Ten years ago, financial technologies were in the development stage. Currently, thousands of companies are working with finance on the Internet. They are concentrated in their segments. Their developers create software products to solve a specific issue. Some of the companies, such as SoFi, Kabbage and Robinhood, started back in the 2000s, and today their capitalization exceeds $1 billion. These companies, which lead their industries, started from scratch. Today, many of them, such as TransferWise and Wirecard, are considered the world market leaders.