Money20/20

Think Fintech is all about disruption? It is, but what's often overlooked is the power of niche specialization. Forget the one-size-fits-all approach. The real value lies in Fintechs that are laying the groundwork for a more inclusive, efficient, and transparent financial system. Seek out Fintechs that: > Solve real problems: Not just creating solutions for problems that don't exist. > Foster community: Building loyal user bases through shared experiences and values. > Champion financial inclusion: Expanding access to financial services for underserved populations. > Prioritize interoperability: Building solutions that seamlessly integrate with existing systems and each other. > Leverage data intelligently: Utilizing data not just for personalization, but for creating genuinely valuable insights. Investing in Fintech isn't just about the next big thing. It's about co-creating a financial future where technology empowers individuals and businesses alike. #Fintech #VentureCapital #investing

Unlock the secrets behind transformative investments in this #MoneyPot episode from #Money2020Asia! Our hosts Scarlett Sieber and Sheryl Chen chat with Dennis Pratistha, Chief Investment Officer at PT. Mandiri Capital Indonesia (MCI), on the perfect timing for startups to seek investment, the support MCI offers and more. Listen to the full version here: https://lnkd.in/gHq8TESt

Overcoming the Challenges of Early-Stage Payments Investing: A VC's Playbook The payments sector is a hotbed of innovation, but early-stage investing comes with unique challenges. As VCs specializing in this space, we need to be strategic, agile, and ready to adapt. Let's tackle some common obstacles: 1. Regulatory Quicksand: Challenge: Regulatory frameworks can shift like sand beneath our feet, especially with emerging technologies like cryptocurrencies and open banking. Solution: Rather than getting bogged down, proactively engage with regulatory bodies, industry associations, and legal experts specializing in payments. Seek out startups that demonstrate a proactive approach to compliance, incorporating it into their DNA. 2. Competitive Cauldron: Challenge: The payments sector is dominated by established players with significant resources and brand recognition. Solution: Look for startups that are carving out niche markets or offering disruptive technologies that address unmet needs. Invest in teams with deep domain expertise and a laser focus on customer experience. Consider partnering with established players to leverage their distribution channels and customer base. 3. Cybersecurity Minefield: Challenge: Fintechs are high-value targets for cybercriminals, making robust security an absolute necessity. Solution: Don't just invest in technology; invest in people. Seek out startups with a security-first culture, where everyone from the CEO to the intern understands the importance of protecting sensitive data. Look for teams that are constantly learning and evolving their security practices. 4. Complex Payments Ecosystem: Challenge: The payments ecosystem is complex, involving multiple stakeholders, including banks, processors, networks, and merchants. Solution: Invest in startups that have a clear understanding of the payments value chain and have established strategic partnerships with key players. Look for teams that are adept at navigating the complexities of integration, security, and compliance. 5. Building Trust and Adoption: Challenge: Early-stage payment startups face the challenge of building trust and gaining adoption from consumers and merchants. Solution: Invest in startups that prioritize user experience, security, and transparency. Look for innovative approaches to customer acquisition and retention, such as referral programs, loyalty rewards, and strategic partnerships with influencers or brands. The early-stage payments landscape is challenging, but it's also ripe with opportunity. By embracing these challenges head-on and implementing strategic solutions, VCs can unlock the potential of this dynamic sector. #venturecapital #fintech #payments #earlystage #startups

Did you love our 2024 edition? Amazing – because #Money2020Asia 2025 is set to blow your mind with inspiring keynotes, deep-dive sessions, and amazing networking with the top names in the industry. 😎 As the must-attend event for the global fintech community, our Asia show is your chance to connect with industry leaders, discover groundbreaking innovations, and gain insights that will shape the future of financial services in Asia and beyond. Be part of the conversation that’s driving the next wave of fintech advancements, building partnerships, closing deals, and making breakthroughs for your business. Don't wait – snag your pass at launch rate today: https://ow.ly/VOkj50SJKVV

Did we just hear SAVINGS? Whether you’re a startup, retailer, government, non-profit, or attending as a group, we’ve got a #Money2020USA pass tailored just for you! Unlock game-changing opportunities and exclusive rates now: https://lnkd.in/dxtDqUax

CNBC just revealed the Top 250 Fintech Companies for 2024, and guess what? Nearly HALF of the world's top fintechs are already joining Money20/20 globally. Just see for yourself! Truth is, top industry leaders (1 in 3 attendees are C-Suite) know that Money20/20 is where you come to accelerate deals, build partnerships, raise your profile and make breakthroughs. So, it's no surprise they are part of the Money20/20 fam. The top names in fintech are making sure to be at Money20/20 because it's where the action is. Missing out means falling behind, and we know you’re not one to settle for second place. Get in touch with our team today to learn how to make the biggest impact on your brand this fall before it's too late: https://lnkd.in/dUvAcv4P

