Awọn oludari Fintech ni Latin America nireti olu idoko-owo lati lọpọlọpọ ni ọdun to nbọ, bi awọn oṣuwọn iwulo kariaye de aaye tipping kan ni ibẹrẹ ọdun 2024 ati pe agbegbe naa ni anfani lati awọn aṣa alailesin bii isunmọ ati eewu geopolitical kekere.

"2024 yẹ ki o jẹ ọdun ti o dara julọ fun awọn ile-iṣẹ ni Latin America," Andrew Seiz sọ, Ori ti Isuna ni ile-iṣẹ Unicorn fintech Kueski Mexico. Ile-iṣẹ BNPL n jiyan pe o ti wa “ifojusi oludokoowo tunse” lori awọn ọja ti n ṣafihan ni awọn oṣu to ṣẹṣẹ, ni atẹle awọn ilọsiwaju lori iwaju afikun ati ireti pe awọn banki aarin bii Federal Reserve le bẹrẹ irọrun laipẹ.

"Bi awọn oludokoowo ṣe ṣe akiyesi awọn ewu geopolitical ni Ila-oorun Yuroopu ati Aarin Ila-oorun ati awọn ifiyesi lori idagbasoke ni Ilu China, Latin America duro jade bi ọrun ailewu ibatan,” o sọ. Ẹkun naa, pẹlu Ilu Meksiko ni pataki, tun duro lati ni anfani lati awọn aṣa igba pipẹ bi awọn ile-iṣẹ AMẸRIKA ṣe tunṣe awọn ẹwọn ipese ni atẹle ajakaye-arun naa. Eyi ni a nireti lati tun ṣe atunṣe ipa Mexico bi iṣowo AMẸRIKA ati alabaṣepọ iṣelọpọ. Diẹ ninu awọn onimọ-ọrọ-ọrọ tọka si pe yoo ṣe awọn idoko-owo pataki lori ipade.

Ile ireti fun awọn idoko-owo fintech LatAm

Awọn oludari fintech Latin America ni iṣọra wo iwaju lẹhin 2023 kan ti o tẹriba ni awọn ofin ti awọn idoko-owo nla. Ilẹ-ilẹ agbegbe jẹri itankalẹ ti awọn iṣowo inifura iwọn kekere, lakoko ti o rii diẹ ninu awọn iṣowo pataki nipasẹ yiyan awọn ile-iṣẹ olu iṣowo.

Ile-iṣẹ naa dojukọ ipadasẹhin pataki lati ọdun 2022, jẹri idinku idaran ninu idoko-owo VC lati awọn ipele igbasilẹ ti a rii ni 2021. Botilẹjẹpe o ti wa kan idaduro Ni ọdun yii, awọn ipele igbeowosile wa ni pataki ti o ga ju awọn ti o kẹhin awọn ọdun 2010 nigbati olu-ilu ti o lopin wa fun awọn ile-iṣẹ imọ-ẹrọ agbegbe. Ni pataki, awọn ile-iṣẹ imọ-ẹrọ inawo ṣe akọọlẹ fun pupọ julọ ti igbeowosile yii.

Awọn data aipẹ fun 2023 fihan diẹ ninu awọn ami iwuri ti igbesi aye. Gẹgẹbi data lati Itau BBA ati Sling Hub, awọn ile-iṣẹ Latin America gba fere $ 2 bilionu ni owo-owo inifura ni oṣu marun ti o yorisi Oṣu kọkanla, diẹ sii ju $ 1.3 bilionu ti o gba ni idaji akọkọ ti ọdun.

"Awọn nkan ti gbe soke lati Oṣu Kẹsan," Seiz sọ. “Pupọ ti idoko-owo Latin America ni idari nipasẹ iwọn oṣuwọn AMẸRIKA, ati pe ọrọ-aje AMẸRIKA ti dara ni ọwọ yẹn.”

Fun Bruno Diniz, alamọran fintech ni Ilu Brazil, idoko-owo fun ọdun ti n bọ dabi “lori itọpa oke”. Bibẹẹkọ, o ṣọra ni pe wọn yẹ ki o wa ni isalẹ giga ti eka ni 2021, igbasilẹ kan.

