拉丁美洲金融科技行業(yè)市場前景及投資研究報告-培訓課件外文版2024.5

DIGITAL

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TRENDSFintechinLatinAmericaCHAPTER

01OverviewFintechsectorrevenueworldwidein2017and2018withaforecastuntil2024,byregion(inbillioneuros)Globalfintechrevenue2018withaforecastuntil2024,byregionAmericasEMEAAPAC200180160140120100809629852874266424544538326023492142203540192961635855200201720182019*2020*2021*2022*2023*2024*3Description:Fintechrevenueworldwidewasexpectedtoincreasedsteadilybetween2019and2024.Asof2018,thesector'srevenueamountedto92billioneuros.Distinguishingbyregion,theAsiaPacificregiongeneratedthelargestshareofrevenueduringtheperiodunderobservation.Accordingtotheforecast,therevenuegeneratedinthisregionisexpectedtoreach96billioneurosin2024.ReadmoreNote(s):Worldwide;2017and2018;*ForecastEMEA:Europe,MiddleEast,andAfrica.APAC:AsiaPacificThesourceaddsthefollowinginformation:"Pre-COVID-19forecast.ThesenumbersareoriginallydenominatedinUSD,andwereconvertedto[...]

ReadmoreSource(s):Deloitte;MordorIntelligenceNumberoffintechstartupsworldwidefrom2018to2023,byregionNumberoffintechstartupsworldwide2018-2023,byregionAmericasEMEAAPAC**30,00025,00020,00015,00010,0005,00005,0619,6816,2689,3234,7657,3852,8643,5812,8493,58311,6512023*10,75520218,77520205,68620185,77920194Description:AsofMay2023,therewere11,651fintech(financialtechnology)startupsintheAmericas,makingittheregionwiththemostfintechstartupsglobally.Incomparison,therewere9,681fintechstartupsintheEMEAregion(Europe,theMiddleEast,andAfrica)and5,061intheAsiaPacificregion.In2023,theUnitedStatesrankedfirstintermsofthenumberoffintechunicornsglobally,havingroughlyfivetimesmoreofthesecompaniesthantheUnitedKingdom,thatrankedsecond.ReadmoreNote(s):2018toNovember2021Source(s):BCG;CrunchBase;Totalvalueofinvestmentsintofintechcompaniesworldwidefrom2010toH12023(inbillionU.S.dollars)Investmentsintofintechcompaniesglobally2010-2023300250200150247.2216.8209.3148.6138.810067.163.459.252.445.450018.99642010201120122013201420152016201720182019202020212022H120235Description:Thetotalvalueofinvestmentsintofintechcompaniesworldwideincreaseddrasticallybetween2010and2019,whenitreached216.8billionU.S.dollars.In2020,however,fintechcompaniessawinvestmentsdecreasenotably,droppingbelow140billionU.S.dollars.Investmentvalueincreasedagainin2021uptomorethan247billionU.S.dollars.2022,however,wasanotherslowyearforfintech,asthevalueofinvestmentsdecreasednotably,althoughremainedwellabovethevalue[...]

ReadmoreNote(s):Worldwide;2010toH12023Source(s):KPMG;PitchBookValueofinvestmentinfintechcompaniesworldwidefrom2019toH12023,byregion(inbillionU.S.dollars)Valueofinvestmentinfintechworldwidein2019-2023,byregion2019202020212022H12023140118.3118.512010080604020095.893.877.668.16352.25036.130.427.515.511.25.1AmericasEMEAAsiaPacific6Description:ThevalueofinvestmentsinfintechcompaniesintheAmericasdecreasedconsiderablyin2022,comparedto2021.Thiswasanevenbiggerdecreasethanbetween2019and2020.ThevalueofinvestmentsintofintechsshowedthesametendencyintheEMEAregion,wherethetotalamountofinvestmentsdroppedto63billionU.S.dollarsfrom77.6billionU.S.dollarsayearearlier.TheAsiaPacificregion,ontheotherhand,sawaslightincreaseininvestmentactivityinthefintechsector.Inthe[...]

