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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 MIAMI EDITION 2026

Miami’s
fintech industry,
in focus.

The companies, capital and talent shaping fintech in Miami. 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 Fintech Industry Landscape of Miami
US
COMPANIES · CAPITAL · TALENT

An industry ecosystem,
measured in context.

Fintech illustration
Companies tracked 453Fintech ecosystem in Miami Disclosed funding $4.18B93 companies · all recorded rounds Companies hiring 36With open roles at the snapshot Tracked open roles 832 employers posted in the preceding 30 days
MEET THE COMPANIES

Explore Miami’s fintech leaders

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

Expand panel +
Explore the full landscape
Fintech company highlights in Miami, snapshot 5 August 2026
Company
eCapitalecapital.com$469.87M8 roles155—
Marcomarcofi.com$428.2M—114—
Flexflex.one$413.98M—16—
Novonovo.co$297.95M—446—
OppZooppzo.com$262.05M—10—
Banesco USAbanescousa.com$261.9M10 roles242—
HealthCare.comhealthcare.com$254.87M—242—
Nymbusnymbus.com$215.42M3 roles221—
BMG Moneybmgmoney.com—6 roles62—
Biller Geniebillergenie.com—5 roles40—
OpenFXopenfx.com—5 roles——
Purpose Financialpurpose.financial—5 roles——
Squaremouthsquaremouth.com—3 roles50—
Calizacaliza.co——398—
ClassWalletclasswallet.com——300—
Cuentascuentas.com——5$676KFYFY2024 filing
KEO Worldkeoworld.com——112—
Leapfinancialleapfinancial.com————
NovoPaymentnovopayment.com——273—
YieldXyieldx.app——53—
20 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

Fintech industry KPIs in Miami

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

5 August 2026
Hiring participation7.9%

36 of 453 tracked companies have open roles.

Funding participation23.2%

105 of 453 tracked companies have a recorded round.

Top 3 funding share31.4%

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

Median disclosed round$5M

Midpoint of 184 rounds with a disclosed amount.

Scale is concentrated. Opportunity is broader. The three largest funding recipients hold 31.4% of disclosed capital, while 76.8% of tracked companies have no recorded funding round.

Explore the segments →
CAPITAL & COMPANY FORMATION

How Miami fintech 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

Miami fintech
$0$258.79M$517.58M$776.37M$1.04B2016: $19.19M20162017: $28.07M20172018: $154.75M20182019: $130.32M20192020: $70.93M20202021: $655.99M20212022: $908.04M20222023: $686.7M20232024: $186.36M20242025: $893.06M2025
View the numbers
Annual fintech funding and company formation in Miami
YearFunding (USD)FoundedRaising
2016$19.19M214
2017$28.07M185
2018$154.75M297
2019$130.32M318
2020$70.93M4211
2021$655.99M4019
2022$908.04M5125
2023$686.7M2718
2024$186.36M1823
2025$893.06M1119
WHERE CAPITAL SITS

Funding concentration

Share of all disclosed company funding.

  • eCapital11.2%
  • Marco10.2%
  • Flex9.9%
  • Other companies68.6%

Funding by stage

212 recorded rounds since 2016

NUMBER OF ROUNDS
Seed & Angel101 47.6%
Series A–B63 29.7%
Series C+ / PE12 5.7%
Grants, debt & other36 17.0%

Recent recorded rounds

Latest recorded rounds · USD
5 rounds

Swipe or scroll horizontally to browse.

Series A03/2026
OpenFX $94M

Backed by Accel and Faction VC and others.

Series A03/2026
XFX $17M

Backed by Castle Island Ventures and Haun Ventures and others.

Seed03/2026
Cyclops $8M

Backed by Castle Island Ventures and F-Prime Capital and others.

Seed02/2026
Quash AI $2.6M

Backed by H20 Capital and Insight Partners.

Largest and notable recorded rounds

Each card is one recorded round
10 cards

Swipe or scroll horizontally to browse.

Series C08/2023
Novonovo.co$125M

Backed by Victory Park Capital Advisors.

Series B01/2022
Novonovo.co$90.36M

Backed by Stripes and Valar Ventures and others.

