100 FinTech Disrupters: Vote

It’s time to help decide BusinessCloud’s 100 FinTech Disrupters ranking for 2020.

The annual ranking profiles the UK’s most innovative FinTech start-ups, scale-ups and established companies.

We have shortlisted around 250 firms for potential inclusion. The nation’s 100 FinTech Disrupters will be determined by a combination of reader votes and selections from an expert judging panel (available here).

You can cast your vote  until 23:59 on Sunday 6th September. Browse the shortlist below and vote for the company you believe to be the most innovative. 

The final 100 FinTech Disrupters ranking will be published online on September 28th and in the Q3 edition of our magazine in early October. Subscribe to our daily email tech innovation newsletter (just tick the checkbox when you vote) to be among the first to see the results.

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100 FinTech Disrupters shortlist

 

10x Future Technologies

London

Develops tech platforms underpinning digital banking

AccessPay

Manchester

Integration platform connecting businesses to financial systems

Aire

London

Credit assessment service that ‘reveals the bigger picture’

Airtime Rewards

Manchester

Rewards shoppers with mobile credit or data

Akoni

London

Automates the process of finding banks for SMEs

Algodynamix

London

Risk analytics platform for financial sector

ANNA Money

Cardiff

Business account and tax app for SMEs

Applied Blockchain

London

Builds distributed ledger applications and products

Arkera

London

Uses AI to extract local intelligence for hedge funds and banks

Atom Bank

Durham

Digital challenger bank

Azimo

London

Money transfer service

Bango

Cambridge

Mobile payments firm

Bankable

London

Banking as a Service for financial institutions, corporates and FinTechs

Bankifi

Manchester

Supplies services such as invoicing and accounting which banks can pass on to customers

BCRemit

London

Disruptive online money transfer platform

Bink

Ascot

Links payment cards to loyalty programmes

Blackbullion

London

EdTech for universities to streamline fund applications

Blue Motor Finance

Sundridge

Car finance company which transformed into a FinTech

Bought By Many

London

Helps people find insurance for the things they care about most

Broker Insights

Dundee

InsurTech connecting local independent brokers and insurers

Bud

London

APIs for high street banks

By Miles

London

Vehicle insurance based on how much they are driven

Capdesk

London

Digital tools for equity management and reporting

Capital On Tap

London

Tech platform and lender for businesses

Capitalise

London

Finance comparison platform for accountants

Cardstream

Taunton

Payment gateway offering tailored white-label solutions

Cascade50 – Sage Dashboards

Norwich

Cloud-based reporting for Sage 50cloud

Caspian

Newcastle

Automated risk investigation for financial services firms

Castlight Financial

Glasgow

Predicts customers’ future payment performance

CDL Group

Stockport

Insurance software house

Checkout.com

London

Online payment solutions

Chetwood Financial

Wrexham

Digital challenger bank

Chip

London

Automated savings app

ClauseMatch

London

Smart document management

ClearBank

London

Tech-enabled clearing bank

ClearGlass

London

Digital intermediary between asset managers and pension funds

ClearScore

London

Credit scores and reports

Cleo

London

AI chatbot which looks after consumers’ money

Cobalt

London

Tech for foreign exchange trades

CoinCover

Cardiff

Cryptocurrency protection firm

Coinfirm

London

Anti-money laundering for cryptocurrencies and blockchain

CoInvestor

Canterbury

Cloud solutions to digitise investment process

ComplyAdvantage

London

Data intelligence firm fighting financial crime

Countingup

London

Banking and accounting app for freelancers and SMEs

Cover.Net

Coleraine

Innovative insurance software

Credit Kudos

London

Challenger credit referencing agency

CreditLadder

London

Helps tenants add rent to their credit history

Crowdcube

Exeter

Crowdfunding platform

CUBE

London

Digital regulation platform

Currencycloud

London

Global payments platform

Currensea

London

Debit card for overseas payments

Curve

London

All-your-cards-in-one banking app

Cybertonica

London

Compliance and fraud detection tech

Cytora

London

AI-powered solution for commercial insurance underwriting

Dealtrak

Leeds

Connects automotive finance and insurance sector

Delio

Cardiff

Private asset platforms for leading financial institutions

DirectID

Edinburgh

Financial data insights

Disberse

Cardiff

Fund management platform for humanitarian aid and development

Donr

Newcastle

Text giving platform for charities

Dozens

London

Current account with savings tools and investments

Duesday

Liskeard

Payment collection solutions

EdAid

London

P2P lending and crowdfunding platform for higher education

Eigen Technologies

London

Unlocks value of qualitative data

Emma

London

Money management app

Encompass

Glasgow

Due diligence software

Epos Now

Norwich

Cloud-connected point-of-sale systems

Equiniti

Leeds

API-led consumer credit services

Essentia Analytics

London

Investment behaviour analytics software that helps investors ignore internal biases

