World's Best Financial Platforms Ranking 2025
In response to the growing influence of financial platforms, TABInsights has developed a comprehensive assessment of the world’s leading financial platforms since 2022. These platforms are technology-driven ecosystems that provide a range of financial services and tools, often through a digital interface such as a mobile app or website. By leveraging technology, these platforms simplify, innovate, and democratise access to financial products and services.
The financial platforms are ranked based on a six-dimensional balanced scorecard that evaluates their capabilities across six critical areas: customer, coverage and service scope, usage and engagement, financial performance, ecosystem, and strategy and leadership.
| Rank | Platform | Country/Region | Year of launch | Customer | Coverage and Service Scope | Usage and Engagement | Financial Performance | Ecosystem | Strategy and Leadership | Final score | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Users | User growth | Total Score | # of markets |
# of financial
products
|
Total Score | GTV/User | GTV growth | NPS | Total Score | Gross revenue | Revenue growth | Profitability | Total Score | Extensiveness of ecosystems | Total Score | Key achievements | Total Score | |||||
| Score | Score | 20% | Score | Score | 20% | Score | Score | Score | 20% | Score | Score | Score | 20% | Score | 10% | Score | 10% | |||||
| 10 | 10 | 20 | 10 | 8 | 20 | 10 | 10 | 10 | 20 | 10 | 10 | 10 | 20 | 10 | 10 | 10 | 10 | 100 | ||||
| 1 | Alipay | Global | 2004 | 10.0 | 1.0 | 11.0 | 10.0 | 7.0 | 18.9 | 10.0 | 2.0 | 6.2 | 12.1 | 10.0 | 2.0 | 7.0 | 12.7 | 8.0 | 8.0 | 7.0 | 7.0 | 69.7 |
| 2 | Revolut | Global | 2015 | 4.0 | 8.0 | 12.0 | 10.0 | 7.0 | 18.9 | 10.0 | 6.0 | 1.0 | 11.3 | 6.0 | 10.0 | 9.0 | 16.7 | 5.0 | 5.0 | 5.0 | 5.0 | 68.9 |
| 3 | Global | 2011 | 10.0 | 1.0 | 11.0 | 10.0 | 5.0 | 16.7 | 10.0 | 2.0 | 5.6 | 11.7 | 10.0 | 2.0 | 7.0 | 12.7 | 8.0 | 8.0 | 6.0 | 6.0 | 66.1 | |
| 4 | Apple Pay | Global | 2014 | 10.0 | 2.0 | 12.0 | 10.0 | 4.0 | 15.6 | 10.0 | 3.0 | 3.7 | 11.1 | 7.0 | 3.0 | 8.0 | 12.0 | 6.0 | 6.0 | 6.0 | 6.0 | 62.7 |
