Radar · Industry landscape · the United States
Fintech Industry Landscape of the United States
24,900 Fintech companies in the United States, in one picture: who is hiring, who is raising money, who founded them, where they are based, what the news is about, which skills employers want and where the research is going. Updated September 2026.
24,900companies tracked
$324.9Bdisclosed funding
1,511hiring right now
10,268events · 24 months
903,370news articles · 12 months
Who leads Fintech in the United States
Shows the most prominent fintech firms in the U.S., including the top hiring companies, best funded firms, and the number currently hiring or reporting a funding round.
open roles
Hiring now
ranked by live open roles
- 01
Anaplan13last posted Aug 2026
- 02
Airwallex13last posted Aug 2026
- 03
NCR Atleos13last posted Aug 2026
- 04
Broadridge13last posted Aug 2026
- 05
SS&C TECHNOLOGIES13last posted Aug 2026
- 06
Advantmed13last posted Aug 2026
- 07
Stripe13last posted Aug 2026
- 08
Coinbase12last posted Jul 2026
1,511 companies hiring · 105 posted in the last 30 days
disclosed funding
Most funded
disclosed totals, all rounds
- 01
- 02
Acrisure$9.5BSeries D · May 2025
- 03
Robinhood$6.9BPost IPO · May 2022
- 04
Taulia$6.2BConventional Debt · Mar 2021
- 05
Prosper$5.5BConventional Debt · Nov 2022
- 06
SumUp$4BConventional Debt · May 2025
- 07
SoFi$3.2BPost IPO · Feb 2024
- 08
Chime$3.1BSeries F · Aug 2021
4,535 companies with disclosed rounds · $324.9B total
revenue
Revenue leaders
official filings first, else latest snapshot
- 01
Mastercard$9.2BFY2022 filing
- 02
Fiserv$5BFY2022 filing
- 03
ICE Mortgage Technology$3.7BFY2017 filing
- 04
NCR$2.7Bsnapshot Dec 2025
- 05
Moomoo$2.1BFY2019 filing
- 06
- 07
CME Group$1.9BFY2025 filing
- 08
Equifax$1.6BFY2026 filing
156 companies with a revenue figure
headcount
Largest teams
ranked by tracked headcount
- 01
Progressive Insurance61,400tracked employees
- 02
Justworks55,459tracked employees
- 03
Social Security Administration48,922tracked employees
- 04
- 05
- 06
- 07
Community Health Network13,897tracked employees
- 08
block (previously square)12,428tracked employees
1,477 companies with headcount data
share of events
Share of voice
share of all tracked sector news events, 24 months
- 01
- 02
PayPal3.0%509 tracked events
- 03
Phillips 661.6%270 tracked events
- 04
Flutterwave1.4%240 tracked events
- 05
- 06
Visa1.2%206 tracked events
- 07
- 08
17,007 tracked events across 1,365 companies
articles
In the news
Prism news coverage, last 12 months
- 01
- 02
Charlie17,494articles in the window
- 03
- 04
- 05
Dave9,563articles in the window
- 06
Marcus5,970articles in the window
- 07
Marco5,064articles in the window
- 08
Venmo4,614articles in the window
1,000 of these companies drew sector coverage in the window
Radar
See all 24,900 Fintech companies in the United States
Filter by funding, headcount, hiring and location, and export the list.
How the Fintech ecosystem in the United States grew, 2016–2025
Shows how many fintech companies were founded each year, with a peak of 1,592 new firms in 2021 and 341 in 2025.
Companies founded / year
new Fintech companies in the United States
20162025
peak 1,592 in 2021
Companies raising / year
with a disclosed round that year
20162025
peak 990 in 2021
Disclosed funding / year
sum of disclosed rounds (USD)
20162025
peak $64.4B in 2021
Where Fintech companies in the United States are based
Lists the U.S. cities with the most fintech companies, led by New York City (2,269) and San Francisco (1,343).
