A titun Iroyin lati ile-iṣẹ ti o da lori Israeli ati ẹgbẹ iṣowo Team8 fihan pe o jẹ akoko ti o dara lati jẹ ibẹrẹ fintech, ti o ba ṣe iṣẹ ipilẹ. Ijabọ naa ṣe itupalẹ awọn unicorn fintech 270 lati awọn orilẹ-ede 40. O rii awọn inaro olokiki julọ lati gbejade awọn unicorns fintech jẹ awọn sisanwo, ile-ifowopamọ ati yiya, crypto ati blockchain, ati iṣeduro.

Gẹgẹbi Awọn oye CB, 20% ti unicorns jẹ fintechs, o kan lẹhin 30% ti o jẹ awọn imọ-ẹrọ ile-iṣẹ. Ṣiṣejade unicorn fintech kan, ni apapọ, gba ọdun 5.9. Nikan 31% ti fintechs Amẹrika ti o gbe awọn iyipo irugbin wọn soke laarin ọdun 2016 ati 2021 nigbamii ni aabo Series A.

Awọn akoko Unicorn yatọ nipasẹ eka fintech

Awọn fintechs iṣeduro rii ọna ti o kuru ju si ipo unicorn ni awọn ọdun 4.6, sibẹsibẹ nikan 9.7% ti unicorns gba aaye yii. Meji ninu iyara julọ ni Lemonade ni ọdun meji ati Next ni mẹta. Ko awọn sisanwo, iṣeduro ti wa ni darale B2C-lojutu; awọn ile-iṣẹ rẹ nilo oye ti o jinlẹ ti imọ-jinlẹ olumulo.

Apapọ ile-ifowopamọ ati yiya fintech gba ọdun mẹfa lati di unicorns. Fun gbogbo SoFi, eyiti o gba aijọju ọdun mẹrin, Mambu wa ti o gba to gun.

Awọn ọja olu ati awọn fintechs iṣakoso ọrọ dojuko opopona unicorn gigun kan - ọdun 7.6. Lẹẹkansi, ibiti o wa, pẹlu Robinhood ati Revolut gba ọdun mẹta ati mẹrin, ni atele, lakoko ti eToro gba ọdun mẹwa.

Laisi iyanilẹnu, crypto ati blockchain unicorns nikan gba aropin 5.2 ọdun, buoed nipasẹ ọpọlọpọ aruwo. Ripple lu ibi-afẹde ni ọdun meji, ati Fireblocks mẹta.

Awọn sisanwo jẹ olokiki, fifamọra 27.1% ti unicorns. Iyẹn ni iroyin ti o dara. Irohin ti o kere ju ni ọna unicorn gun ni ọdun 6.7. Stripe mu mẹrin ati Wise to mẹsan.

“Iyọrisi ipo unicorn ni ile-iṣẹ isanwo kii ṣe taara,” ijabọ naa sọ. “O nilo awọn ṣiṣan owo-wiwọle pataki lati awọn iwọn idunadura giga, eyiti o gba akoko lati de ọdọ. Ni afikun, idije gbigbona ati awọn ala èrè idinku siwaju si idija yii. Awọn ile-iṣẹ pupọ ni ile-iṣẹ isanwo ti dojuko awọn iṣoro nitori awọn idiwọ wọnyi, ṣugbọn awọn ti o ṣaṣeyọri, ṣe rere. 

“Apẹẹrẹ akiyesi kan ni Checkout.com, unicorn fintech ti o da lori UK, eyiti o gba ọdun 13 lati ṣẹgun akọle unicorn rẹ ati pe o ni idiyele ni diẹ sii ju $11b. Laibikita idije ati awọn italaya ti wọn koju, awọn ibẹrẹ tuntun n koju awọn aaye isanwo ni ibinu bi wọn ti rii aafo aye ni ọja lati yi ile-iṣẹ naa pada ni oni-nọmba. Ati pe data ṣe atilẹyin eyi. ”

B2B jẹ agbegbe idojukọ olokiki

Ti ibi-afẹde rẹ ba ni lati kọ unicorn isanwo kan, mu awọn aidọgba rẹ pọ si nipa idojukọ B2B, eyiti o jẹ idojukọ ti 71% ti awọn unicorns isanwo. Ọpọlọpọ awọn awoṣe ati awọn ilana ti igba atijọ wa lati ṣe idalọwọduro, nitori ọpọlọpọ tun jẹ orisun-ṣayẹwo.

