The Financial Technology Report is pleased to announce The Top 25 FinTech AI Companies of 2025. Artificial intelligence (AI) has become a popular buzzword that has pervaded conversations across industries as companies look to increase the scope and efficiency of their business. This year has marked a turning point for the technology, as theoretical innovation has moved into measurable transformation within the financial services sector. AI is not only streamlining operational performance by automating and enhancing data analysis tasks, but it’s also helping to address significant issues, including rising cyber threats and equitable access to credit for underserved populations.
Companies like Lendbuzz, founded in 2015 by Amitay Kalmar and Dan Raviv, are using advanced AI to analyze risk with the noble aim of providing credit opportunities to the 45 million U.S. residents categorized as “credit invisible.” This demonstrates the continued dedication not only to technological advancement but also to using cutting-edge technologies to resolve deeply personal challenges affecting global populations. Equally important are the contributions of cybersecurity leaders like ThetaRay, who are using emerging cognitive AI tools to enhance adaptability and contextual awareness to thwart cyberattacks and reduce risk for financial institutions and their consumers.
On the front-end, AI has allowed these companies to produce seamless user experiences, while invisible AI- and ML-based engines run in the background to extract information from unstructured data, enable faster credit decisions, and simplify compliance processes. The 25 winners of this year’s award represent definitive proof of the value that AI can provide to financial institutions and those they serve.
Nominations were made based on a rigorous selection process that takes into account industry contributions, leadership impacts, expertise, and innovation. The awardees selected have demonstrated not only continued growth but also a lasting influence on the financial technology landscape as a whole. Please join us in celebrating The Top 25 FinTech AI Companies of 2025.
1. Temenos
Temenos has an ambitious goal: to be everyone’s banking platform. Founded in 1993, the company has always aimed to revolutionize banking, adapting its technologies to best meet the rapidly evolving needs of its growing base of customers and partners. CEO Jean-Pierre Brulard joined the company in May 2024 and brings a customer-first approach and decades of experience at software giants like SAP and VMware to guide the platform’s continued success in providing highly personalized and AI-supported user journeys.
Now, Temenos supports 950 core banking clients in 150 countries, thoughtfully integrating AI technology to provide open, composable, and cloud-based banking services at a fraction of the cost of legacy systems. The company is the first to use its patented eXplainable AI (XAI) platform and generative AI to help its clients roll out deployment-agnostic, real-world solutions focused on efficiency, profitability, and exceptional customer experiences. At Temenos, “people are the key,” a motto that not only drives its business but also a company culture dedicated to integrity, commitment, and care.
2. HighRadius
HighRadius offers AI-driven Autonomous Systems designed to automate and optimize finance operations for the office of the CFO. Founded in 2006 by Sashi Narahari, the company uses predictive AI to streamline order-to-cash, treasury, and record-to-report functions. HighRadius serves over 1,100 global organizations across industries, including giants like Adobe, Bayer, and PNC. Aiming to guarantee ROI, HighRadius’s primary focus is on value creation for its customers.
HighRadius got in on the AI and ML game early, recognizing the potential of these technologies before they became mainstream in the financial technology space. Now, the company integrates AI, ML, and RPA to automate labor-intensive tasks and provide data-driven insights that result in measurable improvements in areas like reduced invoice processing costs, accurate expense recognition, better cash management and forecasting, and many more.
3. Lendbuzz
Lendbuzz is an AI-powered autofinancing company whose core business is vehicle loan originations made through either its network of dealer-partners or directly to consumers. The idea for Lendbuzz stemmed from an experience its Co-Founder and CEO—Amitay Kalmar—had when he moved to the US: despite being enrolled at MIT and having money in the bank, he was turned down for a credit card because he had no US credit history or FICO score. Over time, Kalmar realized that advancements in Artificial Intelligence—together with a more holistic approach to financial history—could be the key to unlocking credit opportunities for the 45 million U.S. residents categorized as “credit invisible”. Together with co-founder Dan Raviv, Kalmar launched Lendbuzz in 2015.
To achieve this goal, Lendbuzz leverages its proprietary technology—AIRA (Artificial Intelligence Risk Analysis)—to get the full picture of a borrower’s financial history to decide their credit risk and provide them with fair funding options. This software does everything from credit risk assessment to document approval, deal structuring, and funding, and its latest product—Express Contract—makes this overall process even faster. It took the company just 6 years to originate $1 billion in loans and only 11 months to double that to $2 billion, and continued growth is on the horizon in Lendbuzz’s goal to make sure auto financing is available to all.
4. Napier AI
Founded by Julian Dixon in 2015 and headquartered in London, UK, Napier AI is an end-to-end financial crime compliance platform. The company takes its name and inspiration from Scottish mathematician and physicist John Napier, who was known for inventing logarithms as a way to simplify complex mathematical calculations. In a similar vein, Napier’s goal is to make anti-money laundering compliance simpler and more efficient for the banking, payments, and asset and wealth management industries. Trusted by more than 150 financial institutions, its innovative solutions help its customers meet regulatory obligations and combat illicit activities.
The platform’s effectiveness comes from the use of machine learning and AI to create operational efficiencies and streamline workflows. In particular, the Client Screening solution, backed by seven years of development and an investment of $25M and counting, provides scalable, flexible, and cost-effective client screening that situates it as a world leader in reducing total cost of ownership. With an unwavering commitment to innovation, Napier recently established a Centre of Excellence (CoE) in Belfast, Northern Ireland, to further invest in research and development, demonstrating its dedication to continuous improvement in the field.
5. Workiva
Workiva is led by President and CEO Julie Iskow with the goal of transforming how organizations manage and report business data, including 85% of the Fortune 500. Recognizing the broader need for reliable, connected reporting across enterprises, Workiva developed a cloud platform designed to simplify complex work. Today, the company powers assured integrated reporting for over 6,000 organizations worldwide, helping them navigate financial reporting, ESG disclosures, and GRC processes with confidence.
Workiva offers a unified platform that connects teams, data, and processes, ensuring consistency and accuracy from source systems to final reports. It streamlines workflows for financial statements, sustainability reporting, audit management, and risk compliance, allowing users to link data directly and automate updates. By fostering collaboration and providing a single source of truth, Workiva enables organizations to build trust with stakeholders through transparent, reliable reporting and navigate the complexities of the modern regulatory landscape more effectively. Workiva was founded in 2008 and has grown globally with 19 offices across North America, Europe, and Asia and over 2,400 employees.
6. Darktrace
AI and cybersecurity leader Darktrace was founded in 2013 to help companies move faster, stay ahead of threats, and ignite innovation. With over a decade of experience in its industry, the company has developed a self-learning AI modeled on the human immune system that is used by over 3,000 organizations to protect against threats to the cloud, email, IoT, networks, and industrial systems. The end product is Darktrace’s ActiveAI Security Platform, which protects companies from threats by using AI to learn from the business in real time.
Financial technology companies face persistent cyber threats that put both banks’ and consumers’ data at risk. Darktrace aims to address this growing problem by delivering comprehensive protection, real-time anomaly detection, autonomous investigations, and adaptive defense to make sure its customers can remain agile while navigating complex security challenges. Darktrace now serves over 3,000 organizations globally and employs over 900 across 40 offices, and it remains dedicated to ongoing innovation, with new advancements backed by over 200 patents and pending applications.
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