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Survey of a maturing US fintech landscape

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Survey of a maturing US fintech landscape

More than $7.5 billion in private investments has poured into a maturing U.S. fintech ecosystem in 2018. Fintech companies are increasingly expanding out of prior niches and shedding the "disruptor" tag by partnering with incumbent financial institutions. Meanwhile, the incumbents are investing in their own technological capabilities.

S&P Global Market Intelligence's 2018 US Fintech Market Report offers an overview of important themes across the sector and examines specific areas of fintech activity including asset growth potential in the robo-advisory space, partnerships between banks and digital lenders, and new use cases for digital payment services.

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Click here to read the full 2018 US Fintech Market Report.

Insurtech

The insurtech space has seen a remarkably high degree of collaboration between startups and incumbents. Insurtech startups, many of which are relatively young, have tended to partner early rather than try to compete directly with insurance underwriters. However, some insurtech companies have opted for a different route, vertically integrating into full-stack insurance companies and vying for business independently.

Insurtech report shows startups trying to change the distribution channel

2018 US Insurtech Market Report

Digital investment management

The future is uncertain for many robo-advisers as larger asset managers and banks dominate the market. However, consumer appetite for these services is growing — S&P Global Market Intelligence estimates that robo-adviser assets under management are on track to top $600 billion by year-end 2022.

For more startups, retail robo is a no-go

Digital lending

Digital lenders are getting more involved on the partnership front. Startups that previously focused on independent originations are increasingly providing their technology to banks. S&P Global Market Intelligence expects this trend to continue in the face of a compelling strategic case for combining cutting edge technology with bank funding advantages. However, digital lenders are by no means simply abdicating to banks. Several prominent digital lenders are actively expanding into new services for both lending and non-lending customers.

US digital lenders set for low double-digit origination CAGR through 2022

2018 US Digital Lending Market Report

Payments

Mobile payment providers have integrated with bank-based payment infrastructure to facilitate person-to-person transfers and digital commerce. Payment-focused fintech companies have also been integrating with each other and expanding into other business lines. The growth of the P2P market has been especially rapid, and banks responded by launching their own digital payment network, Zelle. S&P Global Market Intelligence's mobile banking and payments surveys offer further insight into consumer demand for such services.

US mobile payments survey shows banks still trying to catch PayPal

US mobile banking survey participants increasingly hooked on payments

US mobile payments survey shows cryptos are a 'token' activity

Digital banking

A great mobile banking experience can improve customer satisfaction and give banks a necessary edge in the battle for core deposits. But now that having a feature-rich, user-friendly mobile experience is no longer optional, the landscape is shifting again. Banks are experimenting with integrating their services into a device-agnostic, seamless digital ecosystem.

2018 US mobile banking report shows appetite for AI, continued app feature push

2018 US Mobile Banking Market Report

Blockchain

The media frenzy around crypto seems to have subsided as major cryptocurrency valuations suffered in 2018. Meanwhile, technical issues, legal ambiguity and use case concerns remain a headwind for adoption of the underlying blockchain technology. However, corporations, financial institutions and investors continue to show interest in blockchain's potential.

Look outside the US for insurance blockchain projects

2018 US Financial Services Blockchain Market Report