"A n rii ni awọn akoko ti o kere si iduroṣinṣin ati diẹ sii awọn iṣoro macroeconomics ti awọn oludokoowo fẹ si idojukọ lori B2B, ati pe awọn idi ti o dara fun eyi," alabaṣepọ Team8 Galia Beer-Gabel sọ. “Ti o ba wo ile-iṣẹ inawo loni, lakoko ti ọpọlọpọ awọn fintechs, fintechs nla, wa nibẹ ati diẹ sii lati wa ni idaniloju, ọpọlọpọ awọn alabara wa (ṣi) pẹlu awọn alaṣẹ.”

Beer-Gabel sọ pe awọn ohun-ini awọn banki nla labẹ iṣakoso ti dagba ni awọn ọdun diẹ sẹhin. Iyẹn jẹ ami mimọ ti yara fun idalọwọduro.

“Mo ro pe aye nla wa fun fintechs loni… ni atilẹyin awọn alaṣẹ ni irin-ajo wọn lati lo awọn ohun-ini nla wọn ati ja si ni iriri olumulo to dara julọ fun awọn alabara AMẸRIKA.”

Lapapọ, Pitchbook rii pe 70.1% ti olu iṣowo fintech lọ si B2B fintechs, lati 40.1% ni ọdun 2019.

Awọn ipa ti owo ifibọ ati ṣiṣi ile-ifowopamọ

Isuna ifisinu, ṣiṣi ile-ifowopamọ ati inawo, ati eto-ọrọ aje data kekere awọn idena si titẹsi. Isuna ifisinu gba awọn ile-iṣẹ ti kii ṣe inawo lọwọ lati ni irọrun ṣepọ awọn ọja inawo ati gbooro awọn ọrẹ ọja wọn bi wọn ṣe n wa awọn ṣiṣan owo-wiwọle tuntun. Ṣii ile-ifowopamọ, iṣuna, ati data ṣe atilẹyin isọdi-ara ẹni ati mu ki awọn ile-iṣẹ ṣiṣẹ lati loye awọn alabara dara julọ.

"Awọn aṣa meji ti o kẹhin wọnyi ni ayika iṣuna ti ifibọ ati ile-ifowopamọ ṣiṣi ṣe alabapin si ijọba tiwantiwa ti awọn iṣẹ inawo, ti o jẹ ki o rọrun pupọ fun awọn ile-iṣẹ lati ṣepọ awọn solusan inawo - laisi kọ wọn lati ibere - ati gbigba awọn alaṣẹ lati faagun awọn ọrẹ wọn,” ijabọ naa sọ. "O ti yara ni bayi, din owo, ati rọrun lati kọ awọn ọja fintech, ati pe eyi jẹ nkan ti awọn alakoso iṣowo nilo lati ṣe ifọkansi sinu nigbati wọn ba n ronu nipa iṣowo wọn ti o tẹle ati idagbasoke awọn agbegbe ifigagbaga nigbagbogbo."

Bawo ni awọn ile-iṣẹ ọlọgbọn ṣe ni ibamu si awọn akoko igbeowo ti o nira

Pupọ ti data ninu ijabọ naa wa lati awọn ọjọ saladi ti fintech, nibiti igbeowosile ti rọrun ni afiwera lati fa. Ko dabi iyẹn mọ, pẹlu gige idoko-owo fintech ni idaji lati ọdun 2021 si 2022 ati lẹẹkansi lati 2022 si 2023.

Sibẹsibẹ, awọn ile-iṣẹ tun n kọ, nlọ Beer Gabel ni ireti. Ọpọlọpọ awọn "alejo", mejeeji awọn alakoso iṣowo ati awọn oludokoowo, ti lọ kuro, nlọ awọn anfani lati kọ awọn tẹtẹ to dara julọ. Bi ariwo ti n lọ silẹ, o leti rẹ ti akoko lẹsẹkẹsẹ lẹhin-2008 ti o fa diẹ ninu awọn ile-iṣẹ aami.

"A n rii awọn oludasilẹ ti o ni idari pupọ ti o n wa awọn iṣoro to tọ ati pe o jẹ otitọ diẹ sii nipa rẹ,” Beer-Gabel sọ. “Wọn n wa kii ṣe awọn iṣoro nla lati yanju ṣugbọn awọn ọna lati kọ iṣowo alagbero kan.

