Along the same lines, Schroders recently wrote down its investment in Revolut, another top-funded challenger bank, by 46%.

It’s not a great look for the sector. 

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This reflects a broader trend: Account-to-account (A2A) payments, where funds are transferred between two bank accounts without intermediaries such as card networks, are gaining popularity. Since A2A cuts out some steps compared to traditional payments approaches, it can be speedier, more secure, and — crucially — can reduce transaction costs.

Using CB Insights data, we dug into the A2A market to identify what will happen next.

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The post Shopify launches direct bill pay: What’s next for A2A payments? appeared first on CB Insights Research.

Using CB Insights data, we highlight some of the key takeaways from our Q1’23 State of Fintech report, including:

1. Global fintech funding grows 55% QoQ in Q1’23; $6.5B is raised by Stripe alone. 
2. Early-stage deal share reaches 72%, a new high.
3. Unicorn births fall to 1 for the first time since 2016. 
4. Fintech M&A exits rebound, increasing 15% QoQ. 
5. Banking funding and deals hit lowest levels since Q2’17. 

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To meet this need, leading global payment network Visa has forged hundreds of strategic business partnerships, invested in dozens of companies, and made a few acquisitions over the last 2 years. 

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The post Analyzing Visa’s growth strategy: How the company is facilitating seamless customer experiences and expanding access to financial products appeared first on CB Insights Research.

While big banks like Bank of America, Citigroup, and Goldman Sachs were quick to place restrictions on employee use of OpenAI’s ChatGPT in February 2023, other financial firms have jumped at the opportunity to leverage the tech. 

For example, Morgan Stanley is using OpenAI-powered chatbots to assist financial advisors as a knowledge resource that leverages the firm’s internal repository of research and data. Hedge fund Citadel is reportedly in talks for an enterprise-wide ChatGPT license that will be used for software development and information analysis. 

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At the same time, financial innovation, rapid advances in AI modeling, and new digital customer data streams are making the nature of regulatory and compliance management significantly more complicated.

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The post 200 companies automating regulatory and compliance efforts for financial institutions appeared first on CB Insights Research.

Crypto payments for small and medium-sized businesses (SMBs) provide the infrastructure that enables merchants to accept cryptocurrency payments and make payouts in crypto, either online or in person.

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Banking-as-a-service companies enable collaboration between banks and third parties. They help third parties build, launch, and scale banking products and services through banks’ application programming interfaces (APIs). These companies typically partner with legacy banks to provide their non-banking fintech clients with a full range of banking capabilities, which they embed into their clients’ existing platforms.

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In an effort to boost growth, Santander has acquired, partnered with, and invested in fintech companies that enable better customer experiences, make it easier to access credit, and help businesses manage their finances. It has also launched new tech-forward payments and banking products (such as PagoNxt) and stepped into digital asset trading.

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The post Analyzing Santander Bank’s growth strategy: How the banking giant is investing in fintech appeared first on CB Insights Research.

Crypto asset management companies provide passive crypto investment strategies to institutional clients. Examples include single- and multi-asset crypto index funds, trusts, exchange-traded funds (ETFs), and separately managed accounts.

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Institutional staking companies in this market offer yield generation for institutional investors through staking, where crypto assets are allocated to process transactions and secure protocols (e.g., Ethereum) in exchange for rewards.

Staking providers run nodes (a requirement to stake) as a service for clients, eliminating the technical overhead that institutional investors face when setting up and managing their own nodes.

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Cross-border payments for small and medium-sized businesses (SMBs) include companies that enable SMBs to accept payments and send funds to other businesses internationally. Many providers offer financial infrastructure and application programming interfaces (APIs) that help companies operate despite borders.

Some companies build products like multi-currency debit cards and other online payment capabilities.

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Its portfolio includes several high-valued tech companies, such as Mindbody, Pluralsight, and Ping Identity.

Since the beginning of 2022, Vista Equity Partners has been involved in numerous transactions and has participated in multiple mega-rounds (deals worth $100M+). The firm has also taken several companies private at billion-dollar valuations.

Using CB Insights data, we mapped how Vista Equity Partners has spread its investments and acquisitions since 2022 across categories like cybersecurity, financial services, enterprise tech, and more.

CB Insights clients can dig deeper into all 21 deals listed above using this CB Insights platform search.

The post Analyzing Vista Equity Partner’s investment strategy: Where the PE firm is betting big across key industries appeared first on CB Insights Research.

The retirement investment market includes companies that aim to improve advisors’ retirement offerings by providing payroll integrations and other retirement-focused portfolio-building solutions within the same platform. Most of the solutions focus on end-to-end retirement planning and cater to financial advisors and employers that want to integrate streamlined retirement offerings with their human resources systems.

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The alternative investment market encompasses any investment opportunity outside of traditional stocks and bonds, such as private equity, hedge funds, real estate, and digital assets. Business-to-business (B2B) companies in this market provide financial advisors and portfolio managers with access to alternative investment opportunities as well as related educational material that they can integrate into their client portfolios.

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Open banking companies use application programming interfaces (APIs) to give banks access to their customer data and allow them to share that data with fintech firms (with permission from the customer). This allows banks and third-party fintech firms to easily map and analyze vast customer data, which they use to improve digital experiences and products.

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Digital banking transformation companies include omnichannel retail banking suites and multiproduct offerings that assist banks with digital transformations, from online opening and onboarding to customers’ mobile app experiences.

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Companies offer consumer-facing add-on solutions to enhance the customer experience and build customer loyalty. Solutions include white-label personal finance platforms that offer customized insights on money management, loyalty and cashback programs, and other card-linked offers.

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According to SVB, its clients account for 71% of all fintech IPOs since 2020. It’s clearly plugged into the fintech ecosystem.

The fallout from recent events may leave a hole in fintech that won’t easily be filled. While moving to a new bank for your deposits might be simple, searching for and setting up a payment rails and processing partner is a more difficult process.

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Chatbots and virtual assistants use conversational artificial intelligence (AI) designed to digitize and automate bank-customer interactions. These solutions allow customers to find quick answers to their questions and provide banks with a significant customer data collection channel.

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Cloud-based core banking markets include cloud-native and cloud-based software-as-a-service (SaaS) platforms that integrate with or replace banks’ existing core systems. These solutions can lower costs across the retail banking value chain, reduce silos in front- and back-end operations, help launch new products, and drive consumer experiences.

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Customer analytics & insights companies aggregate and analyze data on customers’ financials and behaviors to build unique profiles for individuals. Solutions include artificial intelligence (AI)-based customer intelligence platforms, data aggregation, analysis platforms, and data-driven microservice solutions that combine insights with personal finance tools.

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Payroll & benefits companies provide small and medium-sized businesses (SMBs) with human resource (HR) tech, payroll, benefits, and employee management systems. Many companies help SMBs manage and automate employee benefits all in one place.

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Accounting, invoicing, and tax companies develop accounting automation, invoicing, and tax solutions. Others offer tools for bookkeeping, accounts payable or augmented reality automation, cash management, forecasting, tax compliance, procurement, and financial planning and analysis.

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