Survival of the Fittest: proven business models, profit focussed, who knew?
Security & Fraud: if 2022 taught us anything, this is you should be prioritising CAPEX in 2023.
Normalized funding rounds and valuations: 2021 was a mistake, let’s just forget it happened and move on.
Big Tech Vultures: off the back of Fintech’s validating products, Big Tech swoop in and replace or acquire capability.
AI (*cough* ML): plays a prominent role in new products and experiences.
BaaS Consolidation: It’s Highlander time for providers and NEO’s, how many do we really need?
BNPL Evolution: not revolution, times’ changing.