Pay -> Twint is a very easy to use app which connects to all swiss bank accounts and allow easy and fast payments for shopping and also between users of different banks
Invest -> SwissBorg, I don’t think I need to elaborate 
Borrow-> Cembra.ch seems to be a very quick and userfriendly website where in few click you can borrow money (never used so don’t quote me on this)
Save-> inyova.ch allows to earn money with a sustainable savings plan
Lend-> lend.ch allows crowd-lending peer to peer
Insurance-> did not find anything interesting, the market in switzerland is well covered by online offering of big insurances (maybe I’m not informed enough)
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So I looked around on Google Earth for FinTech companies with headquarters within commuting range of my current home. I wasn’t actually able to find a FinTech savings solution…and that may be an opportunity.
- Pay : In my country, there are the following options: Nequi, Daviplata
- Investments: Couldn’t find any
- Borrowing : Movii
- Saving: Couldn’t find any
- Lending : Don’t exist
- Insurance: Rappi
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Fintechs for the 6 pillars of finance:
Savings: Edfundo - This basically is a bank account for kids on an app that allows them to store and use their money.
Payments: Beam wallet - This is a payment app like Apple Pay or google pay.
Investment: Sarwa - This app allows the user to manage their investments.
Borrowing: deem.io - This app allows the users to access loans more conveniently
Lending: beehive.ae - This app allows businesses to access loans.
Insurance: axa.ae - This is an insurance app
Pay: Paytm is an Indian payment system utilizing Unified Payments Interface (UPI) is an instant real-time [payment system developed by [National Payments Corporation of India] (NPCI) facilitating inter-bank [peer-to-peer (P2P) and person-to-merchant (P2M) transactions.
Invest: Coindcx is a cryptocurrecy exchange with liquidity of muliple international exchanges.
Borrow: Lendingkart Technologies Private Limited has developed technology tools based on big data analysis which facilitates lenders to evaluate borrower’s creditworthiness and provides other related services.
Saving: Jupiter provides products including savings accounts, investments, and lending services to its target audience.
Lending: Lendingkart is a a digital lending platform for SMEs founded in 2014 by Harshvardhan Lunia and Mukul Sachan. Lendingkart Group compromises Lendingkart Finance Limited and Lendingkart Technologies Private Limited.
Insurance: PlumHQ aims to bridge this gap by helping small organizations to buy insurance products for their organization. SMBs can get insurance quotes within minutes by entering basic information about the organization, a number of employees, and the required insurance benefits.
1)Pay - https://www.pitakamo.online/ PitakaMo provides a wallet based payment solution for consumers, It features a solution for bill payments, credit & debit card payments, online payments, money transfer, mobile top-up, travel booking, insurance management, and more. Its application is available for Android and IOS devices.
2)Invest - https://www.cboevest.com/
3)Borrow - https://www.andeno.com/ Online platform for personal loans. It allows individuals to apply for personal financing by registering on its online platform. It offers loans for vacations, debt consolidations, career growth, unforeseen expenses, and more.
4)Save - https://zenus.com/ Online bank
5)Lend – Sofi.com
6)Insure - https://aseguratec.com/ Aseguratec is an auto insurance comparison platform that lets users compare and buy car insurance online. It has partnered with insurance carriers such as Mapfre, One Alliance, Guardian etc. The company also distributes cancer insurance through the platform
- Payments: Paypal, Stripe, Transferwise
- Investments: eToro, Libertex, XTB
- Lending: Mintos, Estateguru, IUVO-group p2p
- Borrowing: Nibble Finance, Brickstarter, Estateguru
- Savings: Hype, Money manager, Monefy
- Insurance: Nexus mutual, Insur.ace, Facile.it (Finds best insurance quotes for auto insurance and others)
Fintech in Lagos, Nigeria
Payments: Flutterwave
Investments: FarmCrowdy
Borrowing/Lending: Renmoney
Saving: PiggyVest
Insurance: Tangerine
Fintech in Argentina
Payments: Ualá
Investments: Investoland
Borrowing/Lending: Afluenta
Saving: Bondarea
Insurance: 123Seguro
In New Zealand there is a conglomerate called FintechNZ that encourages and supports startups and IPOs and includes divisions like WealthtechNZ and Insuretech and so on.
