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Klarna is the largest pure-play in the buy now, pay later space. The company operates a two-sided network with a payment method at its core, but it is ultimately a lender. Merchants sign up with Klarna to increase turnover in their stores. Primarily, Klarna can provide merchants with higher conversion rates and average order values relative to other payment methods. Some merchants enter a symbiotic relationship with Klarna, advertising its brand on the product page to drive conversion and to benefit from Klarna’s brand value in the merchant’s sales funnel. Customers use Klarna for its ease of use, quick access to credit, zero-interest financing, and lower reminder fees.

Plata is a Mexico City-based fintech providing a no-annual-fee Mastercard credit card and buy-now-pay-later service. The platform offers up to 15% customizable cashback in partner categories, interest-free installments, Apple Pay support, and 24/7 fraud monitoring. Plata Difiere extends installment credit up to MXN 200,000 over 3-24 months without cards. Users manage digital cards and top-ups via app or cash at OXXO stores, targeting underserved consumers in Mexico's digital payments market.

Sezzle Inc is a financing institution that offers technology-driven payment platform. It allows customers to split their purchase into four installments and pay over 6 weeks with only the first payment due at the time of purchase. Companies operations comprise one reportable segment, the majority of which derives revenue from payment processing platform in North America.

Jio Financial Services Ltd is a core investment company, non-deposit taking, systemically important (CIC-ND-SI). Along with its subsidiaries, joint ventures, and associates, it is engaged in the business of Investing and Financing, mainly Leasing, Insurance broking, Payment Bank, Payment Aggregator, and Payment Gateway services.

Ualá is an Argentine fintech company offering a mobile-based financial ecosystem that includes Mastercard prepaid and debit cards, credit cards, savings accounts, personal loans, investment products, insurance, and merchant payment services. Founded in 2017 by Pierpaolo Barbieri and headquartered in Buenos Aires, the platform originally launched as a prepaid card provider and has since expanded into a full-service digital banking operation. Ualá serves over 11 million customers across Argentina, Mexico, and Colombia, with roughly one in five Argentine adults holding an account. The company acquired Mexican bank ABC Capital, granting it a local banking license to offer deposit and lending products in that market. Backed by investors including Allianz X, SoftBank, Tencent, Goldman Sachs Asset Management, and Soros Fund Management, Ualá reached a valuation of $3.2 billion following a $195 million funding round in March 2026.

Zip is a credit provider operating two segments: Australia and New Zealand, and the US. Founded in Australia in 2013, it has over 6 million active customers and partners with over 85,000 merchants. In Australia, Zip positions itself as a credit card alternative, with several revolving credit products. Customers can carry the balance over time with a monthly fee and set their own repayment schedule. The US and New Zealand offering is a far more vanilla BNPL offering: Pay-in-4 in New Zealand and Pay-in-Z in the US, where customers pay back in fixed instalments. The US segment is built on the 2020 acquisition of QuadPay and has recently become Zip’s largest and fastest-growing segment.

Jiedaibao is a Beijing-headquartered mobile platform launched in 2015 for peer-to-peer lending and borrowing. The app allows users to set independent interest rates, automatically generates legal electronic contracts, and sends reminders for repayments and expirations, supporting flexible personal loan arrangements.

Wealthsimple is a Toronto-headquartered neobank offering automated investing, commission-free trading of stocks, ETFs, options, and cryptocurrencies, plus chequing accounts with 2.75 percent interest. Users build managed portfolios from $1 with 0.4-0.5 percent fees, file taxes via SimpleTax, and access credit cards. Serving 2 million Canadians, it holds banking licenses from major regulators.

Mynt is a Philippines-based digital finance super app from Globe Telecom, Ayala Corporation, and Ant Financial. Launched in 2017 as GCash operator via Mynt, it provides payments, remittances, microloans, business tools, and open platforms. Manila-headquartered, Mynt serves 80 million users with GSave deposits, GInsure policies, and GCredit lending. It leads Southeast Asia's mobile wallet market through QR payments and biller networks.

Lendable is a London-based peer-to-peer lending marketplace matching individual investors with personal loan borrowers in the United Kingdom. The platform processes applications in minutes without paperwork, funding loans from investor deposits.

CRED is a members-only platform in India for managing credit card bills with rewards for timely payments. Users access an app that tracks spending across multiple cards, sends reminders, and offers exclusive deals from luxury brands like Louis Vuitton and Mercedes-Benz. Bengaluru-headquartered and launched in 2018, CRED processes billions in bill payments monthly. It partners with over 200 banks including HDFC and ICICI, providing cashback and premium membership perks.

Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.

Formed by a combination of JCPenney’s credit card processing unit and The Limited’s credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company’s most financially significant unit is its credit card business that partners with retailers to jointly market Bread’s credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.

Creditas is a São Paulo-headquartered fintech offering asset-backed consumer loans through its app to 5 million Brazilians. Borrowers pledge autos, motorcycles, or home equity for credit lines up to 200,000 reais at rates 40% below market averages. Operating in 1,600 cities since 2012 rebrand from BankFacil, it partners with BV and Itaú for funding, disbursing 10 billion reais yearly with AI underwriting.

Kaspi.kz JSC is the payment, marketplace, and Fintech ecosystem in Kazakhstan. The firm provides interconnected technologically seamless products and services that help people to pay, shop and manage their finances. Its operating segment includes the Payments Platform that connects its customers, which consist of both consumers and merchants, to facilitate cashless, digital transactions, the Marketplace Platform, which derives maximum revenue, connects merchants and consumers enabling merchants to increase their sales and consumers to buy a broad selection of products and services offered by a variety of merchants, and Fintech Platform that enables customers to manage their personal finances online and access consumer finance and deposit products through the Kaspi.kz Super App.

OakNorth is a digital bank providing loans to small and medium enterprises overlooked by traditional lenders. London-headquartered, the neobank offers secured property finance, working capital facilities, and term loans for hospitality, social housing, education, and healthcare sectors across the UK. It uses AI-powered credit analysis for rapid underwriting. Founded in 2015, OakNorth supports developers and operators with tailored debt products.

Capri Global Capital Ltd provides financial services. The company is engaged in providing loans to Micro, Small and Medium Enterprises (MSMEs), providing long term finance for the construction of residential houses, retail lending, gold loan, and ancillary services. It generates maximum revenue from the interest income. Geographically, it operates only in India.

SoFi is a financial-services company that was founded in 2011 and is based in San Francisco. Initially known for its student loan refinancing business, the company has expanded its product offerings to include personal loans, credit cards, mortgages, investment accounts, banking services, and financial planning. The company intends to be a one-stop shop for its clients' finances and operates solely through its mobile app and website. Through its acquisition of Galileo in 2020, the company also offers payment and account services for debit cards and digital banking.