<p>全球金融服务行业是一个投资机会的海洋，今天的市场价值超过 33 万亿美元，预计在未来几年将增长到超过 44 万亿美元。</p>
<p>但这并不是一个容易建立业务的地方。大型银行和其他现有企业对新进入者拥有巨大的权力，而这还不包括公司必须应对行业的监管障碍。</p>
<p>尽管如此，一些公司已经成功入局，并且现在展现出令人印象深刻的增长，这反映了它们创新的产品和服务，以及它们如何与消费者产生共鸣。</p>
<p>以下是四只在众多金融科技股票中脱颖而出的优秀股票，它们是真正的颠覆者，如果它们的增长持续下去，可能会在扩展和改变各自行业的过程中产生超额投资回报。最棒的是？你现在可以以大约 260 美元的价格购买每一只股票。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84Mjk2MzEvZ2V0dHktZmludGVjaC5qcGcmdz03MDA?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84Mjk2MzEvZ2V0dHktZmludGVjaC5qcGcmdz03MDA"/></p>
<p>图片来源：Getty Images。</p>
<h2>1. 一家快速增长的数字银行</h2>
<p><strong>SoFi Technologies</strong>(SOFI 1.93%) 可能是美国增长最快的银行。该公司的客户数量从 2020 年初的略超过 100 万激增至今天的 1170 多万。秘诀在于其数字足迹和一个超级应用程序，将 SoFi 所有可用的产品和服务整合成一个可以在智能手机上访问的一站式商店。SoFi 最初从学生贷款业务起步，这帮助它在年轻消费者中建立了品牌知名度。</p>
<p>现在，SoFi 拥有巨大的发展势头。该公司仅凭客户增长就显著增长，并且仍然有巨大的机会向其用户交叉销售。典型的 SoFi 客户平均使用不到两个产品。该公司现在也实现了盈利，表明它已经成为一个可持续的业务，未来可能会有多年的快速增长。</p>
<h2>2. 让投资变得酷炫的公司</h2>
<p><strong>Robinhood Markets</strong>(HOOD 0.74%) 通过提供零佣金交易打入了竞争激烈的投资行业，这在之前是不可想象的。它的成功使其成为行业的常态。从那时起，Robinhood 已成为经纪行业的一个显著竞争者，拥有超过 2600 万个资金账户。</p>
<p>该公司以其创新的用户界面而闻名，尽管有时也因将股票和期权交易游戏化而受到批评。Robinhood 在总平台资产方面仍远远落后于行业巨头，资产总额为 2980 亿美元。尽管如此，随着其产品的扩展以及财富从老一代投资者转移到千禧一代和 Z 世代投资者（Robinhood 通常吸引的群体），其资产基础正在迅速增长。</p>
<h2>3. 改变贷款人评估信用的方式</h2>
<p><strong>Upstart</strong>(UPST 1.90%) 正在努力打破信用评分对消费者的控制。根据 Upstart 的数据，大多数美国人无法获得传统的优质信用，尽管约 80% 的消费者从未违约过贷款。Upstart 的软件利用人工智能（AI）来评估借款人的信用 worthiness。该公司最初专注于个人贷款，但已扩展到汽车贷款和房屋净值信贷。</p>
<p>该公司主要通过将贷款推荐给超过 100 家银行和信用合作社的合作网络来赚钱，收取费用。Upstart 面临一些挑战。利率波动在 2022 年和 2023 年给公司带来了问题，并且该公司仍在其资产负债表上持有一些贷款，因为它正在努力向将购买 Upstart 发放的贷款的机构证明其技术。如果 Upstart 能够在其模型中建立足够的信心，前景将是无限的。</p>
<h2>4. 颠覆保险行业</h2>
<p><strong>Lemonade</strong>(LMND 4.08%) 是一个在竞争激烈的保险行业中的黑马。该公司通过与竞争对手完全不同的方式进入市场。它拥抱数字足迹，摒弃传统的代理人模式，采用 AI 驱动的聊天机器人，在几秒钟内处理销售和客户服务，通常比联系人工代理人更快。它是一家公共利益公司，基本上限制其利润，在达到一定点后将剩余的保费捐赠给慈善机构，帮助建立其品牌形象。</p>
<p>客户继续涌向 Lemonade。其客户数量在第二季度同比增长 24%，达到 269 万。此外，其损失率（衡量保险公司承保效率的指标）随着时间的推移而改善，Lemonade 也逐渐向客户提供新的保险类型。尽管该公司的规模仍然远小于竞争对手，但这里有很多值得关注的地方。如果 Lemonade 能够继续执行并吸引新客户，其股票在当前 40 亿美元的市值基础上具有显著的长期上行潜力。</p>