Hub 01
New York City
2,269 Fintech companies
36% of the Fintech companies across these hubs
2,269companies
$48.9Bdisclosed funding
171hiring now
Hub 02
San Francisco
1,343 Fintech companies
21% of the Fintech companies across these hubs
1,343companies
$77.7Bdisclosed funding
125hiring now
Hub 03
Los Angeles
583 Fintech companies
9% of the Fintech companies across these hubs
583companies
$7.7Bdisclosed funding
30hiring now
Hub 04
Miami
474 Fintech companies
8% of the Fintech companies across these hubs
474companies
$4.4Bdisclosed funding
38hiring now
Hub 05
Chicago
469 Fintech companies
7% of the Fintech companies across these hubs
469companies
$8.3Bdisclosed funding
40hiring now
Hub 06
Austin
466 Fintech companies
7% of the Fintech companies across these hubs
466companies
$5.9Bdisclosed funding
35hiring now
generated artwork
Hub 07
Atlanta
358 Fintech companies
6% of the Fintech companies across these hubs
358companies
$12.3Bdisclosed funding
36hiring now
Hub 08
Boston
308 Fintech companies
5% of the Fintech companies across these hubs
308companies
$5.9Bdisclosed funding
23hiring now
The Fintech market map of the United States: what these companies actually do
Breaks down fintech product sub‑categories and revenue models, highlighting enterprise tech (12,533 firms) and the most common models: subscription (13,775) and transaction commission (13,231).
- Enterprise Tech12,533 companies · $226.1B raised · 1,021 hiring
- Consumer Digital9,569 companies · $134.8B raised · 491 hiring
- Enterprise Software6,669 companies · $124.1B raised · 616 hiring
- SaaS3,609 companies · $77.7B raised · 345 hiring
- Nbfc Lenders3,161 companies · $92B raised · 218 hiring
- Business Payments Solutions2,390 companies · $41.6B raised · 157 hiring
- Fintech SaaS2,140 companies · $29.1B raised · 221 hiring
- Marketplaces1,916 companies · $36.4B raised · 101 hiring
- Commerce Enablers1,824 companies · $33.6B raised · 107 hiring
- Blockchain in Financial Services1,488 companies · $16.4B raised · 46 hiring
- Internet First Wealth Management Platforms1,127 companies · $6B raised · 58 hiring
- Online Trading Platforms1,053 companies · $11.8B raised · 33 hiring
Monetization
How Fintech companies make money
How many companies earn revenue each way. Plenty use more than one model, so the counts add up to more than the sector.
Subscription13,775
Commission on Transaction13,231
Fee-For-Service6,782
E-Commerce - Service4,129
Lending2,792
Advertising1,528
E-Commerce - Product770
Freemium310
Funding, M&A and the deals moving Fintech in the United States
Counts corporate events over the past two years, including 2,281 key‑people moves, 2,007 earnings releases, and 1,226 funding rounds.
Leadership 2,281Earnings 2,007M&A 1,424Funding 1,226Product 1,106Announcement 617Contracts 468Lawsuit 232Assets 232Capital 187
- M&ABullish has entered into a definitive agreement to acquire Equiniti, a leading global transfer agent serving nearly 3,000 issuer clients.2026-05-05
- FundingRoadzen Inc. (Nasdaq: RDZN ) (‘Roadzen’ or the ‘Company’), a global leader in AI at the convergence of insurance and mobility, today announced that it has entered into a securities purchase agreement with institutional investors for the purchase and sale of 4,705,870 ordinary shares at an offering price of $1.70 per share, in a registered direct offering (the ‘Offering’).2026-05-04
- M&AWillis Towers Watson (WTW) has detailed its artificial intelligence strategy following its acquisition of Newfront2026-05-04
- M&AWisdomTree has completed the acquisition of Atlantic House, the London-based active investment firm focused on defined outcome and derivatives-led strategies.2026-05-04
- M&AGlobal investment firm Carlyle (NASDAQ: CG) today announced it has acquired a majority stake in Knack RCM (“Knack”) and EqualizeRCM (“Equalize”), two leading U.S. healthcare revenue cycle management (“RCM”) providers, to create an AI-native, global, multi-specialty RCM platform.2026-05-04
- FundingSocotra was founded by Dan Woods and has raised nearly $1 million across seven funding rounds, with backers including Insight partners, Andreessen Horowitz, Nationwide Ventures and 8VC.2026-05-04
- FundingZamp has now raised a total of $21M in total equity funding and is backed by Acrew Capital and Thomson Reuters Ventures.2026-05-04
- FundingKashable has now raised a total of $122.7M in total equity funding and is backed by EJF Ventures, Goldman Sachs Alternatives, and Revolution.2026-05-04
- M&AEnvestnet Asset Management Inc. lifted its stake in Knowles by 1.4% during the third quarter.2026-05-04
- FundingauthID is looking to raise $4 million less expenses in bridge loan financing for “working capital and general corporate purposes.”2026-05-01
Mergers and acquisitions
Deals from the last 24 months where a Fintech company in the United States was the buyer or the one bought, newest first. “Undisclosed” means the price was never published — not that the deal was worth nothing.
| Acquirer | Target | Deal value | Status | Date |
|---|---|---|---|---|
| undisclosed | Announced | 2026-06-04 | ||
| $4.2B | Announced | 2026-05-05 | ||
| undisclosed | Announced | 2026-05-04 | ||
| undisclosed | Completed | 2026-05-04 | ||
| undisclosed | Completed | 2026-05-04 | ||
| $1.1M | — | 2026-05-04 |
Who is listing, hiring leaders, launching and winning work
Details specific event types such as IPO filings, leadership changes, product launches, and contract wins for fintech firms.
