Fintech Insider Podcast by 11:FS
954. Insights: Is the ground shifting for fintech funders and founders?
Apr 17, 2025
Tom Easterby, Head of FinTech at HSBC Innovation Banking, and Ruth Foxe Blader, General Partner at Foxe Capital, discuss the shifting dynamics in the fintech landscape. They explore the 48% drop in global investment and the challenges founders face in securing funding. The conversation highlights the critical role of innovation, cybersecurity, and diverse funding strategies in this evolving market. There's an emphasis on adapting business models to thrive amidst competition and the impact of geopolitical factors on future investment trends.
48:27
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Quick takeaways
- The fintech investment landscape has shifted dramatically, with a nearly 50% drop in global funding in 2023, prompting founders to adapt towards profitability.
- Generative AI is becoming integral to fintech innovation, leading founders to rethink their strategies and explore new operational efficiencies amidst heightened competition.
Deep dives
Shifting Landscape of Fintech Investment
The fintech investment landscape has undergone a significant transformation recently, with global investment dropping by nearly half in 2023 compared to the previous year. This decline follows a period of exuberance post-2008 financial crisis, leading to an era characterized by rapid scaling and aggressive funding strategies. In contrast, the current environment sees founders experiencing heightened difficulty in securing capital, requiring them to adapt their business models to focus more on profitability rather than growth at all costs. Despite overall declines, the Middle East market remains vibrant, showcasing regional variations where investment continues to surge.
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