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HERE’S WHAT’S HOT — AND WHAT’S NOT — IN FINTECH RIGHT NOW

Published Sat, Jun 10 20237:58 AM EDT
Ryan Browne@Ryan_Browne_
Arjun Kharpal@ArjunKharpal
MacKenzie Sigalos@KENZIESIGALOS
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Key Points
 * At Money 20/20 in Amsterdam this week, business-facing fintechs like
   Airwallex, Payoneer, and ClearBank were all the rage, while consumer apps
   such as Revolut were nowhere to be found.
 * The area that drew the most hype from Money 20/20 attendees was artificial
   intelligence, with fintech and banking leaders looking to harness the
   technology’s potential while assessing the risks.
 * Several fintech executives CNBC interviewed spoke of how they’re not
   interested in launching products tailored to crypto as the demand from their
   customers isn’t there.

Fintech executives descend on Amsterdam for the annual Money2020 conference.
MacKenzie Sigalos

AMSTERDAM, Netherlands — At last year’s Money 20/20 — Europe’s marquee event for
the financial technology industry — investors and industry insiders were abuzz
with talk about embedded finance, open banking, and banking-as-a-service.

As nebulous as these terms may be, they reflected a very real push from tech
startups, including the biggest names in the business such as Stripe and
Starling Bank, to allow businesses of all stripes to develop their own financial
services, or integrate other firms’ products into their platforms.



This year, with fintechs and their mainly venture capital and private-equity
backers reeling from a dire slump in technology valuations and softer consumer
spending, the narrative around what’s “hot” in fintech hasn’t changed an awful
lot.

Investors still love companies offering services to enterprises rather than
consumers. In some cases, they’ve been willing to write checks for firms at
valuations unchanged from their last funding round. But there are a few key
differences — not least the thing of curiosity that is generative artificial
intelligence.

So what’s hot in fintech right now? And what’s not? CNBC spoke to some of the
top industry insiders at Money 20/20 in Amsterdam. Here’s what they had to say.


WHAT’S HOT?

Looking around Money 20/20 this week, it was easy to see a clear trend going on.
Business-facing or business-to-business companies like Airwallex, Payoneer, and
ClearBank, dominated the show floor, while consumer apps such as Revolut,
Starling, and N26 were nowhere to be found.

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“I think many fintechs have pivoted to enterprise sales having found consumer
hard to make sufficient unit economics — plus it’s pretty expensive to get a
stand and attend M2020 so you need to be selling to other attendees to justify
the outlay,” Richard Davies, CEO of U.K. startup lender Allica Bank, told CNBC.



“B2B is definitely in good shape — both SME and enterprise SaaS
[software-as-a-service] — providing you can demonstrate your products and
services, have proven customer demand, and good unit economics. Embedded finance
certainly is part of this and has a long way to run as it is in its infancy in
most cases,” Davies said.

B2B fintechs are startups that develop digital financial products tailored to
businesses. SaaS is software that tech firms sell to their customers as a
subscription. Embedded finance refers to the idea of third-party financial
services like bank accounts, brokerage accounts and insurance policies being
integrated into other businesses’ platforms.

Niklas Guske, who runs operations at Taktile — a fintech start-up focused on
streamlining underwriting decisions for enterprise clients — describes the
sector as being in the middle of a renaissance for B2B payments and financing.

“There is a huge opportunity to take lessons from B2C fintechs to uplevel the
B2B user experience and deliver far better solutions for customers,” said Guske.
“This is particularly true in SME finance, which is traditionally underserved
because it has historically been difficult to accurately assess the performance
of younger or smaller companies.”

One area fintech companies are getting excited by is an improvement to online
checkout tools. Payments technology company Stripe, for instance, says a newer
version of its checkout surfaces has helped customers increase revenue by 10.5%.

“That is kind of incredible,” David Singleton, chief technology officer of
Stripe, told CNBC. “There are not a lot of things you can do in a business that
increase your revenue by 10%.”

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Meanwhile, companies tightening their belts at the event is also a theme.

One employee of a major firm that usually attends the event said they have cut
down on the number of people they have sent to Money 20/20 and have not even
bought a stand. The employee was not authorized to speak to the media.

Indeed, as companies look to scale as they cut back on spending, many say a key
priority is adequately managing risk.

“When funds were readily available, many fintechs could subsidize poor risk
assessments with investor money,” Guske said of the sector, adding that in
today’s climate, fintechs are only profitable if they can identify and secure
the right customers.