IPO pipeline
44 companies listed or filing · last 24 months
BullishIPO · NYSE · BLSH · 8 reportsApr 2026
WebullSPAC · NASDAQ · BULL · 3 reportsApr 2026
InovioIPO · 1 reportApr 2026
Lending ClubIPO · 1 reportMar 2026
LendbuzzIPO · Nasdaq Global Select Market · LBZZ · 6 reportsFeb 2026
Leadership moves
237 tracked people moves · last 12 months
FinzlyDharmesh Patel · Promotion → Chief Customer OfficerMay 2026
SedgwickSuzanne Dann · Appointment → Group PresidentMay 2026
Wright ExpressLauren Taylor Wolfe · Appointment → Board MemberMay 2026
Crossover MarketsJay Patel · Appointment → Global Head of MarketsMay 2026
Product launches
tracked launches · last 12 months
OpenVCNYSE OpenVC 500 Index (Index)May 2026
NovaworksSpecial Agents (HR)May 2026
CyberCubeRegional Risk Transfer Benchmarking toolMay 2026
ElavonElavon Business SolutionsMay 2026
IronPoint Insurance ServicesAdvisorCovered.com (Digital platform for professional liability insurance)May 2026
SuperAgentSUPERAGENT 2.0 (Insurance agency software platform)Apr 2026
iPipelineSolutionBuilder (Feature Badges in sourcing portal)Apr 2026
Contract wins
250 customer wins · last 24 months
Origami Riskwon gramercy risk managementApr 2026
Naehaswon leading UK-headquartered bankApr 2026
Credit Directwon vivo nigeriaApr 2026
Workforce actions
49 companies cutting roles · last 24 months
Regulatory & litigation
94 regulatory events · 27 tracked suits · 24 months
KeetaInvestigation — Hong Kong’s Competition CommissionApr 2026
SPAREapproved for operation — Central Bank of the UAEApr 2026
- Investors who purchased or acquired PayPal common stock betw v paypalsecurities fraud (material misstatements and omissions) · FiledApr 2026
- Hayden Artificial AI Technologies Inc. v seon, safe fleettrade secrets and copyright infringement · OngoingApr 2026
Earnings pulse
companies reporting results · last 24 months
201 companies reporting2,212 company-quarters trackedbeat 638miss 167in line 41
Half of these companies grew revenue faster than +12.7%, half slower.
Who is building Fintech in the United States
Profiles founders and CEOs of 7,771 fintech firms, noting top alma maters like Stanford (286) and common prior employers such as Google (77).
Founders and chief executives12 of 10,437, from the best-funded companies on this page
Taulia, ex-Syncada, ex-Visa, INSA toulouse - Institut National des Sciences Appliquées de TOULOUSE, 1998
Prosper Marketplace, ex-Usaa, ex-Ford Motor Credit, Brigham Young University, 1996
Co-Founder Zeitgold & SumUp, ex-Puma, BCG. University of St Gallen BA 2006, Stanford Graduate School of Business MBA 2011
Ex-Twitter, Goldman Sachs, Lehman Brothers, Kraft Foods. United States Military Academy at West Point BS 1991, The Wharton School MBA 1999
Chime, ex-Green Dot, ex-Visa, Tulane University, 1995
Ex-Founder Paribus, Oliver Wyman. Harvard University BA 2011 & MS 2011
Devoted Health, ex-The White House, ex-White House Office Of Science And Technology Policy, Harvard University, 1994
CoFounder AvanzaMe Latin America, ex-CEO Vimenca Group, First Data.
United Healthcare, Dartmouth College.
