Ayushi Gupta

Growth constraints: Fintech competition, size of the market, funding/capital and scarcity of talent. Regulatory hurdles: Cryptocurrency regulations, KYC/anti-money laundering regulations and capital requirements. We flag Paytm (payments super app), P...

Payments dominates Indonesia's fintech landscape, with over 40% of all firms. Transaction volumes are growing fast. Indonesian fintechs saw a big increase in investment in 2022, a sharp contrast with the slowdown seen elsewhere. Success factors: Inn...

Key success factors: Large customer base, innovation, strong management and low operating costs. Strategic plans: Boosting operational efficiency, increasing use-cases of existing services and management expertise. Targeted innovations: Easier custom...

Mexican fintechs are winning market share from informal providers. Extensive financial exclusion could also fuel growth. Strategic priority: Expanding into new markets. Top value to customers: Fast approvals. Innovation focus: AI, blockchain. Key cha...

Pakistan is one of the most cash-intensive emerging markets but digital payments transactions are now growing strongly. Non-banking initiatives, such as mobile payments and digital wallets, are most likely to boost to financial inclusion. India’s UPI...

We surveyed 215 emerging market fintechs to gauge their 3-year growth trajectories for users, revenues and profits. By region: Brazil leads for revenue and operating profit growth; Russia trails in revenue and ARPU trends. By product: lending leads f...