“This is another moment where the proliferation of new data sources and the
adoption of sophisticated risk modeling enables fintechs to better target their
ideal customers better than ever before,” said Guske, who raised more than $24
million from the likes of Y Combinator and Tiger Global.


GENERATIVE AI

The main area that drew the most hype from Money 20/20 attendees, however, was
artificial intelligence.

That’s as ChatGPT, the popular generative AI software from OpenAI which produces
human-like responses to user queries, dazzled fintech and banking leaders
looking to understand its potential.

In a closed-door session on the application of fintech in AI Wednesday, one
startup boss pitched how they’re using the technology to be more creative in
communications with their customers by incorporating memes into the chat
function and allowing its chatbot, Cleo, to “roast” users about poor spending
decisions.

Callan Carvey, global head of operations at Cleo, said the firm’s AI connects to
a customer’s bank account to get a better understanding of their financial
behavior.

“It powers our transaction understanding and that deeply personalized financial
advice,” Carvey said during her talk. “It also allows us to leverage AI and have
predictive measures to help you avoid future financial mistakes,” such as
avoiding punchy bank fees you could otherwise avoid.

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Teo Blidarus, CEO and co-founder of financial infrastructure firm FintechOS,
said generative AI has been a boon to platforms like his, where companies can
build their own financial services with little technical experience.

“AI, and particularly generative AI, it’s a big enabler for fintech enablement
infrastructure, because if you’re looking at what are the barriers that low
code, no code on one side and generative AI on the other are trying to solve if
the complexity of the overall infrastructure,” he told CNBC.

“A job that typically would take around one or two weeks can now be completed in
30 minutes, right. Granted, you still need to polish it a little bit, but
fundamentally I think it allows you know to spend your time on more productive
stuff — creative stuff, rather than integration work.”

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As businesses hyper-focus on how they can do more with less, both tech-forward
and traditional businesses say they have been turning to revenue and finance
automation products that handle back-office operations to try to optimize
efficiency.

Indeed, Taktile’s Guske notes that the current demand to continue scaling
rapidly while simultaneously reducing costs has driven many fintechs to reduce
operational expenses and improve efficiency through an increase in automation
and reducing manual processes, especially in onboarding and underwriting.

“I see the biggest, actual application of generative AI in using it to create
signals out of raw transaction or accounting data,” said Guske.


WHAT’S NOT?

One thing’s for sure: consumer-oriented services aren’t the ones getting the
love from investors.

This year has seen major digital banking groups and payment groups suffer steep
drops in their valuations as shareholders reevaluated their business models in
the face of climbing inflation and higher interest rates.

Revolut, the British foreign exchange services giant, had its valuation cut by
shareholder Schroders Capital by 46%, implying a $15 billion markdown in its
valuation from $33 billion, according to a filing. Atom Bank, a U.K. challenger
bank, had its valuation marked down 31% by Schroders.

It comes as investment into European tech startups is on track to fall another
39% this year, from $83 billion in 2022 to $51 billion in 2023, according to
venture capital firm Atomico.

“No one comes to these events to open like a new bank account, right?” Hiroki
Takeuchi, CEO of GoCardless, told CNBC. “So if I’m Revolut, or something like
that, then I’m much more focused on how I get my customers and how I make them
happy. How do I get more of them? How do I grow them?”

“I don’t think Money 20/20 really helps with that. So that doesn’t surprise me
that there’s more of a shift towards B2B stuff,” said Takeuchi.

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Layoffs have also been a massive source of pain for the industry, with Zepz, the
U.K. money transfer firm, cutting 26% of its workforce last month.

Even once richly valued business-focused fintechs have suffered, with Stripe
announcing a $6.5 billion fundraise at a $50 billion valuation — a 50% discount
to its last round — and Checkout.com experiencing a 15% drop in its internal
valuation to $9 billion, according to startup news site Sifted.


FINTECHS COOLING ON CRYPTO

As Money 20/20 kicked off, the U.S. Securities and Exchange Commission sued
crypto exchange Binance and its founder Changpeng Zhao for securities
violations. Shortly after, the SEC sued U.S. firm Coinbase alleging it is acting
as an unregistered broker and exchange.

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It comes after a turbulent year for the crypto industry which has seen failed
projects and companies go bankrupt — likely a big part of why few crypto firms
made an appearance in Amsterdam this year.

During the height of the most recent bull run, digital asset companies and
know-your-customer providers dominated a lot of the Money 20/20 expo hall, but
conference organizers tell CNBC that just 6% of revenue came from companies with
a crypto affiliation.

