Singapore has emerged as one of Asia’s most trusted financial and technology hubs, supported by strong regulation, government-backed innovation, and a mature digital economy. Today, fintech companies in Singapore are playing a critical role in helping enterprises modernize banking, payments, lending, and digital finance at scale.
For business leaders and decision-makers seeking reliable partners, navigating the growing landscape of fintech can be challenging. This article highlights the top 15 fintech companies Singapore to know in 2026, helping enterprises shortlist the right partners for strategic collaboration and long-term growth.
Singapore as Asia’s Leading FinTech Ecosystem
Singapore is widely recognized as Asia’s leading FinTech ecosystem thanks to its strong regulatory foundation, pro-business environment, and deep financial expertise. At the center of this ecosystem is the Monetary Authority of Singapore (MAS), which has built a transparent, innovation-friendly framework that balances technological experimentation with strict compliance and risk management. Initiatives such as regulatory sandboxes and digital banking licenses have enabled FinTech companies to innovate responsibly while earning enterprise trust.
Beyond regulation, Singapore benefits from a highly connected financial infrastructure and a dense concentration of global banks, multinational corporations, and technology talent. The country serves as a strategic gateway for FinTech expansion across Southeast Asia, making it an ideal base for companies focused on cross-border payments, digital banking, blockchain, and embedded finance. Strong public-private collaboration, access to capital, and a mature B2B market have further accelerated FinTech adoption at the enterprise level.
As a result, Singapore is not just a hub for startups, but a proven environment where enterprises can confidently build, scale, and integrate financial technology solutions. This unique combination of regulatory trust, technical sophistication, and regional reach is why many of Asia’s most influential FinTech companies choose Singapore as their long-term base.
⭐️ Explore the fintech trends shaping the future
Top 15 FinTech Companies in Singapore to Watch in 2026
Singapore is home to a diverse mix of FinTech leaders, ranging from global payment giants and digital banks to fast-growing platforms reshaping financial access across Asia. The following companies stand out not only for their scale and innovation, but also for their ability to deliver secure, compliant, and enterprise-ready financial solutions. These are the FinTech companies in Singapore to watch closely in 2026.
1. Grab Financial Group
Grab Financial Group is the financial services division of Grab, Southeast Asia’s leading super app. Headquartered in Singapore, the company focuses on delivering digital financial services that are deeply embedded into everyday consumer and merchant experiences across the region.
Key services
- Digital payments and e-wallets
- Consumer and merchant lending
- Digital banking services (through regional digital bank licenses)
- Insurance and financial protection products
- Embedded finance solutions for Grab’s ecosystem
Unique selling points
- Strong embedded finance model powered by a large, active user base
- Deep data and behavioral insights enabling smarter credit and risk assessment
- Scalable infrastructure supporting high-volume, real-time transactions
- Strong regulatory positioning and regional presence across Southeast Asia
2. Ekotek
Ekotek is a leading software development company in Vietnam, founded in 2018, with a strong international presence through offices in Singapore and Tokyo, Japan. With a team of more than 200 experienced engineers and consultants, Ekotek supports enterprises worldwide in building and scaling complex digital platforms.
The company specializes in digital transformation, FinTech development, AI and blockchain, helping banks, FinTech firms, and enterprises modernize legacy systems and accelerate innovation while meeting security and compliance requirements.
Ekotek’s domain expertise and services
Ekotek delivers deep domain expertise across key financial and technology verticals:
- Banking: Lending, credit and risk systems, neo-banking, and digital banking platforms
- FinTech: Payment and transaction solutions, investment and wealth management tools
- Blockchain: Blockchain platforms, Web3 solutions, and tokenization
Ekotek’s core services include:
- Consulting: Technical consulting, data science, and blockchain advisory, including proof-of-concept development
- Digitalization & modernization: Legacy system modernization and customer journey optimization
- Independent testing: Custom testing strategies tailored for enterprise and regulated environments
Ekotek’s FinTech service stack
Ekotek provides end-to-end delivery across the FinTech service stack:
- Architecture: Application health checks, architecture analysis, and system design
- Development: Application assessments, frontend and mobile development, and troubleshooting
- DevOps: CI/CD pipelines, testing automation, monitoring, and operational best practices
- QA: Unit, functional, and load testing aligned with financial industry standards
- UX/UI: UX/UI assessments, usability and accessibility testing, and design systems
- Agile delivery: Flexible co-delivery models with in-house or partner teams
- Platform operations: Installation, upgrades, infrastructure health checks, and performance analysis
Why choose Ekotek?