| 5 | PayPal | Global | 1998 | 10.0 | 0.0 | 10.0 | 10.0 | 7.0 | 18.9 | 8.0 | 2.0 | 1.0 | 7.3 | 10.0 | 1.0 | 8.0 | 12.7 | 6.0 | 6.0 | 6.0 | 6.0 | 60.9 |
| 6 | Mercado Pago | Latin and South America | 2003 | 5.0 | 5.0 | 10.0 | 8.0 | 8.0 | 17.8 | 8.0 | 5.0 | 5.0 | 12.0 | 9.0 | 4.0 | 0.0 | 8.7 | 6.0 | 6.0 | 5.0 | 5.0 | 59.4 |
| 7 | Wise | Global | 2011 | 4.0 | 6.0 | 10.0 | 10.0 | 3.0 | 14.4 | 10.0 | 2.0 | 2.5 | 9.7 | 6.0 | 5.0 | 10.0 | 14.0 | 5.0 | 5.0 | 6.0 | 6.0 | 59.1 |
| 8 | GCash | Philippines | 2004 | 5.0 | 5.0 | 10.0 | 10.0 | 7.0 | 18.9 | 8.0 | 3.0 | 6.8 | 11.9 | 3.0 | 3.0 | 4.0 | 6.7 | 5.0 | 5.0 | 6.0 | 6.0 | 58.4 |
| 9 | M-Pesa | Africa | 2007 | 6.0 | 2.0 | 8.0 | 8.0 | 7.0 | 16.7 | 9.0 | 2.0 | 5.0 | 10.7 | 4.0 | 2.0 | 8.0 | 9.3 | 7.0 | 7.0 | 5.0 | 5.0 | 56.7 |
| 10 | DANA | Indonesia | 2017 | 7.0 | 5.0 | 12.0 | 1.0 | 4.0 | 5.6 | 2.0 | 10.0 | 5.3 | 11.5 | 3.0 | 4.0 | 0.0 | 4.7 | 6.0 | 6.0 | 6.0 | 6.0 | 45.8 |
| 11 | Klarna | Global | 2017 | 8.0 | 1.0 | 9.0 | 10.0 | 3.0 | 14.4 | 3.0 | 2.0 | 3.0 | 5.3 | 7.0 | 3.0 | 0.0 | 6.7 | 5.0 | 5.0 | 5.0 | 5.0 | 45.4 |
| 12 | PhonePe | India | 2016 | 9.0 | 4.0 | 13.0 | 1.0 | 4.0 | 5.6 | 8.0 | 5.0 | 3.2 | 10.8 | 4.0 | 8.0 | 0.0 | 8.0 | 4.0 | 4.0 | 4.0 | 4.0 | 45.4 |
| 13 | Sea | Southeast Asia | 2009 | 10.0 | 1.0 | 11.0 | 8.0 | 4.0 | 13.3 | 1.0 | 1.0 | 2.0 | 2.7 | 10.0 | 1.0 | 3.0 | 9.3 | 5.0 | 5.0 | 4.0 | 4.0 | 45.3 |
| 14 | Kakao Pay | South Korea | 2014 | 5.0 | 2.0 | 7.0 | 6.0 | 7.0 | 14.4 | 8.0 | 3.0 | 3.0 | 9.3 | 3.0 | 2.0 | 0.0 | 3.3 | 6.0 | 6.0 | 5.0 | 5.0 | 45.1 |
| 15 | Grab | Southeast Asia | 2012 | 5.0 | 2.0 | 7.0 | 8.0 | 5.0 | 14.4 | 3.0 | 1.0 | 1.0 | 3.3 | 7.0 | 7.0 | 0.0 | 9.3 | 6.0 | 6.0 | 5.0 | 5.0 | 45.1 |
| 16 | N26 | Europe | 2015 | 2.0 | 1.0 | 3.0 | 10.0 | 7.0 | 18.9 | 10.0 | 2.0 | 2.0 | 9.3 | 3.0 | 4.0 | 0.0 | 4.7 | 5.0 | 5.0 | 4.0 | 4.0 | 44.9 |
| 17 | Toss | South Korea | 2015 | 4.0 | 2.0 | 6.0 | 7.0 | 7.0 | 15.6 | 7.0 | 2.0 | 1.5 | 7.0 | 5.0 | 3.0 | 0.0 | 5.3 | 6.0 | 6.0 | 5.0 | 5.0 | 44.9 |
| 18 | Google Pay | Global | 2015 | 9.0 | 1.0 | 10.0 | 10.0 | 3.0 | 14.4 | 7.0 | 2.0 | 2.0 | 7.3 | 7.0 | 2.0 | 0.0 | 6.0 | 4.0 | 4.0 | 3.0 | 3.0 | 44.8 |
| 19 | Paytm | India | 2009 | 8.0 | 4.0 | 12.0 | 1.0 | 8.0 | 10.0 | 6.0 | 4.0 | 4.0 | 9.3 | 5.0 | 3.0 | 0.0 | 5.3 | 6.0 | 6.0 | 2.0 | 2.0 | 44.7 |
