2023-12-24-毕马威-2023上半场年金融科技报告_55页_3mb

报告摘要

Fintech funding decreased globally from $63.2B in H2’22 to $52.4B in H1’23 due to economic headwinds (inflation, high interest rates) and market uncertainty.
Americas drove much of the remaining $36B fintech funding globally, surpassing prior regional totals.
$1.7B invested in ESG-focused fintech, exceeding 2022 levels.
M&A activity slowed but deal volumes peaked due to lower valuations, benefiting acquirers.

Payments sector remains a top performer with $16B funding, fueled by consolidation and infrastructure investments.
AI integration, especially generative AI in cybersecurity and wealthtech, is rapidly gaining traction and attracting corporate focus.
Insurtech and Wealthtech investing softened due to macro pressure, though ESG and B2B solutions see niche opportunity.
Crypto and blockchain funding decline amid tighter regulations, shifting focus to utility token applications in trade finance and supply chain traceability.

Americas: Strongest capital inflows, with US dominance continued through Coupa acquisition ($8B) and Stripe funding ($6.9B).
EMEA: UK leads with regulatory shifts fostering open banking, while blockchain sandbox initiatives gain momentum.
ASPAC: Notable growth in Vietnam, India, and China, especially in cross-border payments and consumer lending.

Short-term subdued activity expected barring policy shifts or economic stabilization.
Recovery likely if rate trends stabilize—M&A expected to pick up, AI-driven services offered more flourishing potential.
Collaboration between incumbents and fintechs will become more critical for resilient strategies.

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