- Proven experience in FinTech and banking transformation projects
- Strong capabilities in custom FinTech software development
- Expertise in modern technologies including AI and blockchain
- Enterprise-grade delivery with a focus on security, scalability, and compliance
- Global delivery model with teams in Vietnam, Singapore, and Japan
Positioned as a long-term technology partner rather than a transactional vendor, Ekotek is well suited for enterprises seeking reliable FinTech development and digital transformation capabilities in Singapore and across Asia
3. Nium
Nium is a global payments and financial services platform headquartered in Singapore, serving banks, FinTech companies, and enterprises worldwide. The company provides modern infrastructure that enables businesses to move money seamlessly across borders, currencies, and payment networks, making it a key player in the global payments ecosystem.
Key services
- Cross-border payments and global money transfers
- Card issuing and processing
- Digital wallet and embedded finance infrastructure
- Banking-as-a-Service (BaaS) and payment APIs
- Compliance, fraud prevention, and risk management solutions
Valuation: Nium is recognized as a FinTech unicorn, having achieved a multi-billion-dollar valuation following major funding rounds from global investors. Its valuation reflects strong enterprise adoption, global market reach, and its role as a core infrastructure provider for cross-border payments and embedded finance solutions.
4. Wise
Wise is a global financial technology company specializing in fast, transparent, and low-cost international money transfers. Headquartered in London with a strong presence in Singapore, Wise has become a trusted platform for cross-border payments worldwide.
Achievement: Wise has processed trillions of dollars in cross-border transactions and is publicly listed on the London Stock Exchange. The company is widely recognized for pioneering transparent pricing in international transfers and for building one of the world’s most widely used multi-currency accounts.
Target customers
- Individuals and expatriates sending or receiving international payments
- Freelancers and remote workers managing multi-currency income
- SMEs and global businesses requiring low-cost, cross-border payment solutions
5. Xendit
Xendit is a leading payments infrastructure provider in Southeast Asia, enabling businesses to accept and process digital payments across multiple markets. Founded in 2015, the company is headquartered in Singapore and focuses on simplifying payments for fast-growing businesses in the region.
Why choose Xendit
- Strong coverage of local payment methods across Southeast Asia
- Developer-friendly APIs designed for fast integration and scalability
- Reliable, secure, and compliant payment infrastructure
- Well-suited for startups and enterprises expanding regionally
6. Stripe
- Year founded: 2010
- Company size: Over 7,000 employees globally
- Key services:
- Online payment processing and global payment APIs
- Subscription billing and invoicing
- Connect and embedded payments for platforms and marketplaces
- Fraud detection and risk management (Stripe Radar)
- Financial services APIs, including payouts and issuing
Stripe is widely used by startups and large enterprises to build, scale, and manage online payment and financial operations worldwide.
7. Innowise
Innowise is a global software development company delivering custom technology solutions for enterprises and fast-growing businesses. With a strong focus on FinTech and digital transformation, the company supports clients across Europe, Asia, and North America.
Key services
- Custom FinTech software development
- Banking and payment system development
- Blockchain and Web3 solutions
- Data analytics, AI, and machine learning
- Legacy system modernization and system integration
Why choose Innowise
Innowise is known for delivering enterprise-grade FinTech applications that power critical operations and manage risk 24/7. Their approach emphasizes secure, scalable architecture, built-in compliance frameworks, and seamless integrations with external systems. With hundreds of successful FinTech projects and domain-savvy engineers, Innowise helps businesses accelerate digital transformation and adapt to evolving regulatory environments.
8. MatchMove
MatchMove is a Singapore-based FinTech company specializing in embedded finance and card issuing solutions for enterprises and FinTech providers. The company enables businesses to launch digital wallets, payment cards, and financial services quickly through modular APIs.
Key services
- Embedded finance and wallet-as-a-service platforms
- Card issuing and processing (virtual and physical cards)
- Digital payments and transaction management
- Compliance, KYC, and risk management infrastructure
Target customers
- FinTech startups building wallet and card-based products
- Enterprises embedding financial services into digital platforms
- Platforms and marketplaces requiring card issuing and payment capabilities
9. YouTrip
YouTrip is a multi-currency digital wallet designed for travelers, enabling users to pay and spend abroad without foreign exchange markups. Headquartered in Singapore, the company partners with licensed banks to deliver secure, card-based payment experiences across global markets.