Series D05/2023
Nymbusnymbus.com$70M

Backed by Insight Partners and The Banc Funds and others.

Series B12/2025
Flexflex.one$60M

Backed by Portage and Crosslink Capital and others.

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 · company accounts; aggregate reporting threshold not met · 1 reporting entities from 2 eligible matches.

Revenue in covered accounts—

Sum of reporting-entity revenue; not Miami market sales.

Net profit / loss—

Combined result for the same cohort.

Aggregate net margin—

Combined net income ÷ combined revenue.

Median company revenue—

The middle covered reporting entity.

Profitable entities—

None of 1 covered entities.

Top-five concentration—

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 · 1 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.

1 reporting entities
Continue your financial research in Radar

Explore full company accounts and filings.

View financials in Radar ↗
MIAMI · INDUSTRY COHORTS

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

Busiest websites

9 of the 453 companies on this page carry a measured traffic record (2%); these are the largest of those, by monthly visits. The median among them is 285,583 visits.

CompanyMonthly visitsAuthorityMobile
Dental Plansdentalplans.com604,1124367.9%
Novonovo.co516,6924135.3%
ClassWalletclasswallet.com448,9294475.6%
CardPointerscardpointers.com317,8613186%
Avenueavenue.us285,5833924.2%
Summarsummar.com206,8382887.4%
Squaremouthsquaremouth.com188,3124819.9%
Biller Geniebillergenie.com156,3083233.4%
Superformsuperform.xyz54,1302510.6%

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

Most-installed apps

40 of these companies (8.8%) publish at least one Android app — 50 apps in all, carrying 4.8M installs between them.

AppInstallsRatingStore category
Avenue - Investir em DólarAvenue2.1M4.8Finance
Ad It Up—Save on Your BillsPlay2Pay988.5K4.7Shopping
IntermexIntermex493.3K4.7Finance
Novo - Small Business CheckingNovo281.1K4.5Finance
Neomoon.appNeomoon185.4K3.2Finance
YoVendoRecargaGlobalPay166.6K4.4Business
VestVest91.7K3.2Finance
Relief: Get out of debtRelief89.4K4.3Finance
CardPointers: Maximize RewardsCardPointers67.3K4.6Finance
BMG MoneyBMG Money57.2K4Finance

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 (2023Q2–2026Q1).

SegmentAppsInstallsLeading appRelease trend
Investment Tech82.2MAvenue - Investir em Dólar 2.1M
Payments81.3MAd It Up—Save on Your Bills 988.5K
Banking Tech8508KNovo - Small Business Checking 281.1K
Remittance Services3495.4KIntermex 493.3K
Digital Remittance8196.8KYoVendoRecarga 166.6K
Alternative Lending9158.9KRelief: Get out of debt 89.4K
Finance & Accounting Tech246.9KTaxfyle: Taxes Done For You 44.9K
Cryptocurrencies410.3KItalpay Lite 6.4K

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.

2022Q4: 22022Q4: 02022Q42023Q1: 32023Q1: 02023Q12023Q2: 12023Q2: 02023Q22023Q4: 22023Q4: 22023Q42024Q2: 22024Q2: 02024Q22024Q3: 42024Q3: 12024Q32024Q4: 12024Q4: 12024Q42025Q1: 22025Q1: 12025Q12025Q2: 12025Q2: 22025Q22025Q3: 32025Q3: 32025Q32025Q4: 12025Q4: 72025Q42026Q1: 12026Q1: 52026Q1

Darker bars are new releases, lighter bars apps updated. 45 of 50 apps carry a release date. The series ends at 2026Q1, the last quarter that closed before the June 2026 reading.

INSIDE THE INDUSTRY

The Miami fintech market map

Explore the segments behind the headline numbers.

Expand panel +

Where companies are building

Rank segments by scale, hiring or disclosed funding.

Enterprise tech243
Consumer digital205
Enterprise software106
Nbfc lenders84
Saas59
Business payments solutions52
Commerce enablers45
Blockchain in financial services43
Marketplaces32
Fintech saas30
Online trading platforms20
Crypto trading platforms17

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

SEGMENT TO EXPLORE

Enterprise tech

The largest measured segment in this report snapshot.

