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
Tanya Thourani, loving these Fincuts! A holistic view indeed.
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.
I would welcome a list of fintechs that make more money than they spend.
Very informative to say the least
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:-)
Loved it Tanya, thanks for sharing.
A question that confused everyone, made so easy!! Loving the Fincuts. 💡💛
Professional Board Member & Strategic Advisor
2yThank you for sharing, Tanya Thourani. We will see which business model is really sustainable ... for now this is still unclear ...