Investment activity in fintech worldwide 2010-2024

Global fintech investments experienced a substantial increase from 2010 to 2019, reaching their highest point at 216.8 billion U.S. dollars. In 2020, investments fell sharply to under 124 billion U.S. dollars, before recovering strongly in 2021 to exceed 239 billion U.S. dollars. Following this 2021 peak, fintech investment levels declined significantly, with 2024 recording the lowest investment value since 2017. Throughout these fluctuations, the Americas consistently attracted the majority of investments, representing over half of the total global investment volume.

Fintech revolution: North America lead the charge

Fintech refers to innovative startups in the financial sector that leverage modern technology to revolutionize financial services. These companies develop digitally enhanced products, offering widespread access to financial services at lower costs compared to traditional institutions. Their solutions often improve efficiency, accessibility, and user experience in various financial operations. As of 2024, the North America led the global fintech landscape with over 12,000 fintech businesses, establishing the region as the world's premier hub for financial technology innovation. 

Which is the largest fintech unicorn in the U.S.?

In 2024, Stripe, a San Francisco-based payment processing services company, led the U.S. fintech unicorn sector with a valuation of 65 billion U.S. dollars. This positioned Stripe as the most valuable fintech company in the United States. Following Stripe was Chime, another significant player in the fintech space, valued at 25 billion U.S. dollars. The substantial valuations of these companies underscore the growing importance and financial clout of innovative payment and banking solutions in the U.S. financial technology landscape.