243companies
9.1%have hiring activity

22 companies hiring · $3.58B disclosed funding

Explore in Radar

How companies make money

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

Commission on transaction302
Subscription243
Fee-for-service121
E-commerce - service85
Lending73
Advertising18
E-commerce - product17
Physical commerce5
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 roundssproutfi.com ↗

UAE-based children's food specialist, Sprout, has raised a $200K investment from Bahrain's FA Holdings, empowering the young startup to press on with plans for retail expansion.

Funding roundsbmgmoney.com ↗

BMG Money announced today that it has secured a $300 million financing facility with Utah-based WebBank, a leading national issuer of consumer credit products, and Waterfall Asset Management.

Mergers & acquisitionsintermexonline.com ↗

Western Union, on Aug. 10. announced the acquisition of Intermex (NASDAQ:IMXI) for approximately $500 million.

Funding roundsgetwaltz.com ↗

Waltz , an Israeli proptech startup, raised $25 million in debt financing from Setpoint Capital.

Funding roundspalla.app ↗

Palla, an international payments platform that enables instant cross‑border payments for global financial institutions and fintech firms, announced that it has raised $14.5 million in a Series A funding round.

Mergers & acquisitionsfusionfunding.com ↗

Fusion Capital Partners has acquired a majority equity interest in Relevant Industrial, a provider of industrial equipment and related services, from LKCM Headwater Investments.

Funding roundsonyxprivate.com ↗

Onyx announced on Wednesday that it raised $10 million in a seed round led by Khosla Ventures and First Round Capital.

Mergers & acquisitionsecapital.com ↗

Miami-headquartered eCapital Corp, which provides financing to small and medium-sized businesses in North America and the UK, has announced the acquisition of working capital provider LSQ Group.

Full recorded event mix

Top 10 categories among 92 recorded events in the 24-month window.

Leadership moves
26
Funding rounds
20
Mergers & acquisitions
12
Company announcements
9
Capital infusions
5
Earnings
5
Contracts
5
New products
3
Asset acquisitions
3
Layoffs
1
5 activity cards

Swipe or scroll horizontally to browse.

IPO pipeline

1 companies with recorded IPO activity

Cuentas ↗

IPO activity · OTCQB1 reports

Leadership moves

8 tracked people moves

Nymbus ↗
Nate Whaley

Retirement Previously Chief Revenue Officer

Nymbus ↗
Aimee Ford

Appointment Chief Revenue Officer

eCapital ↗
Richard Tong

Appointment Chief Legal Officer

Arrow ↗
Nitesh Kanchan

Promotion Chief Executive Officer

Arrow ↗
Anand Aiyer

Resignation Previously Chief Executive Officer

eCapital ↗
Nate Gilmore

Appointment Head of Strategic Partnerships and Integrations

Marco ↗
Doug Albregts

Retirement

Marco ↗
Brian Wyatt

Appointment Chief Executive Officer

Contract wins

2 recorded customer wins

Arrow ↗

Customer: object first

Axela ↗

Customer: Independent Media Agencies of Australia

Workforce actions

1 companies with reported reductions

Novo ↗

5,000 rolesrising competition

Regulatory events

1 recorded events

Novo ↗

approved for weight loss

Mergers and acquisitions

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

Acquirer → targetStatusDateValue / context
recognize→Sprout ↗Announced2026-04-02Not stated in snapshot
Global Settlement→InvestReady ↗2026-03-16Not stated in snapshot
nCino, Inc.→DocFox ↗Announced2025-11-25Not stated in snapshot
The Western Union Company→Intermex ↗Announced2025-09-19$500.0M
visa→YellowPepper ↗Announced2025-09-01Not stated in snapshot
western union→Intermex ↗Announced2025-08-13$500.0M

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

PEOPLE & OPPORTUNITY

The talent market

1,530 postings in the preceding 12 months. The full 2,050-posting snapshot covers 49 employers.

Expand panel +

Most advertised job titles

Account Manager, Commercial Lines17
Surplus Lines Tax Administrator17
Marketing Manager17
Planner Scheduler15
Quality Engineer15
Shop Helper14
0 internship postings

5 tracked postings mention remote work.

