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1、Fintechsector update Important disclosures appear at the end of this reportGP Bullhound Corporate Finance Ltd and GP Bullhound Asset Management Limited are authorised and regulated by the Financial Conduct Authority GP Bullhound Inc is a member of FINRAGP Bullhound Luxembourg S.R.L.is regulated by t

2、he CSSF in LuxembourgQualitative insights into broader Fintech trends and public and private valuations across the transaction spectrum,and interviews with todays leaders transforming the sector.Q4 20222Takeaways114 countries globally,representing over 95%of global GDP,are exploring Central Bank Dig

3、ital CurrenciesIncreased adoption of blockchain-enabled solutions and mass transition to a cashless ecosystem is catalysing the proliferation of digital currenciesWith multiple pilot programmes being held by both the Bank of England and the European Central Bank,implementation and dynamics are under

4、 questionNote:Please see following slides for sourcesTHE VIEWQ4 Fintech perspectives from GP BullhoundPay by Bank leverages open banking to facilitate payments between trusted parties without the need for a card.The payment method has several benefits including improved security,automated customer o

5、nboarding for merchants and reduced processing costsRecently,banks have established partnerships,with and without fintechs,to roll-out a Pay by Bank solution to ensure their payments offering remains competitiveBANKS INNOVATE AUTOMATED CLEARING HOUSE PAYMENTS TO REMAIN COMPETITIVETakeawaysTHE FUTURE

6、 OF CENTRAL BANKS IS IT DIGITAL?Artificial intelligence and machine learning have become increasingly popular in credit scoring processes within the fintech industry in recent yearsBy using alternative data sources,improving efficiency and speed,and personalising credit decisions,fintech companies c