HOOD

SOFI

<p>全球金融服务行业的价值超过 33 万亿美元，提供了显著的投资机会。四只突出的金融科技股票包括：SoFi Technologies，一家快速增长的数字银行；Robinhood Markets，以零佣金交易而闻名；Upstart，利用人工智能评估信用 worthiness；以及 Lemonade，一家创新的保险公司。每只股票的购买价格约为 260 美元，随着它们颠覆各自行业并吸引年轻消费者群体，具有可观的增长潜力</p>

<p>The global financial services sector is an ocean of investment opportunity, worth over $33 trillion today, and expected to grow to over $44 trillion over the next few years.</p>
<div class="lb-trans"><p>全球金融服务行业是一个投资机会的海洋，今天的市场价值超过 33 万亿美元，预计在未来几年将增长到超过 44 万亿美元。</p>
</div><p>But it's not an easy place to build a business. Giant banks and other incumbents wield immense power over new entrants, and that's before companies must navigate the industry's regulatory hurdles.</p>
<div class="lb-trans"><p>但这并不是一个容易建立业务的地方。大型银行和其他现有企业对新进入者拥有巨大的权力，而这还不包括公司必须应对行业的监管障碍。</p>
</div><p>That said, some companies have gotten a foot in the door and are now putting up impressive growth, a reflection of their innovative products and services, and how they are resonating with consumers.</p>
<div class="lb-trans"><p>尽管如此，一些公司已经成功入局，并且现在展现出令人印象深刻的增长，这反映了它们创新的产品和服务，以及它们如何与消费者产生共鸣。</p>
</div><p>Here are four fantastic fintech stocks that stand out from the crowd, genuine disruptors that, if their growth continues, could generate outsize investment returns as they expand and change their respective industries. The best part? You can buy a share of each for about $260 right now.</p>
<div class="lb-trans"><p>以下是四只在众多金融科技股票中脱颖而出的优秀股票，它们是真正的颠覆者，如果它们的增长持续下去，可能会在扩展和改变各自行业的过程中产生超额投资回报。最棒的是？你现在可以以大约 260 美元的价格购买每一只股票。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84Mjk2MzEvZ2V0dHktZmludGVjaC5qcGcmdz03MDA" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F829631%2Fgetty-fintech.jpg&amp;op=resize&amp;w=700"/></p>
<p>Image source: Getty Images.</p>
<div class="lb-trans"><p>图片来源：Getty Images。</p>
</div><h2>1. A rapidly growing digital bank</h2>
<div class="lb-trans"><h2>1. 一家快速增长的数字银行</h2>
</div><p><strong>SoFi Technologies</strong>(SOFI 1.93%) could be the fastest-growing bank in America. The company's customer count has surged from just over 1 million in early 2020 to over 11.7 million today. The secret? A digital footprint888888888888888888888888888888888888888 and a super app that bundles all of SoFi's available products and services into a one-stop shop you can access on your smartphone. SoFi started in the student loan business, which helped it build name recognition with younger consumers.</p>
<div class="lb-trans"><p><strong>SoFi Technologies</strong>(SOFI 1.93%) 可能是美国增长最快的银行。该公司的客户数量从 2020 年初的略超过 100 万激增至今天的 1170 多万。秘诀在于其数字足迹和一个超级应用程序，将 SoFi 所有可用的产品和服务整合成一个可以在智能手机上访问的一站式商店。SoFi 最初从学生贷款业务起步，这帮助它在年轻消费者中建立了品牌知名度。</p>
</div><p>Now, SoFi has boatloads of momentum. The company has grown significantly from customer growth alone, and still has tremendous opportunities to cross-sell to its users. The typical SoFi customer uses less than two products on average. The company is also profitable now, indicating that it has become a sustainable business that could have years of rampant growth ahead.</p>
<div class="lb-trans"><p>现在，SoFi 拥有巨大的发展势头。该公司仅凭客户增长就显著增长，并且仍然有巨大的机会向其用户交叉销售。典型的 SoFi 客户平均使用不到两个产品。该公司现在也实现了盈利，表明它已经成为一个可持续的业务，未来可能会有多年的快速增长。</p>
</div><h2>2. The company that made investing cool</h2>
<div class="lb-trans"><h2>2. 让投资变得酷炫的公司</h2>
</div><p><strong>Robinhood Markets</strong>(HOOD 0.74%) broke into a competitive investment industry by offering zero-commission trades, a previously unfathomable idea. It was so successful that it has become the industry's norm. Since then, Robinhood has become a notable competitor in the brokerage landscape, with over 26 million funded accounts.</p>
<div class="lb-trans"><p><strong>Robinhood Markets</strong>(HOOD 0.74%) 通过提供零佣金交易打入了竞争激烈的投资行业，这在之前是不可想象的。它的成功使其成为行业的常态。从那时起，Robinhood 已成为经纪行业的一个显著竞争者，拥有超过 2600 万个资金账户。</p>