The seniority mix

606 postings specify a level.

unspecified
1,444
manager
427
senior
95
lead
65
entry
11
intern
8

Skills employers mention

Top skills across 2,050 tracked postings in the available jobs snapshot.

Excel
58
Outlook
48
Microsoft Office
38
Word
23
Microsoft Office Suite
22
Github
19
Notion
19
Sentry
19
Slack
19
Tailwind
15
ADVERTISED PAY$70.0K/ year

Median across 234 postings with pay data, expressed in USD.

Salary by seniority

manager$70.0K/ year76 postings

Advertised posting medians do not describe all employees or roles.

THE PEOPLE BUILDING THE FIELD

Founders and leaders

261 founders and chief executives across 193 companies.

Expand panel +
12 profiles

Swipe or scroll horizontally to browse.

Education networks

46 profiles with education records.

Harvard University
10
Harvard Business School
8
University of Pennsylvania
7
Cornell University
5
Massachusetts Institute of Technology
4
Wharton School
4
Stanford University
4
Kellogg School of Management
2

Prior employers

15 profiles with prior-work records.

McKinsey
3
Facebook
2
Uber
2
Goldman Sachs
2
Boston Consulting Group
2
Paypal
1
eBay
1
Amazon
1

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

NEWS INTELLIGENCE

How this industry appears in the news

11,251 articles in the measured 12-month window.

Expand panel +
11,251articles in the measured year
2,691articles in 2026Q1
70.1%positive tone in the latest complete year

News volume trends

Fintech coverage tagged Miami · articles per complete quarter

01,0662,1333,1994,2652021Q2: 2,3492021Q22021Q3: 2,2522021Q4: 2,4842022Q1: 3,1582022Q2: 3,1982022Q22022Q3: 2,3942022Q4: 2,8192023Q1: 2,7082023Q2: 3,3362023Q22023Q3: 2,7022023Q4: 2,6082024Q1: 3,0552024Q2: 2,4422024Q22024Q3: 2,7972024Q4: 2,8132025Q1: 3,7092025Q2: 2,8082025Q22025Q3: 3,5602025Q4: 2,1692026Q1: 2,6912026Q1
View quarterly article counts
QuarterArticles
2021Q22,349
2021Q32,252
2021Q42,484
2022Q13,158
2022Q23,198
2022Q32,394
2022Q42,819
2023Q12,708
2023Q23,336
2023Q32,702
2023Q42,608
2024Q13,055
2024Q22,442
2024Q32,797
2024Q42,813
2025Q13,709
2025Q22,808
2025Q33,560
2025Q42,169
2026Q12,691

Article volume measures coverage, not market sales.

Tone of coverage over time

2021
5,817 positive · 69 neutral · 2,271 negative
2022
8,293 positive · 130 neutral · 3,122 negative
2023
7,502 positive · 171 neutral · 3,653 negative
2024
7,719 positive · 122 neutral · 3,242 negative
2025
8,570 positive · 173 neutral · 3,479 negative

Leading coverage topics

Fintech coverage tagged Miami · 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

United States comparison coverage

KeywordRecentPriorChange
stablecoin fx impact13,4346,005124%
stock price9,6904,499115%
investment deal7,3751,414422%
decentralized forex6,9863,54997%
etf trading6,4383,27597%
share price5,7112,242155%
etfs5,6292,88895%
forex liquidity5,3763,54852%
sector etfs5,3602,78792%
etf structures4,9852,54596%
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

United States comparison coverage

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

Fintech coverage tagged Miami. Topic labels describe recorded classifications and can include broad context.

RESEARCH SIGNALS

What Fintech 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

893 papers · 7 recurring themes
7 cards

Swipe or scroll horizontally to browse.

Mobile Payments Adoption BarriersCommon problems researchers identify · 01

Mobile Payments Adoption Barriers

184 papers

20.6% of this theme group

Researchers examine why consumers and merchants hesitate to use mobile payment solutions.

