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Fintech Futures
OverviewJuniper’s Fintech Futures research provides a detailed overview of how Fintech is disrupting and being integrated into the financial services industry, with technologies such as AI (artificial intelligence) and blockchain leading to new and increasingly efficient solutions.  
The research analyses the different segments of financial services that Fintech is disrupting, with assessment of the opportunities available for vendors and FIs (Financial Institutions) and the strategies being adopted by market incumbents. As well as giving detailed regional analysis of Fintech readiness and regulatory frameworks, the research also includes insightful player analysis, giving an overview of the vendors involved in the Fintech sector. Based on these elements, the research suite identifies recommendations for key stakeholders in the industry to inform strategic planning.
The research includes:
  • Deep Dive Strategy and Competition (PDF)
  • Deep Dive Data and Forecasting (PDF & Excel)
  • Executive Summary & Core Findings (PDF)

Key Features

  • Analysis of Fintech Segments: Investigates key segments for Fintech, assessing Fintech’s impact and the reaction of the market incumbents in the following areas:
    • Banking, payments and money transfers & remittances;
    • Lending and Financing;
    • Insurance;
    • Wealth Management;
    • Regulatory Compliance.
  • Regional Analysis: Understand the key markets for Fintech, what regulatory frameworks are in play and what efforts have been made to encourage and incentivise Fintech growth. Includes analysis of:
    • Fintech readiness in key markets;
    • Regulatory frameworks in key markets;
    • Suitability and comparison of locations for Fintech start-ups;
    • Key trends and constraints influencing the sector;
    • Strategic recommendations for stakeholders in this space.
  • Benchmark Industry Forecasts for the revenue opportunity for platform providers, broken down by the following segments:
    • Payments & banking;
    • Lending & financing;
    • Insurance;
    • Wealth Management;
    • Regulatory Compliance.
  • Interviews: with leading players across the fintech landscape, including: 
    • BIMA
    • GoCardless
    • Kabbage
    • Lemonade
    • LendUp
    • Moneybox
    • Onfido
    • Square
    • Syndicate Room
    • Tradle
  • Juniper Leaderboard: 13 leading Fintech vendors compared, scored and positioned on the Juniper Leaderboard matrix.

Key Questions

  1. Which segments of Fintech are best positioned to disrupt traditional financial services?
  2. Which regulatory approaches are working best to drive Fintech innovation?
  3. In what ways are Fintech vendors innovating and differentiating themselves from others in the market?
  4. How are incumbents responding to the threat from Fintech disruptors?
  5. What is the revenue opportunity in the Fintech space and what will it be up to 2022?

