10.12.2025, 15:32

State of Fintech 2023

1. More charts and data than you can shake a stick at.

2. Fintech: We are so back. Turns out it wasn’t just a ZIRP phenomenon.

3. Embedded Everything. More complex financial products and customers.

4. Banks. Rate normalization didn’t help. The new normal is the old normal.

5. Big Tech. Slowly then suddenly eating consumer distribution.

6. Crypto. Legal and regulatory action hasn’t stalled momentum. The opposite.

Plus: predictions for 2024, and way way more.