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Zach
@zach
2024 Fintech Predictions! 1. Real-time bank payments gets its first major use case. At least one major retailer will put FedNow and RTP to the test. Remains to be seen if the systems will be able to scale to keep up.
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Zach
@zach
2. What’s old is new again. Mint shutdown drives new innovation in personal financial management. The last two months have brought a huge number of signups to other PFM products, most of which are paid. With more adoption comes new opportunities for these PFM’s and others.
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Zach
@zach
3. Open banking rules come to the US. Not much of a prediction given how far along the process is, but we will finally get the rules that have been talked about for years.
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Zach
@zach
4. Fintech ads are back. After 2 years of cutting marketing budgets, we’ll see fintechs re-invest in growth. Not as many superbowl ads as 2022 though…
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Zach
@zach
5. Lots of fintech Series A’s and B’s. In 2022 and 2023, much of the fintech investment activity was concentrated on seed. As these early-stage companies mature, we will start to see Series A’s and B’s occur more frequently. Late stage fintech financing will continue to be challenging.
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Zach
@zach
6. Bitcoin moons again. Maybe in 2024. Maybe in 2025. But soon enough. Also expect to start to see a mainstream stablecoin use case emerge in 2024.
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