There is an online company called Sharsies that is quite successful and trades on the ASX. (Investing)
All banks employ fintech through ATMs and general processing. NZ was the first country in the world to adopt EFTPOS in the 80s. Its a good small population to test case a lot of innovations, like skis for instance. New skis get tested in NZ, if they are any good and popular then they roll them out the next season in North America and Europe.
Insuretech is being rolled out but I don’t know the company.
But savings, loans (and borrowing) have existed electronically for years back home.
But as I read more on it, the technological innovation some people are raving about is shortly about to become obsolete with the advent of Defi.
Unless these companies semi adopt blockchain development I think they will go the way of the Dodo.
So there’s opportunity right there.
Belgium:
Payment: FinFlag provides solutions in the payment industrie. It provides a no-code platform for
business application in Financial Services aiming at making back-offices as flexible as front-offices.
Investing: public.com
Borrowing: Klarna
Savings: PayFit
Lending: Brex
Insuring: RiskConcile is a companie that works in the risk management and compliance
I define GERMANY for my region, because this is difficult enough 
Payment: PAYDIREKT.de - A service like Paypal where you can pay directly on many online shops in germany with an existing german bank account and without delay.
Investements: TRADEREPUBLIC.com - A german investement broker for investing in stocks etf or cryptocurrencies
Borrowing: DKB.de is a online bank where you can also borrow Fiat “money”
Saving: N26.com - A Neo bank with savings option
Lending: AUXMONEY.com - Here you can lend as a private person for higher interest without a bank as an intermediate of high fees.
Insurance: FRIDAY.de Online insurance provider
Justfi- Focused on payment solutions for Saas businesses
Envestnet- Fintech Investment/financial services
Coterie-Coterie integrates insurance into platforms and processes that businesses, contractors, and gig workers already use, unlocking protection in minutes. Their tech-based approach to business insurance uses data-driven automation, providing accurate, affordable coverage – without the hassle
Akru- The company offers investors fractionalized ownership in the form of security tokens and enables instantaneous transactions to be recorded on an immutable ledger, building investor trust, thereby allowing users to invest and prosper.
Struxtion- one of the first online financial solution built specifically for subcontractors. Struxtion was born from the desire to remove the financial obstacles that so many Subcontractors face in growing their business, allowing them to focus on the work, and the growth, and not fear the need for capital.
10XTS- 10XTS is the developer of record management systems designed to make connecting things to blockchain easy. The company’s blockchain-powered platform makes it simple to develop trustworthy records information management solutions that are seamlessly connected by a suite of standards, business processes, digital tools, and APIs, thereby enabling helps governments and enterprises to achieve automation, efficiency, and trust. Founder and CEO Michael Hiles is a dynamic, always-on entrepreneur and contributor to our Greater Cincinnati’s innovation ecosystem.
1. Save: Acorn
- Acorns rounds up all transactions to the nearest dollar and invests the difference. This spare change strategy means if you buy a latte for $4.50, Acorns will round up to $5 and invest 50 cents.
2. Paying: Flex
The company covers rent payments and allows customers to pay back amounts on their own schedules, creating a more flexible payment experience.
3. Borrowing: ZIP.
ZIP = Buy now / Pay later.
4. Lending: Earnest
Uses its Precision Pricing tool to determine individualized student and personal loans.
5. Investing: Guideline.
Administers 401(k) plans for small businesses.
6. Insurance: Coalition.
Combines cybersecurity insurance with proactive monitoring tools to help small and medium-sized businesses manage cyber risk
pay - peach payments
invest - satrix.co.za
borrow - rcs.co.za
save - uasv.co.za
lend - directaxis.co.za
insure - naked.insure
country is South Africa
PAY: Stripe, PayU, MobilPay, Euplatesc.ro = online payment platforms that can be used by ecommerce players + Revolut (international/SEPA transfers)
INVEST: Revolut, Etoro = stocks and Crypto-focused investments;
BORROW: VivaCredit, Provident = Borrow money online
SAVE: Revolut
LEND: Mintos
INSURANCE: Signal Iduna
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Pay: MobilPay
Invest: Revolut, Etoro
Borrow: Provident
Save: Revolut
Lend: Mintos
Insurance: Zipari
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Mexico city:
pay : bitso , clip
invest: Konfio , kubo.financiero
borrow: Konfio
saving: finerio , kubo.financiero
lending: alphacredit
insure: mango.life
Atlanta, GA:
pay: global payments Inc.
