{"id":31366,"date":"2023-05-08T22:14:33","date_gmt":"2023-05-08T22:14:33","guid":{"rendered":"https:\/\/scienceandnerds.com\/2023\/05\/08\/the-fintech-space-continues-to-be-competitive-and-drama-filled\/"},"modified":"2023-05-08T22:14:34","modified_gmt":"2023-05-08T22:14:34","slug":"the-fintech-space-continues-to-be-competitive-and-drama-filled","status":"publish","type":"post","link":"https:\/\/scienceandnerds.com\/2023\/05\/08\/the-fintech-space-continues-to-be-competitive-and-drama-filled\/","title":{"rendered":"The fintech space continues to be competitive and drama-filled"},"content":{"rendered":"

Source:https:\/\/techcrunch.com\/2023\/05\/07\/fintech-space-continues-to-be-competitive-and-drama-filled\/<\/a><\/br>
\nThe fintech space continues to be competitive and drama-filled<\/br>
\n2023-05-08 22:14:33<\/br><\/p>\n

\n

Welcome to\u00a0The Interchange<\/a>! If you received this in your inbox, thank you for signing up and your vote of confidence. If you\u2019re reading this as a post on our site, sign up\u00a0<\/em>here<\/em><\/a> so you can receive it directly in the future. Every week, we\u2019ll take a look at the hottest fintech news of the previous week. This will include everything from funding rounds to trends to an analysis of a particular space to hot takes on a particular company or phenomenon. There\u2019s a lot of fintech news out there and it\u2019s our job to stay on top of it \u2014 and make sense of it \u2014 so you can stay in the know. \u2014 Mary Ann<\/a> and Christine<\/a><\/em><\/p>\n

Busy, busy, busy<\/h2>\n

It was a busy week in startup and venture lands, and the fintech space was no exception.<\/p>\n

In the venture world, I reported on Peter Ackerson\u2019s departure from Fin Capital<\/strong> earlier this year and the fact that he has since started a new venture firm called Audere Capital<\/strong>. The circumstances around his departure remain fuzzy, but one source speculated that tension arose between Ackerson and Fin founding partner Logan Allin over some of the goings-on at alternative financing startup Pipe last year. More details here<\/a>.<\/p>\n

We also wrote about Tellus, a startup that raised $16 million<\/a> in an Andreessen Horowitz\u2013led seed round of funding last year that is now being scrutinized by the U.S. government. When I interviewed the company\u2019s co-founder, Rocky Lee, last year, I admit I was a little bit skeptical of any company that would bet on people agreeing to high-interest mortgage rates to upgrade their homes (think 9%!) and using customer savings deposits to fund such loans. When I asked Lee if this was risky, he admitted it was but insisted that Tellus utilized \u201cvery strict underwriting criteria\u201d and had not yet seen any defaults \u201cbecause the majority of its borrowers go on to soon refinance their loans at more favorable terms.\u201d Well, last week U.S. Senator Sherrod Brown, chairman of the U.S. Senate Committee on Banking, Housing, and Urban Affairs, wrote a letter<\/a> to FDIC chairman Martin Gruenberg expressing concerns about Tellus\u2019s claims. In that letter, Brown pressed the FDIC to review Tellus\u2019s business practices \u201cto ensure that customers are protected from financial fraud and abuse.\u201d In a twist, I discovered that Lee was married to a16z general partner Connie Chan (not sure if he still is). Neither he nor the venture firm commented on the senator\u2019s concerns but Tellus CEO\/CTO Jeromee Johnson did provide me with a statement via email. Read more here<\/a>.<\/p>\n

Infrastructure continues to be resilient, even in a downturn. This week alone, I wrote about two payments infrastructure companies making moves, and my colleague Ingrid Lunden wrote about Stripe\u2019s latest customer win. For starters, I covered Finix officially becoming a payments processor \u2014 a natural evolution really for a company that has slowly been expanding its offerings. In case you forgot, Finix is a startup that Sequoia backtracked on investing in after Stripe (an existing portfolio company) expressed concerns about being too competitive. (Finix got to keep its $21 million, though!) Now that it directly connects to all major U.S. card networks \u2014 American Express, Discover, Mastercard and Visa \u2014 and no longer relies on a third-party processor, Finix says it\u2019s able to offer businesses \u201cinstant onboarding, improved economics and opportunities for lowering interchange fees.\u201d I talked with CEO and co-founder Richie Serna<\/a> all about it, and why he thinks what Finix has built is different from what legacy players and Stripe have on the market. I also wrote about Liquido<\/a>, a Mountain View, California\u2013based startup aiming to be the \u201cStripe of Latin America,\u201d and more. Index Ventures\u2019 Mark Fiorentino led two funding rounds totaling $26 million into the company in 2021. Interestingly, prior to joining Index, Fiorentino helped build and lead business strategy and finance at Stripe from 2015 to 2019. And Ingrid wrote about Stripe landing Uber as a customer<\/a>, which was a bit unexpected considering that rival Lyft has been a longtime marquee customer of the company.<\/p>\n

