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Funding and advertised pay are reported in USD; filed accounts retain their stated source currency and basis.

Exchange-rate basis

Indicative conversions use ECB reference rates dated 2026-09-14, applied consistently across all periods. They are not historical exchange rates. Indian rupees may use crore (1 crore = 10 million); other currencies use K, M and B. CSV downloads, source documents and quoted news headlines retain their original currencies.

THE THE UNITED STATES EDITION 2026

the United States’s
digital lending industry,
in focus.

The companies, capital and talent shaping digital lending in the United States. Find the leaders. Understand the segments. See where the activity is.

Explore in Radar Read the key signals
Snapshot: Funding in USD
Illustrated cover for Digital Lending Industry Landscape of the United States
US
COMPANIES · CAPITAL · TALENT

An industry ecosystem,
measured in context.

Digital Lending illustration
Companies tracked 3,684Digital Lending ecosystem in the United States Disclosed funding $106.09B766 companies · all recorded rounds Companies hiring 264With open roles at the snapshot Tracked open roles 8037 employers posted in the preceding 30 days
MEET THE COMPANIES

Explore the United States’s digital lending leaders

24 featured companies from the funding, hiring, revenue and team-size leaderboards.

Expand panel +
Explore the full landscape
Digital Lending company highlights in the United States, snapshot 30 August 2026
Company
Tauliataulia.com$6.22B—185—
Prosperprosper.com$5.49B—360—
SoFisofi.com$3.19B11 roles3,066—
Squaresquareup.com$2.71B—9,358—
LendingPointlendingpoint.com$2.52B———
Kabbagekabbage.com$2.28B—2—
Avantavant.com$1.97B—547—
Affirmaffirm.com$1.77B—2,171$1.11BFYFY2025 filing
ACE Cash Expressacecashexpress.com—11 roles2,528—
loanDepotloandepot.com—11 roles11,177Financial figure available in RadarView in Radar
AmeriHome Mortgageamerihome.com—10 roles863—
Equifaxequifax.com—10 roles1,691$6.07BFYFY2025 filing
Fay Servicingfayservicing.com—10 roles748—
GoodLeapgoodleap.com—10 roles945—
LendingTreelendingtree.com—10 roles870—
AmeriSaveamerisave.com——2,482—
Bankratebankrate.com——484—
Better Mortgagebetter.com——3,087—
Credit Karmacreditkarma.com——1,346—
Enovaenova.com——1,079$3.15BFYFY2025 filing
FICOfico.com——4,003$1.99BFYFY2025 filing
Lending Clublendingclub.com——1,194Financial figure available in RadarView in Radar
Movement Mortgagemovement.com——3,646—
Navientnavient.com——4,500—
24 featured companies

Locked revenue figures are available in Radar; the eight company financial previews stay the same throughout this page. A dash means the figure is outside these featured lists. Revenue years vary by company; the figures are not a like-for-like revenue comparison. Compare annual accounts ↗

Company discovery

Recorded evidence only
THE KEY SIGNALS

Digital Lending industry KPIs in the United States

A few useful ratios bring the size of this ecosystem into perspective.

30 August 2026
Hiring participation7.2%

264 of 3,684 tracked companies have open roles.

Funding participation22.7%

837 of 3,684 tracked companies have a recorded round.

Top 3 funding share14.0%

Share of disclosed capital received by the three largest recorded recipients.

Median disclosed round$10M

Midpoint of 1,657 rounds with a disclosed amount.

Scale is concentrated. Opportunity is broader. The three largest funding recipients hold 14.0% of disclosed capital, while 77.3% of tracked companies have no recorded funding round.

Explore the segments →
CAPITAL & COMPANY FORMATION

How the United States digital lending has grown

Recorded company formation and disclosed funding across the complete annual series shown.

Expand panel +
2016 — 2025

Disclosed funding by year

Sum of recorded funding rounds · USD

the United States digital lending
$0$5.43B$10.85B$16.28B$21.7B2016: $4.74B20162017: $11.4B20172018: $7.98B20182019: $12.34B20192020: $7.91B20202021: $19.04B20212022: $9.1B20222023: $5.68B20232024: $4.42B20242025: $5.13B2025
View the numbers
Annual digital lending funding and company formation in the United States
YearFunding (USD)FoundedRaising
2016$4.74B159121
2017$11.4B235127
2018$7.98B215144
2019$12.34B241139
2020$7.91B230160
2021$19.04B232175
2022$9.1B207161
2023$5.68B213105
2024$4.42B15091
2025$5.13B3299
WHERE CAPITAL SITS

Funding concentration

Share of all disclosed company funding.

  • Taulia5.9%
  • Prosper5.2%
  • SoFi3.0%
  • Other companies86.0%

Funding by stage

1,970 recorded rounds since 2016

NUMBER OF ROUNDS
Seed & Angel522 26.5%
Series A–B622 31.6%
Series C+ / PE208 10.6%
Grants, debt & other618 31.4%

Recent recorded rounds

Latest recorded rounds · USD
8 rounds

Swipe or scroll horizontally to browse.

Conventional Debt05/2026
Credibly $260M

Backed by Truist and Medalist Partners.

Series A05/2026
Exponentfi $7.5M

Backed by Chailease Holding and Andre Koo and others.

Conventional Debt05/2026
Parafin —

Backed by SVB and EverBank and others.

Series C04/2026
Kashable $60M

Backed by Goldman Sachs and Revolution and others.

Largest and notable recorded rounds

Each card is one recorded round
10 cards

Swipe or scroll horizontally to browse.

Series E09/2015
SoFisofi.com$1B

Backed by Third Point Ventures and Wellington and others.

Series F02/2017
SoFisofi.com$500M

Backed by Silver Lake and GPI Capital and others.

Series B02/2026
inKindinkind.com$450M

Backed by Matt Hulsizer and Vasanth Williams and others.

Series G01/2021
SoFisofi.com$369.84M

Participating investors were not recorded in this snapshot.

THE BUSINESS BEHIND THE ACTIVITY

Revenue, profitability & financial strength

Annual accounts for reporting companies linked to this landscape, on like-for-like currency and reporting bases.

Expand panel +
USD · millions · consolidated

Display conversions use the dated reference rates above. Where a verified rate is unavailable, figures retain their source currency. Each reporting cohort keeps its currency and accounting basis separate.