ESTHER

Belfast

Pocket-to-pocket giving app

Everledger

London

Tracks diamonds throughout supply chain using blockchain

Evolution Funding

Chesterfield

Technology-led motor finance broker

Featurespace

Cambridge

Behavioural analytics tech for fraud and financial crime management

FibreCRM

Truro

CRM system for accountants

Fidel

London

API for linking bank cards to digital applications

Fidessa

London

Provides software to top financial institutions

Financial Software Ltd

London

Tech solutions for investment tax management

Finastra

London

Software for financial institutions

Fingopay

London

Biometric finger payment tech

First Derivatives

Newry

Analytics software

Fisc

Sheffield

Motor industry finance and insurance software provider

Fiskl

London

Mobile-first financial management platform

Flagstone

London

Cash deposit platform provider to UK wealth managers

Fleximize

Ipswich

Alternative finance provider

Float

Edinburgh

Cashflow software that automatically updates from accounting platforms

FloodFlash

London

Tech-enabled flood insurance provider

Fluidly

London

AI-driven cashflow management software

Flux

London

Receipts, rewards and loyalty that live inside banking apps

Form3

London

‘Payments As A Service’ technology provider

Fractal Labs

London

AI and cloud native financial services consultancy

FreeAgent

Edinburgh

Cloud-based accounting software

Freemarket

London

Platform for cross-border payments and currency exchange

Freetrade

London

Commission-free stock trading app

Friendlyscore

London

Empowers people to use digital data to improve their credit rating

Funderbeam

London

Funding and trading platform for start-ups

Funding Circle

London

P2P lender

Funding Options

London

Comparison site for business financing

Futrli

Brighton

Cash flow software for small businesses and advisers

Gala Technology

Wath-upon-Dearne

Behind SOTpay payment solution

GoCardless

London

Platform enabling businesses to take online direct debit payments

GoCompare

Newport

Financial services comparison website

GoHenry

Lymington

Children’s bank account and credit card

Gold-i

Guildford

Trading technology

GoodBox

Manchester

Tech for collecting contactless donations

Habito

London

Free online mortgage broker

Heliocor

London

RegTech solutions to fight fraud

Hello Soda

Manchester

Identity verification and fraud protection software

honcho

Durham

Reverse insurance auction site where insurers bid for your custom

Hood Group

Southend-on-Sea

Data and technology-driven insurance specialist

Infinox

London

Currency trading platform

Invstr

London

App for inspiring investors

iwoca

London

Automated credit lending facilities

Kalgera

London

Helping protect vulnerable people from financial scams

Kani Payments

Newcastle

SaaS platform for financial services businesses

Laka

London

Bike insurance that works around a community of users

Landbay

London

Buy-to-let mortgage lender

Lendable

London

Quick and easy access to loans

LendingCrowd

Edinburgh

FinTech lending platform

LendInvest

London

Mortgage lending disrupter

Lifecycle Software

Newbury

Billing, CRM and reporting software

Lifetise

London

Financial planning platform for big life events and COVID-19

Lightyear

Belfast

Accounts payable automation

LOQBOX

Bristol

Helps users save their way to a better credit score

Lower My Charges

Caerphilly

Low-cost financial advice including AllMyWealth tool

Lumio

London

Personal finance app

MarketFinance

London

Europe’s largest online invoice finance platform

Mishipay

London

Mobile self-checkout solution for physical retail stores

Modulr

London

Business payments tech

Mojo Mortgages

Macclesfield

Online mortgage broker

Monese

London

Digital challenger bank

Money Dashboard

Edinburgh

Money saving app

Moneybox

London

App which rounds up spare change from purchases and invests it

Moneyfarm

London

Online investment adviser

MoneySavingExpert

London

Free website helping consumers save on financial-related products

Moneyshake

Newcastle-under-Lyme

Car leasing comparison site

Moneysupermarket

Ewloe

Price comparison business specialising in financial services

Monzo

London

Digital challenger bank

My Digital Accounts

Wilmslow

Cloud-based contractor payroll and accounting software

Neotas

London

Due diligence for the financial services sector

Nimbla

London

Insurance platform protecting SMEs against insolvent customers

Nivaura

London

Automates issuance of financial instruments

Nivo

Manchester

Instant messaging and identity verification platform

NorthRow

Thame

Automates compliance checks

Nucoro

London

AI wealth management platforms

Nuggets

London

Login, payment and verification ID tech without sharing data

Nutmeg

London

Robo-advisor

Oakbrook

Nottingham

AI tech helping borrowers to access loans

OakNorth

London

Bank providing debt finance to SMEs

Omnio

London

Smart financial services

One Utility Bill

Newcastle

Consolidates household bills and enables payment to be split

Onfido

London

Document verification and facial biometrics technology

Opal Transfer

London

Money transfer service

Open GI

Worcester

Advanced insurance software

OpenGamma

London

Leader in derivatives analytics

OpenMoney

Manchester

Tech services including robo-investment

Openpayd

London

API-led banking and payment services

OpenWrks

Nottingham

Open banking technology

Opportunity Network

London

Deal sourcing network

Options Technology

London

