/start ups

News and resources on fintech start-ups, scale-ups, hubs, accelerators, VCs and funding worldwide.

[New Impact Study] Bank Legacy Transformation is Not a New Challenge: Exploring the SolutionsFinextra Promoted[New Impact Study] Bank Legacy Transformation is Not a New Challenge: Exploring the Solutions

Join the Community

Learn, share and discuss the latest banking, payments and fintech innovations with the world’s largest fintech community.

Access unique research, content, and real-time alerts, services – free to registered members.

44,286 Members   22,362 Expert opinions

Join the community Sign in

269Reports  260Webinars

Find out more

/startups

Expert opinions

Ritesh Jain

Ritesh Jain Founder at Infynit / Former COO HSBC

Klarna x Stripe: A Defining Moment in the Global Payments Landscape

The expanded partnership between Klarna and Stripe represents a strategic inflection point in the evolution of global payments. As Klarna gears up for its much-anticipated U.S. IPO—targeting a valuation of nearly $20 billion—this collaboration gives the company unparalleled access to millions of Stripe-powered merchants across 26 countries. This mo...

/payments /startups Fintech

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

The Path to Exit of a Fintech - Maximizing Value for Founders and Investors

As a founder launching a Fintech startup, it’s unlikely you’ll build it into a multi-generational family business. Most tech startups rely heavily on external investor funding, where investors, without emotional ties to the company, typically plan for an eventual exit aligned with their investment timeline. This reliance on external capital often

/startups Fintech innovation and startups

Nirmal Raj

Nirmal Raj Marketing Specialist at Cheqly

How to Prepare Financial Projections

You’re thinking about your company’s future. How much will sales grow next year? What will your revenue look like in five years? Or, if you’re just starting out, how long will it take for your business to turn a profit? Though the future is uncertain, you can make informed predictions about your company’s performance in the years ahead. These pro...

/startups

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

Valuation Essentials: Framework for Fintech Pricing

For a fintech start-up or scale-up, valuation is crucial. It plays a significant role in major financial events such as sales, mergers, funding rounds, or employee stock option plans. Essentially, valuation determines the price assigned to a business at a specific point in time. For instance, during a funding round, it dictates how many shares an

/startups /predictions Fintech

Ivan Aleksandrov

Ivan Aleksandrov CSO | Core banking, BaaS, Fintech Advisory at Advapay

Fintech Startup Success: Key Considerations

Success with a fintech startup requires more than the usual business savvy and basic organisation. It takes strategic planning and data-driven decision-making to reach profit and sustainable growth. Advapay’s expertise in the fintech sector allows us to share these meaningful recommendations with you. The roadmap and the business structure you cho...

/payments /startups Fintech

/startups

Trending

/startups

Research

Future of Report

The Future of Digital Banking in Europe 2024

A Money20/20 Special Edition. In 2023, fintech investment in the EMEA region dropped to $24.5 billion, down from $49.6 billion in 2022 – a seven year low.  Macroeconomic and global political conditions are creating challenges for growth, with upcoming general elections around the world adding to the uncertainties in financial ecosystems. Despite these challenges, the outlook for European digital banking remains positive.  The region continues to lead in innovation within the financial sector. This Finextra report, a Special Edition for Money20/20 Europe, features interviews with key players in the European financial services and fintech industries. It includes insights from Vodeno, EY, J.P. Morgan, Swift, Tink, and TrueLayer, and explores the following topics that will be addressed in Amsterdam: Hyper-personalisation: Moving towards super apps  Embedded payments driving the Banking-as-a-Service revolution  Variable recurring payments: The next step in European open banking  Is Europe ready for MiCA? From Web1 to Web3, or Markets1 to Markets3  How European fintech is facing macro challenges 

983 downloads

Future of Report

The Future of UK Fintech - 2015-2035

An IFGS Special Edition UK Fintech Week 2024 With UK Fintech Week's flagship event - Innovate Finance Global Summit (IFGS) - returning for its 10th anniversary, Finextra and Innovate Finance have partnered to publish this report, which acts as your go-to-guide to everything you need to know about financial services and technology in the UK. ‘The Future of UK Fintech: 2015 – 2035: An IFGS Special Edition’ includes commentary from the brightest and best across the fintech ecosystem, discussing and debating the crucial issues facing the sector now and in years to come. This includes key insights from industry experts from Cogo, EY, Konsentus, Marqeta, Standard Chartered Ventures, and Zopa Bank. Scoping out the next decade to come, this report explores the agenda topics below and more: The Next Decade of FS and Innovation: What Lies Ahead Fintech Beyond FS Borders: How Fintech is Impacting other Industries and Sectors UK and the World: Keeping our Crown while Learning from Others Transformative Technologies: Opportunities and Risks Users of Tomorrow: The Next Generation of Consumers The Shifting Ecosystem: Who Will Lead?