And, last but not least, corporate card and spend management startup Brex announced last week a global expansion of its Empower product into new markets so that companies that are its customers now \u201ccan spend globally and operate locally\u201d in countries such as Brazil, Canada, Israel, Japan, Mexico, Singapore, South Africa, and the Philippines, as well as in 36 European countries. In an interview with TechCrunch, Brex co-founder and co-CEO Henrique Dubugras said that the company believes the move \u201cwill really open up TAM\u201d for Brex since so many existing and prospective U.S. clients \u201chave some sort of global operations.\u201d<\/p>\n

\u201cOne of the big problems that companies have when they operate globally is that they actually need to open up an account in all these different countries where they might have employees. It becomes really complicated to set up all your financial systems on a country by country basis,\u201d he added. \u201cNow, if you use Brex, you can actually operate as if you were a local company with a local card.\u201d<\/p>\n

In other words, companies using Brex that have employees who work in other countries are giving those workers the ability to use a corporate card freely in their home countries, while also giving the company the ability to pay the statements in local currency from the local bank.<\/p>\n

\u201cIt\u2019s something that we\u2019ve been trying to do for a while,\u201d Dubugras added, noting that insurtech Lemonade is a customer. \u2014 Mary Ann<\/p>\n

\"\"<\/p>\n

Image Credits:<\/strong> Brex<\/p>\n<\/div>\n

Other weekly news<\/h2>\n

Christine, Mary Ann and Natasha Mascarenhas teamed up to write about the collapse of First Republic Bank<\/strong>, speaking with tech founders and investors who had money in the bank about what happens next. We also spoke with an FRB competitor about what all of these startup bank collapses mean for business. More here<\/a>.<\/p>\n

Reports Carly Page: \u201cHackers have published a trove of sensitive data stolen from payment software company AvidXchange<\/strong> after the company fell victim to ransomware for the second time this year. AvidXchange provides cloud-based software that helps organizations automate invoice processing and payment management processes. A ransomware group called RansomHouse claimed responsibility for the recent cyberattack on AvidXchange.\u201d More here<\/a>.<\/p>\n

Christine wrote about the launch of former Bolt CEO Ryan Breslow\u2019s new company, Love<\/strong>, which is a wellness marketplace that features an initial 200 curated products, like supplements, health testing kits and essential oils, among such categories as reducing stress and gut health. All of the products on the site pass a set of compliance processes and reviews developed in partnership with clinical trials company Radicle Science, which Breslow said is unique to the company. More here<\/a>.<\/p>\n

British neobank Revolut <\/strong>launched in Brazil, its first country in Latin America, offering customers a global bank account and crypto investments, Silicon Republic reported<\/a>. The company already had a presence in the country after hiring Glauber Mota as the CEO of its Brazil business in March 2022. Alex Wilhelm and Anna Heim reported in April that Revolut \u201csaw its valuation decline by some 46% in the eyes of one of its backers<\/a>.\u201d More here.<\/a><\/p>\n

Tage Kene-Okafor reported on Fingo<\/strong>, a YC-backed Kenyan fintech, which launched a neobank \u2014 the first of its kind in the East African country, according to the company \u2014 in collaboration with Pan-African financial institution Ecobank Kenya. \u201cIt\u2019s taken a while for Fingo to get here since CEO Kiiru Muhoya and his co-founders James da Costa, Ian Njuguna and Gitari Tirima founded the Kenyan outfit in January 2021 to provide financial services that appeal to a fast-growing African youthful population that happens to be the youngest globally but the most financially marginalized. After a $200,000 pre-seed round, Fingo got into YC S21<\/a> and raised $4 million in seed funding toward the end of that year.\u201d More here<\/a>.<\/p>\n

Manish Singh reported that Paytm<\/strong>, India\u2019s leading mobile payments firm, reported a 13.2% surge in revenue to $285.7 million in the quarter ending March and pared its loss by 57% to $20.5 million \u201cin a sharp turnaround for the company that is increasingly trying to become profitable following a tremulous year and a half after its public debut.\u201d More here<\/a>.<\/p>\n

More headlines<\/em><\/p>\n

Apple and fintechs like Robinhood chase yield-hungry depositors as Fed rate hikes continue<\/a>. Similarly, Arta Finance, a company providing access to alternative assets<\/a>, debuted the Harvest Treasuries AI-Managed Portfolio<\/a>, which offers a 5.16% APY (annual percentage yield), and Wealthfront\u2019s cash account<\/a> now offers 4.55% for all clients and 5.05% APY for clients who refer a friend.<\/em><\/p>\n