ReadmoreNote(s):Worldwide;2019

toH12023Source(s):KPMG;PitchBookGrowthoffintechsinLatinAmericabetween2017and2022,bycountryNumberoffintechsinLatinAmerica2017-2022,bycountryBrazilMexicoColombiaArgentinaChile900800700600500400300200100085561577151254744146438027336835734925727961792301802001127175158106148116848472652017201820192020202120227Description:ThenumberoffintechsgrewsignificantlyinallmajorLatinAmericancountriesbetween2017and2022.Duringtheobservedperiod,Brazilwastheleadingcountry,withthenumberoffintechsincreasingfrom230in2017to855in2023.Mexicohadthesecondhighestnumberoffintechsoperatingintheregion.ReadmoreNote(s):Argentina,Brazil,Chile,Colombia,Mexico;2017to2022Source(s):Finnovista;Inter-AmericanDevelopmentBank;LatamFintechCHAPTER

02FintechstartupsDistributionoffintechstartupsinLatinAmericain2022,bybusinesssegmentShareoffintechsinLatinAmerica2022,bysegmentShareoffintechs10%0%Payments5%15%20%25%21.83%Lending17.75%EnterprisefinancialmanagementInsurtech12.41%11.64%11.05%FintechasaServiceCryptocurrencies3.89%Crowdfunding3.76%3.71%3.58%Scoring,identity,andfraudWealthmanagementBlockchain1.22%9Description:Thepaymentsegmentaccountedforapproximately22percentofallfintechstartupsinLatinAmericain2022,makingitthelargestfintechsegmentintheregion.Lendingrankedsecond,with17.75percentofthecompaniesintheregion.Enterprisefinancialmanagement,insurtech,andFintechasaServicewereallsegmentswithmorethan10percentofallfintechsintheregion.ReadmoreNote(s):2022;2,208fintechstartupsSource(s):Varioussources(LatamFintech,KoreFusion)NumberoffintechstartupsinLatinAmericain2022,bybusinesssegmentNumberoffintechsinLatinAmerica2022,bysegmentNumberoffintechs050100150200250300350400450500550PaymentsLending482392EnterprisefinancialmanagementInsurtech274257FintechasaServiceCryptocurrencies24486838279716764CrowdfundingScoring,identity,andfraudWealthmanagementDigitalbanksPersonalfinancialmanagementRemittencesandforeginexchangeBlockchain2710Description:In2022,482fintechstartupsofferedsolutionsinthepaymentsegmentinLatinAmerica,makingitthesegmentwiththehighestnumberofbusinessesintheregion.Thelendingsegmentfollowedwith392companies.Enterprisefinancialmanagement,insurtech,andFintechasaServicewereallsegmentswithmorethan200businessesintheregion.ReadmoreNote(s):2022;2,208fintechstartupsSource(s):Varioussources(LatamFintech,KoreFusion)DistributionoffintechstartupsinLatinAmericain2022,bycountryDistributionoffintechsinLatinAmericaasof2022,bycountryShareofactivefintechs0%5%10%15%20%25%30%35%BrazilMexico28.73%20.67%ColombiaArgentinaChile12.37%11.73%8.64%Peru8.47%Restoftheregion9.41%11/statistics/709946/fintech-latin-americaIn2022,BrazilaccountedforthehighestshareoffintechstartupsinLatinAmerica.Closeto29percentofallactivefintechstartupsintheobservedcountriesoperatedinBrazil.Mexicofollowed,with20.7percentofthe2,976fintechsintheregion.ReadmoreNote(s):2022;2,976fintechsSource(s):Varioussources(LatamFintech,KoreFusion)NumberoffintechstartupsinLatinAmericain2022,bycountryNumberoffintechsinLatinAmerica2022,bycountryNumberoffintechs0100200300400500600700800900BrazilMexico855615ColombiaArgentinaChile368349257Peru252Restoftheregion28012Description:IntheobservedLatinAmericancountries,Brazilaccountedforthehighestnumberoffintechstartupsin2022.Therewere855activefintechsoperatinginthecountry,significantlymorethaninMexico,whichrankedsecondintermsofthenumberoffintechsintheregion.ReadmoreNote(s):2022Source(s):Varioussources(LatamFintech,KoreFusion)LatinAmericanandCaribbeancountrieswithemergingfintechindustriesin2021LatinAmericanandCaribbeancountrieswithemergingfintechindustries2021Fintech

startupsPercentage

oftotal

fintech

companiesPercentage

ofaverage

year-on-yeargrowth

(2017-2021)Peru13262554432314.62.52.31.41.41.36947EcuadorDominicanRepublicCostaRicaUruguay1297228Guatemala7913Description:WhilePeru,Ecuador,DominicanRepublic,CostaRica,Uruguay,andGuatemalawerenotamongtheleadingLatinAmericancountriesintermsoffintechstartupsin2021,thenumberoffintechstartupsgrewsignificantlyoverthelastfiveyears.Amongtheobservedcountries,Peruhadthehighestnumberoffintechsin2021,buttheDominicanRepublicsawthehighestpercentageofaverageyear-on-yeargrowthbetween2017and2021.

