Wani sabon Rahoton daga ƙungiyar magini da kamfani na tushen Isra'ila Team8 yana nuna lokaci ne mai kyau don zama farkon fintech, muddin kun yi aikin ƙasa. Rahoton ya yi nazarin 270 fintech unicorns daga kasashe 40. Ya samo mafi mashahuri a tsaye don samar da fintech unicorns sune biyan kuɗi, banki da lamuni, crypto da blockchain, da inshora.

A cewar CB Insights, 20% na unicorns sune fintechs, kawai bayan 30% waɗanda ke fasahar kasuwanci ne. Samar da fintech unicorn, a matsakaita, yana ɗaukar shekaru 5.9. Kashi 31% na fintechs na Amurka waɗanda suka haɓaka zagayen zuriyarsu tsakanin 2016 da 2021 daga baya sun sami tsarin A.

Lokacin Unicorn ya bambanta ta bangaren fintech

Inshorar fintechs sun ga mafi guntu hanyar zuwa matsayin unicorn a shekaru 4.6, duk da haka kawai 9.7% na unicorns sun mamaye wannan sarari. Biyu daga cikin mafi sauri sune Lemonade a shekaru biyu kuma na gaba a uku. Ba kamar biyan kuɗi ba, inshora yana mai da hankali sosai kan B2C; kamfanoninsa suna buƙatar zurfin fahimtar ilimin halin mabukaci.

Matsakaicin fintech na banki da lamuni ya ɗauki shekaru shida don zama unicorns. Ga kowane SoFi, wanda ya ɗauki kusan shekaru huɗu, akwai Mambu wanda ya ɗauki tsayi.

Kasuwannin jari-hujja da fintechs sarrafa dukiya sun fuskanci doguwar titin unicorn - shekaru 7.6. Hakanan, akwai kewayon, tare da Robinhood da Revolut suna ɗaukar shekaru uku da huɗu, bi da bi, yayin da eToro ya ɗauki shekaru goma.

Ba abin mamaki ba, crypto da blockchain unicorns kawai sun ɗauki matsakaicin shekaru 5.2, wanda ke cike da haɓaka da yawa. Ripple ya kai hari a cikin shekaru biyu, kuma Fireblock uku.

Biyan kuɗi sun shahara, suna jawo 27.1% na unicorns. Wannan shine albishir. Mafi ƙarancin labari mai daɗi shine hanyar unicorn ya fi tsayi a shekaru 6.7. Stripe ya ɗauki hudu kuma Wise kusan tara.

"Samun matsayin unicorn a cikin masana'antar biyan kuɗi ba mai sauƙi ba ne," in ji rahoton. "Yana buƙatar manyan hanyoyin samun kudaden shiga daga manyan kuɗaɗen ciniki, waɗanda ke ɗaukar lokaci don isa. Bugu da ƙari, gasa mai tsanani da raguwar ribar riba na ƙara haɗa wannan ƙalubale. Kamfanoni da yawa a cikin masana'antar biyan kuɗi sun fuskanci matsaloli saboda waɗannan cikas, amma waɗanda suka yi nasara, suna bunƙasa. 

Babban misali shi ne Checkout.com, wani kamfani na fintech unicorn na Burtaniya, wanda ya dauki shekaru 13 ya lashe taken unicorn kuma yanzu an kimanta shi akan $11b. Duk da gasa da ƙalubalen da suke fuskanta, sabbin masu farawa suna fama da matsanancin yanayin biyan kuɗi yayin da suke ganin rata a kasuwa don canza masana'antar ta dijital. Kuma bayanan sun goyi bayan wannan. "

B2B sanannen yanki ne na mayar da hankali

Idan burin ku shine gina unicorn na biyan kuɗi, ƙara ƙimar ku ta hanyar mai da hankali kan B2B, wanda shine fifikon kashi 71% na biyan kuɗi unicorns. Akwai ɗimbin samfura da matakai da yawa don tarwatsawa, saboda da yawa har yanzu suna kan bincike.

Galia Beer-Gabel, abokin tarayya na Team2, ya ce "Muna ganin a lokutan rashin kwanciyar hankali da kuma yanayin tattalin arziki mai cike da damuwa da masu zuba jari ke son mayar da hankali kan B8B, kuma akwai kyawawan dalilai na hakan." "Idan ka kalli masana'antar hada-hadar kudi a yau, yayin da yawancin fintechs, manyan fintechs, suna can kuma mafi tabbas tabbas, yawancin abokan cinikin (har yanzu) suna tare da masu aiki."

Beer-Gabel ya ce kadarorin manyan bankunan da ke karkashin kulawa sun karu cikin ’yan shekarun da suka gabata. Wannan alama ce bayyananne na dakin rushewa.

"Ina tsammanin akwai babbar dama ga fintechs a yau… a tallafawa masu ci gaba a cikin tafiyarsu don yin amfani da manyan kadarorinsu da kuma haifar da ingantacciyar ƙwarewar mai amfani ga abokan cinikin Amurka."

Gabaɗaya, Pitchbook ya gano cewa 70.1% na babban kamfani na fintech ya tafi B2B fintechs, sama da 40.1% a cikin 2019.

Sakamakon hada-hadar kudi da bude banki

Haɗin kuɗi, buɗe banki da kuɗi, da tattalin arzikin bayanai sun rage shingen shiga. Haɗin kuɗin da aka haɗa yana ba wa kamfanoni masu zaman kansu damar haɗa samfuran kuɗi cikin sauƙi da faɗaɗa hadayun samfuran su yayin da suke neman sabbin hanyoyin samun kudaden shiga. Bude banki, kuɗi, da bayanai suna haɓaka keɓancewa kuma baiwa kamfanoni damar fahimtar masu amfani da kyau.