Fintech projected to become a $1.5 trillion industry by 2030<\/em><\/a>, according to a new report from Boston Consulting Group and QED Investors<\/em><\/p>\n

Opendoor tech earnings beat by $0.77, revenue topped estimates<\/em><\/a><\/p>\n

Everee joins Visa\u2019s Fintech Fast Track Program with launch of Everee Visa\u00ae pay card<\/em><\/a><\/p>\n

Funding and M&A<\/h2>\n

Seen on TechCrunch<\/em><\/p>\n

African payment service provider Nomba raises $30M, backed by Base10 Partners and Shopify<\/em><\/a><\/p>\n

Bend is taking on Brex and Ramp with a green twist and a $2.5M seed round<\/em><\/a><\/p>\n

And elsewhere<\/em><\/p>\n

Digital wallet for insurance Marble bags $4.2M<\/em><\/a>. <\/em>Speaking about the raise to TechCrunch, CEO Stuart Winchester said via email, \u201cAmerican households are under a lot of financial strain right now, and insurance expenses are no small part of that. We will continue to put out features that make it easier to not only save money and maximize value, but also to reduce the mental load of managing multiple insurance policies. We expect to see the insurance industry in general adopt more of the consumer friendly features that we\u2019ve helped pioneer.\u201d<\/em><\/p>\n

Insurtech startup Novidea raises $50 million Series C<\/em><\/a><\/p>\n

Exclusive: Former Venmo COO raises $20M for Vera Equity<\/em><\/a><\/p>\n

Tarabut Gateway raises $32 million to expand Saudi open banking<\/em><\/a><\/p>\n

Music financing startup Duetti raises $32 million to buy old songs<\/em><\/a><\/p>\n

Billing platform Inbox Health raises $22.5M and more digital health fundings<\/em><\/a><\/p>\n

Google\u2019s VC firm just led a $12 million Series A investment in Range, a startup that\u2019s training AI to give financial advice<\/em><\/a><\/p>\n

OpenEnvoy raises $15 million to grow AP automation solution<\/em><\/a><\/p>\n

Miami-based startup Kiddie Kredit raises $1.4M with support from Dwyane Wade and Baron Davis<\/em><\/a><\/p>\n

Black-owned tech firm Greenwood acquires digital banking rival<\/a>. <\/i>TechCrunch covered Greenwood\u2019s last raise in March of 2021\u00a0<\/i>here<\/a>.<\/i><\/p>\n

\n

\"\"<\/p>\n

Join us at TechCrunch Disrupt 2023 in San Francisco this September as we explore the impact of fintech on our world today. New this year, we will have a whole day dedicated to all things fintech featuring some of today\u2019s leading fintech figures. Save up to $800 when you buy your pass now through May 15, and save 15% on top of that with promo code INTERCHANGE. Learn more<\/a>.<\/em><\/p>\n

\n

We are done for this week and it\u2019s a good thing because we are also TIRED! See you next week \u2014 same time, same place. Until then, take good care! xoxo, Mary Ann and Christine<\/p>\n

\"\"<\/p>\n

Image Credits:<\/strong> Bryce Durbin<\/p>\n<\/div><\/div>\n

<\/br><\/br><\/br><\/p>\n

Science, Tech, Technology<\/br>
\n<\/br>
\nSource:https:\/\/techcrunch.com\/2023\/05\/07\/fintech-space-continues-to-be-competitive-and-drama-filled\/<\/a><\/br><\/br><\/p>\n","protected":false},"excerpt":{"rendered":"

Source:https:\/\/techcrunch.com\/2023\/05\/07\/fintech-space-continues-to-be-competitive-and-drama-filled\/ The fintech space continues to be competitive and drama-filled 2023-05-08 22:14:33 Welcome to\u00a0The Interchange! If you received this in your inbox, thank you for signing up and your vote of confidence. If you\u2019re reading this as a post on our site, sign up\u00a0here so you can receive it directly in the future. Every week, […]<\/p>\n","protected":false},"author":1,"featured_media":31367,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"pagelayer_contact_templates":[],"_pagelayer_content":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[26,17,8],"tags":[],"class_list":["post-31366","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-science","category-tech","category-technology"],"yoast_head":"\nThe fintech space continues to be competitive and drama-filled - Science and Nerds<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/scienceandnerds.com\/2023\/05\/08\/the-fintech-space-continues-to-be-competitive-and-drama-filled\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The fintech space continues to be competitive and drama-filled - Science and Nerds\" \/>\n<meta property=\"og:description\" content=\"Source:https:\/\/techcrunch.com\/2023\/05\/07\/fintech-space-continues-to-be-competitive-and-drama-filled\/ The fintech space continues to be competitive and drama-filled 2023-05-08 22:14:33 Welcome to\u00a0The Interchange! 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