FY2025 · annual statements grouped by reported fiscal year; exact entity periods remain on preview rows · 11 reporting entities from 32 eligible matches.

Revenue in covered accounts$19,128.7m

Sum of reporting-entity revenue; not the United States market sales.

Net profit / loss$2,412.3m

Combined result for the same cohort.

Aggregate net margin+12.6%

Combined net income ÷ combined revenue.

Median company revenue$1,114.0m

The middle covered reporting entity.

Profitable entities+81.8%

9 of 11 covered entities.

Top-five concentration+88.4%

Share of covered revenue from the five largest entities.

Annual account trend

Reported cohort totals by year; coverage is stated for every period.

Bar height shows revenue. Changes in coverage can affect totals.

Profitability has two perspectives

FY2025 · 11 reporting entities

Open the company accounts

Up to eight fixed company previews show financial amounts. Search and sort the wider company list, then continue in Radar.

11 reporting entities
Continue your financial research in Radar

Explore full company accounts and filings.

View financials in Radar ↗
THE UNITED STATES · INDUSTRY COHORTS

How does digital lending compare?

Each pair uses the same year, currency and reporting basis. Cohort overlap is disclosed.

IndustryCovered / eligibleRevenue totalMedian revenueNet profit / lossAggregate marginProfitable shareOverlap

Available-account cohorts are not estimates of whole industries. Overlapping entities can occur in more than one cohort; do not add cohort totals.

Coverage, calculations & financial sources

Filed annual accounts for exact designated national identifiers. Every aggregate and peer pair uses one fiscal year, source currency and reporting basis; periods, coverage and overlap are explicit; 2026 partials are excluded.

The same up to eight reporting entities remain open across years, filters and sorts. Other company figures are available in Radar.

Source currencies and accounting bases stay separate. Missing accounts are excluded rather than treated as zero. Exact reporting periods appear on company previews. Annual totals can change with coverage and do not measure growth of a fixed company cohort.

DIGITAL FOOTPRINT

Web traffic, app reach and release cadence

How the the United States companies on this page show up online: the sites people visit, the apps they install, and how often those apps ship.

Busiest websites

98 of the 3,684 companies on this page carry a measured traffic record (2.7%); these are the largest of those, by monthly visits. The median among them is 494,556 visits.

CompanyMonthly visitsAuthorityMobile
Experianexperian.com47,700,0037684.2%
Credit Karmacreditkarma.com44,062,4677582.8%
SoFisofi.com40,135,3587285.4%
Affirmaffirm.com28,509,3296685.3%
Moneylionmoneylion.com27,576,3815298.4%
NerdWalletnerdwallet.com23,849,2727980%
Equifaxequifax.com11,525,3616974.5%
Rocket Mortgagerocketmortgage.com11,071,8736478.9%
TransUniontransunion.com10,697,4426879%
Selfself.inc8,410,2995297.6%

Visits and authority are third-party web estimates, not company-reported figures.

Most-installed apps

205 of these companies (5.6%) publish at least one Android app — 273 apps in all, carrying 209.7M installs between them.

AppInstallsRatingStore category
Intuit Credit KarmaCredit Karma60M4.7Finance
Experian®Experian20.6M4.7Finance
Affirm: Buy now, pay over timeAffirm17.3M4.8Shopping
EarnIn: Why Wait for Payday?Earnin11.4M4.7Finance
Brigit: Cash Advance & CreditBrigit9.8M4.8Finance
MoneyLion: Banking & Cash BackMoneylion9.2M4.5Finance
SoFi: Bank, Investing & CryptoSoFi6.7M3.8Finance
Sezzle: Buy Now, Pay LaterSezzle5.7M4.5Shopping
Kikoff - Build Credit QuicklyKikoff5.2M4.8Finance
Self – Credit Builder & CashSelf4.9M4.5Finance

Installs are lifetime totals to date at the June 2026 store reading — a measure of reach, not of people using an app today.

App reach by segment

The busiest app inside each of this page’s own segments, with the quarterly release trend behind it (2024Q1–2026Q2).

SegmentAppsInstallsLeading appRelease trend
Alternative Lending257209.2MIntuit Credit Karma 60M
Banking Tech5231.4MExperian® 20.6M
Payments3130.4MAffirm: Buy now, pay over time 17.3M
Data As A Service522.3MTransUnion® 1.7M
Hrtech2720.6MEarnIn: Why Wait for Payday? 11.4M
Finance & Accounting Tech1116.9MDailyPay On-Demand Pay 4.1M
Freelancer It311.6MBankuish 203.2K
In Store Retail Tech159.6MSezzle: Buy Now, Pay Later 5.7M

A company can carry several segment tags, so these rows overlap and should not be added together. Trend lines are zero-based and share one quarter grid, so a flat line is a quiet segment, not a missing one.

Release cadence by quarter

New apps published, beside apps whose most recent update landed in that quarter — the second bar is how much of the shelf is still being maintained.

2023Q2: 62023Q2: 12023Q22023Q3: 62023Q3: 22023Q32023Q4: 72023Q4: 02023Q42024Q1: 22024Q1: 22024Q12024Q2: 102024Q2: 02024Q22024Q3: 92024Q3: 22024Q32024Q4: 62024Q4: 62024Q42025Q1: 52025Q1: 162025Q12025Q2: 62025Q2: 52025Q22025Q3: 102025Q3: 192025Q32025Q4: 52025Q4: 192025Q42026Q1: 122026Q1: 322026Q1

Darker bars are new releases, lighter bars apps updated. 253 of 273 apps carry a release date. The series ends at 2026Q1, the last quarter that closed before the June 2026 reading.

INSIDE THE INDUSTRY

The the United States digital lending market map

Explore the segments behind the headline numbers.

Expand panel +

Where companies are building

Rank segments by scale, hiring or disclosed funding.

Fintech3,616
Nbfc lenders3,150
Consumer digital2,161
Enterprise tech1,881
Marketplaces1,160
Real estate financing tech766
Enterprise software481
Internet first residential mortgage providers362
Embedded finance274
Saas267
Cloud banking190
Fintech saas187

Companies can sit in several segments. Counts and funding overlap.

SEGMENT TO EXPLORE

Fintech

The largest measured segment in this report snapshot.

3616companies
7.2%have hiring activity

261 companies hiring · $103.98B disclosed funding

Explore in Radar

How companies make money

Common revenue models; a company can use more than one.