Companies Referenced

Interviewed: BIMA, GoCardless, Kabbage, Lemonade, LendUp, Moneybox, Onfido, Square, Syndicate Room, Tradle.
Profiled: Bankable, BIMA, ebankIT, GoCardless, Kabbage, Kantox, Lemonade, LendUp, Moneybox, Onfido, Square, Syndicate Room, Tradle.
Case Studied: AQMetrics, Atom, Betterment, Facebook, Snapsheet.
Mentioned: Aberdeen Asset Management, ABN Amro, Abra, Adyen, AER, Aetna, AIA, Airbnb, Alchemedia, Alibaba, Allianz Ventures, Alphabet, Amazon, Ant Financial, Apple, ARCCOS, Arkea Banking Services, ASIC (Australian Securities & Investments Commission), AssetVault, Assure Hedge, Atlanticus, Atos, Auctomatic, Avant, Avox, AXA Strategic Ventures, Axiata, Azimo, Bangladesh Central Bank, Bank of America, Bank of Nova Scotia, Barclays, BBVA, Beekin, Berkshire Hathaway, Billon, BitX, BlackRock, bpifrance, Braintree, Capital One, Cazenove, CFPB (Consumer Financial Protection Bureau), Charles Schwab, China Pacific Insurance, CIRC (China Insurance Regulatory Commission), CircleUp, Citibank, Clarient, Clifford Chance, Coinbase, ComponenteServiex, Couchsurfing, CRBC (China Banking Regulatory Commission), Credit Suisse, CS Corporate Advisors, CSA (Canadian Securities Administrators), Deloitte, Deutsche Bank, Digicel, DigitalGenius, Dwolla, eBay, Elliptic, Ensek, Epiphyte, ESMA (European Security & Markets Authority), Etsy, European Central Bank, Experian, EY, Far Eastern International Bank, FCA (Financial Conduct Authority), Feedzai, Fenergo, Fintech Innovation Lab, Fitbit, FSA (Financial Services Agency of the Japanese Government), Fukoku Mutual Life, Funding Circle, FutureAdvisor, GetYourGuide, GoBank, Goji, Goldbean, Google, Grameen Foundation, GuiaBolso, HSBC, IBM, ICBC, Information Builders, ING, iWay Software, iZettle, John Hancock, JPMorgan Chase, Juggle, Junifer, Kartuku, KashFlow, KPMG, Lablz, LendingClub, Liberty Mutual, Linio, Lloyd’s of London, Lloyds Banking Group, Mapan, MarketInvoice, MAS (Monetary Authority of Singapore), Mastercard, McKinsey & Company, Metro Bank, Metromile, Microinsurance Network, Microsoft, Modalku, Moneyhub Enterprise, Monzo, M‑Systems, Munich Re/HSB Ventures, MyCheck, N26, Neos, Nivaura, Nomanini, NoviCap, Nubank, Nuggets, Nutmeg, NVIDIA, nViso, Oraclize, Oscar, Oval, Parmenion, Paydiant, Payoneer, PayPal, Perpetual Guardian, Personal Capital, PIMEC, Powermat, Prosper, PwC, QuickBooks, Rabobank, Rakuten, Ratesetter, RBI (Reserve Bank of India), Recordsure, Remitly, Revolution Money, Ripple, RiskMS, Royale Oceanic, Saffe, Sage, Salesforce, Samsung, SanDisk, Santander, Scalable Capital, Scotiabank, SETL, Signatur, Simplesurance, Snapchat, Société Générale, SoftBank, Spectrum Value Partners, Spendesk, Standard Chartered, Starling Bank, Stripe, Suade, Swave, SWIFT (Society for Worldwide Interbank Financial Telecommunication), Swift Financial, Sybenetix, Tax&Advise, Tencent, Tesco, Thomson Reuters, Tigo, TIO Networks, Touchtech, Tramonex, TransferWise, Trov, Trulioo, Uber, UBS Securities, Urbien, USAA, Utiligroup, Value Partners, Venmo, Visionary Systems, Vitality, Wag, Walmart, Wealthfront, WeChat, Wells Fargo, Western Union, Wonga, World Bank, Worldpay,, Xero, XL Catlin, Xoom, Yahoo, Zhong An, Zipcar, Zopa, Zynga.

Data & Interactive Forecast

Juniper’s Fintech Futures forecast suite includes:
  • Country level data splits for:
    • Canada
    • China
    • Japan
    • South Korea
    • India
    • UK
    • US
    • France
    • Germany
    • Plus 8 key global regions
  • Revenue opportunity for platform providers, split by Fintech segment:
    • Payments & banking;
    • Lending & financing;
    • Insurance;
    • Wealth Management;
    • Regulatory Compliance.
  • Interactive Scenario tool allowing user the ability to manipulate Juniper’s data for 5 different metrics.
  • Access to the full set of forecast data of 19 tables and 2,304 data points.
Juniper Research’s highly granular interactive excels enable clients to manipulate Juniper’s forecast data and charts to test their own assumptions and compare markets side by side in customised charts and tables. IFxls greatly increase clients’ ability to both understand a particular market and to integrate their own views into the model.  

Research Options

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Fintech Futures - Deep Dive Strategy & Competition 2017-2022

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Our ‘Deep Dive Strategy & Competition’ report provides the most in-depth coverage and analysis of the fintech space, including analysis of segments of financial services and their suitability for fintech disruption, as well as analysis of regions best suited for start-up activity and of regulatory frameworks.
It includes an analysis of the key trends in the space, including the rising level of financial inclusivity, being driven by fintech vendors, as well as an assessment of financial services incumbents and how they seek to deal with the threat of disruption by fintech.  
Offered in PDF format.

The research includes:
  • Assessment of financial services segments and which are best suited to fintech disruption.
  • Analysis of key trends and challenges facing vendors and how to overcome these.
  • Vendor Analysis: capability assessment & market positioning.
  • Key executives profiles in our ‘Movers & Shakers’ review.
Please download the table of contents above for greater detail.

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Analyst support is provided for the following areas:
  • Research related queries
  • Clarifying methodologies, forecast assumptions and forecast outputs
  • Identification of key market trends and opportunities

Research Details

Nick Maynard
Fintech & Payments
8 Key Regions - includes North America, Latin America, West Europe, Central & East Europe, Far East & China, Indian Subcontinent, Rest of Asia Pacific and Africa & Middle East
Canada, China, France, Germany, India, Japan, South Korea, UK, USA

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