| 20 | TrueMoney | Southeast Asia | 2005 | 4.0 | 4.0 | 8.0 | 7.0 | 7.0 | 15.6 | 3.0 | 2.0 | 5.6 | 7.1 | 3.0 | 2.0 | 1.0 | 4.0 | 6.0 | 6.0 | 4.0 | 4.0 | 44.6 |
| 21 | Inter | Brazil&USA | 2017 | 4.0 | 6.0 | 10.0 | 2.0 | 8.0 | 11.1 | 6.0 | 4.0 | 3.0 | 8.7 | 4.0 | 4.0 | 2.0 | 6.7 | 4.0 | 4.0 | 4.0 | 4.0 | 44.4 |
| 22 | MobiKwik | India | 2009 | 6.0 | 5.0 | 11.0 | 1.0 | 5.0 | 6.7 | 1.0 | 9.0 | 4.6 | 9.7 | 3.0 | 6.0 | 4.0 | 8.7 | 4.0 | 4.0 | 4.0 | 4.0 | 44.1 |
| 23 | Starling | UK | 2015 | 2.0 | 4.0 | 6.0 | 1.0 | 5.0 | 6.7 | 10.0 | 3.0 | 3.0 | 10.7 | 4.0 | 6.0 | 9.0 | 12.7 | 4.0 | 4.0 | 4.0 | 4.0 | 44.0 |
| 24 | PayPay | Japan | 2018 | 5.0 | 2.0 | 7.0 | 1.0 | 7.0 | 8.9 | 6.0 | 3.0 | 5.0 | 9.3 | 5.0 | 3.0 | 4.0 | 8.0 | 4.0 | 4.0 | 6.0 | 6.0 | 43.2 |
| 25 | Cash App | USA | 2013 | 6.0 | 2.0 | 8.0 | 2.0 | 5.0 | 7.8 | 8.0 | 3.0 | 4.0 | 10.0 | 9.0 | 4.0 | 0.0 | 8.7 | 4.0 | 4.0 | 4.0 | 4.0 | 42.4 |
| 26 | Careem | Middle East and Africa | 2012 | 5.0 | 2.0 | 7.0 | 10.0 | 3.0 | 14.4 | 4.0 | 3.0 | 3.0 | 6.7 | 4.0 | 2.0 | 0.0 | 4.0 | 4.0 | 4.0 | 6.0 | 6.0 | 42.1 |
| 27 | Qonto | Europe | 2017 | 1.0 | 4.0 | 5.0 | 8.0 | 5.0 | 14.4 | 8.0 | 2.0 | 5.0 | 10.0 | 3.0 | 2.0 | 0.0 | 3.3 | 4.0 | 4.0 | 4.0 | 4.0 | 40.8 |
| 28 | Maya | Philippines | 2016 | 4.0 | 3.0 | 7.0 | 1.0 | 8.0 | 10.0 | 5.0 | 3.0 | 6.6 | 9.7 | 3.0 | 4.0 | 0.0 | 4.7 | 4.0 | 4.0 | 5.0 | 5.0 | 40.4 |
| 29 | Touch 'n Go | Malaysia | 1997 | 4.0 | 2.0 | 6.0 | 1.0 | 5.0 | 6.7 | 4.0 | 10.0 | 6.1 | 13.4 | 2.0 | 7.0 | 0.0 | 6.0 | 4.0 | 4.0 | 4.0 | 4.0 | 40.1 |
| 30 | MoMo | Vienam | 2010 | 4.0 | 2.0 | 6.0 | 1.0 | 7.0 | 8.9 | 5.0 | 3.0 | 5.5 | 9.0 | 3.0 | 2.0 | 0.0 | 3.3 | 6.0 | 6.0 | 6.0 | 6.0 | 39.2 |
Source: TABInsights
World's Best Financial Platforms Ranking 2024
In response to the growing influence of platforms and wallets, TABInsights has developed a comprehensive assessment of the world’s leading platforms, ranking them based on a six-dimensional balanced scorecard. This evaluation measures their capabilities across six critical areas: customer focus, service coverage, usage and engagement, financial performance, ecosystem strength, and strategy and leadership.
