例如，自由交易平台Robinhood Markets Inc.新增了服务产品，平台估值也增加了数十亿美元。再比如，投资者对Stripe Inc.的估价高于标准普尔500指数中249家公司的市值。
大科技 vs 大金融
In 2018, a number of financial technology startups came into their own. Free trading platform Robinhood Markets Inc., for example, added new services and billions to its valuation. And Stripe Inc. was valued by investors at a price higher than the market caps of 249 of the companies on the S&P 500 Index. But the industry is also maturing and consolidating, and larger industry players, hoping not to be left behind by the new era of digital finance, are stepping up their hunt for acquisitions.
What should we be on the lookout for in 2019?
Up to this point, financial technology startups have been hesitant to enter the public markets. And who can blame them? Most fintech companies that have gone public in recent years have seen their share prices tumble, and ample venture capital funding has buffered balance sheets. Still, a major IPO isn't unthinkable in 2019. Credit Karma and Robinhood are cited as two possibilities, and other large companies may get serious about at least laying the IPO groundwork next year.
Consolidation picks up
Our experts were unanimous on this one. There are plenty of startups out there that have gained enough footing for incumbents to take notice, but have stayed small enough that an acquisition is still feasible.
Big tech vs. big finance
While more big tech companies are testing the waters in the finance industry, don't expect to see the emergence of the Bank of Facebook anytime soon.
Payments get faster
Next year, expect banks to speed up customers' experience at checkout lines with contactless cards, which allow consumers to tap the plastic at point of sale, rather than inserting a chip or swiping. Our experts also predict that large banks will continue their push into real-time payments in the U.S., letting more clients transfer money instantly.
The future of funding
Fintechs can thank the likes of SoftBank Group Corp. for the ample supply of capital, allowing more companies to expand quickly and test new products while remaining private. Most experts said they thought the money would keep flowing, though a turn in the economy could change that dynamic.