2001 Cards Innovation Lending 
Fintech Labs Insights
APRIL 12, 2024
The last one, published in Jan 2014, featured 50 innovations (see below). Note: These are the rankings from 10 years ago. I will update with milestones from 2014 to today and publish next month. I’m taking suggestions here (so far: crypto, BNPL, earned-wage access, chatbots, deposit networks).
PYMNTS
JUNE 10, 2019
Stripe rolled out chargeback protection, Apple rolled out its take on sign-in authentication , Mastercard launched an open banking platform and Visa and Western Union paired on a global push to card payments – and those are just the top headlines. Finn accounts will now be changed over to Chase accounts.
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PYMNTS
SEPTEMBER 18, 2017
That year, two grocery store owners opened a small business to help merchants trade financial information that would make it easier for all of them to access that information and make lending decisions. The credit score itself, the FICO score, was an innovation brought to market in 1989 by the Fair Isaac Corporation.
Fintech Labs Insights
NOVEMBER 19, 2021
Naturally, we were excited about it, naming it the biggest innovation of the year. Unfortunately, we didn’t track when the first business loan application went online, but it was likely a few years later, let’s call it 2000/2001. Top 30 Alt-Lenders (Digital) Lending to Small-to-Medium Businesses (SMB) in the United States.
Fintech Labs Insights
NOVEMBER 19, 2021
Naturally, we were excited about it, naming it the biggest innovation of the year. Unfortunately, we didn’t track when the first business loan application went online, but it was likely a few years later, let’s call it 2000/2001. Top 30 Alt-Lenders (Digital) Lending to Small-to-Medium Businesses (SMB) in the United States.
Fintech Labs Insights
NOVEMBER 19, 2021
Naturally, we were excited about it, naming it the biggest innovation of the year. Unfortunately, we didn’t track when the first business loan application went online, but it was likely a few years later, let’s call it 2000/2001. Top 30 Alt-Lenders (Digital) Lending to Small-to-Medium Businesses (SMB) in the United States.
CB Insights
MAY 23, 2019
Few places are more receptive to new ideas and innovative business models than Silicon Valley. WrkRiot’s short-lived house of cards falls down. LendingClub was one of many online lending services founded in the mid-2000s as entrepreneurs eyed the Byzantine financial sector as an area ripe for disruption.
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