| Rank | Platform | Country/Region | Year of launch | Customer | Coverage and Service Scope | Usage and Engagement | Financial Performance | Ecosystem | Strategy and Leadership | Final score | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Users/ Population | User growth | Total Score | # of markets | # of financial products |
Total Score | GTV/User | GTV growth | NPS | Total Score | Gross revenue | Revenue growth | Profitable (Y/N) | Total Score | Extensiveness of ecosystems | Total Score | Key achievements | Total Score | |||||
| Score | Score | 20% | Score | Score | 20% | Score | Score | Score | 20% | Score | Score | Score | 20% | Score | 10% | Score | 10% | |||||
| 10 | 10 | 20 | 10 | 8 | 20 | 10 | 10 | 10 | 20 | 10 | 10 | 10 | 20 | 10 | 10 | 10 | 10 | 100 | ||||
| 1 | Alipay | China | 2004 | 7.0 | 1.0 | 8.0 | 10.0 | 7.0 | 18.9 | 10.0 | 1.0 | 5.4 | 10.9 | 10.0 | 1.0 | 10.0 | 14.0 | 8.0 | 8.0 | 7.0 | 7.0 | 66.8 |
| 2 | Gcash | Philippines | 2004 | 6.0 | 4.0 | 10.0 | 10.0 | 7.0 | 18.9 | 9.0 | 4.0 | 6.8 | 13.2 | 2.0 | 6.0 | 10.0 | 12.0 | 4.0 | 4.0 | 7.0 | 7.0 | 65.1 |
| 3 | WeChat Pay | China | 2013 | 5.0 | 1.0 | 6.0 | 10.0 | 5.0 | 16.7 | 10.0 | 1.0 | 5.0 | 10.7 | 10.0 | 1.0 | 10.0 | 14.0 | 7.0 | 7.0 | 5.0 | 5.0 | 59.3 |
| 4 | Wise | UK | 2011 | 2.0 | 6.0 | 8.0 | 10.0 | 3.0 | 14.4 | 10.0 | 2.0 | 2.8 | 9.9 | 6.0 | 6.0 | 10.0 | 14.7 | 5.0 | 5.0 | 6.0 | 6.0 | 58.0 |
| 5 | M-Pesa | Africa | 2007 | 2.0 | 2.0 | 4.0 | 8.0 | 7.0 | 16.7 | 9.0 | 2.0 | 5.0 | 10.7 | 4.0 | 2.0 | 10.0 | 10.7 | 7.0 | 7.0 | 6.0 | 6.0 | 55.0 |
| 6 | Apple Pay | Global | 2014 | 1.0 | 1.0 | 2.0 | 10.0 | 4.0 | 15.6 | 10.0 | 2.0 | 3.7 | 10.5 | 7.0 | 3.0 | 10.0 | 13.3 | 5.0 | 5.0 | 6.0 | 6.0 | 52.4 |
| 7 | KakaoPay | South Korea | 2014 | 8.0 | 0.0 | 8.0 | 8.0 | 5.0 | 14.4 | 8.0 | 2.0 | 0.0 | 6.7 | 3.0 | 2.0 | 10.0 | 10.0 | 6.0 | 6.0 | 6.0 | 6.0 | 51.1 |
| 8 | PayPal | Global | 1998 | 1.0 | 0.0 | 1.0 | 10.0 | 6.0 | 17.8 | 8.0 | 1.0 | 0.0 | 6.0 | 10.0 | 1.0 | 10.0 | 14.0 | 5.0 | 5.0 | 5.0 | 5.0 | 48.8 |
| 9 | Toss | South Korea | 2015 | 5.0 | 2.0 | 7.0 | 7.0 | 7.0 | 15.6 | 8.0 | 2.0 | 1.5 | 7.7 | 5.0 | 3.0 | 0.0 | 5.3 | 6.0 | 6.0 | 6.0 | 6.0 | 47.6 |
| 10 | DANA | Indonesia | 2017 | 7.0 | 5.0 | 12.0 | 1.0 | 3.0 | 4.4 | 1.0 | 10.0 | 5.3 | 10.9 | 3.0 | 6.0 | 0.0 | 6.0 | 6.0 | 6.0 | 5.0 | 5.0 | 44.3 |
Methodology: The scorecard assessment covers capabilities mapped across six key dimensions: customer, coverage and service scope, usage and engagement, financial performance, ecosystem, and strategy and leadership.
