Business Ideas from the Most Innovative Fintech Companies

Finwin Technologies
Published in
5 min readJul 20, 2021


Page Description: If you are planning to start a fintech startup, these are the most innovative fintech companies to take inspiration from. We have curated the ideas from the best fintech companies for your startup idea.

Fintech is the future now. Fintech stands for Financial technology. It simply means the technology combined with finance. If there is a website that provides you the capability of transferring money to one person, it’s called a fintech company. Many people want to start a fintech startup. However, starting and managing a fintech company is not a piece of cake.

The two main things that you need to focus on are the idea and the execution which also includes development and marketing.

We have created a list of the best fintech companies and their business model. You can surely take inspiration from them and create one of the best fintech startups.

#1 Expense to Investment

One of the coolest fintech startups you can go with is related to savings and investment. People often spend a lot and invest less money. There are already many investment apps out there in the market. Acorns have done something unique here. It’s an app using which will invest the spare amount from your expense. For example, if you spend $86 on something, they will invest $4 or $14 depending on your configuration.

The fintech industry has a huge scope for investment apps. People have now understood the need for investment. Hence, you can surely do a similar thing.

#2 Financial Services and Banking services

If you want to create a decent financial product with a huge target audience, you can go with banking services. People are ready to try out the new product in the market. A good example here is PayPal or Payoneer. These companies were founded many years ago and there is still a lot of room left for creating one of the best fintech companies.

You can also offer other banking services such as international bank account, etc. Having the ability to create a virtual credit card that also provides rewards is a great way to kickstart your tech company.

#3 Insurance Products

The insurance industry is huge. Most importantly because of a lot of improvements left. You can also offer it as a service. The services industry is growing rapidly. Policybazar does a similar thing. They combine all the insurance whether it’s car insurance or home insurance from different provides and allow the users to choose the best insurance product.

It provides everything digitally. You can also start providing customer services. Having a technology company for insurance will be hard as there is a lot of effort required in sales and marketing.

#4 Credit Scoring

A credit score is important for getting a loan. Some of the top fintech firms have already been providing such services. Nova credit has done something very innovative here. It offers an alternative way for credit scoring. Here, one can see the score based on the social scoring and score given after analyzing all the peers

To start a fintech startup similar to this, you can take the background data of something and give a score to it.

#5 Blockchain

Now, it’s no secret that blockchain technology is growing at a tremendous speed and there are a lot of the best fintech companies who are creating the apps for the blockchain. Whether it’s about the crypto wallet or smart contract. Tenderly is a smart contract monitoring platform that you can use.

Other than this, one can do a lot of things in this field. One also goes with the same concept and creates a fintech startup based on peer-to-peer landing. This is yet another great idea you can go with for a fintech startup. There are already some of the top fintech firms doing this. Therefore, you will face decent competition here.

#6 AMC

AMC stands for Assets Management Company. There are many companies included here. This is the place where you manage the assets of any company. It’s more like a financial service but when you make everything online, it can be a great technology company you can start.

Blackrock, Vanguard are some of the examples here. You can also provide blockchain services here. It depends on how you want to shape your fintech startup.

Ideas and Execution

Now, the main thing to keep in mind while starting a fintech startup is the ideas and the execution. You need to ensure that you select the right idea and execute it in the best way possible. Execution mainly depends on the software development companies.

Therefore, you can select the best company that can do the job for you. You can surely go with Finwin Tech. We have been developing Fintech websites and apps for a long time. Our expertise will make your dream project come true.

Final Words

To conclude, these were some of the innovative and the best fintech companies with their business idea. Taking inspiration from them, you can surely innovate yourself and create a better startup. If you have the idea in your mind, you can contact us at Finwin Tech and we will help you to put your ideas into reality. This is how you can get started with ease. Make sure you have created a proper plan for your business and know how you can succeed in the fintech industry. You can surely take help from Finwin Tech. Contact us today and let’s see how we can get started with your project.


What is a Fintech start-up?

A fintech startup is a company where financial services or products are provided online. In most cases, there is decent funding needed for starting a fintech startup.

How do I start a Fintech Startup?

There are two major things you will need to start a fintech startup. At first, you need to come up with a great idea for your fintech company. Thereafter, you can contact Finwin tech for the software development process and make your company go online.

What are examples of Fintech?

Fintech can be anything that involves a financial element and it’s online. Banking services, digital wallets, etc are counted as fintech companies.

What exactly is Fintech?

A fintech is a short form for financial technology. If a transaction is made online, it comes in fintech services.



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