Where the founders studied
alma mater on record for 1,910 of 10,437 founders
Stanford University286
Harvard University242
Harvard Business School156
University of Pennsylvania147
Massachusetts Institute of Technology136
University of California (Berkeley)116
Columbia University94
Cornell University94
Where they worked before
a previous employer on record for 539 of 10,437 founders
Google77
Microsoft77
Goldman Sachs74
McKinsey61
Facebook44
Morgan Stanley44
Amazon42
Paypal36
Founders flagged as repeat founders
of 8,965 founders with a profile on this page
153
carry a repeat-founder flag
- flagged as repeat founders153
- no repeat-founder flag8,812
Women and men among the founders
first names matched for 9,567 of 10,437 founders
10%
of matched founders are women
- women1,003
- men8,564
Inferred from first names, using 119 million people who state their own gender: a first name counts only where at least 20 of them share it and at least 90% of those share the same gender. The other 870 founders go in neither column.
Radar
Look up the people behind Fintech companies in the United States
Search founders, executives and operators by company, role and location.
Who funds Fintech in the United States
Summarizes 10,192 funding rounds since 2016 from 7,545 investors, with a typical round size of $5 million.
| Investor · most active investors since 2016 | Rounds | Led | Latest |
|---|---|---|---|
| Y Combinator | 418 | 182 | May 2026 |
| Techstars | 189 | 107 | Nov 2025 |
| Andreessen Horowitz | 124 | 60 | May 2026 |
| SVB | 93 | 15 | May 2026 |
| QED Investors | 90 | 46 | May 2026 |
| Plug and Play Tech Center | 89 | 38 | Mar 2026 |
| Commerce Ventures | 89 | 16 | May 2026 |
| General Catalyst | 85 | 30 | May 2026 |
| Lightspeed Venture Partners | 83 | 36 | Mar 2026 |
| Ribbit Capital | 79 | 27 | Apr 2026 |
Stage mix · rounds since 2016
Seed & Angel3,891
Series A–B3,398
Series C+ / PE1,130
Grants, debt & other1,773
The typical round is $5M — half were bigger, half smaller.
The biggest Fintech funding rounds in the United States
Highlights the largest disclosed funding rounds, including Stripe’s $6.9 billion Series I round, and lists ten other large recent rounds.
| Company | Round | Size | When | Backers |
|---|---|---|---|---|
| Series Imega-round | $6.9B | Mar 2023 | Thrive Capital, Andreessen Horowitz, Baillie Gifford +6 more | |
| Series Cmega-round | $3.5B | Mar 2021 | BDT & MSD Partners | |
| Series Hmega-round | $3.4B | Jan 2021 | Sequoia Capital, Ribbit Capital, Andreessen Horowitz +3 more | |
| Series Dmega-round | $2.1B | May 2025 | Fidelity Investments, Apollo Global Management, Gallatin Point Capital +2 more | |
| Series Bmega-round | $2B | Dec 2018 | Blackstone, Partners Group, Grand Sud Ouest Capital +1 more | |
| Series Dmega-round | $1.1B | Oct 2021 | Emerson Collective, SoftBank Vision Fund, Andreessen Horowitz +10 more | |
| Series Fmega-round | $1.1B | Aug 2021 | Sequoia Capital, SoftBank Vision Fund, General Atlantic +2 more | |
| Series Emega-round | $1B | Sep 2015 | Third Point Ventures, Wellington, IVP +4 more | |
| Series Bmega-round | $750M | Oct 2021 | WestCap, CDPQ | |
| Series Cmega-round | $725M | May 2022 | Guggenheim Investments, Oak Hill Advisors |
Venture round sizes · 2023–2025
<$1M340
$1–10M806
$10–50M519
$50–250M139
>$250M16
1,820 venture rounds with a disclosed amount in the window.
Fresh cheques · last 6 months
Conventional Debt$260MMay 2026
- Conventional Debt$200MMay 2026
Series D$200MMay 2026
Conventional Debt$175MMay 2026
Series B$160MMay 2026
Series D$150MMay 2026
Series C$40MMay 2026
Series C$25MMay 2026
How this industry appears in the news
Counts 903,370 news articles in the last year, showing the most covered topics such as cryptocurrency effects on forex and major economic indicators.
News volume
Fintech coverage across United States · articles per quarter
2021Q22026Q1
peak 322,117 in 2025Q1 · 903,370 articles in the last 12 tracked months
Tone of coverage
share of articles by dominant sentiment (positive / neutral / negative)
202120232025
Positive-tone share moved 67% → 64%, negative 32% → 34% across 2021–2025.
Most-covered companies · last 12 months
- 24,376
- 17,494
- 14,361
- 9,952
- 9,563
- 5,970
- 5,064
- 4,614
- 4,246
- 4,123
1,000 Fintech companies here were named in the news over this period.
Prism
Watch Fintech coverage in United States as it happens
Prism follows these subjects story by story — which companies are named, what is said about them and how the tone moves.
