Based in : US Company : Plaid Market cap : US $ 13.4bn

Open banking fintech Plaid has built up a network spanning 12,000 financial institutions across the US , Canada , UK and Europe . It was founded in 2013 by William Hockey and Zach Perret , who continues to lead the business to this day . Perret is rarely pictured without a smile beaming across his face , and for good reason – he has transformed Plaid into a US $ 13bn business and attracted over US $ 730mn of investment , earning himself a place inside our top 10 .

Based in : US Company : Chime Market cap : US $ 25bn

Chime CEO and Co-founder Chris Britt can count himself unlucky to be so far down this list . Although the challenger bank has a valuation of US $ 25bn , its much-rumoured IPO is likely to rate it more highly . When he launched Chime nearly a decade ago , he had extensive experience in financial services with Visa and Green Dot . So it ’ s no surprise that he ’ s built the most popular banking app in the US and attracted US $ 1.7bn of backing in the process . fintechmagazine . com 143