Source: TABInsights
| Rank | Platform | Country/Region | Year of launch | Customer | Coverage and Service Scope | Usage and Engagement | Financial Performance | Ecosystem | Strategy and Leadership | Final score | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Users/ Population | User growth | Total Score | # of markets | # of financial products |
Total Score | GTV/User | GTV growth | NPS | Total Score | Gross revenue | Revenue growth | Profitable (Y/N) | Total Score | Extensiveness of ecosystems | Total Score | Key achievements | Total Score | |||||
| Score | Score | 20% | Score | Score | 20% | Score | Score | Score | 20% | Score | Score | Score | 20% | Score | 10% | Score | 10% | |||||
| 10 | 10 | 20 | 10 | 8 | 20 | 10 | 10 | 10 | 20 | 10 | 10 | 10 | 20 | 10 | 10 | 10 | 10 | 100 | ||||
| 1 | Alipay | China | 2004 | 7.0 | 1.0 | 8.0 | 10.0 | 7.0 | 18.9 | 10.0 | 0.0 | 5.4 | 10.3 | 10.0 | 0.0 | 10.0 | 13.3 | 8.0 | 8.0 | 6.0 | 6.0 | 64.5 |
| 2 | Gcash | Philippines | 2004 | 5.0 | 7.0 | 12.0 | 7.0 | 7.0 | 15.6 | 8.0 | 6.0 | 7.6 | 14.4 | 2.0 | 6.0 | 10.0 | 12.0 | 3.0 | 3.0 | 7.0 | 7.0 | 64.0 |
| 3 | Wise | UK | 2011 | 2.0 | 7.0 | 9.0 | 10.0 | 3.0 | 14.4 | 10.0 | 4.0 | 3.0 | 11.3 | 5.0 | 8.0 | 10.0 | 15.3 | 5.0 | 5.0 | 6.0 | 6.0 | 61.1 |
| 4 | WeChat Pay | China | 2013 | 5.0 | 1.0 | 6.0 | 10.0 | 5.0 | 16.7 | 10.0 | 0.0 | 5.0 | 10.0 | 10.0 | 0.0 | 10.0 | 13.3 | 7.0 | 7.0 | 5.0 | 5.0 | 58.0 |
| 5 | M-Pesa | Africa | 2007 | 2.0 | 2.0 | 4.0 | 7.0 | 7.0 | 15.6 | 9.0 | 2.0 | 5.0 | 10.7 | 3.0 | 2.0 | 10.0 | 10.0 | 7.0 | 7.0 | 7.0 | 7.0 | 54.2 |
| 6 | KakaoPay | South Korea | 2014 | 8.0 | 2.0 | 10.0 | 6.0 | 4.0 | 11.1 | 8.0 | 2.0 | 1.7 | 7.8 | 3.0 | 2.0 | 10.0 | 10.0 | 6.0 | 6.0 | 6.0 | 6.0 | 50.9 |
| 7 | PayPal | Global | 1998 | 1.0 | 1.0 | 2.0 | 10.0 | 6.0 | 17.8 | 8.0 | 1.0 | 0.0 | 6.0 | 10.0 | 1.0 | 10.0 | 14.0 | 5.0 | 5.0 | 6.0 | 6.0 | 50.8 |
| 8 | DANA | Indonesia | 2017 | 9.0 | 8.0 | 17.0 | 1.0 | 2.0 | 3.3 | 1.0 | 10.0 | 5.8 | 11.2 | 3.0 | 6.0 | 0.0 | 6.0 | 6.0 | 6.0 | 7.0 | 7.0 | 50.5 |
| 9 | Apple Pay | Global | 2014 | 1.0 | 1.0 | 2.0 | 10.0 | 4.0 | 15.6 | 10.0 | 1.0 | 5.2 | 10.8 | 6.0 | 1.0 | 10.0 | 11.3 | 5.0 | 5.0 | 4.0 | 4.0 | 48.7 |