Commission on transaction2,931
Lending1,896
Subscription877
Fee-for-service688
E-commerce - service283
Advertising104
Interest62
E-commerce - product42
THE COMPANIES IN MOTION

Who is listing, hiring leaders, launching and winning work

Recorded corporate activity linked to companies in this landscape.

Expand panel +
Recent corporate headlines 10 dated reports
Funding roundskashable.com ↗

Kashable has now raised a total of $122.7M in total equity funding and is backed by EJF Ventures, Goldman Sachs Alternatives, and Revolution.

Funding roundsupstart.com ↗

Fortress has agreed to purchase up to $1.25 billion of consumer loans originated through the Upstart platform over the course of 15 months.

Mergers & acquisitionstargetedlending.com ↗

Targeted Lending represents a compelling strategic fit for Pioneer and advances our More Than a Bank® strategy by diversifying our income sources and launching a new national lending division focused on financing essential business equipment.

Mergers & acquisitionsoportun.com ↗

Bloch previously founded Digit, which was sold to Oportun for approximately $230 million.

Funding roundspipe.com ↗

Pipe, a fintech that provides customer-friendly embedded financial solutions for small businesses, announced a $16 million funding round today. The round was led by investors Fin Capital and MaC Venture Capital.

Funding roundsbraviantholdings.com ↗

Braviant Holdings, a Chicago-based technology-driven consumer lending platform has secured approximately $145m in committed capacity across two new revolving asset-backed credit facilities, alongside the renewal of an existing forward flow arrangement.

Mergers & acquisitionsreversefocus.com ↗

As part of the acquisition, Montesi will lead strategy and growth initiatives at Reverse Focus, including a redesign of ReverseFocus.com.

Mergers & acquisitionsmortgagecadence.com ↗

PartnerOne, one of the fastest-growing enterprise software groups worldwide, is proud to announce the official close of its acquisition of Mortgage Cadence.

Mergers & acquisitionstransunion.com ↗

TransUnion (NYSE: TRU) has successfully completed its previously announced acquisition of the mobile division of RealNetworks.

Full recorded event mix

Top 10 categories among 1,488 recorded events in the 24-month window.

Earnings
402
Leadership moves
310
Funding rounds
203
Mergers & acquisitions
162
New products
107
Contracts
62
Company announcements
52
Capital infusions
49
Lawsuit
35
Asset acquisitions
32
7 activity cards

Swipe or scroll horizontally to browse.

Leadership moves

111 tracked people moves

SoFi ↗
Vivian Tu

Appointment Chief of Financial Empowerment

Aura ↗
Brian DeCenzo

Promotion Chief Financial Officer and President

Equifax ↗
Navin Chandani

Appointment President of Equifax India & Emerging Markets

Oportun ↗
Doug Bland

Appointment Chief Executive Officer

Kikoff ↗
John Kaelle

Appointment Chief Financial Officer

Kikoff ↗
Robert Mahnke

Appointment Chief Legal Officer

Ralph Scannell Jr.

Appointment Chief Operating Officer

Splitit ↗
Nandan Sheth

Appointment Chief Executive Officer

Product launches

Products, platforms and features in the recorded window

TransUnion ↗
TransUnion Digital Business Profile

Product

Sunbit ↗
Sunbit financing on Stripe

BNPL / Consumer Financing

NetSol Tech ↗
Wholesale Finance System (WFS)

Finance platform

Kikoff ↗
Fynn

Credit Coach

firmly ↗
Firmly Connect

No-code onboarding platform

Credit Karma Home Loans

Mortgage Broker Services

FICO ↗
FICO® Score Credit Insights Lab

Platform

TransUnion ↗
AI Analytics Orchestrator Agent

Analytics Orchestrator

Contract wins

37 recorded customer wins

Customer: vivo nigeriaTechnology

Scienaptic ↗

Customer: members heritage credit unionBanking, Financial

MANTL ↗

Customer: Rhinebeck BancorpBanking

Customer: Fox Ridge CapitalEquipment Finance

Upstart ↗

Customer: Investor Group (Eltura Capital Management, LLC; Aperture Investors; co‑investors)Financial Services (FinTech)

NetSol Tech ↗

Customer: Automotive Finance

Regulatory events

9 recorded events

Aura ↗

review openedL’Autorité de la Concurrence

Plum ↗

approved for e-money licenceFinancial Conduct Authority (FCA)

Aura ↗

approved for listingU.S. Securities and Exchange Commission

Square ↗

conditional approval to create ILC banksFederal Deposit Insurance Corporation

Litigation

21 tracked suits

Company
raistone v first brands group

disappearance of assetsCivil · Filed

Company
BlockFi customers v blockfi

Investor lawsuitClass Action · Settled

Earnings pulse

Reported company results in the recorded window.

43companies
453period observations
20.0%median reported growth

Median across 308 reported growth observations; companies may contribute multiple periods.

Mergers and acquisitions

Company-linked deal reports; status is preserved as recorded.

Acquirer → targetStatusDateValue / context
zip→QuadPay ↗Announced2026-06-04Not stated in snapshot
phenom→Plum ↗Announced2026-05-01Not stated in snapshot
OppFi→BNCCORPAnnounced2026-04-29$130.0M
Pioneer Bancorp→Targeted Lending Co ↗Completed2026-04-24$140.0M
Oportun→digitCompleted2026-04-14$200.0M
Reverse Focus→Apiro MarketingAnnounced2026-04-06Not stated in snapshot

A discussion or rumour is not a completed transaction. An unstated value is not zero.

PEOPLE & OPPORTUNITY

The talent market

8,822 postings in the preceding 12 months. The full 12,320-posting snapshot covers 412 employers.

Expand panel +

Most advertised job titles

Sales Associate338
Loan Officer230
Financial Consultant191
Bilingual Sales Associate87
Mortgage Loan Officer82
Store Manager80
6 internship postings

354 tracked postings mention remote work.

The seniority mix

4,453 postings specify a level.

unspecified
7,867
manager
2,369
senior
1,445
lead
363
intern
156
entry
120

Skills employers mention

Top skills across 12,320 tracked postings in the available jobs snapshot.

Excel
306
Sql
226
Python
180
Microsoft Office
156
Word
140
Powerpoint
117
Outlook
108
Salesforce
100
Aws
92
Crm
84
ADVERTISED PAY$84.8K/ year

Median across 1,054 postings with pay data, expressed in USD.