695 downloads

Report

Banking as a Service: Predictions for 2023

Cloud strategies are changing After the financial crisis of 2008, traditional lenders experienced a drop in revenue and new players successfully gained traction after offering products that had been in high demand and long expected from existing banks. This trend advanced after regulators across the world endorsed open banking initiatives, data requirements were standardised and in turn, financial players gradually opened up to technology. With the transparency that open banking provides, banks were encouraged to offer digital services, fair pricing, and increased security. Further, they are forced to utilise application programming interfaces (APIs) for seamless information exchange between partners. This trend has since evolved: with open finance, APIs can facilitate the interchange of data, products and services in an attempt to improve customer experience, offer greater choice, and control over their finances. In 2020, the financial services industry - particularly banks - implemented emerging technologies to accelerate innovation across the infrastructure of core functions in real-time, and underlying trends that were previously being considered were utilised in weeks, rather than months or years. The coronavirus has led to relationships with consumers being reimagined and relationships with ecosystem partners being redefined; this also resulted in products and services being reconsidered. Technology providers are no longer just technology vendors: startups, scaleups and even unicorns are now viable collaborators for financial institutions. In this post-lockdown era, banks are tapping into this partnership model to enhance their digital transformation to keep pace with customer requirements and avoid being disrupted by newer, more technology-savvy, entrants. When banks work with technology companies, APIs can be built with a number of microservices that can communicate and connect with these third parties, building upon open finance solutions on cloud-based platforms. This allows financial institutions to scale on demand, pay for only what is consumed, and expand serverless architectures. Financial institutions are no longer considering the cloud – the cloud is necessary for how finance works today. An emerging yet burgeoning trend that will continue to evolve and grow in 2023 – banking as a service (BaaS) - offers a new route to market for banks and empowers them to attract new, niche customers by leveraging the cloud. BaaS also allows non-financial companies to push out financial products where and when they are needed, direct to their customers with minimal investment and with the benefit of cloud-based, pay-as-you-go pricing. This Finextra impact study, produced in association with i-exceed, explores how financial institutions and technology providers can collaborate to deploy mobile and web-based banking solutions at a faster rate.

1002 downloads

/startups

FinextraTV

How Partnerships Can Be Key to Startup Survival

Many startups have a large number of decisions to make and each one has the chance to affect their trajectory significantly. As a result, some will often rush what might initially be seen as the simplest decision: who to bank with. Yet Rob Burnett, Director of Startup Banking, Grasshopper Bank told FinextraTV in this interview that it might be worth spending longer considering a banking partner. This first decision - finding the right person for their specific, niche needs - could reduce the time spent deciding future expenses, help them be compliant and enable a consistent growth

/startups

Long reads

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

Top 25 fintech investments of 2024

A Silicon Valley Bank report released at the end of 2024 revealed that venture capital investment in US fintech remains muted, hovering near a six-year low for the sector. Deal flow has shifted toward the early stage, with more than three seed investments for every one Series A. In 2021, fintech deals over $100 million accounted for 65% of activi...

Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

How can fintechs ensure further profitability amid macro-economic challenges?

Funding for startups and fintech has fallen to a low point since its peak in 2021. Yet, many companies with a more solid base are looking at how they can expand further and create more profitability in a challenging macroeconomic environment. Q1 2024 saw only 904 deals and $7.3 billion in fintech funding, which was the worst performing quarter sinc...

Vladimir Krasik

Vladimir Krasik Global Head of Internal Treasury at Revolut

How can fintechs use high interest rates to navigate capital markets?

The rising interest rate cycle of the last two years has been accompanied by the deterioration of capital market conditions, adversely affecting most fintech start-ups. Investors discounted valuations, making raising new equity capital significantly more challenging compared to the era of zero-cost money. Simultaneously, for operational start-ups t...