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The source adds the following information:
"Fintech - financial technology - is an umbrella term used to describe tech-enabled solutions disrupting traditional financial services, and challenging incumbent service providers. While increasingly, many companies include an element of fintech in their work, and incumbents launch fintech-esque products in-house, this report focuses on startups with a fintech solution at the core of their business. So, for example, while an e-commerce platform which accepts payments is not a fintech startup for the purposes of this report; an agri-tech company operating a crowdfunding solution specifically for farmers is considered a fintech venture. A fintech product rolled out by a bank or established company will not be included in this report even if it self-refers as a startup".