金融科技开放4.0（英）

Fintech unwrapped 4.0The tools taking on the downturnSponsored byFor over a decade, fintech went up like a rocket. But after an extended run of outsized growth fueled by a booming economy and low interest rates, money into the industry slowed to a trickle in 2022. Falling investment numbers and a massive drop in tech valuations has everyone doing some soul searching. In Fintech unwrapped 4.0, we look for the bright spots in the slowdown, and discover innovators putting renewed focus on tech to transform the stickiest business challenges, from moving money between companies or across borders, to making elegant, user-friendly software for finance and operations teams. We see more fintechs than ever vying to kill mundane company tasks; create alternatives to creaky back office systems; and put more power into the hands of the chief financial officer. And amid the obstacles for founders coming up in the downturn, we detect plenty of excitement too, and a sense of momentum building for European companies hoping to take on the world.Fintech unwrapped 4.0The tools taking on the downturnAugust 2023Get in touchWould you like to partner with Sifted on the next report on your sector? Contact us via reports@sifted.eu.Looking for vital market intelligence? Visit info.sifted.eu/subscribe-pro to learn how Sifted Pro can help. Foreword 3 Fintech is meeting the moment Introduction 4 Reality bites Chapter I 6 Has the fintech bubble popped? With big plays like crypto (mostly) back on the shelf, investors turn their eyes to more down-to-earth pitches Chapter II 10 The bright spot: fintechs helping CFOs navigate the downturn Meet the startups helping to modernise the creaky back office Chapter III 15 Fintech’s next task: get customers and regulators on side Growing complaints and circling regulators puts new focus on compliance and customer service Conclusion 19 Sunnier times ahead?20 Predictions What trends are fintech’s brightest founders and investors keeping a close eye on?2ContentsB2b SaaS was a bright spell in a difficult fintech year. What are the reasons for this demand? Beyond the generational shift in finance/ops teams, these days, far more companies have the potential to go global, which means they need to. Any global company that aims to grow must manage scaling together with minimising costs and operational burdens. And they must do so while navigating local rules and regulations to be fully compliant.The challenge of sourcing, managing and paying a global, disbursed and hybrid workforce is more prevalent than ever and only becoming more common by the minute.That’s where technology becomes a game changer. Building and maintaining an innovative fintech stack is no longer a privilege of the early adopters but a necessity for every aspiring business.Fintechs are under increasing scrutiny around the world from consumers and regulators. How should fintechs meet the moment?The fintech industry is addressing a growing number of business-critical situatio