LendingCrowd Recognised Among Scotland's Fastest Growing Businesses

LendingCrowd has added another major accolade to its growing list of achievements after being named in the inaugural Sunday Times Scotland Fast 50, which celebrates the fastest growing businesses in Scotland.

The Edinburgh-based financial technology (fintech) lender earned its place alongside some of the country's most innovative companies after demonstrating exceptional growth over the past two years. To qualify for the list, businesses were required to achieve average annual revenue growth of at least 20%, before a judging panel selected the final 50 companies.

The recognition follows another milestone for LendingCrowd, which was recently named Scotland's fastest growing technology company in The Sunday Times 100 Tech 2026. Together, the awards underline the company's continued expansion as it strengthens its position in the UK's SME lending market.

Founder and Chief Executive Stuart Lunn welcomed the latest recognition, telling That's Buisiness: "This is a fantastic result for LendingCrowd as we continue on our mission to be the trusted source of affordable finance for SMEs across Britain."

LendingCrowd has built its reputation by providing straightforward, affordable finance to established small and medium-sized enterprises that can often struggle to secure funding through traditional high street banks. By combining modern financial technology with experienced credit decision-making, the company aims to make business borrowing faster, simpler and more accessible.

Since its launch in 2014, the lender has expanded significantly. Originally established as a peer-to-peer lending platform, LendingCrowd completed its transition to institutional funding in 2022. The move enabled the business to increase its lending capacity and support a greater number of growing companies across Britain.

Today, LendingCrowd offers business loans ranging from £75,000 to £500,000, with repayment terms of up to five years. Fixed interest rates and the flexibility to make early repayments or overpayments without penalties are designed to provide businesses with a more predictable and affordable alternative to short-term borrowing.

The company has now delivered more than £600 million in loans to British SMEs, highlighting both the scale of its operations and its long-term commitment to supporting business growth.

Recognition in the Sunday Times Scotland Fast 50 also builds on LendingCrowd's impressive track record in other industry rankings. 

The company has appeared several times in the annual Deloitte UK Technology Fast 50, most recently in 2025 when it was named Scotland's fastest growing technology business. 

It also secured 28th place in Deloitte's EMEA Technology Fast 500, ranking it among the fastest growing technology companies across Europe, the Middle East and Africa.

For Britain's SMEs, the continued success of companies such as LendingCrowd demonstrates how fintech innovation is helping to broaden access to business finance while supporting economic growth across the UK.

https://www.lendingcrowd.com

KYND Named Among World’s Top AI FinTech Companies for Second Year Running

Cyber risk analytics provider KYND has been named in the AIFinTech100 2026 list, highlighting the growing importance of AI-powered cyber intelligence in insurance.

Artificial intelligence continues to reshape the financial services sector, but industry experts increasingly agree that success depends not just on powerful AI tools, but on the quality of the data that powers them.

That principle has helped cyber risk analytics specialist KYND secure a place in the prestigious AIFinTech100 list for the second consecutive year, reinforcing its growing reputation within the insurance sector.

Published annually by FinTech Global, the AIFinTech100 recognises the world's most innovative companies applying artificial intelligence across financial services. The 2026 edition was the most competitive yet, with more than 2,000 companies assessed by industry experts and analysts before the final 100 were selected.

For insurers, brokers and reinsurers, the recognition highlights the increasing importance of reliable cyber risk intelligence in an era where AI is transforming underwriting, portfolio management and risk assessment.

KYND provides insurers with a continuously updated view of an organisation's cyber risk exposure, helping decision-makers move beyond traditional point-in-time assessments and static risk scores. Its platform combines proprietary technology, cyber security expertise and ongoing exposure monitoring to provide insights into organisations ranging from global enterprises to small and medium-sized businesses.

According to KYND Co-founder Melanie Hayes, the award reflects the growing role of cyber intelligence within modern insurance operations.

She noted that while AI is helping insurers analyse risks more quickly and efficiently, the effectiveness of those systems ultimately depends on the quality and accuracy of the intelligence underpinning them. By delivering a real-world view of cyber exposure, KYND enables insurance professionals to make more informed decisions at both individual risk and portfolio levels.

The wider financial services industry is also evolving rapidly. Richard Sachar, CEO of FinTech Global, said the focus of AI adoption has shifted from experimentation to practical implementation. Financial institutions are increasingly looking for solutions that deliver measurable value across areas such as fraud prevention, customer experience, risk management, automation and insurance operations.

The recognition also comes at a time when AI itself is creating new challenges for insurers. From AI-assisted cyber attacks and faster vulnerability exploitation to emerging questions around AI liability, the risk landscape is becoming increasingly complex.

As insurers look to develop the next generation of cyber insurance products, companies such as KYND are helping the market gain greater visibility into emerging threats and opportunities. That intelligence could prove vital in supporting profitable and sustainable growth in the years ahead.

https://www.kynd.io/uk

Hidden AI agents could become the new gatekeepers of commerce, warns new Fintech 2040 paper

A new Fintech 2040 paper from Professor Roland Frank explores how AI agents are moving from passive assistants to autonomous actors capable of searching, selecting and purchasing products on behalf of consumers, fundamentally reshaping the future of ecommerce and payments.

The paper, Agentic Commerce: China’s Lead, Europe’s Choice, argues that the next battleground in digital commerce will no longer be consumer attention alone, but the hidden "trust and protocol layer" behind AI-driven transactions.

While companies once competed for clicks, rankings and conversions, the rise of agentic commerce shifts competitive advantage toward machine-readability, payment authority, trusted execution and interoperability between AI systems.

China already offers an early glimpse of this future. Ecosystems such as Alibaba's Qwen and ByteDance's Douyin show how AI agents can seamlessly combine commerce, payments, recommendation systems and digital services into highly integrated consumer environments.

Yet consumers are not ready to hand over the keys completely. A recent representative consumer survey conducted by Riverty and Adyen found that while many consumers are open to AI-assisted shopping, 93% want the ability to review or stop AI purchasing decisions at any time. 

Most respondents would only allow AI agents limited spending authority and expect full transparency around how decisions are made.

These findings reinforce one of the paper's central conclusions: the future of agentic commerce will be determined as much by trust as by technology.

For Europe, this creates a strategic choice. Rather than copying highly integrated platform models from China or the US, the paper argues that Europe could build a different model of agentic commerce, one based on interoperability, transparent permissions, trusted payments and consumer accountability.

The paper is part of Riverty's Fintech 2040 series exploring the long-term transformation of financial services, digital commerce and consumer behaviour.

Download the full paper here: https://www.riverty.com/en/business/company/fintech-2040/