like, for fintech companies, and especially the ones who, like us, had credit risk exposure the past three years were an interesting environment, right, where what, investors wanted to see and what th

Equity

We've entered an era of Fintech Maximalism according to Mark Goldberg

...fintechs. And I said, are you a fintech founder? And they said, no. No. No. I'm an AI company. I just happen to sell into this market. So it's an interesting inflection point where if you look back over the journey, fintech went from being narrow to

through the market? Yeah. I mean, an easy one is a lot of cross border companies. I mean, Wave has done incredible an incredible job here, Tap Tap Send. These companies, for obvious reasons, have don

a16z Podcast

The Rise, Fall & Reset of The Fintech Industry

fintech winter was the 2022, most of '23, and '24 things started to thaw a little bit. And, like, now we're very much back into spring. Yep. Different format, but it's been a fun cycle of the seasons, totally. I think you can describe maybe what drov

a16z Podcast

The Rise, Fall & Reset of The Fintech Industry

...fintech was a start up industry. Having gone through this entire cycle, yeah, some ups, some downs, but a lot of maturation, a lot of expansion. We've ended now with fintech is, in my opinion, synonymous with financial services. I agree. And it goes

So why is that? Lucas for a while to figure out, but the trick is that I think a lot of people start to build in a bit naive view, naive view in a way that they think about like most of investments go

and hard to differentiate, but you guys are succeeding. You raised a lot of money building an amazing team. So tell us a bit more about Lightyear and the journey and and how much you've raised through

they would need to build what is akin to an infrastructure for payments through which they would then connect their payment service providers in aid of providing the best payment experience to their t

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We've entered an era of Fintech Maximalism according to Mark Goldberg

...ecosystem. There's more infrastructure to build in this category with companies like Plaid, Analytic, Persona, Unit. Many of the building blocks are there to build. You see large scale M and A, the bridge transaction with Stripe at the end of last ye

...Many fintechs today own the customer relationship, but don't own the full financial stack. That gap often gets resolved by acquisition, not dominance. They should influence how you pitch, how you price, and how you think about your end game. Now we'r

...It stood for a bigger idea. Startups could bypass traditional banks. Better UX could replace legacy institutions. Fintechs could become full financial platforms. So an exit to Capital One isn't just an outcome. It's a reversal of that original thesis

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Sheel Mohnot says the fintech market is ‘hot again’

...fintech world. No doubt. Founders, when you're building a tech startup, your domain should signal that from day one. That's why hundreds of thousands of startups are choosing dot tech domains. Whether you're launching an AI tool, a SaaS platform, or

And I always think about it as, you know, most of us remember the eBay era, and then it kinda moved to Amazon. And part of why that happened was because the quality of eBay started to go down. And so