Curbed itara

Ọdun 2021 jẹ ọdun aṣeyọri fun awọn ibẹrẹ Latin America, ti o sunmọ $ 16 bilionu ni awọn idoko-owo olu iṣowo, olu-ilu ti o nilo fun fintechs nla lati mu idagbasoke wọn pọ si jakejado Latin America. Pupọ julọ awọn fintechs ti o ni iwọn nla le gba nipasẹ ọdun meji to kọja ti aini olu nipa gige awọn idiyele ni ibinu, gbigbe soke tita-agbelebu ati awọn imudara iwọntunwọnsi.

Lakoko ti ireti ireti wa, ile-iṣẹ fintech ko jade ninu igbo sibẹsibẹ. Nitori awọn ifiyesi idiyele, owo-inawo ipele-pẹ ti gba ikọlu, pẹlu awọn oludokoowo agbaye ti n fa awọn idaduro. Botilẹjẹpe itọka ti imọlara ilọsiwaju wa laipẹ, iṣesi ti n bori jẹ ireti iṣọra. Diẹ ninu awọn ile-iṣẹ ti ni lati sunmọ larin idije ti o pọ si, ti njijadu pẹlu aito olu ti o ṣe idiwọ idanwo ọja gigun.

Awọn iṣowo nla nitosi opin ọdun pẹlu Kapital Mexico ipamo $ 40 million ni a jara-B yika, tabi neobank Albo $ 40 million jara-C yika ni Oṣu Kẹwa. Paapaa oṣu yẹn, ile-iṣẹ imọ-ẹrọ QI ara ilu Brazil kan ta $ 200 million ni a jara-B ti yio se ti o jẹ ọkan ninu awọn tobi iyipo ni gbogbo odun fun Latin American fintechs.

Diniz, tun ọjọgbọn fintech ni University of Sao Paulo, rii awọn iyipo idoko-owo ti o ni opin si awọn iyipo Series B ni ọdun ti n bọ. "Awọn iyipo ti o tobi julọ yoo maa jẹ diẹ," o sọ. O jiyan pe awọn ibẹrẹ Latin America yoo ronu lẹẹmeji ṣaaju titẹ awọn ọja. "Fintechs ti o ti gba awọn iyipo idoko-owo ilọsiwaju diẹ sii lo awọn ọdun meji to koja ti n ṣatunṣe awọn iṣẹ wọn fun ṣiṣe ati ifọkansi fun ere."

Ifowopamọ gbese gba asiwaju

Ni awọn agbegbe to ṣẹṣẹ, inawo gbese ti di ọna ti o wọpọ fun awọn fintechs, pẹlu ọpọlọpọ awọn neobanks ti o ni aabo awọn laini kirẹditi lati ọdọ awọn ayanilowo pataki bi awọn banki AMẸRIKA lati ṣe imugboroja wọn. Awọn apẹẹrẹ pẹlu Klar ni Ilu Meksiko, eyiti o ni aabo ohun elo kirẹditi $ 100 million lati Victory Park Capital, ati laini gbese $100 million Konfio pẹlu JP Morgan.

Fun Sandro Reiss, adari Ẹgbẹ Brazil ti Kirẹditi oni nọmba, aabo olu pataki lati yani yoo jẹ pataki ni ọdun to nbọ. Bii awọn ifiyesi itẹlọrun ti n pọ si, awọn fintechs ni ipo ti o dara julọ lati fun kirẹditi yoo ṣogo ọja ti o yatọ.

“Opin kan wa si bawo ni iriri olumulo le dara julọ nigbati o nfun ọja kanna,” o sọ fun Fintech Nesusi. “Agbara lati pese awọn opin kirẹditi ti o ga julọ si awọn alabara rẹ le ṣe awakọ igbeyawo pupọ julọ. Iyẹn yoo wakọ boya awọn alabara yoo jẹ ki awọn akọọlẹ banki wọn ṣii ati ṣiṣẹ, tabi nikẹhin dawọ lilo wọn.”

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