This eight start-up Internet financial company, the most noteworthy

Goldman Sachs, a recent study showed that with the decline of the traditional play baby games consumer confidence in the banking system, a growing number of Internet start-up company has been in financial quietly carved out of this $ 4.7 trillion in market value. 2014, capital market investment banking firm up Internet $ 12 billion, an increase doubled. This trend continued in 2015, only three quarters before the investment has reached $ 10.49 billion a. Automatic deposit and lending services from a simple payment process that have become one of the important reasons for equipment with attractive financial Internet startups. They are simple and easy to operate, service costs are lower than traditional competitors. Today, the Lending Club, represented by the Internet has become an attractive financial companies in emerging industries. Despite its founder Renaud Laplanche said recently that in the past was a tough year, but this was established in 2014 in the bond trading company has received $ 8 billion in financing. However, there are like Wesabe and BitInstant such companies have closed down. Therefore, the online financial industry, the life of their business model is still being questioned. Industry analysts said these companies often require a lot of liquidity, and a short time is difficult to see profitability. Another problem is that can not help worrying security, credit companies often need to collect a lot of data to provide to the customer. TransferWise, one in London, to provide a financial point of international remittance services platform startups per month to handle up to 700 million $ 50 million individuals worldwide transfer business. Its co-founder and CEO Taavet Hinrikus expressed safety concerns have been an obstacle to Internet financial company such non-banking institutions are required to face. "However, since people can believe Google, Amazon, Facebook and other technology companies in its pages and upload personal information, they will gradually start to financial startups to build trust." Taavet Hinrikus said. Thus, with the arrival of 2016, the following eight emerging Internet financial start-up company may worth further attention. This hotel in New York start-up company for users of smart personal investment portfolio and advisory services. 2015 is a milestone for the Betterment of the year, under its founder and CEO Jon Stein's leadership, Betterment assets under management increased by 200 percent over last year, from $ 100 million to $ 300 million. In the Betterment users to submit their own investment conditions (risks, benefits, amount, etc.), the play baby games system can rely on a professional investment team of analysts algorithm set up automatically given portfolio. It is in the investment management services do not charge fees, but every year you need to calculate the annual fee of the account balance, which is about 0.15% to 0.35%. In addition, it launched a new intelligent recommendation of the Advisory Tool 401 (k), to provide users with investment advice. Users will receive ETF (exchange-traded index fund) portfolio, and can choose whether to open taxable investment accounts, IRA accounts, Roth IRA account by the Betterment managed by decentralized hedge systemic risk. Jane Bryant Quinn, a retired economics experts in the field, recently praised the Betterment said, "I will use this automatic investment advice, this does not apply only to the younger generation." She said Betterment is the only one not only concerned about you now ROI can also take into account factors such as retirement automated financial management tools. Of course, other financial companies will eventually provide these services, because this is the investment you will focus on the two parts. WePay is a San Francisco mainly for corporate customers pay by credit card on-line company, whose clients include GoFundMe and Care.com, etc., fees typically amount to 2.9% of each transaction plus 30 cents. Initial phase, it is the online market (that is, C2C electricity supplier), to raise public website, donation websites and other corporate customers API, 2013 Joint founder Bill Clerico and Rich Aberman decided to close this part of the business focused on online payments. 2014, WePay revenues of $ 24.9 million, a figure in October last year to grow to $ 75 million. In the 2015 rankings of America Inc. 5000 Wepay 62, is expected to reach $ 220 million valuation. By the investor and co-founder of PayPal's Max Levchin founded in 2013 Affirm is to provide consumers play Frozen Games with installment loans on a large electronic business platform company. Late last year, the company announced that it will participate in the General Assembly, Bloc and Kaplan coding and other science and technology organized training camps young student loans. Currently, they have received a $ 275 million venture capital round of financing will primarily serve its loan program. But also worth noting that the company's loan interest rate is very steep, ranging from 6% to 20%