| 10 | Toss | South Korea | 2015 | 5.0 | 3.0 | 8.0 | 7.0 | 7.0 | 15.6 | 8.0 | 3.0 | 3.0 | 9.3 | 3.0 | 3.0 | 0.0 | 4.0 | 6.0 | 6.0 | 5.0 | 5.0 | 47.9 |
| 11 | Paytm | India | 2009 | 1.0 | 7.0 | 8.0 | 2.0 | 8.0 | 11.1 | 5.0 | 6.0 | 2.1 | 8.7 | 5.0 | 6.0 | 0.0 | 7.3 | 6.0 | 6.0 | 4.0 | 4.0 | 45.2 |
| 12 | MoMo | Vienam | 2010 | 3.0 | 5.0 | 8.0 | 1.0 | 7.0 | 8.9 | 4.0 | 3.0 | 4.7 | 7.8 | 2.0 | 4.0 | 0.0 | 4.0 | 7.0 | 7.0 | 7.0 | 7.0 | 42.7 |
| 13 | Grab | Southeast Asia | 2012 | 1.0 | 3.0 | 4.0 | 8.0 | 5.0 | 14.4 | 1.0 | 3.0 | 2.6 | 4.4 | 2.0 | 7.0 | 0.0 | 6.0 | 7.0 | 7.0 | 6.0 | 6.0 | 41.8 |
| 14 | GoTo | Indonesia | 2021 | 4.0 | 2.0 | 6.0 | 3.0 | 4.0 | 7.8 | 2.0 | 7.0 | 5.3 | 9.5 | 3.0 | 5.0 | 0.0 | 5.3 | 6.0 | 6.0 | 7.0 | 7.0 | 41.6 |
| 15 | Klarna | Sweden | 2017 | 1.0 | 1.0 | 2.0 | 10.0 | 3.0 | 14.4 | 3.0 | 3.0 | 2.8 | 5.9 | 6.0 | 2.0 | 0.0 | 5.3 | 5.0 | 5.0 | 7.0 | 7.0 | 39.6 |
| 16 | Papara | Turkey | 2016 | 3.0 | 7.0 | 10.0 | 1.0 | 5.0 | 6.7 | 1.0 | 2.0 | 2.0 | 3.3 | 1.0 | 3.0 | 10.0 | 9.3 | 5.0 | 5.0 | 5.0 | 5.0 | 39.3 |
| 17 | True Money | Southeast Asia | 2005 | 1.0 | 2.0 | 3.0 | 7.0 | 7.0 | 15.6 | 2.0 | 3.0 | 4.0 | 6.0 | 2.0 | 2.0 | 0.0 | 2.7 | 6.0 | 6.0 | 6.0 | 6.0 | 39.2 |
| 18 | Boost | Malaysia | 2017 | 1.0 | 3.0 | 4.0 | 7.0 | 3.0 | 11.1 | 5.0 | 3.0 | 2.7 | 7.1 | 1.0 | 6.0 | 0.0 | 4.7 | 5.0 | 5.0 | 5.0 | 5.0 | 36.9 |
| 19 | Google Pay | Global | 2015 | 1.0 | 1.0 | 2.0 | 10.0 | 3.0 | 14.4 | 3.0 | 1.0 | 3.0 | 4.7 | 8.0 | 1.0 | 0.0 | 6.0 | 4.0 | 4.0 | 4.0 | 4.0 | 35.1 |
| 20 | LINE Pay | Asia | 2014 | 1.0 | 2.0 | 3.0 | 4.0 | 7.0 | 12.2 | 7.0 | 1.0 | 3.0 | 7.3 | 3.0 | 1.0 | 0.0 | 2.7 | 5.0 | 5.0 | 3.0 | 3.0 | 33.2 |
| 21 | Venmo | US | 2009 | 3.0 | 4.0 | 7.0 | 1.0 | 4.0 | 5.6 | 8.0 | 1.0 | 0.0 | 6.0 | 4.0 | 1.0 | 0.0 | 3.3 | 4.0 | 4.0 | 5.0 | 5.0 | 30.9 |
| 22 | Samsung Pay | Global | 2015 | 1.0 | 1.0 | 2.0 | 10.0 | 2.0 | 13.3 | 2.0 | 1.0 | 1.0 | 2.7 | 1.0 | 1.0 | 0.0 | 1.3 | 3.0 | 3.0 | 2.0 | 2.0 | 24.3 |
Methdology: The scorecard assessment covers capabilities mapped across six key dimensions: customer, coverage and service scope, usage and engagement, financial performance, ecosystem, and strategy and leadership.
Source: TABInsights
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