invest: Ryze, cappio, inveshare
borrow: greensky, bZx,
saving:
lending: fiserv, kabbage
insurance: layr, atlas insuretech,
Payments
https://www.silamoney.com/ Sila is the money API for fintech businesses. Sila stands alone in that it offers the unique combination of industry-leading technology, access to a network of pre-approved partners in the fintech marketplace, and deep industry expertise and thought leadership.
https://routable.com/ Routable is a B2B payments platform built to make bill payments and mass payouts fast and seamless. Unlike other payment platforms, Routable’s modern, easy-to-use API allows you to build a powerful payments infrastructure in minutes.
https://gocardless.com/en-us/partners/ GoCardless lets businesses send and receive payments directly between bank accounts. Whether domestic or international, one-off or recurring, scheduled or instant. GoCardless does it all – quick, easy, and secure.
Borrowing
https://www.preapprovemeapp.com/ We built a new type of Loan Application, that focusses on giving your customers what their looking for. Our approach to building a digital 1003 was simple, don’t overwhelm the customer, and we believe we did just that. Customers will be presented with easy, bite sized sections that they can sift through at their speed.
https://www.oppfi.com/ To facilitate safe, simple and more affordable credit access to the 60 million² everyday Americans who currently lack traditional options while rebuilding their financial health.
https://www.earnest.com/ You’ve got this. We’re here to help you pay for college or refinance if you have student loans.
Lending
https://www.bakerhill.com/ A Loan Origination System Built for the Needs of Banks & Credit Unions.
https://www.prosper.com/ Smart, simple tools for borrowing, saving & earning. Also allows individuals to supply capital for lending, savings to others.
https://www.upstart.com/ Grow your consumer loan portfolio, approve more borrowers, and provide an exceptional digital experience. For businesses who make loans.
Saving
https://www.builtinseattle.com/company/gemini Gemini is a licensed digital asset exchange and custodian. We built the Gemini platform so customers can buy, sell, and store digital assets (e.g., Bitcoin, Ethereum, and Zcash) in a regulated, secure, and compliant manner.
https://apexfintechsolutions.com/ Our clients pursue a vast and expanding array of goals. They come to us as start-ups, established players, industry titans, or thriving enterprises ready to explore new markets. We innovate in several directions at once because they all deserve scalable solutions for the path ahead.
https://www.varomoney.com/ Money shouldn’t just work for some of us. It should work for all of us.
Investing
https://bumped.com/ Up-level your existing loyalty program by giving customers the option to convert points for stock rewards, or build from scratch with Bumped-hosted platforms.
https://miradorllc.com/ Our Middle Office Services team acts as an extension of your staff to perform a multitude of tasks such as; account opening; money movement; direct trade execution; private investment management; billing and much more. This not only clears your day, it lets you sleep at night.
https://www.campbellglobal.com/ Campbell Global is a leading global investment manager focused on forestland. We are widely recognized as an authority on both forest management and timberland investing.
Insuring
https://www.fortegra.com/ Fortegra offers a variety of innovative insurance and reinsurance products, from consumer protection products to specialty program insurance.
https://slice.is/ We partner with MGAs and Wholesalers to distribute our white labeled or co-branded small business insurance products.
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Australia
1. Pay:
Afterpay - Buy now, pay later service, that splits purchases into 4 interest free instalments.
2. Saving:
Ubank - an online bank with low overheads.
3. Borrow:
Lendi.com.au - A fintech for online home loans.
4. Lending
Plenti - Invest in loans and lend to creditworthy borrowers across Australia.
5. Invest:
Superhero - DIY platform that allows users to invest and trade Aussie and US shares online.
6. Insurance:
Huddle / Bingle - Car and home and contents insurance.
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