The Future Of Business To Business Banking: Fintech 50 2023

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Whether it's corporate credit cards, home improvement loans or travel expenses, these 10 companies are shaking up the banking establishment—even as the industry faces bouts of crisis. Fintech50 See more:

list this year, four-year-old neobank Mercury picked up more than $2 billion in deposits within days of Silicon Valley Bank's sudden collapse in March. CEO Immad Akhund worked over the weekend, onboarding new customers as startled startup founders rushed to find a new home for their cash. That same week, longtime list staple Brex announced it would begin offering up to $6 million in FDIC-insured deposits by spreading them out through various banks.

Elsewhere on the list, fintechs have continued to broaden their services—both within and outside the traditional banking realm. Federally chartered Column now offers international payments via SWIFT, and TripActions rebranded to Navan, consolidating its services to allow users to search and book trips, change or cancel flights, and submit expenses—all in one app.

Still, B2B banking fintechs haven't been completely immune to broader turmoil. There were three drop offs on this year's list: influencer funding app Creative Juice, Clearco and Pipe, the latter two suffering from high-profile executiveas the broader fintech industry felt the burn of high interest rates and a slower economy.

In their place, however, two startups are new to the list. Fintech infrastructure firm Unit, founded by two former software engineers for the Israeli military, works with partner banks to help build financial products for retirees, schools, nonprofits and more. And a team of ex-Square executives are helping fintechs expand their banking offerings after acquiring Kansas City-based Lead Bank in November; Ramp and Self are already customers.

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