Sageview Capital’s Post

The Future of Fintech is B2B; 5 Principles for Success - Finextra: During the era of low interest rates, many fintech businesses received substantial capital to compete directly with established financial institutions ...

Time to share some takeaways from the Money20/20 conference in Amsterdam: partners Albion Murati and Reinhard Höll report back after what they describe as an uplifting experience of seeing a renewed focus on accelerating and scaling B2B-focused fintech business models. Read: “At Money 20/20, the fintech ecosystem explores ways to scale B2B business models.” @ https://lnkd.in/euwG4-Sw #mckinsey #bankingandsecuritiesmatters #technology #fintech

Reinhard Höll and I wanted to share our reflections from Money20/20: it was an uplifting experience to see a renewed focus on accelerating and scaling B2B-focused fintech business models! Read: “At Money 20/20, the fintech ecosystem explores ways to scale B2B business models.” #mckinsey #bankingandsecuritiesmatters #technology #fintech

Navigate the B2B fintech revolution with actionable insights and explore strategies for reshaping modern businesses in our latest article: https://lnkd.in/dx6MqRjm.     Which fintech trends are you looking at these days? Let's discuss this in the comments below.   #FintechRevolution #BusinessInnovation #FintechStrategies Chiradeep BasuMallick

At BankTech Ventures, we're keeping a keen eye on the latest evolution in the fintech sector: the strategic pivot towards B2B models. This significant shift underscores a growing trend that has the potential to reshape the landscape of financial technology. We believe this pivot will act as a major catalyst for growth, particularly for the community banking sector, providing new avenues for innovation and collaboration. As a leader in supporting and investing in the future of banking technology, we at BankTech Ventures are excited about the possibilities this trend brings. It's not just about adapting to market changes; it's about proactively setting a course for sustainable, long-term growth in a rapidly evolving digital financial world. For community banks, this could mean enhanced technological capabilities, greater competitive edge, and new, fruitful partnerships. We're committed to exploring these opportunities and guiding our partners and stakeholders through this dynamic shift. Read more about this trend in this article I recently published: https://lnkd.in/enXEFZsm #FintechEvolution #B2BStrategy #CommunityBankingInnovation cc: Carey Ransom Brandon Oliver Katie Quilligan Pam Kaur Kaitlyn Shevlin Sarah Hovde Samantha Malloy

We’re excited to be included in CB Insights' #Fintech100 list for 2023! 🎉 🚀 There is so much innovation happening in the way people access, store, and spend money and many of the companies on this list are at the forefront of this innovation 👏 We’re proud of the growth we’ve seen in 2023 but still eager to continue to build, scale, and help even more innovative companies launch embedded banking and fintech products. Want to check out CB Insights’ full list of the most promising fintechs in 2023? Check it out using the link below 🔗 https://lnkd.in/eW3aMKYs

The emergence of FinTech marketplaces has shown an impact on traditional financial services and their role in driving sector growth. There is a transformative force behind these platforms, fostering innovation, promoting financial inclusion, and setting the stage for a customer-centric future Curious to explore how a FinTech marketplace can benefit your business? 💡 https://zurl.co/fSRY #FinTech #Innovation #Growth

Great report by Team8 on fintech trends. I really appreciate the points made about the customer experience and B2B fintech: 💡 Frictionless experiences - Customers will always gravitate towards the most frictionless experiences, lenders that can deliver superior convenience will have a built-in advantage over slower-moving incumbents. Permissioned data removes friction from lending and is now table stakes in lending and banking. 💡 Fintech-quality experiences - Lenders will aggressively adopt technology that seamlessly embeds into existing customer-facing channels. Again, permissioned data is a perfect fit here. The challenge is understanding what data matters, accessing that data, transforming it to meet the specific lender's needs, and leveraging AI on top of this data to maximize its use -- without introducing new risk. 💡 B2B fintechs rise - B2B fintech is poised for a breakout in 2024 as startups tackle pain points around speed, certainty, cost and other areas. Agreed! See Conductiv! #finance #fintech #lending

In a fintech landscape being reshaped by major themes, BCG see five calls to action for stakeholders in the fintech ecosystem: Prudence: Risk and Compliance as Competitive Advantage. The current regulatory environment, along with the growing opportunity for strong bank-fintech partnerships, is increasing the critical importance of risk and compliance readiness. For fintechs, this demands an end-to-end view of compliance—preemptively assessing applicable regulations and proactively implementing industry-grade guidelines and controls. For banks, the call to action is to reinforce their existing compliance strengths and oversight of their fintech partners. Profits: A Call for Fintechs to Improve EBITDA by More Than 25 Percentage Points. Only 33 of the 70 largest public fintechs were profitable in 2023, and top-quartile players in terms of EBITDA outpaced bottom-quartile firms by roughly 25 percentage points in 2023 in all cost categories. These figures speak to a significant opportunity for tangible cost savings industry-wide. To improve EBITDA by more than 25 percentage points, fintechs must build a scalable cost structure that will deliver compounding returns as the organizations continue to grow. Growth: Journey to IPO (or Strategic Sale) and Beyond. As interest rates moderate, we expect IPOs—along with strategic sales and other M&A activity—to take off. But many fintechs have made the IPO leap only to see their stock prices drop by as much as 40% to 80% from initial listing. As they prepare for IPO, fintechs must tell a comprehensive equity story about how they will attract users at sustainable costs, grow profitably, and meet increasing regulatory requirements. They also need to achieve enough scale, operational stability, and predictability to justify the costs and scrutiny that come with going public. Growth: Retail Banks As Digital Engagement Platforms. To provide a counterweight to fintechs that embed financial services into nonbanking journeys, banks can continue to develop their own commerce sites, where they can leverage their vast data on customer needs and behavior. Notably, many connected commerce platforms will succeed or fail on the quality of partnerships between banks, fintechs, and merchants. Growth: Government Support for Comprehensive and Integrated Digital Public Infrastructure. Governments, especially in emerging markets, that implement a three-part DPI ecosystem—composed of digital ID, payments, and data exchange layers—have broadened access to financial services, spurring innovation and ultimately benefiting the public. #Ai #fintech #profitabiilitiy

As the fintech industry matures, more companies are looking towards B2B models for growth. Learn why this trend is taking hold and what it means for the future of fintech. https://lnkd.in/eR7erb3E #Fintech #B2B #FinancialServices #BusinessGrowth #Innovation #Technology