ReadmoreNote(s):CostaRica,DominicanRepublic,Ecuador,Guatemala,Peru,Uruguay;2021Source(s):Finnovista;Inter-AmericanDevelopmentBankCHAPTER

03InvestmentinfintechValueofventurecapitalfintechinvestmentsinLatinAmericafrom2016to2022(inmillionU.S.dollars)VenturecapitalfintechinvestmentinLatinAmerica2016-20227,0006,0005,0004,0003,0002,0001,0006,0933,3522,11820191,629202070026729702016201720182021202215Description:In2022,thevalueofventurecapitalinvestmentstargetedatfintechstartupsinLatinAmericaamountedtoroughy3.34billionU.S.dollars,asharpdecreasecomparedtothepreviousyear.InthefiveyearsbeforetheCOVID-19pandemic,ventureinvestmentsinfinancialtechnologygrewbyaround690percent.ReadmoreNote(s):LAC;2014to2022Source(s):LAVCANumberofventurecapitalfintechdealsinLatinAmericafrom2014to2022VenturecapitalfintechdealsinLatinAmerica2014-202235030025020015010032825816615314511761415003420142015201620172018201920202021202216Description:ThenumberofventurecapitaldealstargetedatfintechstartupsinLatinAmericaincreasedconsiderablybetween2014and2022,despiteasmalldeclinein2020.In2022,atotalof328fintechdealswereclosedinLatinAmerica.

ReadmoreNote(s):LAC;2014to2022Source(s):LAVCAValueofinvestmentsinfintechinselectedcountriesinLatinAmericain2022(inmillionU.S.dollars)LatinAmerica:fintechinvestmentvalue2022,bycountry2,0001,8001,8001,6001,4001,2001,00080056760043340030220720010317.50BrazilMexicoColombiaChileArgentinaEcuadorUruguay17Description:In2022,BrazilwastheLatinAmericancountrywithbyfarthehighestvalueofinvestmentsinfintech,withroughly1.8billionU.S.dollars.ItwasfollowedbyMexico,withfintechinvestmentsamountingto567millionU.S.dollarsthatyear.ReadmoreNote(s):LAC;2022Source(s):Dealroom.coFundingoffintechbusinessesinLatinAmericain2022,bysegment(inmillionU.S.dollars)FintechfundinginLatinAmerica2022,bysegmentShareofinvestments3,000%

4,000%0%1,000%2,000%5,000%6,000%7,000%8,000%9,000%10,000%DigitalbanksLending9,191.6%6,731.7%Payments6,380%FintechasaServiceCryptocurrencies1,288%827.7%EnterprisefinancialmanagementInsurtech817%736.8%Scoring,identity,andfraudWealthmanagementRemittancesandforeignexchange464%426.3%196.1%18Description:FintechfundinginLatinAmericavariedgreatlyacrosssegmentsin2022.Thesegmentwiththehighestvalueoffundingwasdigitalbanks,whichraisedatotalof9.2billionU.S.dollarsinfunding.Lendingwasthesecondlargestsegment,with6.7billionU.S.dollars,followedbythepaymentssegmentwithroughly6.4billionU.S.dollarsinfunding.ReadmoreNote(s):LAC;2022Source(s):Varioussources(LatamFintech,KoreFusion)FundingofselectedfintechcompaniesinLatinAmericaasofJuly2023(inmillionU.S.dollars)LatinAmerica:fundingoffintechcompanies20239007998007006005004003002001000706544357341.3314.5253194Creditas(Brazil)Konfio(Mexico)Ualá(Argentina)

dLocal(Uruguay)

Addi(Colombia)Bitso(Mexico)

Credijusto(Mexico)

Kushki(Uruguay)19Description:AsofJuly2023,Creditasattractedinvestmentsamountingto799millionU.S.dollars.ThisonlinefinancialplatformisbasedinBrazilandspecializesinconsumerloans.Konfio,aMexico-basedfintechcompany,received706millionU.S.dollarsworthoffunding.ReadmoreNote(s):LAC;AsofJuly2023Source(s):CrunchBase;CHAPTER