Achievements
- Rapid user adoption across Asia, especially among frequent travelers
- Successful partnerships with major banks and payment networks
- Recognition as a leading travel-focused FinTech wallet in the region
Unique Selling Points
- Real exchange rates with zero FX fees for overseas spending
- Seamless multi-currency wallet with automatic currency conversion
- Simple, mobile-first user experience backed by bank-grade security
10. Funding Societies
Funding Societies is a leading digital financing platform focused on providing fast and accessible funding to small and medium-sized enterprises (SMEs) across Southeast Asia. Headquartered in Singapore, the company leverages technology-driven credit assessment to bridge the SME financing gap.
Key products and notable initiatives
- SME business loans: Working capital loans, invoice financing, and short-term credit tailored for growing businesses
- Digital credit underwriting: Proprietary data models that enable faster, more accurate credit decisions
- Investor marketplace: A platform connecting SMEs with individual and institutional investors
- Embedded finance solutions: Lending APIs and partnerships that integrate financing into business platforms
Who should partner with them
- SMEs looking for quick and flexible access to growth capital
- Institutional and individual investors seeking alternative investment opportunities
- Platforms and enterprises aiming to embed digital lending solutions into their ecosystems
11. Ant Group
Founded in 2004, Ant Group is a global financial technology company originating from China and affiliated with Alibaba Group. The company employs tens of thousands of people worldwide and operates a broad portfolio of digital financial services, with a strong presence in Asia, including Singapore. Ant Group focuses on using technology to make financial services more inclusive, efficient, and secure.
Key services
- Digital payments and wallets (Alipay and related payment technologies)
- Mobile and online financial services
- Digital banking and financial infrastructure
- Credit scoring, risk management, and fraud prevention
- Blockchain and distributed ledger technologies for financial services
12. Revolut
Revolut is a global digital banking and financial services company founded in 2015, offering modern, mobile-first financial products to individuals and businesses. Originally launched in the UK, Revolut has expanded its presence across Europe, Asia, and other markets, including services accessible to users and enterprises in Singapore.
Achievement
Revolut has grown rapidly to serve millions of customers worldwide, achieving unicorn status with multi-billion-dollar valuation and broad adoption in both personal and business financial services. Its expansion into business accounts, global spending, and multi-currency solutions has positioned Revolut as a leading challenger in digital finance.
13. DBS Bank
DBS Bank, founded in 1968, is Singapore’s largest bank and one of the most highly regarded financial institutions in Asia. With a strong regional footprint and a reputation for innovation, DBS combines traditional banking strength with advanced digital services to serve both retail and corporate clients.
Key services
- Retail and corporate banking
- Wealth and asset management
- Digital payment solutions and e-wallet services
- Lending, trade finance, and cash management services
Strengths
- Digital leadership: Widely recognized for its award-winning digital platforms and mobile banking experience
- Regional scale: Extensive presence across Asia with deep market knowledge
- Enterprise readiness: Comprehensive suite of financial services suitable for large corporates and SMEs alike
- Innovation culture: Strong focus on digital transformation and customer experience enhancement
14. OCBC Bank
OCBC Bank, officially known as Oversea-Chinese Banking Corporation, is one of Singapore’s oldest and most established financial institutions, founded in 1932. With a strong presence across Asia, OCBC combines traditional banking strength with a growing suite of digital solutions to serve individuals, corporates, and institutional clients.
Achievement
OCBC Bank has consistently ranked among Asia’s strongest and most stable banks, earning global recognition for financial performance and risk management. The bank has been repeatedly named “World’s Best Bank” in various categories by leading financial publications, reflecting its commitment to innovation and customer service.
Key services and standout products
- Retail and corporate banking: Savings, loans, and business banking solutions
- Digital banking platforms: OCBC digital app and online services for seamless account access
- Wealth management and insurance: Investment products and protection plans
- Payment and cash management solutions: Digital payments, collections, and treasury services for businesses
- FinTech collaborations and API ecosystem: Enabling partners to integrate banking services into digital platforms
15. Sygnum
Sygnum is a regulated digital asset bank founded in 2017, with dual licensing in Singapore and Switzerland. The company focuses on bridging traditional finance and digital assets by offering institutional-grade banking services for cryptocurrencies and tokenized assets.
Key services
- Digital asset custody and token services: Secure institutional storage and token issuance support
- Digital asset trading and brokerage: Access to crypto markets with professional execution tools
- Institutional lending and staking solutions: Flexible credit and yield-generating opportunities for clients
- Banking services for digital native businesses: Integrated fiat and digital asset accounts
Why choose them
- Regulated and trusted: Fully licensed as a digital asset bank in Singapore, giving institutional clients confidence in compliance and security
- Institutional focus: Tailored services built for enterprises, funds, and sophisticated investors rather than retail-only solutions
- Bridging traditional and digital finance: Enables smooth integration between fiat banking and digital asset operations
- End-to-end solutions: Custody, trading, custody, and lending in one platform, reducing complexity for enterprise users
Why Outsourcing to a FinTech Development Company?
