Continúa el retroceso de la inversión global en fintech

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CLAVES:

  • Durante todo el año 2015 y en especial en la primera parte del mismo se registró un aumento enorme en las inversiones del área fintech.
  • Desde entonces, ese volumen de inversión ha ido descendiendo y en el tercer trimestre de este año el retroceso ha sido muy notable.
  • Norte América y Europa siguen retrocediendo, por el contrario, Asia es la única región en la que se registran aumentos en las inversiones.
  • Las causas principales pueden ser las dudas surgidas como consecuencia del Brexit, de las elecciones presidenciales americanas o por el temor a la creación de una “burbuja fintech”.

De acuerdo con el último informe trimestral de inversiones fintech, que publican en conjunto KPMG y CB Insights, el número total de inversiones a nivel global ha descendido notablemente en el último trimestre. El número de acuerdos totales registrados descendió hasta los 178, mientras que en el mismo periodo del año anterior esa cifra fue de 356 y en el segundo trimestre de 2016 se habían registrado 414 movimientos. El retroceso en el volumen de inversión ha sido todavía más notable: en el último trimestre se alcanzó un volumen de 2,9 billones de dólares invertidos en el sector fintech, menos de la mitad de lo que se registraba en el mismo trimestre del año 2015 (6,5 billones) y menos de un tercio de lo registrado en el 2Q 2015 (9,4 billones). No obstante, hay que tener en cuenta que la cifra de este segundo trimestre de 2015 está un poco distorsionada ya que se incluye la inversión de nada menos que 4,5 billones de dólares que el enorme grupo chino Alibaba hizo en su filial fintech Ant Financial.

KPMG & CB Insights
KPMG & CB Insights
KPMG & CB Insights
KPMG & CB Insights

Algunas de las cifras clave de este nuevo informe “The Pulse of Fintech” son:

Recuperación en Norte América: las empresas fintech americanas que han contado con inversiones de venture capital consiguieron un total de 900 millones de dólares en el 3Q de 2016. Aunque no se puede esperar en ningún momento que esta cifra se compare con el enorme pico que se alcanzó en 2015, es cierto que la región espera igualar si no superar los 5,3 billones que se alcanzaron en todo el año 2014.

KPMG & CB Insights
KPMG & CB Insights

Pagos, Blockchain y los roboadvisors empiezan a hacer frente a algunas dudas: el informe pronostica que al año que viene los inversores serán más cautos y racionales a la hora de hacer inversiones en ciertas áreas de las fintech, especialmente en algunas de las que más en voga están en la actualidad, como son el blockchain, los roboadvisors o el mundo de los pagos.

La actividad “seed” repuntó un poco en Norteamérica, pero la cuota de las Series A se redujo

KPMG & CB Insights
KPMG & CB Insights
KPMG & CB Insights
KPMG & CB Insights

Europa sufrió un fuerte impacto tras el Brexit: El número de acuerdos y el volumen de inversión recogido descendió a la mitad, registrándose 38 acuerdos y un volumen de 200 millones de dólares en este tercer trimestre.

KPMG & CB Insights
KPMG & CB Insights

Asia es la única región que sigue registrando aumentos: La financiación en los tres primeros trimestres del 2016 ya ha alcanzado casi el total que se obtuvo en el año 2015. Para finales del 2016 Asia tendrá probablemente un record mundial de inversiones anual fintech alcanzadas en todo el mundo.

KPMG & CB Insights
KPMG & CB Insights

A parte del ya mencionado Brexit, otras causas que podrían haber afectado a este descenso global de las inversiones en el sector fintech podrían ser las dudas generadas por las elecciones presidenciales en Estados Unidos y la enorme inversión que tuvo lugar especialmente en la primera parte del año 2015, la cual podría haber creado algo de nerviosismo en algunos inversores sobre todo después de que empezase a surgir el debate en torno a la posible formación de una nueva burbuja financiera en torno a las fintech.

Documento completo: KPMG & CB Insights – The Pulse of Fintech – 3Q 2016

KPMG

KPMG & CB INSIGHTS. The Pulse of Fintech, Q3 2016. 16 de Noviembre de 2016 [consultado 28-11-2016]. Disponible en: https://www.cbinsights.com/reports/fintech-funding-q3-2016.pdf?utm_campaign=Content+Emails&utm_source=hs_automation&utm_medium=email&utm_content=37675161&_hsenc=p2ANqtz-9V1-m0u9DqPwzaE4ddkGvnU9KewqlQCBZlG04_yAVkzAi8E2SL9SqpyOFeEha9BNsN98m6zP6yqZcvAdcw-qUpGf7J9g&_hsmi=37675161

 BANK INNOVATION. 3Q Fintech Funding Slows; Blockchain, Robo Advisors Face Challenges.17 de Noviembre de 2016 [consultado 28-11-2016]. Disponible en: http://bankinnovation.net/2016/11/third-quarter-fintech-funding-slows-blockchain-robo-advisors-face-challenges/

 Descargar este documento en pdf

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