由于大流行病的不确定性、刺激现金的增加以及现在通货膨胀的加剧,年轻人比以往任何时候都更加敏感地意识到自己的经济和金融状况。

因此,今年金融科技50(Fintech 50)名单上的4名个人金融新秀中,有2名和名单上的8名个人金融创业者中,有一半以上的人希望帮助有微薄(甚至没有)信用履历的美国人支付支票,以奠定金融基础。

很自然,许多美国人经济情况良好,他们在度假和其他娱乐方面的支出也在增加,他们在艾滋病流行初期曾有过,但不得不放弃。

这就是金融科技50的另一位新手Hopper入驻的地方。 除了佣金之外,它还利用创新方案赚钱,该方案允许用户支付额外费用——通常是机票价格的10%到20%——将航班价格冻结一周。

在机票预订过剩和价格上涨的年代,霍普尤其具有吸引力,因为如果机票价格上涨,用户购买机票,霍普将吸收差价。

金融界最有价值的两家企业是,价值63亿美元的新人Upgrade和美国最大的数字银行Chime,价值250亿美元。

提供像规定利率和期限的短期贷款一样可以偿还的信用卡等多数革新商品,避免了复利积累的危险。

奇姆

美国最大的数字银行Chime通过提供免费活期存款账户和免透支手续费,扩大了顾客群。

大通和美国银行等大型金融机构在2021年降低了透支成本,这可能是因为Chime和其他在线银行的竞争。 据知情人士透露,奇美原本计划在2022年初上市,但由于股市动荡而推迟上市。

据奇美公司首席执行官克里斯·布里特(Chris Britt)称,2022年第一季度的新客户数量是奇美公司有史以来最高的。

升级

这家成立6年的个人贷款初创公司提供类似于个人贷款的信用卡,并在购买时返还1%至3%的现金。

你可获得500元至25,000元的信用额度,并设定还款日期,按月等额分期付款。 这家银行刚刚推出了一个免费支票账户,为客户提供2%的定期交易现金以及一张比特币奖励卡。

霍珀

一项新颖的计划允许顾客支付额外的费用,通常是机票价格的10%到20%,以便将航班的价格冻结一周。

该项目于2014年由旅游预订网站推出,是一款免费应用程序,可预测预订航班的最佳时间。 它现在提供其他功能,如房屋租赁。 如果票价上涨和客户购买门票,霍普将承担差额。

目前,Hopper40%的收入来自这些革新金融科技产品,其余的钱来自支付给旅行社的惯例手续费。 其大多数工人总部设在美国。

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