1 | Fintech Innovators 2016 1 2016 FINTECH100 Leading Global Fintech InnovatorsACCOUNTING (1) PAYMENTS (18) DATA it has 200 of them, but we have an opportunity to use Internet methods, Internet technology, Internet thinking to disrupt traditional finance.” - Lucy Peng At a Glance Tagline: Bring small and beautiful changes to the world Located: China Year Founded: 2004 Key People: Lucy Peng, Executive Chair and CEO Website: antgroup/ Category: Payments Ownership: Private 01 Ant FinancialFintech Innovators 2016 | 2 Company Description Qudian is a student Micro-loan Site, an installment payment and investment management platform. Qudian Group operates two main business platforms: a consumer finance platform and a micro credit lending platform. Its aim has been to broaden the scope of financing available to the many consumers in China that do not currently use credit cards. The company has a substantial number of registered users and offers credit to young and middle aged consumers. The group has established several formal partnerships with companies engaged in financial services, e-commence, digital services, FMGG and other sectors. 02 Qudian Staff Undisclosed Size$ Enabler / Disruptor Rank Last Year 04 “Beijingbased Qudian, recently completed US$ 9digit Series E funding round and will soon announce investors and specific funding amounts. We also rolled out a new product, Quzu, which allows users to pay their apartment rent in installments.” - Luo Min At a Glance Tagline: Zero down payment installments Located: China Year Founded: 2014 Key People: Luo Min, Founder and CEO Yang Jiakang, CFO Website: qd.qufenqi/ Category: Lending Ownership: Private 3 | Fintech Innovators 2016 03 Oscar Company Description Oscar is a health insurance company that employs technology, design, and data to humanise health care. With a team of technology and healthcare experts, Oscar looked at the current state of the US healthcare system, and were frustrated by the consumer experience. In response, they decided to revive how healthcare is delivered. They are reinventing how to manage care, process medical claims, control healthcare costs, and provide transparency. With all the complexity hidden behind an easy experience for members. Oscar is making the healthcare system simple, smart and friendly. Staff Size$ Enabler / Disruptor Rank Last Year 02 “We started three years ago with the very distinct idea of creating a better user interface for healthcare, and most specifically health insurance.” - Mario Schlosser At a Glance Tagline: Simple health insurance, smart health care. Located: United States Year Founded: 2013 Key People: Mario Schlosser, Co-Founder and CEO Joshua Kushner, Co-Founder Website: hioscar/ Category: Insurance Ownership: PrivateFintech Innovators 2016 | 4 Company Description Lufax is an Internet based lending and wealth management platform, which is owned by Ping An Group. Lufax aims to provide one of the most comprehensive wealth management platforms globally. In addition to online lending, its services include providing risk management expertise, financial assets trading information and related consulting services for enterprises, financial services institutions and other qualified investors. Lufax takes advantage of the latest big data and IT technologies, and leverages the most advanced risk assessment models and risk control systems. Staff Undisclosed Size$ Enabler / Disruptor Rank Last Year 11 “While originally starting with peer to peer lending, LuFax has expanded into other financial service verticals.” - Gregory Gibb At a Glance Tagline: Wealth management platform, investment and financing Located: China Year Founded: 2011 Key People: Ji Kuaisheng, Chairman and CEO Gregory Gibb, Chairman Li Renjie, Chairman Huang Wenxiong, Deputy General Manager Website: lu/ Category: Capital Markets Ownership: Private 04 Lufax