Occupy: Alts Disrupt Finance

Disrupt Finance

'We can reinvent the entire thing.'
—Marc Andreessen on aggressively investing in Disruptive Financial Technologies.


Goldman Sachs estimates that there is $4.7 Trillion in revenue for financial services is at risk of being displaced by new-tech enabled or fin tech company entrants. This section of the site focuses on the new and not-to-so new firms that are trying to transform the ecosystem of finance, investments and banking. We identify a few areas where activity is most prevalent but are always in interested to hear about more companies, industries and regions where finance is being disruptive. Please email us (link) if you would like to share.

Overview Articles on How Finance is Being Disruptive

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An online wealth management service that provides automated, algorithm-based portfolio management advice

Example: Assetbuilder, MoneyFarm, Wealth Front, Betterment, Blooom, WiseBanyan, FutureAdvisor, Motif Investing, Quantopian

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A digital or virtual currency that uses cryptography for security. Cryptocurrencies make it easier to transfer funds between two parties in transactions; these transfers are facilitated through the use of public and private keys for security purposes. These fund transfers are done with minimal processing fees, enabling users to avoid the steep fees charged by most banks and financial institutions for wire transfers.

Example: Bitcoin, Stellar, Litecoin, R3, Coinbase

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Peer-to-Peer (P2P) lending enables individuals to lend and borrow money from other individuals through a third party platform. P2P lenders have also developed analytical platforms that asses credit worthiness through the use of public and private records, profiles and behavior.

Example: Zopa, Lending Club, Prosper, Welab, Lenddo, ZestFinance, Kabbage, OnDeck, Funding Circle, IOU Central, Biz2Credit, CAN Capital, Borro, Kreditech, Stripe, Wonga, Credit Karma

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Platforms that enable current and prospective owners, agents, tenants, investors to display, search, exchange, simplify and lower costs on real estate (RE) information and RE transactions.

Example: Homesnap, Opendoor, Redfin, CompStak, ViewTheSpace, TheSquareFoot, Yopa

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Portals that use public data and/or user generated content to share information on companies and investment ideas.

Example: Harvest, Seeking Alpha, SumZero, Symmetric io, Whale Wisdom, StockTwits

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Companies that collect and large quantities of information to analyze and forecast markets and business.

Example: Ufora, Domino, Sensai, IBM, Bloomberg, FI Consulting, Princetechs, Dataminr, Contix

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Electronic payment and settlement providers that are improving the convenience, speed, cost and ease of paying and recieving money and facilitating transfers of goods and service globally.

Example: Apple Pay, Android Pay, Google Wallet, PayPal, Alipay, TransferWise, Venmo, Facebook Messenger, Klarna, Square, TransferWise

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Platforms that look to fund companies by raising capital from a broad group of people. Some are targeted to fund new companies and products (general solicitation), others are targeted toward offerings of primary and secondary stakes in funds and companies (for accreditted investors).

Example:EquityNet, GoFundMe, Crowdfunder, Kickstarter, Seedvest, Microventures, CircleUp

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Commision free trading platorms.

Examples: Robin Hood, Deziro

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