Fintech Funding Trends & Predictions for 2025 | Lisbon Fintech Summit

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Fintech’s Future: Navigating Investment in a Post-AI World

The Lisbon Fintech Summit hosted a panel discussion on the future of fintech investment, featuring insights from seasoned investors: Mike Sigal (Founder, Sigal Ventures), Itxaso del Palacio (General Partner, Notion Capitol), and Kamran Ansari (Partner, Headline), moderated by Laura Noonan (Senior Reporter, Bloomberg News).

The panel explored the evolving landscape of fintech funding, noting the impact of AI’s dominance. While investment in fintech has seen a dip, there’s optimism for a resurgence. The panel advised startups to focus on complex, underserved areas like corporate banking, capital markets, and wealth management, rather than saturated markets like neo-banking or personal finance tools.

Del Palacio highlighted the success of infrastructure and workflow-embedded fintech solutions, while cautioning against narrow point solutions. Sigal emphasized the importance of founder due diligence and identifying companies tackling substantial problems. Ansari pointed to B2B payments as a significant opportunity, citing the lack of major players beyond Bill.com.

The discussion also touched upon the regulatory landscape, with panelists agreeing that regulatory compliance is crucial for attracting investment. Building in regulatory frameworks from the outset is vital, as skirting regulations is not a viable strategy. Geographic considerations were also discussed, with a focus on the US and Western Europe as primary investment hubs.

The panel concluded by highlighting exciting trends in fintech, including real-world asset digitization, specialized lending platforms, and the digitization of tax processes. The session provided valuable insights for fintech startups seeking funding and navigating the evolving landscape of the industry.