These five startups are leading the pack with enterprise software that digitizes financial services. : The prospect of a bear market may have retail investors frowning at their 401(k)s, but some of the firms powering Wall Street’s big banks and retail brokerage firms thrive when volatility and trading volumes climb. Five companies with a growing behind-the-scenes presence in finance and enterprise software are on this year’s Fintech 50 list, recognizing America’s most innovative and influential fintech startups. Digital broker-dealer DriveWealth and identity verification firm Persona are both making their debuts on the list.