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3 innovative FinTech start-ups in Japan

By Leandra Monteiro

July 11, 2022

  • Digital Lending
  • FinTech
  • Instant Payments

Fintech, JapanIn the last few years, the Japanese FinTech market has witnessed significant developments. Among the top start-up hubs in Japan, Tokyo is the main start-up hub. In order to grow the FinTech ecosystem, the government of Japan laid out a 7-step strategy. The strategy comprises of the creation of a start-up city, providing entrepreneurship education, state procurement, enhanced accelerator programs and funding for start-ups. These initiatives have paved the way for start-ups in Japan.

As the Japanese FinTech industry continues to grow, here’s a look at 3 of the country’s most promising FinTech start-ups:

Money Design

Tokyo-based Money Design was found in 2013 by Mamoru Taniya. The FinTech company provides automated investment management and online advisory services. Money Design’s main product is THEO, a robo advisor that uses AI and algorithms. Through Theo, people can invest in dozens of world currencies and thousands of different stocks from more than 60 countries.

Money Design aims to transform the present asset management landscape with the use of technology and create new relationships between people and money more easily.


Paidy is one of Japan’s leading BNPL service providers. Paidy offers instant, monthly-consolidated credit to consumers by removing hassles from payment and purchase experiences. Paidy uses proprietary models and machine learning to underwrite transactions in seconds and guarantee payments to merchants.

Paidy increases revenue for merchants by reducing the number of incomplete transactions, increasing conversion rates, boosting average order values, and facilitating repeat purchases from consumers. Paidy continues to innovate to make shopping easier and more fun both online and offline.

PayPay Corporation

PayPay, a FinTech company, that achieved more than 47 million users within around 3 years since its launch in 2018 has hugely diversified employees who are from 40 different countries.

The financial services, included banking, securities, loans, investments, and insurance, to services available across various scenes, such as tax & bill payments, online shopping, restaurants, hotels, and more.

To build “PayPay”, the company allied with Paytm, the biggest payment service company in India. Based on their customer-first technologies, it created and expanded the smartphone payment service in Japan.

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