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Any predictions for Fintech 2022? What do you expect to see?

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A lot more investment in alternative investments, more of a push to decentralized finance e.g. Blockchain, and more tech focused on robotic financial investment (more of a push to building your own index fund vs typical ETFs).

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In the Third World especially Africa, we should see open systems with API integration to encourage any to any payments across the Continent. I make a payment in Kenya in Shillings to a Merchant in Liberia who takes Dollars. Payments should be completed on less then a Min with out error.

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Tech (Blockchain specifically) based financial payment processing for sure. Flexa is already making great headway with fiat/crypto purchases and they are currently doing it in seconds with fraud protection. Exciting stuff

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1. Open banking/RTP systems continuing to proliferate. Ruling on open banking in the US (S1033 Dodd-Frank) 2. More web3/DeFi startups and couple high profile failures (pump and dump, security breach) 3. More consumer facing financial services super apps in the US (following PayPals lead) 4. Acquirers/payment processors going beyond payments and providing more BaaS services to become the merchant facing financial services super "app' 5. Consolidation in the BaaS provider market 6. Multinational banks selling off footprint in peripheral markets. Consolidation amongst mid market FIs and credit unions 7. BNPL firms slowing down to high single digit growth 8. US neobank slow down 9. Aggressive payments expansion by Meta/WhatsApp/Novi

Love it. Always good to hear other folks’ take on the neobank. Having worked for neobank for the last couple of years, here are my two cents: 1. Neobanks’ value prop make them attractive to the subprime segment. It’s very difficult to break out of that segment. It’s possible, but at an expensive distribution cost. (When narrowing the target segment, distribution cost goes up, I tried) 2. Because of #1, neobanks need to learn how to deal with operational losses early on or interchange revenue alone won’t be profitable. 3. Agreed that soon most neobanks and traditional banks will compete with the same/similar set of value props. 4. adjacent financial services app weren’t able to transfer their value prop into the banking sector. Ie. robinhood’s cash management account. No specific value prop, just distribution advantage. This was fun!

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In 2022, there will be a lot of talk about the future of fintech. This includes implementations in agriculture, energy, and manufacturing industries. I think that Blockchain technology will be central to this success. It will store data in an immutable way and make it possible for all stakeholders to see what’s happening in real-time. This technology has been used for cross-border transactions, which would be even more efficient when applied to specific industries such as agriculture and energy. In addition, AI technologies could lead to advances and increase the Blockchain capabilities with the benefits of greater security for both parties in a transaction and transfer of funds.

crypto security will flourish as will digital transformation platforms for retail and commercial banking - look at alt lending as well

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