Salary by seniority

manager$90.0K/ year259 postings
senior$135.9K/ year120 postings
lead$163.2K/ year45 postings

Advertised posting medians do not describe all employees or roles.

THE PEOPLE BUILDING THE FIELD

Founders and leaders

1,489 founders and chief executives across 1,137 companies.

Expand panel +
12 profiles

Swipe or scroll horizontally to browse.

Education networks

307 profiles with education records.

Stanford University
46
Harvard University
39
Harvard Business School
35
University of Pennsylvania
24
University of California (Berkeley)
23
Wharton School
20
Columbia University
19
Massachusetts Institute of Technology
17

Prior employers

77 profiles with prior-work records.

Microsoft
17
Goldman Sachs
15
Google
13
Morgan Stanley
9
Amazon
7
Paypal
5
Uber
5
Facebook
4

Profiles cover recorded founders and leaders; contact details remain in Radar.

NEWS INTELLIGENCE

How this industry appears in the news

919,834 articles in the measured 12-month window.

Expand panel +
919,834articles in the measured year
239,785articles in 2026Q1
64.2%positive tone in the latest complete year

News volume trends

Digital Lending coverage across United States · articles per complete quarter

093,154186,307279,461372,6152021Q2: 123,2602021Q22021Q3: 137,6042021Q4: 120,6752022Q1: 165,3672022Q2: 166,1142022Q22022Q3: 148,6632022Q4: 162,1082023Q1: 178,3212023Q2: 177,8702023Q22023Q3: 171,7922023Q4: 168,5782024Q1: 194,1322024Q2: 170,2412024Q22024Q3: 201,2472024Q4: 218,3222025Q1: 324,0132025Q2: 237,0172025Q22025Q3: 228,7332025Q4: 188,8262026Q1: 239,7852026Q1
View quarterly article counts
QuarterArticles
2021Q2123,260
2021Q3137,604
2021Q4120,675
2022Q1165,367
2022Q2166,114
2022Q3148,663
2022Q4162,108
2023Q1178,321
2023Q2177,870
2023Q3171,792
2023Q4168,578
2024Q1194,132
2024Q2170,241
2024Q3201,247
2024Q4218,322
2025Q1324,013
2025Q2237,017
2025Q3228,733
2025Q4188,826
2026Q1239,785

Article volume measures coverage, not market sales.

Tone of coverage over time

2021
276,500 positive · 5,602 neutral · 130,685 negative
2022
392,631 positive · 8,732 neutral · 239,853 negative
2023
426,590 positive · 10,401 neutral · 258,477 negative
2024
511,106 positive · 12,175 neutral · 259,603 negative
2025
627,785 positive · 16,102 neutral · 333,263 negative

Leading coverage topics

Digital Lending coverage across United States · ranked by full-period article count.

Cryptocurrency Impact On Forex Markets256,685 articles in the full recorded period
81,231 recent · 57,779 prior
Economic Indicators (Gdp, Cpi, Unemployment)85,368 articles in the full recorded period
23,344 recent · 21,792 prior
Trade Wars And Geopolitical Impacts83,564 articles in the full recorded period
27,512 recent · 23,590 prior
Interest Rate Decisions And Impacts72,480 articles in the full recorded period
18,840 recent · 16,113 prior
Central Bank Monetary Policy Announcements65,419 articles in the full recorded period
15,959 recent · 14,566 prior
Federal Reserve Policy Meeting Summaries64,366 articles in the full recorded period
16,609 recent · 14,246 prior
Global Recession Risks And Forecasts63,436 articles in the full recorded period
20,317 recent · 18,051 prior
Regulatory Compliance In Foreign Exchange Trading50,230 articles in the full recorded period
15,481 recent · 8,370 prior
Foreign Exchange (Forex) Rate Fluctuations49,040 articles in the full recorded period
15,924 recent · 11,344 prior
Quarterly And Annual Financial Results48,582 articles in the full recorded period
14,823 recent · 11,621 prior

Recent and prior counts use the source comparison windows.

Topics gaining and losing attention

Digital Lending coverage across United States

KeywordRecentPriorChange
stablecoin fx impact13,4346,005124%
stock price9,6914,500115%
etf trading8,2473,359146%
investment deal7,3751,414422%
etfs7,1692,969141%
decentralized forex6,9863,54997%
sector etfs6,8642,864140%
etf structures6,4212,622145%
etf products6,3392,481156%
share price5,7112,242155%
flood stage forecasting11910,236-99%
hydrologic risk modeling2610,145-100%
coastal flooding study1214,687-97%
flood control measures863,644-98%
severe weather warning3403,275-90%

Event and signal lenses

Digital Lending coverage across United States

All complete annual cohorts shown
Rising

Regulatory Risk

1,276,365 classified articles

economic slowdown, stock performance, currency intervention policies

49.0% critical · 33.8% positive
Rising

Funding Momentum

268,477 classified articles

inflation reports fx, currency intervention policies, trade deficits fx

37.5% critical · 48.9% positive
Rising

Growth

402,987 classified articles

gdp growth forex, inflation reports fx, trade deficits fx

43.1% critical · 39.1% positive

Digital Lending coverage across United States. Topic labels describe recorded classifications and can include broad context.

RESEARCH SIGNALS

What Digital Lending research is working on

907 papers in the recorded india scope.

Expand panel +
907papers
13,825worldwide comparison pool
907India-affiliated papers

Research orientation

Promising
328
Problem-identifying
180
Descriptive
177
Breakthrough
97
Cautionary
88
Comparative
24
Critical
13

Contribution mix

Empirical
377
Reviews
209
Methods-led
156
Position pieces
151
Theoretical
14

Tone counts: 834 positive · 6 neutral · 67 negative.

