很有意思，大家可以看看，很多创新性的金融服务在国内现在还没有。

Referred link:

http://www.fastcompany.com/most-innovative-companies/2013/industry/finance

1_SQUARE

For upending the credit card transaction-fee model for more than 2 million businesses by offering flat-rate processing.

2_OPENGAMMA

For cracking the secret world of capital markets by creating open-source risk-management software.

3_LENDING CLUB

For bringing peer-to-peer lending to the mainstream--to the tune of $1 billion in loans to prime borrowers.

4_KABBAGE

For using unconventional data like shipping history to extend short-term loans to small merchants.

5_BILLGUARD

For scouring the web to return $1 million in fraudulent charges and stalled refunds to debit and credit card users.

6_PAYPAL

For rolling out in-store checkout by PayPal account, even if you forgot your credit card and your smartphone.

7_AMERICAN EXPRESS

For generating unique offers for customers by plumbing their social media posts and spending habits.

8_STRIPE

For making it a snap for online merchants to accept credit cards on their sites.

9_RISKALYZE

For helping individual investors assess risk, using personalized algorithms and portfolio alerts.

10_SIGFIG

For becoming the online portfolio doctor, highlighting overpriced funds and suggesting alternatives within seconds.