金融科技状况2023年第三季度报告（英）

State of FintechGlobal | Q3 2023Global data and analysis on dealmaking, funding, and exits by private market fintech companiesGuess Less. Win More.CB Insights helps the world’s leading companies make smarter technology decisions with data, not opinion. Our Technology Insights Platform provides companies with comprehensive data, expert insights, and work management tools that enable them to discover, understand, and make technology decisions.▮▮▮▮IIISign up for a free trial2State of FintechConnectPlatformGet introductions to the right technology products, services, and partners with one click. No research. No hassle.Request a demoBusiness Intelligence & AnalyticsMake your brand more searchable. Findable. Buyable. Partnerable. Investable.Complete a free Analyst Briefing Survey*and get in front of enterprise tech buyers, M&A teams, and investors.*Survey takers have increased their lead generation 3x on average.▮▮▮▮▮IIIApply here4State of FintechWith CB Insights, you find the right information in a matter of seconds. Analysts will also send further detailed portfolios, which is really valuable information.Selim YukselVP of Innovation, Akbank LABView success story → Dig Deeper.CB Insights clients can find and track companies using our analyst-curated Expert Collections.6PaymentsBankingDigital LendingWealth TechInsurtechCapital Markets TechState of FintechOur Most Popular Research onFintech73 applications of generative AI in financial servicesESG Market Map: 115 companies powering ESG-focused investing and bankingRetail Bank AI Readiness Index: Who’s best-positioned for the AI boom?Analyzing Visa’s growth strategyThe AI in wealth management market mapFintech 100: The most promising fintech startups of 2023Why these payments companies have top customer satisfaction scoresThe State of Tech M&A: Global Activity & Emerging TrendsBanking-as-a-service (BaaS) is seeing a burst of M&A and venture activity. How do these embedded fintech providers stack up?200 companies automating regulatory and compliance efforts for financial institutionsState of FintechTLDR$7.4BQ3’23 fintech funding. Down 3% QoQ.Fintech funding fell 3% QoQ to hit $7.4B in Q3’23, leveling off after seeing sharp declines in most quarters since the end of 2021. Meanwhile, deal count fell by 18% QoQ.The fintech funding stabilization was supported by $100M+ mega-rounds, which accounted for 33% of funding ($2.4B) in Q3’23.See the data →83New unicorns in Q3'23. Flat QoQ.Like the previous quarter, Q3'23 saw 3 fintech unicorn births. This brought the total fintech unicorn count to 312.New entrants to the fintech unicorn club include US-based crypto custody platform BitGo ($1.8B valuation), Asia-based microfinance platform Micro Connect ($1.7B), and US-based insurtech Kin ($1B).See the data →$3.5BUS fintech funding in Q3'23. Down 5% QoQ.US fintechs drove almost half (47%) of all quarterly fintech funding in Q3’23. Asia followed with 27% of the quarterly total.While US fintech funding dropped by 5% Qo