Mobile payment (125) · Payment (101) · Cash (23) · Mobile phone (16)

Determinants of Mobile Payments: An Empirical Analysis

Mobile Payments at the Retail Point of Sale in the United States: Prospects for Adoption

View research history
YearShare index
2022698.8
2023654.9
2024785.7
2025864.1
Financial Crime Detection ChallengesCommon problems researchers identify · 02

Financial Crime Detection Challenges

169 papers

18.9% of this theme group

Studies highlight difficulties in spotting money laundering and fraud with current analytical tools.

Money laundering (27) · Audit (15) · Compliance (17) · Financial fraud (8)

Graph Computing for Financial Crime and Fraud Detection: Trends, Challenges and Outlook

A Systematic Review of Machine Learning in Credit Card Fraud Detection Under Original Class Imbalance

View research history
YearShare index
2022743.3
2023720.0
2024783.1
20251024.3
Inclusion and Regulation TensionsCommon problems researchers identify · 03

Inclusion and Regulation Tensions

158 papers

17.7% of this theme group

Papers discuss how fintech growth clashes with regulatory frameworks and inclusion goals.

Financial services (95) · FinTech (57) · Financial inclusion (33) · Financial regulation (9)

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

Digital Banking and Fintech Disruption: A Systematic Review of Financial Innovation

View research history
YearShare index
2022533.2
2023586.1
2024645.7
20251018.9
High‑Frequency Trading Market ImpactCommon problems researchers identify · 04

High‑Frequency Trading Market Impact

129 papers

14.4% of this theme group

Analyses focus on how algorithmic trading affects market stability and fairness.

Algorithmic trading (55) · High-frequency trading (48) · Trading strategy (25) · Electronic trading (13)

High-Frequency Trading and Its Impact on Markets

High-Frequency Trading: <i>Implications for Markets,</i><i>Regulators, and Efficiency</i>

View research history
YearShare index
202232.6
202331.8
202425.3
202539.6
Payment System Reform in HealthcareCommon problems researchers identify · 05

Payment System Reform in Healthcare

114 papers

12.8% of this theme group

Research points to inefficiencies and misaligned incentives in medical payment structures.

Payment (111) · Payment system (52) · Health care (26) · Reimbursement (19)

Reforming the Primary Care Physician Payment System

Payment and Delivery-System Reform — The Next Phase

View research history
YearShare index
2022735.6
2023708.4
2024839.8
2025935.9
Portfolio Optimization UncertaintyCommon problems researchers identify · 06

Portfolio Optimization Uncertainty

96 papers

10.8% of this theme group

Works question the reliability of models that aim to improve diversification and risk control.

Portfolio (94) · Portfolio optimization (37) · Modern portfolio theory (26) · Diversification (17)

In Defense of Portfolio Optimization: What If We Can Forecast?

Risk minimization and portfolio diversification

View research history
YearShare index
2022315.4
2023306.5
2024224.6
2025345.5
Insider Trading Legal ComplexitiesCommon problems researchers identify · 07

Insider Trading Legal Complexities

43 papers

4.8% of this theme group

Studies explore the nuanced legal and informational issues surrounding insider trading.

Insider trading (42) · Insider (17) · Alternative trading system (23) · Securities Exchange Act of 1934 (8)

Information, Privilege, Opportunity, and Insider Trading

The Law of Insider Trading: Legal Theories, Common Defenses, and Best Practices for Ensuring Compliance

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YearShare index
202218.5
202316.0
202410.9
202516.4

Cautions

406 papers · 7 recurring themes
7 cards

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Algorithmic Trading Liquidity RisksCautions · 01

Algorithmic Trading Liquidity Risks

109 papers

26.8% of this theme group

Authors warn that automated strategies may erode market liquidity and increase volatility.

Algorithmic trading (52) · High-frequency trading (37) · Trading strategy (18) · Market liquidity (20)

Computerized and High‐Frequency Trading

Banking and Trading

View research history
YearShare index
202232.6
202331.8
202425.3
202539.6
Mobile Money Inclusion PitfallsCautions · 02

Mobile Money Inclusion Pitfalls

63 papers

15.5% of this theme group

Cautions focus on cost, security, and infrastructure obstacles limiting mobile payment reach.

