2023年6月27日

業內專家強調了需要透明度、金融知識,發展效率fintech景觀蘇菲舒爾曼Calcalist金融創新會議上“我們正步入fintech最好的時期之一。有一個大的金融服務需求,市場達12.5萬億美元,其中fintech今天代表隻有四分之一的一萬億年,”諾姆Inbar說中提琴fintech VC合夥人在Calcalist麵板的金融創新會議在特拉維夫。“今天,有兩個引擎提供一個額外的推動fintech世界:開放銀行業和人工智能。”她指出,雖然經濟形勢是困難的今天,利率上升,“今天的公司生存下來,有一個穩定的基礎將成為真正的公司。”Inbar said that Viola intentionally reduced its rate of investments in 2021 due to high equity levels, but noted that today there are investment opportunities resulting from the macro environment, high inflation, and high interest rates. "Consumers who usually don’t delve into finances can’t afford to remain ignorant today. This creates a need for tools of transparency, financial knowledge, and management. In the business sector as well, there are technologies related to efficiency. Another indirect impact of inflation is on supply chains, and there is significant work that startups can do in that area," Inbar concluded. (Credit: Orel Cohen) Ohad Maimon, CEO of Hyp, a digital payments company that works with 65,000 businesses in Israel, said, "After years of focusing on growth, investors are now looking at profitability, and it's an excellent period for fintech because we have matured and become much more solid. The companies that will survive this current period are those that have a real business model." Related articles: Regarding Hyp specifically, Maimon noted that "the fact that the world is transitioning to digital payments does not mean that it becomes more organized. Many businesses that receive digital payments do not receive them properly, and they are losing millions of shekels each month. Not long ago, we identified NIS 12 million that were missing from a business in its annual cycle. Ironically, as we increase the number of payment methods, there is a risk of disorder. Furthermore, today we also provide a solution for working capital, and in the coming year, we will start offering credit to small businesses based on their invoices and future receivables." Tom Vaknin, Co-founder and CEO of Pay.com, said, "We’re unusual in the landscape because we haven't received financing from VC funds, but are part of the framework of Teddy Sagi's companies, which has already established several successful companies in the field. And yet, from the beginning we were focused on profitability and the business model. We recognize that businesses are looking for simplicity and speed, for payments to be as automated as possible. For example, we help businesses in the process of absorbing a new supplier, which via traditional tools can take up to a month, while with us it takes fifteen minutes." Oded Zahavi, Co-founder and CEO of Mesh, which helps international companies improve the efficiency of their financial systems, added: "In the past, it was possible to create a fintech company without too much technological depth and also raise money for it, but today it’s different. In our market, the vast majority of customers work with old systems that have existed for more than ten years and are based on the traditional banking system, so that in order to replace them, you need to bring significant technological value and create real disruption. The reality is complex. The music in the game of musical chairs has stopped and those who don’t find a chair will have to be sold or closed. But lest there be concern that 2023 is a bad year for fintech, changes are happening and in three years the world will be completely different for digital financial services." TAGS