Common problems researchers identify
193 papers · 21.3% of this field
  • Financial services116 papers
  • FinTech75 papers
  • Financial inclusion37 papers
  • Payment21 papers
  • Data breach12 papers
  • Retail banking11 papers
  • Cryptocurrency10 papers
  • Investment10 papers

Landmark: Fintech and Financial Services : Initial Considerations

Cautions
88 papers · 9.7% of this field
  • Financial services51 papers
  • Financial inclusion22 papers
  • FinTech22 papers
  • Big data12 papers
  • Transformative learning12 papers
  • Payment11 papers
  • Corporate governance11 papers
  • Financial market10 papers

Landmark: The FinTech Opportunity

Opportunities
425 papers · 46.9% of this field
  • Financial services217 papers
  • FinTech120 papers
  • Financial inclusion82 papers
  • Payment58 papers
  • Database transaction46 papers
  • Transformative learning44 papers
  • Financial literacy34 papers
  • Transparency30 papers

Landmark: Fintech Adoption Drivers for Innovation for SMEs in Indonesia

Leading institutions

Columbia University
667
National Bureau of Economic Research
654
Cornell University
653
New York University
643
California University of Pennsylvania
623
International Monetary Fund
307

Leading researchers

Itay Goldstein
621
Wei Jiang
621
George Andrew Karolyi
621
Thomas Philippon
433
Andrei Kirilenko
214
Andrew W. Lo
214
Vikram Haksar
207
Dong He
198

Highly cited breakthrough-labelled papers

  • E.T.-RNN87 citations
  • Evolutionary Approaches and the Construction of Technology-Driven Regulations79 citations
  • Eagle Strategy Arithmetic Optimisation Algorithm with Optimal Deep Convolutional Forest Based FinTech Application for Hyper-automation32 citations
  • FinTech and consumers: a systematic review and integrative framework28 citations
  • Blockchain technology and real-time auditing: Transforming financial transparency and fraud detection in the Fintech industry12 citations

Common problems researchers identify

150 papers · 4 recurring themes
4 cards

Swipe or scroll horizontally to browse.

Regulatory Gaps in FinTechCommon problems researchers identify · 01

Regulatory Gaps in FinTech

55 papers

36.7% of this theme group

Researchers highlight how outdated regulations hinder technology-driven financial services and inclusion.

FinTech (41) · Financial services (40) · Financial regulation (7) · Financial system (4)

FINANCIAL INCLUSION THROUGH TECHNOLOGY: A REVIEW OF TRENDS IN EMERGING MARKETS

Enhancing public sector financial operations and inclusion through innovative Fintech solutions

View research history
YearShare index
2022245.3
2023251.7
2024240.7
2025249.6
Inclusion Barriers in Digital FinanceCommon problems researchers identify · 02

Inclusion Barriers in Digital Finance

42 papers

28.0% of this theme group

Studies point to persistent obstacles preventing underserved populations from accessing digital banking and payment tools.

Financial inclusion (16) · Financial services (29) · Retail banking (5) · Payment (7)

Leveraging Financial Inclusion Through Technology-Enabled Services Innovation

Digital Finance, Financial Inclusion and Gender Equality: Strategies for Economic Empowerment of Women

View research history
YearShare index
2022883.7
2023861.1
2024968.4
20251054.2
Fraud and Data Security RisksCommon problems researchers identify · 03

Fraud and Data Security Risks

33 papers

22.0% of this theme group

Papers discuss rising fraud, data breaches, and resilience challenges in cryptocurrency and mobile payment ecosystems.

Cryptocurrency (6) · Resilience (5) · Data breach (5) · Financial transaction (4)

Machine Learning Approaches for Fraud Detection and Risk Assessment in Mobile Banking Applications and Fintech Solutions

Combating Illicit Finance in Digital Payment Services: The Role of Data Analytics and Technology in Preventing Payment Fraud and Scams

View research history
YearShare index
2022187.0
2023177.3
2024122.5
2025199.7
Risk Management Integration IssuesCommon problems researchers identify · 04

Risk Management Integration Issues

20 papers

13.3% of this theme group

Research notes difficulties embedding advanced risk analytics and credit scoring within traditional financial institutions.

Financial services (16) · Leverage (3) · Risk management (2) · Financial risk (2)

Integrating Risk Management in Fintech and Traditional Financial Institutions through AI and Machine Learning

AI-Powered Credit Scoring: Scalable Big Data Architectures and Explainable Decision Intelligence for the Financial Sector

View research history
YearShare index
202277.9
202384.4
202479.2
2025150.7

Cautions

67 papers · 3 recurring themes
3 cards

Swipe or scroll horizontally to browse.

Crypto‑Lending Systemic ConcernsCautions · 01

Crypto‑Lending Systemic Concerns

24 papers

35.8% of this theme group

Authors caution that peer‑to‑peer crypto lending may amplify financial inclusion risks and market instability.

Cryptocurrency (5) · Mobile payment (4) · Financial inclusion (8) · Financial services (12)

Interdependence between online peer‐to‐peer lending and cryptocurrency markets and its effects on financial inclusion

Cryptography in Financial Markets: Potential Channels for Future Financial Stability

View research history
YearShare index
2022246.2
2023238.0
2024179.0
2025318.8
FinTech’s Systemic Risk PotentialCautions · 02

FinTech’s Systemic Risk Potential

23 papers

34.3% of this theme group

Works warn that rapid FinTech growth could introduce new systemic vulnerabilities despite sustainability promises.

FinTech (14) · Financial services (13) · Systemic risk (4) · Big data (5)

FinTech and Sustainable Finance: How is FinTech Shaping the Future of Sustainable Finance?

The Complex Implications of Fintech for Financial Inclusion

View research history
YearShare index
2022182.3
2023175.6
2024135.0
2025240.2
Bias and Transparency in AI FinanceCautions · 03

Bias and Transparency in AI Finance

18 papers

26.9% of this theme group

Scholars stress the need for responsible AI use to avoid bias and ensure openness in financial services.

Financial services (13) · Transformative learning (5) · FinTech (8) · Transparency (4)

Artificial Intelligence, Machine Learning, and Bias In Finance: Toward Responsible Innovation

Unleashing the Power of AI in Financial Services: Opportunities, Challenges, and Implications

View research history
YearShare index
202271.3
202398.3
2024120.6
2025241.2

A further 2 papers sit in smaller themes.

Opportunities

314 papers · 6 recurring themes
6 cards

Swipe or scroll horizontally to browse.

Mobile Solutions for InclusionOpportunities · 01

Mobile Solutions for Inclusion

82 papers

26.1% of this theme group

Research highlights mobile payments and literacy programs as key levers for reaching unbanked communities.

Financial inclusion (52) · Mobile payment (16) · Financial literacy (21) · Financial services (44)

Advancing financial inclusion through fintech: Solutions for unbanked and underbanked populations

The Role of Financial Technology (FinTech) in Advancing Financial Inclusion and Equity.

