Our ones to watch from BusinessCloud’s 100 Fintech disrupters for 2019

Last week, BusinessCloud released their top 100 Fintech disrupters for 2019. The list, compiled by an independent judging panel and public vote, highlights the most exciting fintech companies of the year in one of the most comprehensive financial technology lists.

As you would expect, the list includes global giants such as Monzo, who recently hit three million users, to fast-growth startups such as StepLadder, who have quickly established themselves as financial property innovators and consumer champion.

We’ve looked at six of the most interesting disruptors on this year’s list.


A provider of online payment solutions enabling companies to accept more payments is London based business, Checkout. After raising $230 million in a recent funding round, taking its valuation to almost $2 billion.

The leading international provider can currently process over 150 currencies, and accept all international cards all through one bespoke integration.

The last three years have seen a rapid growth for Checkout. They have had offices open in USA, Berlin and Paris. This year saw Checkout enter its seventh year as a business and celebrated by increasing their employee numbers to over 300 across eight offices.

Checkout has a wealth of experience working alongside some huge global brands such as Deliveroo, Samsung and TransferWise.


A collaborative peer-to-peer deposit saving platform on a mission to help first-time buyers get onto the property ladder faster, by collaborating with like-minded savers.

The process is simple, yet so effective; using a ROSCA model, members are matched with one another based on deposit targets, and every month everyone in the ‘circle’ pays the same amount of money, with one individual awarded the total. This process continues every month until every person in the circle has been awarded their deposit.

With 87% of their members getting their property deposit faster than they would saving on their own, and group discounts with providers worth up to £1,500, it’s clear to see why StepLadder has made it to seventh in this year’s fintech 100 list.

You can listen to their podcast on Ten minutes with… here


Whilst financial technology is on the rise, unfortunately so are cyber-attacks. Currently, half of UK adults show signs of potential financial vulnerability with the UK population losing in the region of £1.2 billion to fraud and scams every year.

Kalgera was created with the idea that it could protect your loved ones’ finances at all times, no matter your circumstances. The secure FCA-regulated platform helps you spot unusual activity on any bank account and will send you notifications when it thinks there is something suspicious going on.


Effectively a digital upgrade of the traditional charity box, Pennies is the award-winning fintech charity making donations not only affordable but accessible too.

Pennies are helping to give your small change a big purpose which goes towards a meaningful difference. So far, over 75 million small change donations – which equates to £19 million – has been raised for UK charities by consumers giving pennies when using their card whilst shopping.


For most young people, investing in stocks and shares is seen as something you do later in life when you’ve got a little extra capital to spare.

Invstr is here to change that mindset; they want to help people overcome the knowledge and financial barriers to becoming confident investors. The award-winning app has been championed for its ‘play and learn’ approach and its fantasy finance game. The game sees you start with a virtual $1m, which you then invest and take (risk-free) risks.

Of course, you can invest real money if you wish too – from just $1 you can invest with the big hitters, without the big bank balance, allowing you to grab a slice of the companies you love, no matter the share price.


The decision intelligence company specialising in AI and network analytics. Working with Tier 1 customers globally, including HSBC. Quantexa empowers organisations to make better decisions through a greater understanding of context. Using dynamic entity resolution and advanced network analytics, Quantexa allows businesses to see the bigger picture and solve real-world challenges in financial crime, customer insight and data analytics.

The company has raised over $25 million in venture capital funding to date, and over the past 12-months, annual recurring revenue has grown over 400%. It has accomplished rapid global expansion, with over 200 staff across offices in London, New York, Boston, Toronto, Belgium, Singapore, Melbourne and Sydney.

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