Fintech jobs in the United States: who is hiring and what they ask for
Reports 73,837 job postings from 2,370 fintech employers in 12 months, with median advertised salary $68 k and top skills like Python and SQL.
73,837postings · last 12 months
104,454postings tracked overall
2,370employers advertising
$68kmedian advertised salary/yr (n=10367)
Demand
The Skills Employers Ask For
What Fintech employers in the United States put in their job ads. The bar is how many postings ask for it; the arrow shows whether demand grew or shrank against the year before.
- python1,355▲
- excel1,223▲
- sql1,185▲
- tax return software1,025▲
- turbotax1,025▲
- aws802▲
- salesforce712▲
- react689▲
- typescript683▲
- microsoft office574▲
What level are these roles?
Entry6,496
Intern1,294
Senior9,840
Lead2,864
Manager17,173
What they pay, by level
- Manager$100k/yr (n=1777)
- Senior$115k/yr (n=861)
- Entry$50k/yr (n=1058)
- Lead$139k/yr (n=270)
- Intern$56k/yr (n=70)
Most advertised titles
- 1,730
- 1,356
- 1,165
- 818
- 756
- 692
17 internships were advertised in the last 12 months, across 14 of these companies.
What Fintech research in the United States is working on
Lists 907 U.S. academic papers on fintech, categorizing them into identified problems (193), cautions (88), and opportunities (425).
How this field talks about itself
United States-affiliated Fintech papers (gold) against all published research (grey)
Promising36.2% · 37.1%≈ par
Problem-identifying19.8% · 9.6%2.1×
Descriptive19.5% · 17.7%≈ par
Breakthrough10.7% · 26.4%0.4×
Cautionary9.7% · 4.4%2.2×
Comparative2.6% · 3.9%0.7×
How the work is done
Empirical41.6%
Reviews23.0%
Methods-led17.2%
Position pieces16.6%
Theoretical1.5%
How the research reads
92% positive · 1% neutral · 7% negative, across 907 papers.
The institutions doing the work · United States
- 667
- 654
- 653
- 643
- 623
- 307
ranked by how often their work is cited
Leading researchers · United States-affiliated work
Itay Goldstein · Wei Jiang · George Andrew Karolyi · Thomas Philippon · Andrei Kirilenko · Andrew W. Lo · Vikram Haksar · Dong He
The most-cited breakthroughs
- E.T.-RNN · 87 cites
- Evolutionary Approaches and the Construction of Technology-Driven Regulations · 79 cites
- Eagle Strategy Arithmetic Optimisation Algorithm with Optimal Deep Convolutional Forest Based FinTech Application for Hyper-automation · 32 cites
- FinTech and consumers: a systematic review and integrative framework · 28 cites
- Blockchain technology and real-time auditing: Transforming financial transparency and fraud detection in the Fintech industry · 12 cites
Common problems researchers identify893 papers · 7 recurring themes
Problems · theme 01
Mobile Payments Adoption Barriers
184 papers · 20.6% of this block
▲ +24% share2022→2025 share of research on this subject
Researchers examine obstacles and determinants affecting the uptake of mobile payment solutions.
Mobile payment · Payment · Cash · Mobile phone
“Determinants of Mobile Payments: An Empirical Analysis”
184 of these papers raise it as a problem
Problems · theme 02
Financial Crime Detection Challenges
169 papers · 18.9% of this block
▲ +38% share2022→2025 share of research on this subject
Papers discuss difficulties in identifying money laundering and fraud using current analytical methods.
Money laundering · Audit · Compliance · Financial fraud
“Graph Computing for Financial Crime and Fraud Detection: Trends, Challenges and Outlook”
169 of these papers raise it as a problem
Problems · theme 03
FinTech Inclusion and Regulation
158 papers · 17.7% of this block
▲ +91% share2022→2025 share of research on this subject
Studies highlight tensions between expanding financial inclusion through technology and existing regulatory frameworks.
Financial services · FinTech · Financial inclusion · Financial regulation
“FINANCIAL INCLUSION THROUGH TECHNOLOGY: A REVIEW OF TRENDS IN EMERGING MARKETS”
158 of these papers raise it as a problem
Problems · theme 04
High‑Frequency Trading Impacts
129 papers · 14.4% of this block
▲ +22% share2022→2025 share of research on this subject
Works explore how algorithmic and high‑frequency trading affect market dynamics and stability.
