Watch Out for the Top 10 Fintech Startups that Would Lead 2022

 Fintech startupsThe explosion of fintech startups is quite surprising as most financial institutions have made tech-driven changes.

Fintech is not only about finances now but it also involves several industries and sectors such as education, fundraising, investment management, retail banking, and nonprofit services. It also includes the developments and progress in the crypto market. To get a wide array of fintech startups and their services check out the article listing the top 10 fintech startups that would lead 2022. 

The financial service industry now continues to attract tech companies that transform how people and businesses save, spend, borrow and invest and this is also attracting funding that can be helped in the growth of the companies. As more and more companies pour into the fintech space, it can be tough to sift through them and identify the major players. The explosion of fintech startups is quite surprising. Most financial institutions such as banks have made tech-driven changes. This article lists the top 10 fintech startups that would lead 2022. 



Atom Bank is a mobile banking application that offers a range of personal and business banking products. Users can log in using face and voice recognition and receive support from a 24/7 customer service team. The application, available on iPad and iPhone devices, was launched in March 2014 and its operations are based in Durham, the United Kingdom. In 2017, Atom was named by LinkedIn as one of the UK’s top 25 start-ups and ranked 14th alongside companies such as Deliveroo, Uber, and Airbnb, and in 2019, Atom ranked second in business analyst Beauhurst’s list of 50 top fintech UK start-ups and scale-ups. It was the only company from outside London in the top 20 of the lists.




The blend is known for helping lenders streamline the customer journey for multiple banking products from application to closing with its cloud-based platform. It offers a Digital Lending Platform to acquire more customers, accelerate productivity, and enhance customer relationships. The blend has processed an average of over US$5 billion in transactions per day while maximizing operational efficiency. It offers a mortgage suite and consumer suite by leveraging technology, data, and service providers to deliver a seamless customer experience.



Founded in December of 2015 and based in Mumbai, India, ePayLater is a zero-cost credit solution for SMEs for purchasing their supplies. This solution is available to SMEs across physical and digital sales channels and empowers them to purchase inventory across product categories at the best available prices without being constrained for credit. It also helps reduce the trust deficit that typifies digital B2B commerce as buyer obligation to pay arises only after goods are physically received, with a further period of 14 days of interest-free credit.



Hyperface helps companies launch their credit card program in a matter of 4-8 weeks, as opposed to 18-24 months. Hyperface offers customizable SDKs and APIs to make people design the credit card program of the future for their customers. The startup’s key clients include eCommerce companies, neobanks, and fintech companies looking to offer credit cards to their customers. It earns its revenue via the pay-as-you-use pricing model. The company believes in empowering brands and fintech to offer banking products contextually to their customers. Its credit cards-as-a-service is a ready-to-go card platform for fintech looking to create a fantastic card experience.



KredX was started with the single mission of solving working capital challenges for businesses by utilizing an asset lying idle in its balance sheet in the name of accounts receivable. The KredX suite of products gradually evolved from an Invoice Discounting Platform catering to Working Capital requirements to solving bigger problems like early payments for corporate treasuries in the form of Early Payments Technology and Growth Capital solutions while fostering a thriving community of partners. Today, KredX is India’s leading integrated cash flow solutions provider helping enterprises & suppliers through innovative offerings while providing investors with an opportunity to earn high returns at low risk through an alternative short-term instrument.


Money View

Money View redefines financial inclusivity for a billion people. The company provides a Money Manager App that helps in tracking and managing clients’ expenses smartly. The App auto-tracks and organizes total spending, bills, and account balances to give a single real-time view of your overall finances. Along with the app it has Money View Loans which provides instant personal loans to underserved segments through a completely digital, easy-to-use platform. Its unique credit-assessment tool looks at more than just a credit score.



Paytm is a global Indian technology firm located in Noida that focuses on digital payment systems, e-commerce, and finance. Paytm is currently available in 11 Indian languages. It offers a web- and mobile-based platform for mobile recharges, money transfers, bill payments, trip reservations, hotel, and ticket bookings, booking cylinders, gold purchases, and contributions, among other things. It provides banking, credit cards, loans, and investment platforms for insurance, mutual funds, and other types of investments. The app is compatible with both Android and iOS devices.



Razorpay is the first full-stack financial solutions provider in India. They’re on a quest to improve the payment experience for more than 300 million people. They hope to make it possible for Indian businesses, large and small, to take payments online with little effort and maximum convenience. Razorpay has evolved from a payment gateway provider to a solutions-oriented company with a broad product suite for accepting and disbursing payments, as well as raising funds and parking money. In a nutshell, the corporation may be found in every nook and cranny of your organization that involves money.



Anyfin saw that very many people pay unnecessarily much interest and fees for their installments, credit cards, and personal loans. That’s where this company reaches out. With the help of smart technology and skipping unnecessary intermediaries, they were able to offer as low an interest rate as possible. And decided right away that they would always try to help you to a better economy. Anything claims to do this with a combination of AI and publicly available consumer data, and with additional information garnered through a photo of existing loan statements, including repayment history. This, it says, gives Anyfin a more complete picture than a credit score alone, which is likely the main data point used by the original lender.



The company pitches its offering as a universal login credential that will allow e-commerce sites to compete with Amazon’s speed. Bolt said that once shoppers sign up, including providing shipping and payment information, they can quickly log into any site using its software and complete a one-click purchase. Bolt’s product and the team have grown by leaps and bounds — raising US$215M in funding and growing by over 200 team members and 250+ retailers.


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