金融科技开放4.0：应对低迷时期的工具

For over a decade, fintech went up like a rocket. But after an extended run ofoutsized growth fueled by a booming economy and low interest rates, moneyinto the industry slowed to a trickle in 2022. Falling investment numbers and amassive drop in tech valuations has everyone doing some soul searching.In Fintech unwrapped 4.0, we look for the bright spots in the slowdown, anddiscover innovators putting renewed focus on tech to transform the stickiestbusiness challenges, from moving money between companies or acrossborders, to making elegant, user-friendly software for finance and operationsteams. We see more fintechs than ever vying to kill mundane company tasks;create alternatives to creaky back office systems; and put more power intothe hands of the chief financial officer. And amid the obstacles for founderscoming up in the downturn, we detect plenty of excitement too, and a senseof momentum building for European companies hoping to take on the world.Fintechunwrapped 4.0The tools taking on the downturnGet in touchWould you like to partner with Sifted on the next report on your sector?Contact us viareports@sifted.eu.Looking for vital market intelligence? Visitinfo.sifted.eu/subscribe-protolearn how Sifted Pro can help. Foreword3Fintech is meeting the momentIntroduction4Reality bitesChapter I6Has the fintech bubble popped?With big plays like crypto (mostly) back on the shelf, investors turntheir eyes to more down-to-earth pitchesChapter II10The bright spot:fintechs helping CFOs navigate the downturnMeet the startups helping to modernise the creaky back officeChapter III15Fintech’s next task:get customers and regulators on sideGrowing complaints and circling regulators puts new focus oncompliance and customer serviceConclusion19Sunnier times ahead?20PredictionsWhat trends are fintech’s brightest founders and investors keeping aclose eye on?Contents B2b 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 goglobal, which means they need to.Any global company that aims to grow must managescaling together with minimising costs and operationalburdens. And they must do so while navigating localrules and regulations to be fully compliant.The challenge of sourcing, managing and payinga global, disbursed and hybrid workforce is moreprevalent than ever and only becoming more commonby the minute.That’s where technology becomes a game changer.Building and maintaining an innovative fintech stackis no longer a privilege of the early adopters but anecessity for every aspiring business.Fintechs are under increasing scrutiny around theworld from consumers and regulators. How shouldfintechs meet the moment?The fintech industry is addressing a growing number ofbusiness-critical situations, as both scale and stakes aregetting higher, and compliance becomes more crucial.To be considered by senior decision-makers in largercompanies the promise of technology together withadoption of compliance, liability and security will be theway to the heart of the finance functions.Embracing global compliance regulations, ISO and SOCand other certification, together with transparency, willhelp pave fintech’s road into the deepest core of trulyglobal enterprises.What are some of the big trends you see for yourfintech segment in the next five years?In the dynamic fintech landscape, the upcoming fiveyears promise nothing short of transformative shifts. Weenvision traditional banking transforming into seamlessdigital experiences, all powered by AI-driven insightstogether with consolidation of different market leaders.What's truly enchanting is the synergy that fintech canfoster with established institutions, birthing innovationand granting access to sustainable financial solutions.Fintech ismeeting the momentBy Benny Vazana, senior vice president offinance at Papaya GlobalThe future of payrollis fintech“By simplifying complex tax calculations andcompliance tasks, fintech tools enhanceaccuracy and minimise legal risks. Overall,fintech transforms payroll into a more efficient,accurate and compliant process, saving time andresources for companies.”Michal Regev, VP FP&A, Papaya Global It was a boom that seemed as if it would never end.The fintech industry — a near-revolution of newtech aimed at upending parts of the financial world,including payments, lending, investing, wealthmanagement and currency conversion — has long beena golden vertical for investors, taking home the biggestslice of VC funding every year in Europe.But in 2022, this exuberance was dealt a hefty dose ofreality. Big beasts like buy now, pay later (BNPL) pioneerKlarna and payments company Checkout.com sawtheir price tags drastically slashed, while the gallopof “soonicorns” graduating into unicorns — startupsvalued at $1bn+ — slowed considerably. Fintechs foundthemselves in a new, tougher market, fighting for thriftycustomers and wary investo