Algorithmic trading · High-frequency trading · Trading strategy · Electronic trading
“High-Frequency Trading and Its Impact on Markets”
129 of these papers raise it as a problem
Problems · theme 05
Payment Systems in Healthcare
114 papers · 12.8% of this block
▲ +27% share2022→2025 share of research on this subject
Analyses focus on inefficiencies and reform needs within medical payment and reimbursement structures.
Payment · Payment system · Health care · Reimbursement
“Reforming the Primary Care Physician Payment System”
114 of these papers raise it as a problem
Problems · theme 06
Portfolio Optimization Limits
96 papers · 10.8% of this block
▲ +10% share2022→2025 share of research on this subject
Research questions the feasibility of optimal portfolio construction under realistic forecasting constraints.
Portfolio · Portfolio optimization · Modern portfolio theory · Diversification
“In Defense of Portfolio Optimization: What If We Can Forecast?”
96 of these papers raise it as a problem
Problems · theme 07
Insider Trading Legal Issues
43 papers · 4.8% of this block
▼ -11% share2022→2025 share of research on this subject
Papers address legal complexities and enforcement challenges surrounding insider trading activities.
Insider trading · Insider · Alternative trading system · Securities Exchange Act of 1934
“Information, Privilege, Opportunity, and Insider Trading”
43 of these papers raise it as a problem
Cautions406 papers · 7 recurring themes
Cautions · theme 01
Algorithmic Trading Liquidity Risks
109 papers · 26.8% of this block
▲ +22% share2022→2025 share of research on this subject
Authors caution that automated trading may erode market liquidity and increase systemic vulnerability.
Algorithmic trading · High-frequency trading · Trading strategy · Market liquidity
“Computerized and High‐Frequency Trading”
109 of these papers raise it as a problem
Cautions · theme 02
Mobile Money Inclusion Risks
63 papers · 15.5% of this block
▲ +54% share2022→2025 share of research on this subject
Studies warn of transaction‑cost and security concerns that could hinder mobile payment expansion.
Mobile payment · Payment · Financial inclusion · Mobile banking
“Risk Sharing and Transactions Costs: Evidence from Kenya's Mobile Money Revolution”
63 of these papers raise it as a problem
Cautions · theme 03
Portfolio Allocation Uncertainty
62 papers · 15.3% of this block
▲ +9% share2022→2025 share of research on this subject
Research highlights the difficulty of reliably optimizing asset mixes amid stochastic market conditions.
Portfolio · Portfolio optimization · Diversification · Asset allocation
“Stochastic optimization of retirement portfolio asset allocations and withdrawals”
62 of these papers raise it as a problem
Cautions · theme 04
FinTech’s Complex Inclusion Effects
54 papers · 13.3% of this block
▲ +91% share2022→2025 share of research on this subject
Works caution that fintech interventions may produce unintended consequences for financial inclusion and equity.
Financial services · FinTech · Financial inclusion · Big data
“The Complex Implications of Fintech for Financial Inclusion”
54 of these papers raise it as a problem
Cautions · theme 05
Bias in Fraud Detection Models
51 papers · 12.6% of this block
→ -2% share2022→2025 share of research on this subject
Papers point out ethical and accuracy issues arising from biased machine‑learning approaches to fraud detection.
Financial fraud · Computer security · Audit · Accounting
“Artificial Intelligence, Machine Learning, and Bias In Finance: Toward Responsible Innovation”
51 of these papers raise it as a problem
Cautions · theme 06
Digital Currency Adoption Concerns
42 papers · 10.3% of this block
▲ +41% share2022→2025 share of research on this subject
Analyses raise questions about stability, governance, and consumer protection in cryptocurrency ecosystems.
Payment · Digital currency · Cryptocurrency · Virtual currency
“Bitcoin: Economics, Technology, and Governance”
42 of these papers raise it as a problem
Cautions · theme 07
Prospective Payment System Reforms
25 papers · 6.2% of this block
▲ +36% share2022→2025 share of research on this subject
Researchers advise careful evaluation of payment reforms to avoid unintended cost and quality impacts.
Prospective payment system · Payment · Payment system · Reimbursement
“Strategic Patient Discharge: The Case of Long-Term Care Hospitals”
25 of these papers raise it as a problem
Opportunities2,757 papers · 7 recurring themes
Opportunities · theme 01
Advanced Portfolio Optimization Techniques
821 papers · 29.8% of this block
▲ +10% share2022→2025 share of research on this subject
Opportunities focus on leveraging machine learning and econometric methods to improve portfolio construction.