View research history
YearShare index
2022115.8
2023142.0
2024128.5
2025265.9
FinTech‑Driven InnovationOpportunities · 02

FinTech‑Driven Innovation

60 papers

19.1% of this theme group

Papers explore how digital platforms are reshaping payments, services, and overall financial industry transformation.

FinTech (40) · Financial innovation (9) · Financial services (26) · Payment (12)

FinTech and Financial Innovation: Drivers and Depth

Digital Transformation in Financial Services and FinTech: Trends, Innovations and Emerging Technologies

View research history
YearShare index
2022878.2
2023857.4
2024965.4
20251051.1
AI‑Enabled Sustainable FinanceOpportunities · 03

AI‑Enabled Sustainable Finance

56 papers

17.8% of this theme group

Studies examine artificial intelligence’s role in creating greener, more resilient financial technologies.

Financial services (35) · Transformative learning (13) · Financial market (7) · Systemic risk (4)

Empowering Financial Services: The Transformative Impact of AI on FinTech Innovation

Leveraging Artificial Intelligence and Machine Learning for Sustainable Financial Technologies: Innovations, Challenges, and Future Prospect

View research history
YearShare index
202259.0
202382.2
2024256.7
2025191.7
Predictive Analytics for ScalabilityOpportunities · 04

Predictive Analytics for Scalability

56 papers

17.8% of this theme group

Research shows advanced analytics and cloud computing can scale risk evaluation and market forecasting.

Financial services (31) · Analytics (11) · Scalability (9) · Leverage (7)

Transforming financial services through predictive analytics and banking systems integration

Deep Learning Architectures Deployed on Cloud Platforms for Dynamic Financial Risk Evaluation and Market Prediction

View research history
YearShare index
2022133.6
2023142.7
202489.7
2025192.5
Blockchain for TransparencyOpportunities · 05

Blockchain for Transparency

30 papers

9.6% of this theme group

Works propose blockchain as a tool for real‑time auditing, fraud detection, and global financial integration.

Blockchain (11) · Cryptocurrency (10) · Digital currency (8) · Currency (6)

Blockchain technology and real-time auditing: Transforming financial transparency and fraud detection in the Fintech industry

Blockchain Technology for Financial Services & Globalization

View research history
YearShare index
2022905.6
2023967.4
2024915.8
20251033.4
Deep Learning in Fraud DetectionOpportunities · 06

Deep Learning in Fraud Detection

30 papers

9.6% of this theme group

Papers demonstrate deep‑learning models improving detection of credit card fraud and related financial crimes.

Credit risk (10) · Credit card fraud (5) · Database transaction (9) · Credit card (5)

Deep Learning in Financial Fraud Detection: Innovations, Challenges, and Applications

Application of Deep Learning in Financial Credit Card Fraud Detection

View research history
YearShare index
2022207.4
2023187.5
2024108.0
2025205.7

How this field compares with the research baseline

Orientation shares compared with 25,000 papers in the reference sample.

Research orientationThis fieldReference sample
Promising36.2%37.5%
Problem-identifying19.8%9.9%
Descriptive19.5%17.7%
Breakthrough10.7%25.9%
Cautionary9.7%4.3%
Comparative2.6%3.7%
Critical1.4%0.9%

Concerns receiving less research attention

Counts and shares refer to the stated research pool. A low count describes how much of that research is recorded here, not the absence of a real-world concern.

Concern / example paperPapersShareRaised as a problemWorldwide share
Privacy & surveillanceSecurity and Privacy in FinTech121.75%7 (58.3%)0.91%
Bias & fairnessDigital Finance, Financial Inclusion and Gender Equality: Strategies for Economic Empowerment of Women30.44%2 (66.7%)0.1%
Concentration of compute powerModerating effect of fintech adoption on market power and bank stability Nexus: Indian evidence30.44%0 (0.0%)0.26%
Energy & datacenter footprintAccelerating agricultural green development in ASEAN: The power of digital inclusive finance20.29%0 (0.0%)0.23%
Carbon & emissions of computeRethinking portfolio design with sustainable AI and FinTech: dynamic spillovers in a quantile–frequency framework10.15%0 (0.0%)0.01%
Labour & data workEnsuring financial inclusion through platform design: Technical frameworks for inclusive growth in the digital labor eco10.15%0 (0.0%)0.04%
Safety & misuseBridging Misinformation Gaps: A Framework for Enhancing Trust and Financial Literacy in Microinsurance Adoption among Sm10.15%0 (0.0%)0.08%
Water use00.0%0 (%)0.0%
Hardware, e-waste & supply chain00.0%0 (%)0.0%

Institution and researcher rankings use citations to their covered work. Research scope: United States. This may be broader than the company geography.

DEMAND, SUPPLY & PLACE

Where demand signals run ahead of mapped supply — the United States

Compare demand signals in the United States’s newsflow with the digital lending categories mapped to each signal.

Expand panel +
HOW TO READ THE GAP

Signal percentile − supply percentile = gap in percentile points. Positive gaps highlight questions to investigate. A high signal can reflect spending pressure or access friction, as well as potential demand.

The comparison is relative to the signal families on this page. A supply percentile of zero means the lowest relative reading, not zero companies. It is a prioritisation clue, not measured market size or unmet demand.

COMPARISON PERIOD2025-07-01 to 2026-07-01Against 2024-07-01 to 2025-07-01Explore the signals ↓

The opportunity, in one view

Signal and mapped-supply percentiles, their gap, and change in the signal’s article share.

Swipe horizontally to compare all columns →

8 the United States demand signals compared with mapped digital lending supply
Signal familySignal percentileSupply percentileRelative gapGap (points)Signal share vs prior year
Layoffs & income shocks ↗Spending Pressure85.750.0+35.7+57.7%
Financial inclusion ↗Demand Driver14.30.0+14.3+43.3%
Lending & credit access ↗Demand Driver35.750.0-14.3+51.2%
Interest rates & policy ↗Macro Pressure50.0100.0-50.0+30.1%
Market volatility ↗Macro Pressure57.1—No matching category—+53.2%
Crypto & digital assets ↗Adoption Shift42.9—No matching category—+35.5%
Fraud, scams & consumer trust ↗Trust Friction71.4—No matching category—+92.6%
Data & privacy regulation ↗Compliance Pressure42.9—No matching category—+55.4%

Showing all 8 signals. Select a family for its history and mapped categories.

