We thought 2020 was a good time to review the past decade of fintech developments & prepare ourselves for upcoming wave of innovation. Presenting

Part-1 of our FinTech Report @ http://bit.ly/blume-fintech1 

by @AshishFafadia @kartikeya91 and me.
Part-2 to follow. Key Highlights

Here, we distill key learnings from the ecosystem & map out emerging startup themes in the FinTech landscape to identify exciting opportunities for creation of large impactful businesses.

This is an evolving doc and we would love to improve it with more feedback!

India has an interesting mix of massive problems, unprecedented tailwinds and ambitious public intent. Pace of innovation kept accelerating through the 2010s thanks to pioneering public infra. COVID fast forwarded 5Y tech modernization plans to 5 months. Exciting times ahead.

Here are some key observations & learnings across the following thematic areas in FinTech over the past decade.

Payments
Insurance
Lending
Wealth
Regulatory

IPOs vs M&As

The one big learning to keep in mind going forward is that IPOs are the only viable exit option. Period.

Massive M&A outcomes are not on the horizon. Indian incumbents are unlikely to acquire startups at high valuations due to the opportunity cost.

Fintech approach at Blume

We focus on fundamental metrics more than anything else. And the founder's mindset should reflect metric-mindedness. Checkout our report to learn more.

B2B / B2C 2x2s

We then use some frameworks to prioritize focus areas & map B2C / B2B fintech themes on it. For each category, we try to answer: What's interesting?

Towards the end we share snapshots of some areas which seem ripe for innovation, such as. We would love to meet more founders building in these areas. Please drop a line to us @ http://blume.vc/pitch  , or email (emails in the report)

@jiteshluthra @pinnambharat @radhika_agar @DikshaLahoti @saritaraichu