Tanya Thourani’s Post

View profile for Tanya Thourani

Fintech GTM Manager at EY | Author at #FINCUTS | Ex-Barclays | Ex- Capco | Top 100 WeAreTech Women | Britain's Asian Women of Achievement Finalist | Barclays Woman of the Year | UN Women UK Delegate to the UN CSW67

In case you wonder, how is your favourite fintech making money? 💰 Here's how I categorize it : 1. Nice & Simple : Subscriptions or Service Fees 2. Make it count : Brokerage Fees 3. Most Lucrative : Third Parties 4. Oldest Buddy : Advertising 5. The Gold Mines : Data & APIs Swipe right for details and an example of each 👉🏻👉🏻 Do you think there's more to it and different lens to look at it? Would love to hear from you 😊 Alla Gancz Frank Schwab Saleh ALhammad Prasanna Lohar Pankaj Singh 潘凯胜 Sagrika Shah Linda Saye Richard Guťan Shreyas Jani #fincuts #fintech #money #financialmodeling #data #apis #subscriptions #broker #advertising #vendors

Frank Schwab

Professional Board Member & Strategic Advisor

2y

Thank you for sharing, Tanya Thourani. We will see which business model is really sustainable ... for now this is still unclear ...

Kashish Pahwa

Product@HPE | #GHC22 Scholar | Masters in Software Management, Carnegie Mellon University | Product Enthusiast | Toastmaster | Ex-Barclays

2y

Tanya Thourani, loving these Fincuts! A holistic view indeed.

Fahad Khan Niazi فہد خان نیازی

TikTok | Global Public Policy | Government Relations | Policy-maker | ICTs-Telecommunications | Digital Finance | e-Commerce | Learner | Day-dreamer | CATALYST

2y

Thanks for such a simple demonstration of Fintechs revenue streams. Apart from revenue, "Value" and "Profitability" are other aspects to ponder about. A company with a sustainable business model and strong founders/investors' profile would have higher value even when they are not making money in the short run. On average, 4-7 years is the break even point for these fintechs. Interestingly, MSMEs sector focused fintechs/Digital Bsnks break even quite early (3-4 years). Needs of MSMEs and Individuals are quite opposite (deposit vs credit), therefore, optimum mix of customers and strong equity/investor profile make them float during the bleading times. "Float" may not be relevant before the break even point.

Vinay Jayaram

Entrepreneur, investor, advisor, former financial services executive

2y

I would welcome a list of fintechs that make more money than they spend.

Kalpana Kashyap

AVP - Inclusive Finance

2y

Very informative to  say the least 

Sandeep S.Jadwani A.C.S.I., CIB

Award winning Head of Investment Advisory | PEP & Family Offices Financial Advisor | Speaker | Private Banking | Finfluencer | Business Development | Legacy Transfer Specialist | Millennial Generational Expert |

2y

Tanya Thourani it SUMs up the rev streams! Another one is the “float” specially for the payments/wallets that’s a real cream. Hoping the new Gen realizes that as well:-)

Sana Bilal

Product Management | Digital Financial Services | Digital Distribution

2y

Loved it Tanya, thanks for sharing.

Sagrika Shah

Co-Founder at Connexdoor || Fintech Investments

2y

A question that confused everyone, made so easy!! Loving the Fincuts. 💡💛

See more comments

To view or add a comment, sign in

Explore topics