TOP-10 fintechs in the world by their capitalization (Filed under Fintech)

TOP-10 fintechs in the world by their capitalization (Rubric #Fintech)

I have followed with great interest the development and plans of the world bigtechs, but suddenly I realized that I do not pay the same attention to players from the financial market closer to me. In this post, I decided to correct it and tell you about the TOP.10 Fintech. For each company, information on capitalization, year of foundation, number of employees, key business products, features of IT infrastructure and development plans are provided. This is a list in format: name (foundation)Capitalization of billions of dollars, state, what is the main product (single sentence)wherein (vs cloud or hybrid)What is the development plan?

1. Visa (1958), 694 USD billion, 31k employees, global payment system 4 own DC + cloud integration for customers, growth beyond the card business 2. Tencent (1998), 607 USD billion, 105k employees, WeChat mobile payment and financial services super app, Tencent Cloud proprietary cloud platform + hyperscale data centers, global expansion of fintech products 3. Mastercard (1966), 529 USD billion, 35k employees, multi-rail platform for card and instant payments, private cloud + AWS/Azure, growth with a focus on open banking and analytics 4. Intuit (1983), 185 USD billion, 18k employees, SaaS platform for tax and accounting (TurboTax, QuickBooks), entirely in AWS, bet for growth on generative AI 5. Stripe (2010), 91 billion dollars. 85k employees, API infrastructure for online payments and financial services, cloud architecture (AWS)Expansion plan in offline and international markets 6. Fiserv (1984), 88 USD billion, 38k employees, processing and IT services for banks and retail, hybrid IT infrastructure (legacy + cloud)Plan to modernize platforms and expand POS business 7. Ant Group (2014), 79 billion dollars. 16.6k employees, Alipay and the financial services ecosystem in China, Alibaba cloud + its OceanBase, Alipay+ expansion plan and fintech B2B services 8. PayPal (1998), 70 24k employees, a global online payment and wallet system (including Venmo), hybrid IT (DC + GCP/Azure)Bet on AI, Crypto and Offline Commerce 9. Nubank (2013), 63 billion dollars. 77k employees, digital bank No.1 Latin America, AWS Cloud, LatAm Expansion and FinTech Platform Launch 10. Coinbase (2012), 62 billion dollars. 3.7k employees, crypto exchange and custodial services, cloud architecture + own nodes, global growth and development of Coinbase Cloud

All in all, we see what we have.

• 2 Old-style companies with their own DC: Visa, Mastercard. They live in their DC+ clouds, either for the convenience of connecting customers or for new workloads like AI.
• 2 Companies with a hybrid approach: PayPal, Fiserv. They combine their servers and cloud power. For example, PayPal is moving a significant portion of services to Google Cloud while remaining in a hybrid model.
• 4 Companies on top of the cloud: Stripe, Nubank, Coinbase, Intuit. The first three were originally built as cloud-native, and the last moved to the cloud in the area. 2018 year
• 2 Fintech on top of bigtech: Tencent (WeChat Pay) and Ant Group (AliPay). They live on top of the clouds from their bigtech parents: Tencent Cloud and Alibaba Cloud, which means they can practice vertical integration like hyperscalers.

#Infrastructure #Architecture #Fintech #Strategy #Engineering #Software #DevOps