The Fintech Power 50 Annual 2025

WELCOME TO THE FINTECH POWER 50 2025

CONTENTS OUR PARTNERS S&W Partners LLP 4 DLA Piper 6 Started PR 9 Project Nemo 11 Fintech Circle 12 THE FINFLUENCERS David Birch 44 Tram Anh Nguyen 53 Susanne Chishti 33 Joanne Dewar 36 Theodora Lau 21 Jim Marous 41 Monica Millares 29 Chris Skinner 16 Kimberley Waldron 48 Ruth Wandhöfer 24 THE FINTECHS Abound 54 ACI Worldwide 25 Avaloq 17 Banking Circle 17 BPC 22 Burbank 25 Capitalixe 37 ClearBank 20 COLIBRIX ONE 28 DailyPay 38 Daon 34 DECTA 14 Ellipse World, Inc 32 Ecommpay 42 Encompass 37 Finley AI 45 Flagstone 52 Galileo 20 Incode 32 Jenius Bank 37 Juice 40 Jumio 18 KYCP 28 Mambu 52 Mangopay 50 MeaWallet 46 Moneyhub 25 OneSpan 45 OpenPayd 52 Orbital 54 Paymentology 45 PaySaxas 32 Personetics 20 Sikoia 26 Sumsub 40 SumUp 54 Truelayer 17 UniTeller Financial Services 30 Vennre 40 Vyntra 28

have had to adjust to tighter conditions and more selective dealmaking. Yet even in these tougher times, there are clear reasons for optimism. Digital assets and currencies attracted rising investment, with Circle’s successful IPO in New York showing there is still real appetite for breakthrough ideas. Regtech is gaining momentum as institutions look to lower costs. And above all, AI-enabled fintechs – whether born native to AI or adapting their existing platforms – are attracting fresh attention for their ability to drive efficiencies and open new possibilities. That sense of resilience comes through in this annual. You’ll find perspectives on how boards can accelerate growth, why cybersecurity has become a marker of trust and what international expansion looks like when done thoughtfully. There are reminders that culture and values matter as much as code and capital. And running through it all is a determination to keep building, despite the headwinds. The Fintech Power 50 has always been more than just a list. It is an annual guide to the most influential, innovative companies and visionary personalities shaping their industry. It is also a community, a place where founders, leaders and thinkers connect, share experiences and sometimes spark collaborations that move the sector forward. So, as you explore this edition, I hope you enjoy meeting the people and companies who make up the 2025 Fintech Power 50. Their stories show that even in uncertain times, progress comes from creativity, responsibility and ambition. Here’s to another year

One theme does stand out more than any other: artificial intelligence – no surprise, of course! What feels different this year is how deeply it is now threaded through day-to-day operations. Fraud checks running in seconds, digital onboarding measured in minutes, services that feel more personal and back-office tasks finally being lifted off teams’ shoulders. AI has become part of the fabric of how fintech works. Naturally, the questions come with it. Fairness, accountability, data security and trust are never far from the surface, and many of our members and finfluencers reflect on how the industry can use these tools responsibly. Just as important are the people skills that go alongside the technology: building teams who can apply it wisely and leadership that sets the right tone. The wider context, though, has not been easy. According to KPMG, global fintech investment in the first half of 2025 hit $44.7billion across 2,216 deals – the lowest six-month figure since 2020. Higher interest rates, political uncertainty and changing trade policies have made investors more cautious. Payments, once the sector’s star attraction, saw funding fall sharply. Fintech founders everywhere Putting together this year’s Fintech Power 50 has been a reminder of just how wide- ranging the fintech story has become. Our members are working on everything from faster payments and cross-border growth to stronger security and better governance. No two journeys are the same, but all of them tell us something about where finance is heading.

of fresh ideas, practical solutions and the kind of partnerships that keep fintech moving. Jason Williams, MD and Founder, The Fintech Power 50