Finch Capital：2024年度欧洲金融科技状况报告（英文版）（37页）.pdf

1、State of EuropeanFinTech 2024UK Dominates,Midsized M&A Thrives,and Funding Crisis Spurs SustainabilityIntroductionWelcome to Finch Capitals 9th edition of the State of European FinTech report in which we further examine the growing influence of FinTech in Europe.As previously,we continue to focus on

2、 macro levers in FinTech in Europe including exit dynamics,valuation,funding growth as well what we believe our key trends for the next year.Our report is structured as follows:1.State of European FinTech,2.State of FinTech in Key European Countries and 3.8 Trends Shaping FinTechIt continues to be a

3、 challenging operating environment for all players in the ecosystem,although we are starting to see some green shoots.This was another year of contraction,but there is light at the end of the tunnel particularly in the exit market.It is crucial to be aligned with the potential buyer universe(strateg

4、ic or private equity)particularly in terms of valuation and structure as we come out of this reset.More emphasis is now placed on profitability than revenue growth with the European low to mid-market M&A ecosystem starting to thrive.While funding might seem to be dropping,it is a function of the har

5、d work companies went through last year in getting close to breakeven.Finch Capital partners with ambitious founders in financial and business technology verticals by backing teams to build and grow capital efficiently.We invest 5-15m in companies generating 2-15m in ARR.We help accelerate the path

6、to profitable scale by allowing founders and team to maintain control and provide liquidity for certain stakeholders as well.Weve invested in 50 companies including Fourthline,Goodlord,eFlow,ZOPA,AccountsIQ,NomuPay and Lavanda.Finch Capital consists of a team of 12 investment professionals with wide