Mobile payment (44) · Payment (28) · Financial inclusion (16) · Mobile banking (5)

Risk Sharing and Transactions Costs: Evidence from Kenya's Mobile Money Revolution

Innovations in emerging markets: the case of mobile money

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YearShare index
2022664.7
2023656.5
2024839.9
20251020.2
Portfolio Choice Model LimitationsCautions · 03

Portfolio Choice Model Limitations

62 papers

15.3% of this theme group

Researchers highlight assumptions and data issues that can misguide asset allocation decisions.

Portfolio (56) · Portfolio optimization (28) · Diversification (15) · Asset allocation (12)

Stochastic optimization of retirement portfolio asset allocations and withdrawals

An Experimental Examination of Portfolio Choice

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YearShare index
2022317.9
2023308.8
2024226.8
2025346.2
Fintech’s Uneven Inclusion EffectsCautions · 04

Fintech’s Uneven Inclusion Effects

54 papers

13.3% of this theme group

Papers caution that digital finance may exacerbate disparities without careful policy design.

Financial services (32) · FinTech (20) · Financial inclusion (21) · Big data (7)

The Complex Implications of Fintech for Financial Inclusion

Leveraging Fintech for Sustainable Development in Emerging Economies – A Policy Perspective

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YearShare index
2022533.2
2023586.1
2024645.7
20251018.9
Bias in Fraud Detection SystemsCautions · 05

Bias in Fraud Detection Systems

51 papers

12.6% of this theme group

Analyses reveal ethical and accuracy concerns in AI‑driven financial crime tools.

Financial fraud (6) · Computer security (9) · Audit (6) · Accounting (5)

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

A Review on Financial Fraud Detection using AI and Machine Learning

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YearShare index
20221506.8
20231510.8
20241550.0
20251481.0
Cryptocurrency Payment UncertaintiesCautions · 06

Cryptocurrency Payment Uncertainties

42 papers

10.3% of this theme group

Studies discuss regulatory, security, and stability issues surrounding digital currency use.

Payment (32) · Digital currency (9) · Cryptocurrency (9) · Virtual currency (5)

Bitcoin: Economics, Technology, and Governance

Digital Payment and Its Discontents

View research history
YearShare index
2022860.7
2023831.5
2024980.7
20251216.6
Prospective Payment System ReformsCautions · 07

Prospective Payment System Reforms

25 papers

6.2% of this theme group

Research flags potential unintended consequences of new reimbursement models in healthcare.

Prospective payment system (9) · Payment (23) · Payment system (10) · Reimbursement (6)

Strategic Patient Discharge: The Case of Long-Term Care Hospitals

The Medicare hospice payment system: a consideration of potential refinements.

View research history
YearShare index
2022586.9
2023557.7
2024713.3
2025796.1

Opportunities

2,757 papers · 7 recurring themes
7 cards

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Advanced Portfolio Optimization TechniquesOpportunities · 01

Advanced Portfolio Optimization Techniques

821 papers

29.8% of this theme group

Opportunities explore machine learning and statistical methods to improve portfolio construction.

Portfolio (763) · Portfolio optimization (448) · Modern portfolio theory (90) · Econometrics (185)

Machine Learning and Portfolio Optimization

An Entropy-Based Approach to Portfolio Optimization

View research history
YearShare index
2022315.4
2023306.5
2024224.6
2025345.5
Graph‑Based Fraud Detection AdvancesOpportunities · 02

Graph‑Based Fraud Detection Advances

554 papers

20.1% of this theme group

Works highlight novel graph analytics for spotting complex financial fraud patterns.

Financial fraud (54) · Graph (55) · Database transaction (105) · Computer security (96)

Fraud Detection using Machine Learning

Advancing Financial Security with Scalable AI: Explainable Machine Learning Models for Transaction Fraud Detection

View research history
YearShare index
2022199.4
2023181.1
2024119.9
2025234.7
Machine‑Enhanced Algorithmic TradingOpportunities · 03

Machine‑Enhanced Algorithmic Trading

401 papers

14.5% of this theme group

Studies propose AI‑driven strategies to boost performance and adaptivity in trading.