04LeadingcompaniesNumberofusersofselecteddigitalbanksandwalletsinLatinAmericain2020(inmillions)LatinAmerica:numberofusersofselecteddigitalwallets2020Numberofusersinmillions200510152530354045PicPayNubank4130MercadoPagoPagBank19.513BancoInterYape64.5BancoOriginalAmeDigitalNext43.53.52.53UaláRappiPay*MagaluPayRecargaPay2221Description:In2020,PicPaywasthedigitalwalletwithmostusersinLatinAmerica,amongthesolutionsdepicted.Atthetime,around41millionmerchantsandconsumersadoptedthisBrazilianapp.ThealsoBrazilianneobankNubankrankedsecond,with30millionusers.Inthefirsthalfof2020,Nubankreportedanetlossofapproximately95millionBrazilianreals.ReadmoreNote(s):2020;includesmerchantsandconsumers;asofyearend;*EstimatesReadmoreSource(s):AMI;estimatesNumberofcustomersofNubankinBrazilfrom2016to2022(inmillions)Nubank'snumberofcustomersinBrazil2016-20228074.670605040302010053.934105.931.3201620172018201920202021202222Description:Asof2022,Nubankreachedthemarkof74.6millioncustomers,upfrom1.3millionclientsreportedattheendof2016.ThisdigitalbankwasoneofthefirstBrazilianunicorncompanies,aswellasthefirstLatinAmericandecacornstartup.

ReadmoreNote(s):2016to2022Source(s):NubankNumberofwebsitevisitsofselecteddigitalbankingplatformsinLatinAmericainMay2023(inmilions)LatinAmerica:websitevisitsofneobankplatforms2023Numberofvisitsinmillions0246810121413.916Nubank(Brazil)Nequi(Colombia)Ualá(Argentina)Neon(Brazil)10.92.41.1Klar(Mexico)0.160.08Albo(Mexico)23Description:Withroughly14millionvisits,NubankwastheLatinAmericandigitalbankthatreceivedthehighestnumberofwebsitevisitsinMay2023,amongthedepictedplatforms.Meanwhile,Nequiregistered10.9millionvisitsinthatsamemonth.ReadmoreNote(s):LAC;May2023Source(s):SimilarWebNumberofwebsitevisitsofselectedpaymentplatformsinLatinAmericainMay2023(inmilions)LatinAmerica:websitevisitsofpaymentplatforms2023Numberofvisitsinmillions1005152025MercadoPago(Argentina)21.1PagSeguro(Brazil)Nequi(Colombia)16.910.9PicPay(Brazil)Ualá(Argentina)Codi(Mexico)4.12.40.1824Description:Withmorethan21millionvisits,MercadoPagowastheLatinAmericanpaymentplatformthatreceivedthehighestnumberofwebsitevisitsinMay2023,amongthedepictedwebsites.Meanwhile,Nequiregisteredroughly11millionvisitsinthatsamemonth.ReadmoreNote(s):LAC;May2023Source(s):SimilarWebLeadingneobanksinBrazilfrom2020to2021,bymonthlyactiveusers(inmillions)LeadingneobanksinBrazil2020-2021,byMAU202020214036.05353027.1825201510522.714.7612.558.688.446.862.792.090NubankPicPayBancoInterC6BankBancoPAN25Description:In2021,NubankwastheleadingneobankinBrazil,intermsofaveragemonthlyactiveusers(MAU)oniPhonesandAndroiddevices.TheBrazilianneobankhadmorethan36millionMAUsin2021,whichwasasignificantincreasecomparedtothepreviousyear.NubankwasfollowedbyPicPayandBancoInter,whichhad22.7and12.55millionMAUsin2021,respectively.ReadmoreNote(s):Brazil;2020to2021Source(s):Data.aiLeadingneobanksinMexicofrom2020to2021,bymonthlyactiveusersLeadingneobanksinMexico2020-2021,byMAU202020211,600,0001,400,0001,200,0001,000,000800,000600,000400,000200,00001,341,0001,094,000693,000421,000349,000337,000225,00066,000Nubank35,00029,000FondeadoraHeyBancoKlarFlink26Description:In2021,NubankwastheleadingneobankinMexico,intermsofaveragemonthlyactiveusers(MAU)oniPhonesandAndroiddevices.TheBrazilianneobankhadmorethan1.3millionMAUsin2021,whichwasasignificantincreasecomparedtothepreviousyear.NubankwasfollowedbyHeyBancoandKlar,whichhadapproximately1.1and0.7millionMAUsin2021,respectively.ReadmoreNote(s):Mexico;2020to2021Source(s):Data.aiCHAPTER

