The Impulso Podcast E81: Where has all the fintech funding gone?
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Jun 21, 2024 Gavin Tan, a lawyer turned fintech founder with extensive experience in scaling high-growth companies in Southeast Asia, discusses the dynamic landscape of fintech. He highlights the shift from traditional e-wallets to super apps and explores the significant growth in fintech funding, with 41% of tech investment directed at digital financial services. Gavin also addresses challenges like customer acquisition costs and regulatory complexities, while offering insights into the evolving real-time payments infrastructure in the region.
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Discipline Risk Management
- Fintech startups must discipline risk management amid growth pressures.
- Avoid relaxing credit decisions that can cause big blow-ups in lending businesses.
Respect Market Adoption Limits
- Understand market adoption limits and do not push growth beyond them.
- Exceeding these limits inflates acquisition costs and risk, destabilizing fintech startups.
Pitch Revenue, Not Just Efficiency
- Selling fintech infrastructure is challenging in markets with low labor costs.
- Focus sales pitches on increasing customer revenue rather than just cost savings.