Portfolio · Portfolio optimization · Modern portfolio theory · Econometrics
“Machine Learning and Portfolio Optimization”
Opportunities · theme 02
Graph‑Based Financial Fraud Detection
554 papers · 20.1% of this block
▲ +18% share2022→2025 share of research on this subject
Papers explore scalable graph analytics and explainable AI for more effective fraud identification.
Financial fraud · Graph · Database transaction · Computer security
“Fraud Detection using Machine Learning”
Opportunities · theme 03
Machine‑Learning‑Enhanced Trading Strategies
401 papers · 14.5% of this block
▲ +22% share2022→2025 share of research on this subject
Research investigates how AI can boost algorithmic and high‑frequency trading performance.
Algorithmic trading · Trading strategy · High-frequency trading · Pairs trade
“Algorithmic Trading Strategies: Leveraging Machine Learning Models for Enhanced Performance in the US Stock Market”
Opportunities · theme 04
Secure Mobile Payment Ecosystems
380 papers · 13.8% of this block
▲ +38% share2022→2025 share of research on this subject
Studies aim to strengthen trust and user adoption through improved security and reliability of mobile payments.
Mobile payment · Payment · Payment system · Marketing
“An Empirical Study of the Impacts of Perceived Security and Knowledge on Continuous Intention to Use Mobile Fintech Payment Services”
Opportunities · theme 05
FinTech for Financial Literacy
302 papers · 11.0% of this block
▲ +91% share2022→2025 share of research on this subject
Works propose using digital tools and big data to raise financial awareness and inclusion.
Financial services · FinTech · Financial inclusion · Financial literacy
“The Future of Finance: Fintech and Digital Transformation”
Opportunities · theme 06
AI‑Driven Credit Risk Modeling
159 papers · 5.8% of this block
▲ +4% share2022→2025 share of research on this subject
Papers highlight deep learning and reinforcement methods to enhance credit scoring and default prediction.
Credit risk · Loan · Gradient boosting · Default
“A Dynamic Credit Risk Assessment Model Based on Deep Reinforcement Learning”
Opportunities · theme 07
Enhanced Credit Card Fraud Detection
140 papers · 5.1% of this block
▼ -37% share2022→2025 share of research on this subject
Research focuses on novel machine‑learning frameworks to improve detection of credit‑card fraud.
Credit card fraud · Credit card · Computer security · Database transaction
“An improved machine learning technique for credit card fraud detection”
Which of these themes are growing fastest
Tracks the changing share of research themes in fintech from 2022 to 2025.
Problems
how much more (or less) of the world’s research on this subject each theme took up, 2022→2025
gaining sharelosing share
FinTech Inclusion and Regulation▲+91%
Financial Crime Detection Challenges▲+38%
Payment Systems in Healthcare▲+27%
Mobile Payments Adoption Barriers▲+24%
High‑Frequency Trading Impacts▲+22%
Portfolio Optimization Limits▲+10%
Insider Trading Legal Issues▼-11%
Cautions
how much more (or less) of the world’s research on this subject each theme took up, 2022→2025
gaining sharelosing share
FinTech’s Complex Inclusion Effects▲+91%
Mobile Money Inclusion Risks▲+54%
Digital Currency Adoption Concerns▲+41%
Prospective Payment System Reforms▲+36%
Algorithmic Trading Liquidity Risks▲+22%
Portfolio Allocation Uncertainty▲+9%
Bias in Fraud Detection Models▼-2%
Opportunities
how much more (or less) of the world’s research on this subject each theme took up, 2022→2025
gaining sharelosing share
FinTech for Financial Literacy▲+91%
Secure Mobile Payment Ecosystems▲+38%
Machine‑Learning‑Enhanced Trading Strategies▲+22%
Graph‑Based Financial Fraud Detection▲+18%
Advanced Portfolio Optimization Techniques▲+10%
AI‑Driven Credit Risk Modeling▲+4%
Enhanced Credit Card Fraud Detection▼-37%
Prism
Go deeper on Fintech research and innovation
Research themes, patent activity and the companies commercialising them, in one place.
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Track Fintech in the United States beyond this page
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About this data: built from Fliar's company, founder, funding, hiring, jobs, news and research trackers, covering the United States. Counts are of companies we track, not of every company that exists. Updated September 2026.
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Where demand signals run ahead of mapped supply — the United States
Every demand signal in the United States’s newsflow, measured as a share of the country’s own coverage (2025-07-01 to 2026-07-01, against the year before), then scored beside family-matched supply — the companies in each signal’s mapped fintech categories — as within-page percentiles. The gap is signal percentile minus supply percentile — a prioritisation clue in percentile points, not a market size.
