2019 has been a popular year for Venture-backed tech IPOs, with many much-awaited "unicorns" going public, but this hasn't been the case for FinTechs. The top 10 most valuable FinTech companies worldwide, each with multi-billion dollar valuations, yet none seem particularly close to going public. The highly-regulated environment has meant slower growth for many companies, and the most successful FinTechs are focused on growth to challenge incumbents.