</div><p>The company is known for an innovative user interface, though it has also drawn criticism at times for gamifying stocks and options trading. Robinhood still lags far behind industry giants in total platform assets, with $298 billion. Still, its asset base is growing quickly as its offerings expand and wealth transfers from older generations of investors to millennials and Gen Z investors, whom Robinhood tends to attract.</p>
<div class="lb-trans"><p>该公司以其创新的用户界面而闻名，尽管有时也因将股票和期权交易游戏化而受到批评。Robinhood 在总平台资产方面仍远远落后于行业巨头，资产总额为 2980 亿美元。尽管如此，随着其产品的扩展以及财富从老一代投资者转移到千禧一代和 Z 世代投资者（Robinhood 通常吸引的群体），其资产基础正在迅速增长。</p>
</div><h2>3. Changing how lenders evaluate credit</h2>
<div class="lb-trans"><h2>3. 改变贷款人评估信用的方式</h2>
</div><p><strong>Upstart</strong>(UPST 1.90%) is trying to break the stranglehold that credit scores have on consumers. According to Upstart, most Americans cannot access traditional prime credit despite approximately 80% of consumers having never defaulted on a loan. Upstart's software uses artificial intelligence (AI) to evaluate creditworthiness for borrowers. The company began in personal loans but has expanded to automotive loans and home equity lines of credit.</p>
<div class="lb-trans"><p><strong>Upstart</strong>(UPST 1.90%) 正在努力打破信用评分对消费者的控制。根据 Upstart 的数据，大多数美国人无法获得传统的优质信用，尽管约 80% 的消费者从未违约过贷款。Upstart 的软件利用人工智能（AI）来评估借款人的信用 worthiness。该公司最初专注于个人贷款，但已扩展到汽车贷款和房屋净值信贷。</p>
</div><p>The company makes money primarily by referring loans to a partner network of over 100 banks and credit unions for a fee. Upstart has faced some adversity. Interest rate volatility caused problems for the company in 2022 and 2023, and the company is still holding some loans on its balance sheet as it works on proving its technology to institutions that would buy the loans Upstart issues decisions on. If Upstart can instill enough confidence in its models, the sky could be the limit.</p>
<div class="lb-trans"><p>该公司主要通过将贷款推荐给超过 100 家银行和信用合作社的合作网络来赚钱，收取费用。Upstart 面临一些挑战。利率波动在 2022 年和 2023 年给公司带来了问题，并且该公司仍在其资产负债表上持有一些贷款，因为它正在努力向将购买 Upstart 发放的贷款的机构证明其技术。如果 Upstart 能够在其模型中建立足够的信心，前景将是无限的。</p>
</div><h2>4. Turning the insurance industry upside down</h2>
<div class="lb-trans"><h2>4. 颠覆保险行业</h2>
</div><p><strong>Lemonade</strong>(LMND 4.08%) is an underdog in a ruthlessly competitive insurance industry. The company landed on the map by doing things entirely differently from its competitors. It embraced a digital footprint, eschewing the traditional agent model market for AI-powered chatbots that handle sales and customer service in seconds, often faster than it takes to get a human agent on the phone. It's a public benefit corporation that essentially caps its profits, donating leftover premiums after a certain point to charities, helping build its brand image.</p>
<div class="lb-trans"><p><strong>Lemonade</strong>(LMND 4.08%) 是一个在竞争激烈的保险行业中的黑马。该公司通过与竞争对手完全不同的方式进入市场。它拥抱数字足迹，摒弃传统的代理人模式，采用 AI 驱动的聊天机器人，在几秒钟内处理销售和客户服务，通常比联系人工代理人更快。它是一家公共利益公司，基本上限制其利润，在达到一定点后将剩余的保费捐赠给慈善机构，帮助建立其品牌形象。</p>
</div><p>Customers continue to flock to Lemonade. Its customer count rose by 24% year over year in the second quarter to 2.69 million. Plus, its loss ratio, a metric of how efficient an insurer is at underwriting its policies, has improved over time, and Lemonade is gradually offering new types of insurance to its customers. There is a lot to like here, even though the company is still a fraction of the size of its competitors. If Lemonade can continue to execute and attract new customers, the stock has significant long-term upside from its current $4 billion market value.</p>
<div class="lb-trans"><p>客户继续涌向 Lemonade。其客户数量在第二季度同比增长 24%，达到 269 万。此外，其损失率（衡量保险公司承保效率的指标）随着时间的推移而改善，Lemonade 也逐渐向客户提供新的保险类型。尽管该公司的规模仍然远小于竞争对手，但这里有很多值得关注的地方。如果 Lemonade 能够继续执行并吸引新客户，其股票在当前 40 亿美元的市值基础上具有显著的长期上行潜力。</p>
</div>

4 只金融科技成长股，投资 260 美元并长期持有