Finch Capital：2023年度欧洲金融科技状况报告（英文版）（34页）.pdf

1、State of European FinTech 2023The Return of Funding discipline resulted in a Flight to Quality and Profitability to SurviveWelcome to Finch Capitals 8th edition of the“State of European FinTech”report in which we take a closer look at Europes FinTech sector.Given the market backdrop,we focus on 3 co

2、re areas that provide an analysis of the sector and a forecast for opportunities that will likely emerge including:(1)State of European Fintech,(2)State of Fintech in Key European Countries and(3)Opportunities Likely to Emerge In Current SituationThese topics are good proxies for the overall health

3、of European FinTech which,as we predicted last year,has now entered a period of contraction.Unsurprisingly,there will be losers,but like in every market cycle,there will be winners as well.Laser focus on building profitable businesses at sustainable valuations will drive economic value to all stakeh

4、olders in the future.Aman GheiPartnerAJoe McHaleAnalystJRadboud VlaarManaging PartnerRFinch Capital is a Growth Investor in Europes Biggest Technology Transitions.We currently focus on 6 themes:FinTech(incl.Health and Insurance),Payments,Business Applications(Incl Accounting,Tax),Regulatory and ESG

5、Software and Real Estate Technology.We back companies generating 2m+in ARR by investing 5 to 15m initially and help them scale to 30m-50m revenues by building sustainable and capital efficient business models.Weve invested in 45 companies including Fourthline,Goodlord,Grab,ZOPA,Twisto,AccountsIQ,Nom

6、uPay and Symmetrical.Finch Capital consists of a team of 12 investment professionals with wide entrepreneurial experience located across offices in Amsterdam,London and Dublin.For more information see and subscribe to our newsletter.Eugnie Colonna dlstriaAssociateEIntroductionThe year of reckoning h