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