Outsourcing has become a strategic approach for enterprises looking to build, scale, or modernize financial technology solutions efficiently. Below are 5 key reasons why working with a specialized FinTech development company is a smart choice for business leaders
Access to Specialized FinTech Expertise
FinTech development requires deep domain knowledge across banking, payments, lending, blockchain, and regulatory compliance. Outsourcing partners bring dedicated FinTech expertise and experienced teams that understand industry-specific challenges, reducing risks and accelerating delivery.
Faster Time to Market
By leveraging ready-to-deploy teams and proven delivery frameworks, enterprises can significantly shorten development cycles. Outsourcing enables faster product launches, quicker iterations, and the ability to respond rapidly to market and regulatory changes.
Cost Optimization and Flexible Scaling
Outsourcing helps enterprises optimize development costs while maintaining high engineering standards. Many organizations choose delivery hubs such as Vietnam to access experienced FinTech engineers at a lower cost compared to onshore markets, enabling better budget efficiency and flexible team scaling.
Focus on Core Business and Strategy
Delegating complex technology execution to a trusted FinTech development partner enables internal teams to focus on core business objectives, customer experience, and strategic growth initiatives rather than day-to-day engineering challenges.
Proven Experience with Complex and Legacy Systems
Specialized FinTech development companies often have hands-on experience working with complex, regulated, and legacy financial systems. This ensures smoother system integration, reduced operational disruption, and a more reliable digital transformation journey.
⭐️ Consider outsourcing to Vietnam
How to Choose the Right FinTech Company in Singapore
Selecting the right FinTech company in Singapore is a strategic decision that directly impacts regulatory compliance, operational efficiency, and long-term scalability. For enterprises and decision-makers, the evaluation should go beyond features and pricing, focusing instead on risk management, technical depth, and partnership capability.
Regulatory compliance & security standards
Singapore is known for its strict financial regulations, making compliance a non-negotiable factor. The right FinTech partner should demonstrate a strong understanding of local and international regulatory requirements, robust data protection practices, and enterprise-grade security standards. Experience working with regulated financial institutions is a strong indicator of reliability and risk readiness.
Technology stack & scalability
A future-ready FinTech partner must offer a modern, scalable technology stack capable of supporting high transaction volumes and rapid growth. Cloud-native architecture, API-first design, and performance optimization are critical for ensuring stability, flexibility, and long-term system scalability as business needs evolve.
Domain expertise (banking, payments, blockchain, lending)
Deep domain expertise is essential when building or integrating financial systems. Companies with proven experience across banking, payments, blockchain, and digital lending are better equipped to address industry-specific challenges, from transaction processing and risk management to compliance and settlement workflows.
Custom FinTech software development capability
Enterprises often require tailored solutions rather than off-the-shelf products. A strong FinTech partner should be able to design and develop custom platforms aligned with specific business models, regulatory environments, and customer journeys, while maintaining high standards of performance and security.
⭐️ Dive into Software outsourcing vendor evaluation
Integration experience with legacy systems
Many financial institutions operate on complex legacy infrastructure. The ability to integrate new FinTech solutions seamlessly with existing core banking systems, data platforms, and third-party services is critical to minimizing disruption, controlling costs, and accelerating digital transformation.
Conclusion
Singapore continues to stand out as Asia’s leading FinTech hub, home to a diverse ecosystem of global financial institutions, fast-growing FinTech platforms, and technology partners. From digital payments and banking to blockchain and lending, the companies highlighted in this list represent some of the most influential players shaping the future of financial services in 2026. Choosing the right FinTech partner ultimately depends on regulatory readiness, technical scalability, domain expertise, and the ability to integrate with existing systems.
For enterprises looking beyond off-the-shelf solutions, working with a technology partner that understands both FinTech complexity and enterprise delivery is critical. Ekotek supports enterprises through a structured, end-to-end FinTech delivery journey, from discovery and business consulting, to proof of concept, UX-driven development, and long-term system operation and innovation. This approach enables clients to validate ideas early, reduce delivery risks, and continuously evolve their financial platforms. Throughout every phase, Ekotek places strong emphasis on security, data protection, and compliance, ensuring FinTech solutions are built to meet enterprise and regulatory standards from day one. Partnering with Ekotek means working with a team focused not just on building software, but on delivering resilient, future-ready financial platforms.
