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1、October 2023Financial Services PracticeFintechs:A new paradigm of growthExecutive summary 1Chapter 1:Fintech growth then and now 2Chapter 2:The path to sustainable growth 8ContentsThis report is a collaborative effort by Lindsay Anan,Diego Castellanos Isaza,Fernando Figueiredo,Max Fltotto,Andr Jeren

2、z,Alexis Krivkovich,Marie-Claude Nadeau,Tunde Olanrewaju,Zaccaria Orlando,and Alessia Vassallo,representing views from McKinseys Financial Services Practice.After decades of hypergrowth,fintechs have entered a new era of value creation,where the focus is on sustainable,profitable growth.This report

3、examines how fintechs can win in these disruptive times.iiFintechs:A new paradigm of growthExecutive summaryOver the past decade,technological progress and innovation have catapulted the fintech sector from the fringes to the forefront of financial services.And the growth has been fast and furious,b

4、uoyed by the robust growth of the banking sector,rapid digitization,changing customer preferences,and increasing support of investors and regulators.During this decade,fintechs have profoundly reshaped certain areas of financial services with their innovative,differentiated,and customer-centric valu

5、e propositions,collaborative business models,and cross-skilled and agile teams.As of July 2023,publicly traded fintechs represented a market capitalization of$550 billion,a two-times increase versus 2019.1 In addition,as of the same period,there were more than 272 fintech unicorns,with a combined va

6、luation of$936 billion,a sevenfold increase from 39 firms valued at$1billion or more five years ago.2 In 2022,a market correction triggered a slowdown in this explosive growth momentum.The impact continues to be felt today.Funding and deal activity have declined across the board,and there are fewer