CB-Insights_Fintech-Trends-2019.pdf

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Slide Number 1

Slide Number 2

“We use CB Insights to find emerging trends and interesting companies that might signal a shift in technology or require us to reallocate resources.”

The CBI Community — Membership Has Benefitsevents.cbinsights.com

Slide Number 5

Summary of findings

Slide Number 7

Slide Number 8

First, a look at what happened in 2018…

Global fintech investment tops $39B in 2018

Ant Financial’s $14B investment accounted for 35% of total funding in 2018

VC-backed fintech deals declined in Q4’18 but remain above 2017 levels

North America is no longer powering global fintech funding growth

Deals grew in every market except Europe in 2018

Early-stage fintech deal share falls for the 5th year

39 FINTECH UNICORNS $147.37 BILLION

39 fintech unicorns valued at $147.37B

16 fintech unicorn births in 2018

2018: 52 fintech mega-rounds total $24.88B

A third of global fintech deals include a CVC

Traditional hubs no longer power fintech growth

Slide Number 22

Slide Number 23

Slide Number 24

The battle for deposits

Fintech firms look for their second act

Fintech moves from mono-line to multi-line

Banking-as-a-service platforms facilitate US fintech companies to expand to bank accounts

Abroad, fintech firms are looking to build their own chartered banks

The battle for distribution will start with deposits

Fintech firms up focus on regulatory compliance

Emboldened regulators globally are…

Regulators are upping oversight on bad actors, issuing massive “unicorn” level fines

Regulators are increasing their scrutiny of high-profile consumer fintech challengers

“I disagree with the statement that these funds are protected by SIPC. Had they called us, I would have told them what I just told you in that I have serious concerns about this. This has gigantic ramifications for the banking industry.”

But regulators have also lowered barriers

As tech startups take advantage of open banking access, they will need in-house regulatory teams

Southeast Asia sees hotbed of fintech activity

Fintech in Southeast Asia is heating up with record year for deals and funding, up 143% YOY

Southeast Asia fintech startups are attracting bigger financings and foreign investors

Ant Financial is becoming more aggressive in expanding its reach in Southeast Asia

Ride-hailing platforms may end up as biggest fintech winners in Southeast Asia

The next Ant Financial & WeChat Pay

QR codes are the entry point to digital payments

Alipay and WeChat Pay are leading China’s transition to a cashless economy

Fintech is powering the growth of MercadoLibre in Latin America

Line is looking to build an ecosystem resembling Alipay/WeChat Pay in Japan

Grab and Go-Jek have emerged as leading mobile payments players in Southeast Asia

Unbundling the paycheck

Household debt balances have accelerated and total over $13 trillion

First, startups went direct to consumer to head off debt

Fintech firms are unbundling the paycheck to alleviate and prevent predatory debt

Startups are partnering with employers to offer salary linked benefits

Slide Number 54

New investment platforms and asset classes

Fintech is democratizing investing

Alternative investment apps will continue to rise in prominence among next-gen investors

New investment models will be created to open up markets and create asset classes

Startups borrowing existing biz models to open up real estate investing to retail investors

Fintech meets reale state

Slide Number 61

Mortgage debt dwarfs all others categories

First, fintech startups digitize the mortgage lifecycle and created alternative lending platforms

As home values rise, fintech is moving into home equity

And abstracting away the mortgage as startups look to make cash offers for home buyers

Rent-to-buy: Startups look to enable gradual home equity ownership

Fintech is integrating home insurance deeper into the home buying process

Startups look to disrupt the $15B title insurance market

Rise of impact fintech

“Going green” is not new, but there is renewed demand driving how ESG scales

Impact investing and ESG are on the rise

Global sustainability goals will be top of mind for policy makers, but measuring progress is subjective

Quantifying progress and impact is subjective because there is no “gold standard” of green data

Slide Number 74

With $30T from the ‘great wealth transfer,’ millennials will expect choices that have a positive ROI & impact

The first layer of impact fintechs are establishing green data credibility for financial services firms

The next layer of impact fintech will establish credibility with next-gen investors, ahead of wealth transfer

Lack of fintech M&A by banks continues

Slide Number 79

2018 saw banks launch a wave of digital products

But while banks continue to embrace mobile banking…

..incumbents still miss on mobile UX/UI, a key to acquiring and engaging next-gen customers

Banks will remain trigger shy on acquisitions

No-go for fintech IPOs

2018 started the year with 25 unicorns valued at $75.9B

Despite hype, only three fintech unicorns went public

Adyen makes record public debut in Europe

Alternative lenders ‘bear’ market volatility

Record fintech mega-rounds will likely delay IPOs

Slide Number 90

2018 global fintech year-in-review

$11.89 BILLION 659 DEALS

US fintech funding hits 5-year high as $100M mega-rounds tops record

Slide Number 94

$22.65 BILLION 516 DEALS

Fintech funding in Asia spikes to $22.6B on the back of $14B Ant Financial investment