The opportunity, in one view
signal family
signal pctile
supply pctile
gap · bar scaled to ±42.9 pts
gap pts
vs prior yr
Crypto & digital assetsadoption shift
signal pctile42.9
supply pctile0th percentile
gap pts+42.9
vs prior yr▲ +35.5%
Market volatilitymacro pressure
signal pctile57.1
supply pctile16.7
gap pts+40.4
vs prior yr▲ +53.2%
Fraud, scams & consumer trusttrust friction
signal pctile71.4
supply pctile41.7
gap pts+29.7
vs prior yr▲ +92.6%
Layoffs & income shocksspending pressure
signal pctile85.7
supply pctile100
gap pts-14.3
vs prior yr▲ +57.7%
Interest rates & policymacro pressure
signal pctile50
supply pctile75
gap pts-25
vs prior yr▲ +30.1%
Financial inclusiondemand driver
signal pctile14.3
supply pctile41.7
gap pts-27.4
vs prior yr▲ +43.3%
Lending & credit accessdemand driver
signal pctile35.7
supply pctile75
gap pts-39.3
vs prior yr▲ +51.2%
Data & privacy regulationcompliance pressure
signal pctile42.9
supply pctile—
this page’s market map carries no matching category
gap pts—
vs prior yr▲ +55.4%
Where the signals are loudest
Each region’s reading is a share of its own coverage, so a loud smaller region can outrank a large one; rows follow each story’s primary region tag.
region
signal /10k articles · bar scaled to top row
top families
Utah
top familiesCrypto & digital assets, Market volatility, Interest rates & policy
Oklahoma
top familiesCrypto & digital assets, Layoffs & income shocks, Market volatility
Tennessee
top familiesInterest rates & policy, Layoffs & income shocks, Market volatility
Connecticut
top familiesLayoffs & income shocks, Crypto & digital assets, Fraud, scams & consumer trust
Oregon
top familiesLayoffs & income shocks, Interest rates & policy, Fraud, scams & consumer trust
Arizona
top familiesLayoffs & income shocks, Interest rates & policy, Market volatility
Arkansas
top familiesLayoffs & income shocks, Lending & credit access, Interest rates & policy
Iowa
top familiesLayoffs & income shocks, Fraud, scams & consumer trust, Interest rates & policy
Kentucky
top familiesLayoffs & income shocks, Lending & credit access, Financial inclusion
Delaware
top familiesCrypto & digital assets, Layoffs & income shocks, Fraud, scams & consumer trust
showing the ten highest-signal regions of 12 readings.
Inside the three leading signals
+42.9 percentile-point gap
Crypto & digital assets
the operating hypothesis
Crypto cycles can pull exchange, wallet and compliance demand in waves.
14.38 /10k articles, 12-month share ▲ +35.5% vs prior yr
quarterly share /10k
2024Q32026Q2
where it concentrates · /10k of that region’s coverage
Utah105.9
Oklahoma98.3
Delaware23.5
+40.4 percentile-point gap
Market volatility
the operating hypothesis
Volatility can drive trading, hedging and advice-seeking in the same week it spikes.
12.7 /10k articles, 12-month share ▲ +53.2% vs prior yr
quarterly share /10k
2024Q32026Q2
where it concentrates · /10k of that region’s coverage
Utah24.6
Tennessee16.2
Oklahoma11.2
+29.7 percentile-point gap
Fraud, scams & consumer trust
the operating hypothesis
Trust friction can reward whoever fixes service, complaints and fraud handling.
6.39 /10k articles, 12-month share ▲ +92.6% vs prior yr
quarterly share /10k
2024Q32026Q2
where it concentrates · /10k of that region’s coverage
Connecticut15.8
Maryland12.9
Iowa10.8
For who is hiring, raising and leading here, see this page’s leader boards and market map above.
Related research & where the coverage is heading
The research below carries both a fintech term and this page’s geography in its title — context for the boards above, not proof of any single number. The keywords are the fastest-growing terms in the United States coverage of this page's demand families, measured as a share of that coverage year-over-year so volume drift cancels.
Related research · fintech in the United States
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“The convergence of racial and income disparities in health insurance coverage in the United States”
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“The Impact of ESG Scores on Bank Market Value? Evidence from the U.S. Banking Industry”
What’s growing in this coverage
patent infringement
394 articles, last 12mo
cyber liability
254 articles, last 12mo
privacy policies
207 articles, last 12mo
arbitration clause
170 articles, last 12mo
ip litigation
547 articles, last 12mo
antitrust investigations
635 articles, last 12mo
Prism
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