05FintechusageNumberoffintechusersinLatinAmericaandtheCaribbeanin2022,bysegment(inmillionusers)NumberoffintechusersinLatinAmericain2022,bysegment350323.063002502001501005045.2223.6523.510.030DigitalpaymentsNeobankingDigitalassetsDigitalinvestmentAlternativefinancing28Description:In2022,morethan415millionpeopleusedfintechinLatinAmericanandtheCaribbean.ThemajorityofusersinSouth-,CentralAmericaandtheCaribbean,over323million,useddigitalpaymentsin2022.Thesecondlargestsegmentoffintechusagewasneobanking,withmorethan45millionusers.ReadmoreNote(s):2022;Numberofactivepayingcustomers(oraccounts)Source(s):DigitalMarketInsightsShareofadultpopulationwhousemobilemoneyserviceinLatinAmericain2021,byselectedcountriesPopulationusingmobilemoneyservicesinLatinAmerica2021,byselectcountriesShareofrespondents0%5%10%15%20%25%30%35%40%37.7%ParaguayArgentinaVenezuelaBrazil35.08%30.31%26.96%ColombiaPeru21.77%14.34%Bolivia12.95%12.66%10.92%JamaicaElSalvadorHondurasDominicanRepublicNicaragua8.87%7.57%6.56%29Description:ParaguayandArgentinaweresomeofthecountrieswiththehighestusageofmobilemoneyservicesinLatinAmericaandtheCaribbeanin2021.Inthesecountries,morethan35percentofthepopulationaged15yearsorolderhadmobilemoneyaccounts.DominicanRepublicandNicaraguawerethecountrieswiththelowestshareofadultpopulationwithmobilemoneyaccounts.ReadmoreNote(s):AugusttoNovember2021;approx.1,000percountry;15yearsandolder;Entirecivilian,noninstitutionalizedpopulation;Thefiguresshownarefromaglobalsurveyheldevery3years.Thedatafor2021isthemostrecentavailableasofthemidof2022.Source(s):WorldBankNumberoffintechusersinBrazilin2022,bysegment(inmillions)Brazil:fintechusers2022,bysegment140123.7712010080604026.76200.040DigitalCommerceMobilePOSPaymentsDigitalRemittances30Description:Concerningthethreeselectedsegments,thesegmentDigitalCommercehasthelargestnumberofuserswith123.77millionusers.Contrastingly,DigitalRemittancesisrankedlast,with0.04millionusers.Theirdifference,comparedtoDigitalCommerce,liesat123.73millionusers.ReadmoreNote(s):Brazil;Jan1sttoDec31st2022Source(s):DigitalMarketInsightsNumberoffintechusersinColombiain2022,bysegment(inmillions)FintechusersinColombia2022,bysegment3026.19252015107.1350.010DigitalCommerceMobilePOSPaymentsDigitalRemittances31Description:Concerningthethreeselectedsegments,thesegmentDigitalCommercehasthelargestnumberofuserswith26.19millionusers.Contrastingly,DigitalRemittancesisrankedlast,with0.01millionusers.Theirdifference,comparedtoDigitalCommerce,liesat26.18millionusers.ReadmoreNote(s):Jan1sttoDec31st2022Source(s):DigitalMarketInsightsNumberoffintechusersinMexicoin2022,bysegment(inmillions)Mexico:fintechusers2022,bysegment7064.1260504030201007.065.362.10.01DigitalPaymentsDigitalAssetsDigitalInvestmentNeobankingDigitalCapitalRaising32Description:Concerningthefiveselectedsegments,thesegmentDigitalPaymentshasthelargestnumberofuserswith64.12millionusers.Contrastingly,DigitalCapitalRaisingisrankedlast,with0.01millionusers.Theirdifference,comparedtoDigitalPayments,liesat64.11millionusers.ReadmoreNote(s):Jan1sttoDec31st2022Source(s):DigitalMarketInsightsNumberoffinanceappdownloadsinArgentinafrom2018to2022(inmillions)FinanceappdownloadsinArgentina2018-2022