Here are ten counterintuitive (and hopefully occasionally controversial) strategies for successful fintech investing.
, the global network of venture capital ists, and an investor in a number of startups around the world, I’m always astounded that in every deal, different VCs focus on different things. I’ve been fortunate to invest in several fintech unicorns from the early stage. Here are ten counterintuitive strategies for successful fintech investing.But financial services is one of the largest markets in the US economy, roughly 20% of GDP.
The best founders I’ve worked with have engaged with regulators with an attitude of openness and engagement., the stereotype of the hoodie-wearing, 20-something fintech founder is giving way to seasoned entrepreneurs with years of industry experience. Certainly, there are examples of generational founders solving companies young. Stripe for instance is a strong example in fintech .
Perhaps it is no surprise that the largest neobank in the world is in Brazil , the largest input & embedded fintech marketplace is in India , and arguably the largest BNPL company globally is in Sweden .The shiny allure of rapid growth means little if it’s built on unsustainable unit economics. Readers of this column will note my preference for
To make a simple example, if a lending startup receives an 80% advance rate vs 100% , this can be the difference between having to fundraise or not—or between life or death. Pardoxically, growth can actually hurt the business. If a lending company sees explosive volume and deploys $100m, in the first scenario, they will need to raise $20m just to be in business . In the latter, it is $0 in incremental equity. In short, in the former scenario, as the company grows it will require more cash.
For fintech I disagree: most startups live and die some form of financial intermediation. A lending startup makes money by first giving it away, losing a portion, and paying others for the use of their capital. Insurance companies get paid premiums, pay out risks later, and manage policies in between.
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