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1、November 2022A Review of the Health and Trends of the Fintech IndustryThe Changing Fintech LandscapeOn Hold,Backlog BuildsBuilding for a Crypto FutureThe State of Fintech:20222Founders Focus on FundamentalsThis time last year,I was writing a much different cover letter.The innovation economy was at

2、the peak of its best funding year ever,and fintech was at the center of that success.Companies in our industry were raising money at a breakneck pace for staggering valuations.Fast-forward to now and market conditions have changed dramatically.Founders are telling us about plans to“trim fat”and exte

3、nd runway as consumer demand softens.While the public markets grapple with a correction,more people want to know:“Has the fintech bubble popped?”From a valuations standpoint,you might see an easy answer.High-profile companies in our space have seen their public valuations fall sharply over the last

4、12 months.While down rounds are still rare,its clear that valuations are resetting in the private markets.But thats only part of the story.Tough market conditions provide the best conditions to grow resilient startups.Thats what were seeing now.A healthy pipeline of promising new fintech companies i

5、s rising to the occasion,while more established companies are seeking new growth opportunities to capture market share.In this years The State of Fintech report,we dive into these trends and leverage SVBs unmatched proprietary data to offer a unique perspective on the fintech industry.Investment may

6、 be cooling from the record high in 2021,but not by much.Venture Capital(VC)investors are on pace to deploy$38B into US fintech this year,the second-highest annual total for the US.However,capital deployments are now tapering with Q3 investment down 42%QoQ.In our benchmarking section,we detail which