Fintech Investment Trends: Waiting for the Next Wave

The widespread pullback from fintech investment in 2023 is gone as the payments space plunges deeper into 2024, but the priorities have shifted. New and emerging fintechs are focused on different business opportunities, while leveraging different business models and revenue sources, than the previous generation of consumer-facing companies. The fintech investment market is more about prioritization than cutbacks this year. Some of the roles formerly played by startups have more or less permanently shifted to incumbents as digital experiences have become table stakes and previous rounds of acquisition have brought capabilities in-house. 

This Javelin Strategy & Research report looks at where fintech investment is headed this year and beyond, with a specific emphasis on the continuing flourishment of generative AI, rising needs for regulatory tech and compliance solutions, and applications of embedded finance.

Key questions discussed in this report: 

• What are the key trends in fintech investing in 2024? 
• What is the state of the investing market in fintech for 2024? 
• Where will innovations emerge in fintech?

Companies Mentioned: 

Affirm, Afterpay, Alloy, Amazon, Apple, Cable, Chase, Clover, Frank, FTX, Google, Greenlight Financial, HMBradley, Hummingbird, H&R Block (Spruce), Klarna, Mastercard, Microsoft, MoneyLion, Pathward fka MetaBank, PNC Bank, Sardine, Square, Starling Bank, Toast, Unit21, USBank, Visa, Wirecard