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52#FINTECH ©2016 KPMG International Cooperative The Pulse of Fintech, 2015 in review

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52#FINTECH
©2016 KPMG International Cooperative (“KPMG International”), a Swiss entity. Member firms of the KPMG
network of independent firms are affiliated with KPMG International. KPMG International provides no client
services. No member firm has any authority to obligate or bind KPMG International or any other member
firm vis-à-vis third parties, nor does KPMG International have any such authority to obligate or bind any
member firm. All rights reserved.
Second straight year of $1B+ investment in European fintech
European VC investment in fintech hit $1.5 billion in 2015, making it
the second year in a row that fintech companies have achieved over
$1 billion in funding in the region. While Europe represents a smaller
amount of VC investment than North America or Asia, the significant
growth year-over-year suggests that fintech interest is increasing
rapidly.
Part of Europe’s fintech challenge historically has been the ability to
grow businesses to scale. With a wide variety of cultures, languages
and regulatory environments – the ability to grow startups is
somewhat hindered. This has been slowly easing as a result of
growing collaboration aimed at reducing regulatory barriers and
increasing banking sector efficiencies across Europe. Initiatives like
the Single Euro Payment Area, the Payment Services Directive 2
and the promotion of a single digital market are helping to create a
stronger environment for fintech companies to thrive in the future.
While regulatory issues are being addressed, individual countries
are working to create and foster fintech ecosystems with the belief
of the sector’s massive potential. Business accelerators and
incubators – such as the Copenhagen Fintech Innovation Research
Association, Holland Fintech, Fintech France and Level39 in London
are working to not only foster fintech companies, but to increase
collaboration across the fintech space in Europe.
Late-stage deal size grows in Q4
Somewhat unexpectedly, average late-stage deal size grew in
Europe in Q4, reaching a 5-quarter high of $18.6 million and making
the third straight quarter where average deal size topped $15
million. This highlights a growing trend toward late-stage financings
– a fact that bodes well for European fintech. As fintech becomes
more prevalent in Europe, late stage financings may continue to
grow in size.
Corporate participation in fintech minimal in Europe
When it comes to VC investment in fintech in Europe, corporates
account for only a very small portion. In fact, for 4 of the last 5
quarters, corporates accounted for under 15 percent of all fintech
deals – much less than in North America and in Asia. Q4 saw
corporate investment in fintech sink to a new low of 10 percent. This
lack of involvement of corporates could reflect banks’ focus on other
major monetary issues in Europe beyond technology innovation.
Shifting the view – fintech as an enabler
It is only in the last year or so that some major banks have begun
looking to fintech as potential enablers of change within their own
organizations. Many of the big banks in Europe have ringfenced
funds to invest in fintech, although those funds have been slow to
flow as banks work out related governance issues. At the same
time, some banks are going with different models, becoming
customers of fintech companies rather than investors in those
companies. In these cases, funding to fintech may be flowing
through their digital spend rather than through their VC arms.
Looking ahead
Over the next few years, fintech investment is expected to continue
to grow in Europe, with corporate investors potentially taking more
interest as other monetary and macroeconomic issues in Europe
settle down. At the same time, insurance-tech as an industry is likely
to grow, with many insurance companies in Europe ripe for the
same levels of transformation as banking.

Publicado en: Tecnología, Empresariales
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