Algorithmic trading (177) · Trading strategy (145) · High-frequency trading (80) · Pairs trade (40)

Algorithmic Trading Strategies: Leveraging Machine Learning Models for Enhanced Performance in the US Stock Market

Extracting the multi-timescale activity patterns of online financial markets

View research history
YearShare index
202232.6
202331.8
202425.3
202539.6
Secure Mobile Payment ExperiencesOpportunities · 04

Secure Mobile Payment Experiences

380 papers

13.8% of this theme group

Research seeks to strengthen trust and usability in mobile fintech payment platforms.

Mobile payment (184) · Payment (233) · Payment system (48) · Marketing (30)

An Empirical Study of the Impacts of Perceived Security and Knowledge on Continuous Intention to Use Mobile Fintech Payment Services

Assurance on the reliability of mobile payment system and its effects on its' use: An empirical examination

View research history
YearShare index
2022595.2
2023565.3
2024723.5
2025818.2
Fintech for Financial LiteracyOpportunities · 05

Fintech for Financial Literacy

302 papers

11.0% of this theme group

Papers investigate how digital tools can expand knowledge and inclusion in financial services.

Financial services (145) · FinTech (95) · Financial inclusion (67) · Financial literacy (29)

The Future of Finance: Fintech and Digital Transformation

The integration of big data in finTech: Review of enhancing financial services through advanced technologies

View research history
YearShare index
2022533.2
2023586.1
2024645.7
20251018.9
AI‑Powered Credit Risk ModelingOpportunities · 06

AI‑Powered Credit Risk Modeling

159 papers

5.8% of this theme group

Works demonstrate deep learning approaches to predict loan defaults more accurately.

Credit risk (41) · Loan (23) · Gradient boosting (11) · Default (6)

A Dynamic Credit Risk Assessment Model Based on Deep Reinforcement Learning

Leveraging artificial intelligence and machine learning for next-generation credit risk assessment models

View research history
YearShare index
2022257.0
2023259.7
2024185.2
2025266.7
Enhanced Credit Card Fraud DetectionOpportunities · 07

Enhanced Credit Card Fraud Detection

140 papers

5.1% of this theme group

Studies develop sophisticated machine learning frameworks to reduce false positives in fraud alerts.

Credit card fraud (122) · Credit card (108) · Computer security (34) · Database transaction (32)

An improved machine learning technique for credit card fraud detection

Enhancing Credit Card Fraud Detection: A Machine Learning Framework

View research history
YearShare index
2022858.0
2023882.7
2024837.4
2025537.3

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%37.2%
Problem-identifying19.8%9.5%
Descriptive19.5%17.2%
Breakthrough10.7%27.0%
Cautionary9.7%4.4%
Comparative2.6%3.8%
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 & surveillanceFraud detections for online businesses: a perspective from blockchain technology2565.02%82 (32.0%)4.6%
Bias & fairnessEvaluating the fairness of credit scoring models: A literature review on mortgage accessibility for under-reserved popul150.29%8 (53.3%)0.14%
Concentration of compute powerRent Seeking by Low-Latency Traders: Evidence from Trading on Macroeconomic Announcements130.25%7 (53.8%)0.17%
Labour & data workEvaluating the Role of UPI in Fostering Economic Inclusion among Gig Workers in Mumbai City110.22%2 (18.2%)0.1%
Safety & misuseUses and Misuses of the Black-Litterman Model in Portfolio Construction60.12%2 (33.3%)0.08%
Energy & datacenter footprintEnergy Portfolio Optimization of Data Centers30.06%0 (0.0%)0.05%
Hardware, e-waste & supply chainMobile Phone Repair as a Strategy for Reducing E-Waste, Enhancing Data Privacy, and Promoting Digital Sustainability in 20.04%0 (0.0%)0.01%
Carbon & emissions of computeRethinking portfolio design with sustainable AI and FinTech: dynamic spillovers in a quantile–frequency framework10.02%0 (0.0%)0.0%
Water use00.0%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.

UNDERSTAND THE LANDSCAPE

Fintech in Miami: 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 Miami in context

All landscapes ↗

Company ecosystem snapshot: 5 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