets, our standard for innovative solutions, and exceptional customer service, remains high. We now offer the Nayax standard to industries such as unattended retail, retail, public transit, and electric vehicle chargers
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Braintree
Chicago - Braintree's payment platform provides all the tools online and mobile businesses need to accept payments. Providing the global commerce tools people need to build and grow businesses, Braintree’s global platform powers payments for thousands of online and mobile commerce innovators including Airbnb, Uber, GitHub, Facebook and Pinterest. Merchants in more than 40 countries across North America, Europe, Asia, and Australia can accept, split, and enable payments in more than 130 currencies. Braintree’s SDK powers PayPal, including PayPal One Touch™, Venmo, Apple Pay, Android Pay, credit/debit cards, and Bitcoin across any device. Braintree was acquired by PayPal in 2013.
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Trust & Will
San Diego - Trust & Will is an online service providing legal forms and information that makes creating estate planning easy, fast, and secure. It is not a law firm and is not a substitute for a lawyer’s advice about complex estate planning. The company is backed by some venture capital firms including Revolution’s Rise of the Rest, Western Technology Investments, Luma Launch, Halogen Ventures, and Techstars, as well as angel investors. Trust & Will was founded in 2017 and is headquartered in San Diego, CA.
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Step
Palo Alto - Step.com is the easiest way to learn your market value, whether you’re prepping for an annual review, negotiating a pay raise, or just curious from having been out of the job market. You’ll find out what other companies and hiring experts think of you, without having to interview or talk with a recruiter.
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Juniper Square
San Francisco - Juniper Square operates an online based platform for private equity firms to find, raise, and manage capital. It provides an easy-to-use software that streamlines fundraising, investment administration, and investor reporting. With Juniper Square, clients will improve investor satisfaction, boost fundraising productivity, and save time and money on investment operations. Adam Ginsburg, Alex Robinson, and Yonas Fisseha founded it in 2014, with its headquarters in San Francisco in California.
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Ontario Systems
Muncie - Ontario Systems is a web-based platform that allows healthcare organizations to manage revenue cycles and accounts receivables.
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The Future of Finance & Technology

It’s difficult to say exactly where the finance and fintech environments are heading. In the last few decades our world has seen so much change in the seemingly traditional space that makes even the simplest predictions challenging.

However, you can bet your bottom dollar that the advancement toward equal access and opportunity for all will only accelerate with the help of technology and computer science. Thanks in part to innovations made by pioneers in the fintech space like PayPal, Square, Stripe, Robinhood and Coinbase in addition to cryptocurrency and its contributors.

Keep reading to learn which fintech companies are poised to steal the show and where you may have the best opportunity to make a great impact on the future of finance.

If you’re already sold on fintech companies in the Unvalley, join Powderkeg’s free, AI-powered talent matching service that will pair you with employers that fit your unique needs in an organization. Join today!

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Today’s Fintech Wave

You’ve learned about the biggest fintech companies like PayPal, Square, Stripe, Robinhood and Coinbase, and their contributions to the fintech environment. But, there are so many more top fintech companies making waves in the space. They’re making financial products accessible to third world countries, improving financial literacy and education for women, and disrupting traditional financial systems with bold, new ideas and algorithms.

Let’s take a glance at the top fintech companies in 2020 and 2021 and how they might grow beyond this point.

First, one of the most watched trends in the fintech world has been buy-now, pay-later (BNPL) companies like Klarna and Affirm. Instead of users having to pay all of an item’s cost upfront, BNPL services allow them to receive the product with a promise of paying back the cost over the next few months. BNPL companies often partner with larger outlets like Amazon, Walmart and Target for access to exclusive access to their shops and customers.

Founded in Sweden, Klarna has made its way around the world. They offer both B2B options where large retailers can partner with the BNPL company or B2C feature, where individuals can simply download the mobile app or browser extension and make four monthly payments for products instead of paying the cost upfront.

On a related note, Silicon Valley-based Affirm offers similar services to its retail partners and individuals.

Just as BNPL options have swept Silicon Valley, so too has cryptocurrency.

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Cryptocurrency’s Role in Fintech

Shifting gears to the fast-moving cryptocurrency space, exchanges are positioned to witness incredible growth in the 2020s. Just as Coinbase has grown considerably in the last twelve months, Kraken & Gemini are right on its tail.

Headquartered in San Francisco, Kraken was one of the first companies to offer trading to crypto enthusiasts. The Winklevoss twins Cameron and Tyler, made famous from their legal battle with Mark Zuckerberg over the inspiration behind Facebook, started their own cryptocurrency exchange in 2014 to compete with the likes of Coinbase and Kraken.

Today, Coinbase, Kraken and Gemini lead cryptocurrency companies in terms of users.

As we look toward the future in finance and technology, it seems as if cryptocurrency will almost certainly play a role.