Plunging liquidity in the crypto market, paired with a regulatory crackdown in
the U.S. on firms and banks doing business with the crypto sector, have altered
the value proposition for investing in digital asset integrations. Several
fintech executives CNBC interviewed spoke of how they’re not interested in
launching products tailored to crypto as the demand from their customers isn’t
there.

Airwallex, a cross-border payments start-up, partners with banks and is
regulated in various countries. Jack Zhang, the CEO of Airwallex, said the
company will not be introducing support for cryptocurrencies in the near future,
especially with the regulatory uncertainty.

“It’s very important for us to maintain the high standard of compliance and
regulation … it is a real challenge right now to deal with crypto, especially
with these global banks,” Zhang told CNBC in an interview on Tuesday.

Prajit Nanu, CEO of Nium, a fintech company that has a product that allows
financial institutions to support cryptocurrencies, said interest in that
service has “fallen off.”

“Banks who we power today have become very skeptical about crypto … as we see
the overall ecosystem going through this ... difficult time … we are looking at
it much more carefully than what we would have looked at last year,” Nanu told
CNBC in an interview Tuesday.

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Blockchain is also no longer the buzzword it once was in fintech.

A few years ago, the trendy thing to talk about was blockchain technology. Big
banks used to say that they weren’t keen on the cryptocurrency bitcoin but
instead were optimistic about the underlying tech known as blockchain.

Banks praised the way the ledger technology could improve efficiency. But
blockchain has barely been mentioned at Money 20/20.

One exception was JPMorgan, which is continuing to develop blockchain
applications with its Onyx arm. Onyx uses the technology to create new products,
platforms and marketplaces — including the bank’s JPM Coin, which it uses to
transfer funds between some of its institutional clients.

However, Basak Toprak, executive director of EMEA and head of coin systems at
JPMorgan, gave attendees a reality check about how limited practical use of the
technology is in banking at the moment.

“I think we’ve seen a lot of POCs, proof of concepts, which are great at doing
what it says on the tin, proving the concept. But I think, what we need to do is
make sure we create commercially viable products for solving specific problems,
sustain customer confidence, solving issues, and then launching a product or a
way of doing things that is commercially viable, and working with the
regulators.”

“Sometimes I think the role of the regulators is also quite important for
industry as well.”


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   whether you read an article, watch a video, listen to a podcast or look at a
   product description, how long you spent on this service and the web pages you
   visit etc. This is very helpful to understand the relevance of
   (non-advertising) content that is shown to you.
   
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 * UNDERSTAND AUDIENCES THROUGH STATISTICS OR COMBINATIONS OF DATA FROM
   DIFFERENT SOURCES 406 PARTNERS CAN USE THIS PURPOSE
   
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   Reports can be generated based on the combination of data sets (like user
   profiles, statistics, market research, analytics data) regarding your
   interactions and those of other users with advertising or (non-advertising)
   content to identify common characteristics (for instance, to determine which
   target audiences are more receptive to an ad campaign or to certain
   contents).
   
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 * DEVELOP AND IMPROVE SERVICES 494 PARTNERS CAN USE THIS PURPOSE
   
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   Information about your activity on this service, such as your interaction
   with ads or content, can be very helpful to improve products and services and
   to build new products and services based on user interactions, the type of
   audience, etc. This specific purpose does not include the development or
   improvement of user profiles and identifiers.
   
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 * USE LIMITED DATA TO SELECT CONTENT 103 PARTNERS CAN USE THIS PURPOSE
   
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   Content presented to you on this service can be based on limited data, such
   as the website or app you are using, your non-precise location, your device
   type, or which content you are (or have been) interacting with (for example,
   to limit the number of times a video or an article is presented to you).
   
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 * TARGETED ADVERTISING COOKIES
   
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   These Cookies are used to collect data about your browsing habits, use of the
   Services, your preferences, and your interaction with advertisements across
   platforms and devices for the purpose of delivering targeted advertising
   content, both on our Services and on third party sites. Third-party sites and
   services also use Targeting Cookies to deliver content, including
   advertisements relevant to your interests on the Services. If you reject
   these Cookies, you will see less relevant advertising.

 * CONTENT SELECTION COOKIES
   
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   This group is so Content Selection IAB group can have an id

 * SOCIAL MEDIA COOKIES
   
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   These Cookies are set by social media platforms on the Services to enable you
   to share content with your friends and networks. Social media platforms have
   the ability to track your online activity outside of the Services. This may
   impact the content and messages you see on other websites you visit.

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