“A ti pada si awọn ipilẹ. Ṣe afihan ero naa, ṣafihan pe ọja wa fun ohun ti o dagbasoke ati ṣafihan ifẹ ti awọn alabara lati sanwo. Emi ko le tẹnumọ pataki ti afọwọsi ni awọn ọjọ ibẹrẹ. Lo akoko bi oludasile sọrọ si awọn alabara ti o ni agbara, rii daju pe o loye awọn aaye irora. ”

Generative AI mu awọn rere, odi ati awọn italaya

Isakoso owo ti ara ẹni n rii isọdọtun ni iwulo. Beer-Gabel sọ pe ọpọlọpọ awọn ile-iṣẹ ti o dara ti gbiyanju lati mu ilọsiwaju owo dara, ṣugbọn diẹ ti ṣaṣeyọri. Wiwọle data ti ilọsiwaju, pẹlu nipasẹ ile-ifowopamọ ṣiṣi ati Generative AI, mu isọdi-ara ẹni diẹ sii ati awọn aye ibaraẹnisọrọ. O ṣe akiyesi akoko kan nigbati awọn alabara gba Alexa lati ṣe iranlọwọ pẹlu awọn rira pataki ati igbero ifẹhinti.

Sibẹsibẹ, Gen AI tun jẹ ki o rọrun lati ṣe arekereke, pẹlu ọpọlọpọ awọn scammers fojusi lori ọna asopọ alailagbara - awọn ẹni-kọọkan. Idabobo awọn eniyan kọọkan ati awọn iṣowo di ipenija. Beer-Gabel n rii awọn aye fun awọn fintechs lati ṣe iranlọwọ fun awọn ile-iṣẹ inawo lati daabobo ara wọn daradara, boya nitori ilana ọjọ iwaju tabi bi aabo olokiki.

Gen AI ni awọn VC bii Beer-Gabel iyipada bi wọn ṣe n wo awọn ibẹrẹ. Awọn VC nigbagbogbo gbero ohun-ini imọ alailẹgbẹ ti ile-iṣẹ kan. Pẹlu isọdọtun ti n yipada ni iyara, ni apakan ọpẹ si Gen AI, awọn oludasilẹ gbọdọ tun ṣalaye awọn ero wọn fun aabo obe aṣiri wọn.

Fintech n bọ ni kikun Circle

Beer-Gabel rii ile-iṣẹ fintech ti n bọ ni kikun Circle. Ni ibẹrẹ, aṣeyọri wa lati awọn iṣẹ inawo ti kojọpọ ati idagbasoke pipe ni sliver kan. Awọn ti o ṣaṣeyọri n wa bayi lati ṣafikun awọn iṣẹ lati da awọn alabara duro. Ọna-ọja olona-ọja yẹn so sọfitiwia ati adaṣe adaṣe ṣiṣẹ pẹlu BNPL, awọn sisanwo ati FX lati ṣẹda igbero okeerẹ ati ọranyan.

"Ti o ba wo ọjọ iwaju, Mo ro pe ohun ti a yoo rii diẹ sii siwaju ati siwaju sii ni awọn aala laarin awọn awoṣe iṣowo ati awọn inaro, ni itusilẹ diẹdiẹ,” Beer-Gabel sọ. "Ti o ba ti ni alabara tẹlẹ, bawo ni o ṣe le ṣe iṣẹ fun wọn dara julọ?”

Beer-Gabel tun rii awọn oṣere ti o mu awọn ipa oriṣiriṣi ninu ile-iṣẹ naa. O rii ni Banking-as-a-Service, eyiti, lakoko ti o wa labẹ ayewo, ni awoṣe iṣowo alagbero.

"Ti o ba beere lọwọ mi boya BaaS jẹ iṣowo alagbero ti yoo duro ni ayika, idahun, ni ero mi, jẹ bẹẹni. Yoo yipada. Yoo dagbasoke. 

“Awọn iṣoro pupọ lo wa ni bayi, ṣugbọn iwulo fun awọn agbedemeji ati awọn oṣere ti o le ṣe isọdọtun, awọn oṣere miiran ti n funni ni awọn iṣẹ inawo jẹ iwulo pupọ.”

Tun ka:

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