Where the signals are loudest

All 12 city readings for these demand families in the comparison geography. the United States is highlighted.

Mentions per 10,000 articles

Each city’s reading is a share of its own coverage.

Utah163.8

Crypto & digital assets · Market volatility · Interest rates & policy

Oklahoma145.9

Crypto & digital assets · Layoffs & income shocks · Market volatility

Tennessee125.0

Interest rates & policy · Layoffs & income shocks · Market volatility

Connecticut78.6

Layoffs & income shocks · Crypto & digital assets · Fraud, scams & consumer trust

Oregon76.8

Layoffs & income shocks · Interest rates & policy · Fraud, scams & consumer trust

Arizona74.6

Layoffs & income shocks · Interest rates & policy · Market volatility

Arkansas72.8

Layoffs & income shocks · Lending & credit access · Interest rates & policy

Iowa60.4

Layoffs & income shocks · Fraud, scams & consumer trust · Interest rates & policy

Kentucky58.6

Layoffs & income shocks · Lending & credit access · Financial inclusion

Delaware56.9

Crypto & digital assets · Layoffs & income shocks · Fraud, scams & consumer trust

Louisiana56.1

Interest rates & policy · Layoffs & income shocks · Crypto & digital assets

Kansas54.5

Layoffs & income shocks · Lending & credit access · Interest rates & policy

Inside the leading signals

Open any signal for its quarterly history
SPENDING PRESSURELayoffs & income shocks+35.7percentile-point gap
THE OPERATING HYPOTHESIS

Layoff cycles can pull discretionary spend back toward value offerings.

24.69mentions per 10,000 articles+57.7%share change vs prior year

Mapped digital lending categories

  • Nbfc Lenders3,150

Companies can appear in multiple categories; these counts are not a unique-company total.

Quarterly share of the United States coverage

Mentions per 10,000 articles · zero baseline

091827362024Q3: 152024Q32024Q4: 142024Q42025Q1: 132025Q12025Q2: 192025Q22025Q3: 242025Q32025Q4: 312025Q42026Q1: 192026Q12026Q2: 242026Q2
View quarterly signal counts
Layoffs & income shocks in the United States coverage
QuarterMentionsPer 10,000 articles
2024Q3269215.79
2024Q4265714.98
2025Q1345713.81
2025Q2305519.17
2025Q3668724.54
2025Q4376131.16
2026Q1284319.69
2026Q2188524.49

Where this signal concentrates in the comparison geography

Tennessee44.9 / 10,000
Arkansas41.1 / 10,000
Iowa26.8 / 10,000
DEMAND DRIVERFinancial inclusion+14.3percentile-point gap
THE OPERATING HYPOTHESIS

Inclusion pushes can pull low-cost payment and credit rails toward new users.

0.54mentions per 10,000 articles+43.3%share change vs prior year

Mapped digital lending categories

  • Embedded Finance274

Companies can appear in multiple categories; these counts are not a unique-company total.

Quarterly share of the United States coverage

Mentions per 10,000 articles · zero baseline

000112024Q3: 02024Q32024Q4: 02024Q42025Q1: 02025Q12025Q2: 02025Q22025Q3: 02025Q32025Q4: 02025Q42026Q1: 02026Q12026Q2: 02026Q2
View quarterly signal counts
Financial inclusion in the United States coverage
QuarterMentionsPer 10,000 articles
2024Q3700.41
2024Q4640.36
2025Q11050.42
2025Q2440.28
2025Q3970.36
2025Q4750.62
2026Q11120.78
2026Q2450.58

Where this signal concentrates in the comparison geography

Kentucky7.9 / 10,000
Oregon4.7 / 10,000
DEMAND DRIVERLending & credit access-14.3percentile-point gap
THE OPERATING HYPOTHESIS

Credit demand can pull origination, underwriting and collections capacity with it.

4.75mentions per 10,000 articles+51.2%share change vs prior year

Mapped digital lending categories

  • Nbfc Lenders3,150

Companies can appear in multiple categories; these counts are not a unique-company total.

Quarterly share of the United States coverage

Mentions per 10,000 articles · zero baseline

023562024Q3: 32024Q32024Q4: 22024Q42025Q1: 22025Q12025Q2: 42025Q22025Q3: 42025Q32025Q4: 52025Q42026Q1: 52026Q12026Q2: 52026Q2
View quarterly signal counts
Lending & credit access in the United States coverage
QuarterMentionsPer 10,000 articles
2024Q35463.2
2024Q44912.77
2025Q16842.73
2025Q26604.14
2025Q311474.21
2025Q46415.31
2026Q17455.16
2026Q23885.04

Where this signal concentrates in the comparison geography

Wisconsin16.6 / 10,000
Kansas13.8 / 10,000
South Carolina10.0 / 10,000
MACRO PRESSUREInterest rates & policy-50.0percentile-point gap
THE OPERATING HYPOTHESIS

Rate moves can reprice every loan book — lending and deposit products feel it first.

27.89mentions per 10,000 articles+30.1%share change vs prior year

Mapped digital lending categories

  • Nbfc Lenders3,150
  • Internet First Residential Mortgage Providers362
  • Cloud Banking190

Companies can appear in multiple categories; these counts are not a unique-company total.

Quarterly share of the United States coverage

Mentions per 10,000 articles · zero baseline

0132639522024Q3: 252024Q32024Q4: 212024Q42025Q1: 142025Q12025Q2: 282025Q22025Q3: 202025Q32025Q4: 442025Q42026Q1: 242026Q12026Q2: 322026Q2
View quarterly signal counts
Interest rates & policy in the United States coverage
QuarterMentionsPer 10,000 articles
2024Q3428025.11
2024Q4385821.76
2025Q1354914.18
2025Q2454728.53
2025Q3571220.96
2025Q4542444.94
2026Q1347424.07
2026Q2253232.89

Where this signal concentrates in the comparison geography

Tennessee47.4 / 10,000
Louisiana20.9 / 10,000
Arizona18.9 / 10,000
MACRO PRESSUREMarket volatility—supply not mapped
THE OPERATING HYPOTHESIS

Volatility can drive trading, hedging and advice-seeking in the same week it spikes.

12.7mentions per 10,000 articles+53.2%share change vs prior year

Mapped digital lending categories

This signal has no matching category in the page’s digital lending market map, so no supply percentile or gap is assigned.

