billion, adults locked out of banking services (2021)
Thematic Investing
Digitalization has hit the financial services sector, creating attractive growth opportunities for the transformative technologies of fintech companies.
- 1.9
- 32
% of e-commerce transactions in the US executed via digital wallets
- 7
% compounded annual growth rate of bank spending on software services through 2025
Why invest in fintech?
Cash used to be king in business, but the rise of e-commerce and e-wallets mean cashless payments may soon dominate purchases. A similar story is playing out within the hallowed halls of finance, where legacy lenders and industry stalwarts face disruption from nimble upstarts which are low on overhead and high on tech savvy. Low costs, intuitive interfaces, and easy access are key features in attracting next-gen and emerging market clients, which are underpenetrated markets set for tremendous growth in the coming decades.
Powerful momentum is lifting FinTech to new heights
Fintech business models have long surpassed the proof-of-concept stage. The convenience, flexibility, and ubiquity of digital banking and embedded financing are winning over consumers worldwide—driving rapid market penetration and strong earnings. Add to that robust growth potential and reasonable valuations and you’ve got a hard-to-beat investment proposition. And that’s still not all. From established financial giants to nimble fintech start-ups, Generative AI is poised to be a game-changer for value creation and profitability. The lighter regulatory touch and less red tape of Trump 2.0 should also accelerate IPO and M&A activity, benefitting fintech and financials.
The strategy
The FinTech strategy invests in digital payment systems with the scale and know-how to process transactions with speed and low cost. This is opening huge opportunities among underbanked populations in emerging markets but also low-margin segments in developed ones. It also invests in the companies providing third-party (cloud) solutions which are collaborating with big banking conglomerates to revamp and streamline their fragmented legacy systems serving disparate customers globally.
Data sharing is another important growth channel within fintech. From company fundamentals and ESG performance, to credit trends and market analytics, data is indispensable for helping financial companies gain insights for developing new products and managing investments. Data providers are increasingly monetizing their financial information, using subscription-based revenue models to provide stable and predictable sources of income. Finally, cybersecurity is also a critical area of investment to protect consumers and firms as assets move from physical vaults to digital bits.
Secure long-term growth with an investment in FinTech and the future of finance.
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Fintech Investment Opportunity
The Robeco Fintech strategy offers a unique opportunity to monetize growing digitization in the financial sector.
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