$3.53 Billion 367 DEALS

Fintech deals in Europe level off, as funding hits $3.5B in 2018

Slide Number 99

Slide Number 100

Top 11 global fintech deals in 2018

The most active fintech VCs in 2018

The most active fintech VCs in 2018 (continued)

Methodology

Slide Number 106

Switch.pdf

Traditional hubs no longer power fintech growth

W H A T I S C B I N S I G H T S ? CB Insights is a tech market intelligence platform that analyzes millions of data points on venture capital, startups, patents, partnerships and news mentions to help you see tomorrow’s opportunities, today. CLICK HERE TO LEARN MORE 1

T R U S T E D B Y T H E W O R L D ’ S L E A D I N G C O M P A N I E S “We use CB Insights to find emerging trends and interesting companies that might signal a shift in technology or require us to reallocate resources.” Beti Cung, Corporate Strategy, Microsoft 2

The CBI Community — Membership Has Benefits events.cbinsights.com I N D U S T R Y - S C A L E S U M M I T S P E E R - T O - P E E R N E T W O R K C L I E N T - O N L Y E V E N T S DEMO DAY 3

June 11 - 13, 2019 New York, NY events.cbinsights.com/future-of-fintech @ s s #FutureFintech 4

Summary of findings 2018 VC-backed fintech deals and funding set an annual record: In 2018, VC-backed fintech companies raised $39.57B across 1,707 deals globally. Deals were up 15% year-over-year while funding surged 120% on the back of 52 mega-rounds ($100M+) worth $24.88B combined. Fintech is happening on global scale with deals outside of core markets (US, UK, and China) accounting for 39% of deals: Fintech deal hubs are starting to emerge globally. The count of unique fintech startups raising funding topped an annual high of 1,463 companies, and the unique number of investors reached 2,745 boosted by an influx of corporate investors. Early-stage deals, as a percentage, fell to a 5-year low as investors concentrated bets in perceived winners: Global seed and Series A fintech deals grew 5% on an annual basis in 2018, but fell as a percentage of total deals to 57%. US early-stage deals were flat YOY as investors concentrated their bets in established fintech unicorns. There are 39 VC-backed fintech unicorns worth a combined $147.37B: Q4'18 saw five new unicorns births (Plaid, Brex, Monzo, DevotedHealth, and Toss) and two in the first month of Q1’19 (N26 and Confluent). The cohort’s total valuation in 2018 was boosted by a record year for mega- rounds to existing unicorns, including Gusto and Robinhood, among others. Fintech mega-rounds continued in Q4’18, while IPO activity is likely to remain lackluster in 2019: 2018 saw a whopping 52 $100M+ financing deals to VC-backed fintech companies – including 14 in Q4’18 worth $3.8B. Asia made a run at the US as the top market for fintech with a surge in early-stage and mega-round investments: Asia saw the biggest boost in deals, growing 38% YOY and a record level of funding raising $22.65B across 516 deals. Political and trade war tensions may have caused some of the pull back in H2’18, but 2019 could see Asia overtake the US. The US remained the top market for deals with 659 investments worth $11.89B funding, both a new annual high: Europe saw a pull back in deals to 367 deals but funding topped $3.53B, an annual record. South America reached a turning point in the eyes of investors in 2018, despite political turmoil across the region: South America saw funding top $540M across 55 deals, both a new annual record. In H2’18, investors started to pull back in the region as social, political, and monetary conflicts struck the region. Despite strain, Brazil-based NuBank, became South America’s first unicorn and closed out 2018 with a $90M investment from Tencent. Note: Report focuses on all equity rounds to VC-backed fintech companies. This report does not cover companies funded solely by angels, private equity firms, or any debt, secondary, or line of5 credit transactions. All data is sourced from CB Insights.

Contents 8 2018 Financing Trends 9 0 Appendix: Annual Deals & Dollars Regional Trends Fintech Unicorns 2 1 2019 Trends To Watch How we did in 2018 What to watch for in 2019 Where investors are placing bets in fintech Which markets will see fintech emergence How incumbents will act 2018 Top VC-Backed Fintech Deals 2018 Most Active Fintech Investors 6

WHAT THIS REPORT COVERS Payments processing, card developers, & subscription billing software tools Companies selling insurance digitally or providing data analytics and software for (re)insurers Tools to manage bills and track personal and/or credit accounts Audit, risk, and regulatory compliance software REGTECH BLOCKCHAIN/ CRYPTO LENDING Companies leveraging blockchain technologies for financial services Marketplace lending & alternative underwriting platforms PAYMENTS/ BILLING INSURANCE CAPITAL MARKETS PERSONAL FINANCE WEALTH MANAGEMENT MONEY TRANSFER/ REMITTANCES MORTGAGE/ REAL ESTATE 2019 FINTECH TRENDS REPORT Sales & trading, analysis, and infrastructure tools for financial institutions Investment and wealth management platforms and analytics tools International money transfer and tracking software Mortgage lending, digitization, and financing platforms 7

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