Quarterly share of the United States coverage

Mentions per 10,000 articles · zero baseline

061319252024Q3: 52024Q32024Q4: 52024Q42025Q1: 72025Q12025Q2: 152025Q22025Q3: 62025Q32025Q4: 172025Q42026Q1: 162026Q12026Q2: 212026Q2
View quarterly signal counts
Market volatility in the United States coverage
QuarterMentionsPer 10,000 articles
2024Q39775.73
2024Q410255.78
2025Q118767.5
2025Q2240115.06
2025Q316846.18
2025Q4207617.2
2026Q1235416.31
2026Q2169121.97

Where this signal concentrates in the comparison geography

Utah24.6 / 10,000
Tennessee16.2 / 10,000
Oklahoma11.2 / 10,000
ADOPTION SHIFTCrypto & digital assets—supply not mapped
THE OPERATING HYPOTHESIS

Crypto cycles can pull exchange, wallet and compliance demand in waves.

14.38mentions per 10,000 articles+35.5%share change vs prior year

Mapped digital lending categories

This signal has no matching category in the page’s digital lending market map, so no supply percentile or gap is assigned.

Quarterly share of the United States coverage

Mentions per 10,000 articles · zero baseline

091827362024Q3: 62024Q32024Q4: 102024Q42025Q1: 82025Q12025Q2: 172025Q22025Q3: 72025Q32025Q4: 302025Q42026Q1: 132026Q12026Q2: 122026Q2
View quarterly signal counts
Crypto & digital assets in the United States coverage
QuarterMentionsPer 10,000 articles
2024Q311556.78
2024Q4187210.56
2025Q122328.92
2025Q2277817.43
2025Q321397.85
2025Q4372730.88
2026Q1197413.67
2026Q299512.93

Where this signal concentrates in the comparison geography

Utah105.9 / 10,000
Oklahoma98.3 / 10,000
Delaware23.5 / 10,000
TRUST FRICTIONFraud, scams & consumer trust—supply not mapped
THE OPERATING HYPOTHESIS

Trust friction can reward whoever fixes service, complaints and fraud handling.

6.39mentions per 10,000 articles+92.6%share change vs prior year

Mapped digital lending categories

This signal has no matching category in the page’s digital lending market map, so no supply percentile or gap is assigned.

Quarterly share of the United States coverage

Mentions per 10,000 articles · zero baseline

03710142024Q3: 42024Q32024Q4: 32024Q42025Q1: 22025Q12025Q2: 32025Q22025Q3: 32025Q32025Q4: 52025Q42026Q1: 122026Q12026Q2: 62026Q2
View quarterly signal counts
Fraud, scams & consumer trust in the United States coverage
QuarterMentionsPer 10,000 articles
2024Q37004.11
2024Q45753.24
2025Q16742.69
2025Q25663.55
2025Q310583.88
2025Q46365.27
2026Q1174012.05
2026Q24966.44

Where this signal concentrates in the comparison geography

Connecticut15.8 / 10,000
Maryland12.9 / 10,000
Iowa10.8 / 10,000
COMPLIANCE PRESSUREData & privacy regulation—supply not mapped
THE OPERATING HYPOTHESIS

Privacy rules can land as engineering requirements — consent, data handling and audit tooling follow.

2.89mentions per 10,000 articles+55.4%share change vs prior year

Mapped digital lending categories

This signal has no matching category in the page’s digital lending market map, so no supply percentile or gap is assigned.

Quarterly share of the United States coverage

Mentions per 10,000 articles · zero baseline

012342024Q3: 12024Q32024Q4: 12024Q42025Q1: 22025Q12025Q2: 12025Q22025Q3: 22025Q32025Q4: 32025Q42026Q1: 32026Q12026Q2: 22026Q2
View quarterly signal counts
Data & privacy regulation in the United States coverage
QuarterMentionsPer 10,000 articles
2024Q32691.58
2024Q42141.21
2025Q16192.47
2025Q23071.93
2025Q36142.25
2025Q44163.45
2026Q15273.65
2026Q22202.86

Where this signal concentrates in the comparison geography

Oregon6.2 / 10,000
Arizona4.5 / 10,000
Iowa4.1 / 10,000
RESEARCH & CHANGING CONVERSATIONS

Related research and changing coverage

the United States digital lending coverage

Expand panel +
RESEARCH CONTEXT · 2017

Advertising, consumer awareness, and choice: evidence from the U.S. banking industry

The RAND Journal of Economics

167 citations in the snapshot

RESEARCH CONTEXT · 2021

The convergence of racial and income disparities in health insurance coverage in the United States

International Journal for Equity in Health

125 citations in the snapshot

RESEARCH CONTEXT · 2022

Health insurance status and cancer stage at diagnosis and survival in the United States

CA A Cancer Journal for Clinicians

115 citations in the snapshot

RESEARCH CONTEXT · 2022

The Impact of ESG Scores on Bank Market Value? Evidence from the U.S. Banking Industry

Sustainability

111 citations in the snapshot

What is growing in this coverage

the United States coverage of this page's demand families

KeywordRecent articlesPrior articlesShare change
patent infringement394241923.3%
cyber liability254251152.2%
privacy policies20724963.0%
arbitration clause17022852.3%
ip litigation54772836.3%
antitrust investigations63587799.5%

Share changes describe coverage in the stated comparison periods, not search demand or market size.

GEOGRAPHIC FOOTPRINT

Where companies are based

Company counts, hiring and disclosed funding across the recorded hubs.

Expand panel +
8 cards

Swipe or scroll horizontally to browse.

UNDERSTAND THE LANDSCAPE

Digital Lending in the United States: key questions

Clear definitions for making better comparisons.

What does this landscape measure?

It measures the tracked company ecosystem, recorded funding, hiring and other available evidence. It is not a market-size estimate.

Can segment counts be added together?

No. A company can belong to several segments, so segment counts and funding can overlap.

What does a missing figure mean?

A dash or unavailable panel means the current reviewed source snapshot does not support that figure.

KEEP EXPLORING

Put the United States in context

All landscapes ↗

Company ecosystem snapshot: 30 August 2026. Funding is recorded in USD; filed accounts retain their stated currency and reporting basis. Each section identifies its own coverage. The news and research behind these sections is explorable in Prism.

Canonical landscape ↗
Coming soon