Due Diligence in Fintech: 5 Tips for Maximum Impact 1. The Tech Iceberg: A polished product demo doesn't always reflect the underlying technological infrastructure. Technical debt, outdated systems, and scalability issues can cripple a promising fintech venture.  > Solution: Enlist experienced software engineers to conduct a technical audit. Scrutinize the codebase, architecture, and scalability potential. Don't shy away from asking tough questions about future-proofing and growth capacity. 2. Regulatory Quicksand: While regulatory compliance is a given, the devil lies in the details. Fintechs often operate in a patchwork of evolving regulations, and a seemingly minor oversight can have severe consequences. > Solution: Partner with legal experts specializing in fintech to conduct a thorough audit. Look beyond the obvious and anticipate potential regulatory changes that could impact the startup's long-term viability. 3. Team DNA: A brilliant idea is only as good as the team driving it. Evaluate the founders' experience, expertise, and passion.  Founders and investors might not always share the same vision or risk appetite. Hidden liabilities, undisclosed conflicts of interest, or misaligned incentives can lead to costly disputes down the line. > Solution: Conduct thorough background checks on the founders and key team members. Look for a diverse team with complementary skills and a shared vision. Scrutinize the company's financial records and legal agreements. Seek transparency and open communication from the outset. 4. Data Security & Privacy Vulnerabilities: Fintechs handle sensitive financial data, making them prime targets for cyberattacks. A data breach can damage the startup's reputation, incur financial losses, and trigger regulatory investigations. > Solution: Engage cybersecurity experts to assess the startup's data security measures. Ensure robust data protection measures, proactive threat detection, and a well-defined incident response plan. 5. Overdependence on Third Parties: A startup's partnerships can reveal a lot about their credibility and potential for growth. Investigate their collaborations with established players in the industry, as well as their integration with other technologies. Many fintechs rely on third-party platforms for critical services like payments, identity verification, and cloud infrastructure. Disruptions or failures in these partnerships can cripple operations overnight. > Solution: Evaluate the startup's reliance on third-party vendors. Assess their financial stability, reputation, and SLAs. Demand contingency plans and backup solutions. Remember, due diligence is an ongoing process. It's about uncovering hidden risks and making informed decisions. Stay curious, ask tough questions, and don't be afraid to challenge assumptions. Use tools like TwentyFold, to access the most comprehensive and up-to-date fintech intelligence. #fintech #venturecapital #duediligence

Hot off the press! Money20/20 Europe's Head of Content Ian Horne in conversation with Alex Gatiragas, Director of Solution Experience at Giesecke+Devrient on balancing innovation with reliability in the digital asset space. Read more below!

Fintech's 2024 Reality Check: 3 Trends That Will Separate Winners from Losers Here's what's actually happening in the industry and why it matters for your investment strategy. Here are three key trends we're watching closely in the second half of the year: 1. Embedded Finance: The Silent Disruptor:  a. It's not just about BNPL anymore. Embedded finance is quietly transforming how businesses operate and interact with customers. Smart money is on companies that are integrating financial services seamlessly into their core offerings, creating new revenue streams and stickier customer relationships.  b. Watch for innovative use cases beyond the usual suspects (e.g., e-commerce checkout) as businesses of all kinds realize the value of offering financial services directly within their existing platforms. 2. AI-Powered Personalization: The New Battleground for Customer Loyalty:  a. Mass-market financial products are becoming a thing of the past. The real differentiator? Personalized experiences. AI-driven insights are enabling companies to deliver tailored financial solutions that truly resonate with customers, fostering long-term loyalty in an increasingly competitive market. b. Expect to see hyper-personalized offerings—from investment advice to loan terms—that cater to each customer's unique financial profile and risk tolerance. 3. Regulation and Compliance: The Unsexy Secret to Success:  a. While it might not be the most exciting topic, regulatory compliance is the unsung hero of fintech success stories. b. Prioritizing strong governance and risk management is what separates the fintech companies that merely survive from those that truly thrive. In an increasingly crowded market, these are the companies that not only avoid costly pitfalls but also build the trust and credibility that are essential for attracting and retaining both customers and investors. #fintech #venturecapital #innovation #financialtechnology #embeddedfinance #AI #personalization #regulation #compliance

At TwentyFold, our data reveals a seismic shift in the financial landscape: Gen Z is demanding more from their financial providers. Traditional banking models are falling short, leaving a gap for innovative fintech solutions that cater to this digital-native generation. Three key areas: > Embedded finance: Seamlessly integrating financial services into everyday experiences. > Micro-investing: Democratizing access to investment opportunities, starting small. > Blockchain-based payments: Leveraging the security and transparency of blockchain for next-gen transactions. These aren't just trends, they're the foundation of a new financial ecosystem designed with Gen Z in mind. #fintech #dataintelligence #GenZ #futureoffinance