Rahoton ya ce "Wadannan yanayi biyu na karshe na hada-hadar kudi da bude banki suna ba da gudummawa sosai ga dimokuradiyyar ayyukan hada-hadar kudi, yana mai da sauki ga kamfanoni su hada hanyoyin hada-hadar kudi - ba tare da gina su daga tushe ba - da kyale masu rike da mukamai su fadada abubuwan da suke bayarwa," in ji rahoton. "Yanzu ya fi sauri, mai rahusa, kuma mafi sauƙi don gina samfuran fintech, kuma wannan wani abu ne da 'yan kasuwa ke buƙatar yin la'akari da su yayin da suke tunani game da kasuwancin su na gaba da ci gaba da haɓaka yanayin gasa."

Yadda kamfanoni masu wayo ke daidaitawa da tsauraran lokutan kudade

Yawancin bayanan da ke cikin rahoton sun fito ne daga kwanakin salati na fintech, inda kudade ya kasance mai sauƙin jawo hankali. Ba haka ba ne kuma, tare da yanke hannun jari na fintech a cikin rabin daga 2021 zuwa 2022 kuma daga 2022 zuwa 2023.

Duk da haka, ana ci gaba da gina kamfanoni, wanda ya bar Beer Gabel kyakkyawan fata. Yawancin "maziyarta", duka 'yan kasuwa da masu zuba jari, sun tafi, suna barin ribobi don gina mafi kyawun fare. Yayin da hayaniyar ta lafa, yana tunatar da ita game da lokacin 2008 nan da nan wanda ya haifar da wasu manyan kamfanoni.

Beer-Gabel ya ce "Muna ganin wadanda suka kafa su da kyau wadanda ke neman matsalolin da suka dace kuma sun fi dacewa da hakan," in ji Beer-Gabel. “Suna neman ba kawai manyan matsalolin da za su magance ba amma har da hanyoyin gina kasuwanci mai dorewa.

“Mun dawo kan al’amuran yau da kullun. Tabbatar da manufar, nuna cewa akwai kasuwa ga abin da kuke tasowa da kuma nuna sha'awar abokan ciniki don biya. Ba zan iya jaddada isasshiyar mahimmancin tabbatarwa a farkon kwanakin ba. Ku ciyar lokaci a matsayin wanda ya kafa yana magana da abokan ciniki masu yiwuwa, da gaske ku tabbatar kun fahimci abubuwan zafi. "

Generative AI yana kawo abubuwa masu kyau, marasa kyau da kalubale

Gudanar da kuɗi na sirri yana ganin sake dawowa cikin sha'awa. Beer-Gabel ya ce kamfanoni masu kyau da yawa sun yi ƙoƙarin inganta lafiyar kuɗi, amma kaɗan ne suka yi nasara. Ingantattun damar samun bayanai, gami da ta hanyar buɗe banki da Generative AI, yana kawo ƙarin keɓancewa da damar tattaunawa. Ta hango lokacin da masu amfani ke samun Alexa don taimakawa tare da manyan sayayya da shirin ritaya.

Koyaya, Gen AI kuma yana sauƙaƙa yin zamba, tare da masu zamba da yawa suna mai da hankali kan hanyar da ta fi rauni - daidaikun mutane. Kare mutane da kasuwanci ya zama kalubale. Beer-Gabel yana ganin dama ga fintechs don taimakawa cibiyoyin kuɗi don kare kansu, ko saboda ƙa'ida ta gaba ko a matsayin kariya ta mutunci.

Gen AI yana da VCs kamar Beer-Gabel yana canza yadda suke kallon farawa. VCs sau da yawa suna la'akari da keɓaɓɓen kayan fasaha na kamfani. Tare da sababbin abubuwa suna canzawa cikin sauri, a wani ɓangare na godiya ga Gen AI, masu kafa dole ne su bayyana tsare-tsaren su don kare sirrin miya.

Fintech yana zuwa gabaɗaya

Beer-Gabel yana ganin masana'antar fintech tana zuwa da'ira. Da farko, nasara ta zo ne daga rashin tattara ayyukan kuɗi da haɓaka ƙwarewa a cikin sliver. Wadanda suka yi nasara yanzu suna neman ƙara ayyuka don riƙe abokan ciniki. Wannan tsarin samar da kayayyaki da yawa yana haɗa software da sarrafa kansa ta hanyar aiki tare da BNPL, biyan kuɗi da FX don ƙirƙirar ƙayyadaddun tsari da tursasawa.

"Idan ka dubi nan gaba, ina tsammanin abin da za mu gani a hankali shi ne iyakoki tsakanin tsarin kasuwanci da na tsaye, a hankali narke," in ji Beer-Gabel. "Idan kun riga kuna da abokin ciniki, ta yaya za ku fi dacewa ku yi musu hidima?"

Beer-Gabel kuma yana ganin 'yan wasa suna taka rawa daban-daban a masana'antar. Ta gan shi a cikin Banking-as-a-Service, wanda, yayin da ake bincike, yana da tsarin kasuwanci mai dorewa.

"Idan ka tambaye ni ko BaaS kasuwanci ne mai dorewa wanda zai dawwama, amsar, a ra'ayina, tabbas eh. Zai canza. Zai inganta. 

"Akwai matsaloli da yawa a yanzu, amma buƙatar matsakaita da 'yan wasan da za su iya daidaitawa, sauran 'yan wasan da ke ba da sabis na kuɗi sun kasance masu dacewa sosai."

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• Source: https://www.fintechnexus.com/unicorn-map/