While crypto prices and ICOs collapsed, overall investment in fintech surged in 2018, hitting $55 billion worldwide, double the year before, Accenture reports. Big
But there are also 20 startups making their first appearance on our fourth edition of this list. Two areas with notable additions: payments technology and companies targeting the underserved, be they immigrants without U.S. credit histories or hourly workers living paycheck to paycheck. All our picks are private companies and have operations, customers or impact in the U.S., even if they’re not based here.