Financial services and markets analytics

Ordo

London

Real-time bank transfers and invoice tracking

Oval Money

London

App to track spending and saving

Oxygen Finance

Birmingham

Early payment provider

Paid

Darlington

Automated procurement and payment services

Paybase

London

End-to-end solution for payments, compliance and risk

PayHere

Belfast

Toolkit for business payments

PaySend

London

International money transfer platform

Pebble

Newcastle

Cloud-based school fund software

Pennies

London

Digital charity box enabling shoppers to donate pennies

PensionBee

London

Online pension manager

Pikl

Norwich

Sharing economy insurance firm

Planixs

Manchester

Cloud-enabled solutions powering treasuries

Pledjar

Milton Keynes

App for donating spare change to charities

Plum

London

AI assistant which analyses your transactions

Plumerai

London

Behind Larq neural networks for efficient deep learning

Pockit

London

App-based banking solution

PremFina

London

Finance software for brokers

Prepaid Financial Services

London

Payment solutions including eMoney and wearables

Previse

London

AI platform enabling corporate buyers to pay suppliers instantly

Prodigy Finance

London

Student finance provider which assesses on future earning potential

Quantexa

London

Analytics technology to detect fraud

QuoteOnSite

Swansea

Quote and proposal management software

Radius Payment Solutions

Cheshire

Payment and fleet services company

Rapyd

London

Cardless financial network

Rebuilding Society

Leeds

Peer-to-peer lending platform for SMEs

Receipt Bank

London

Automated bookkeeping

Revolut

London

Digital challenger bank

Right Revenue

Saintfield

Forecasting and business analytics software

Ripe Thinking

Manchester

Niche insurance powered by real-time analytics

RoosterMoney

London

Pocket money app

Sage

Newcastle

Accounting software giant

Salary Finance

London

Improves wellbeing by helping employees out of debt and into saving

Samuel & Co. Trading

Watford

Artificial intelligence for market trading

Satago Financial Solutions

London

Online platform facilitating provision of invoice financing

Seedrs

London

Crowdfunding website

Senta

Bristol

Cloud software for accountants

Seopa

Belfast

Intelligent comparison solutions

ShareIn

Edinburgh

White-labelled crowdfunding solution

Skrill

London

Money-sending platform similar to PayPal

Snoop

London

Free app offering financial advice

Soar

Glasgow

Helps financial services companies join mobile revolution

Soldo

London

Prepaid business cards

Starling Bank

London

Digital challenger bank

SteelEye

London

Compliance technology and data analytics

StepLadder

London

P2P saving platform helping people get on property ladder

Suade Labs

London

RegTech platform used by major financial institutions

SumUp

London

Mobile payments tech

Sustainably

Edinburgh

Enables rounding up of purchases to benefit charities

Streeva

Guildford

Automates everyday processes by making transactions smarter

Syndicate Room

Cambridge

Crowdfunding website for ‘highly-vetted’ start-ups

TAINA Technology

London

RegTech for financial institutions

takepayments

Stockport

Card payment solutions

Tandem

London

Digital challenger bank

The House Crowd

Hale

P2P lending platform for developers and property owners

ThinCats

Ashby-de-la-Zouch, Leicestershire

FinTech lender for SMEs

Thought Machine

London

Building technology to revolutionise banking

Thyngs

Norwich

NFC technology for cashless payments

Ticketer

Hungerford

Technology-driven ticketing machines

Tickr

London

Investment app allowing users to back causes for social good

Tide

London

Mobile-first business banking

Touco

London

App to help people manage money with the help of carer or family member

Tractable

London

Automates damage assessment in insurance

Transferwise

London

P2P money transfer platform

TransFICC

London

eTrading solutions for fixed income and derivatives markets

True Potential

Newcastle

Investor and wealth management platform

TrueLayer

London

Open banking APIs

TruNarrative

Leeds

Financial crime detection and response

Trussle

London

Free online mortgage broker

UInsure

Manchester

InsurTech platform

Vestd

London

Employee share scheme platform

VibePay

London

eCommerce payment solution using open banking technology

Vizolution

Swansea

Remote video tech for financial services

Voxsmart

London

Compliance on corporate-issued mobile devices

W2 Global Data

Newport

RegTech behind compliance API for mobile and digital transactions

Wagestream

London

Offers employees access to their next wage

Waymark Tech

Thame

AI for regulatory analysis and compliance

Wealth Dynamix

London

Client management solutions for financial firms

Wealth Wizards

Leamington Spa

Makes financial advice affordable

Wealthify

Penarth

Online investment service

WeSwap

London

P2P foreign currency exchange

Whitehall Finance

Reading

Supply chain finance software provider

WorldRemit

London

Money transfer service for migrants

Yapily

London

Platform to better connect business and banks

Yielders

London

Islamic property crowdfunding platform

Yorkshire Payments

Brighouse

Payment tech solutions

Yoyo

London

Platform combining payment, loyalty and marketing

Zego

London

Provides insurance to gig economy workers

Zopa

London

P2P lender now moving into digital banking

Zuto

Macclesfield and Manchester

Online car finance and loans

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