Radiografía del sector Fintech en España durante 2015

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CLAVES:

  • Existen 83 compañías de Fintech en España.
  • El 50% de estas jóvenes compañías tiene como objetivo ofrecer servicios B2C, mientras que el 37% se dedica a los negocios entre empresas.
  • El 48% de las firmas Fintech del panorama español cuenta con menos de 10 empleados, y el 41% tiene entre 11 y 50 empleados.

Es una de las grandes tendencias del momento. Se trata de un movimiento que pisa con fuerza en los grandes mercados financieros, como el londinense y el neoyorquino, y donde también tienen una presencia destacada los emprendedores españoles.

La palabra Fintech procede de financial technologies y viene a definir aquellos nuevos servicios financieros basados en la innovación tecnológica. Cambio de divisas a través de Internet, pagos online, transferencias, titulizaciones 2.0… Las posibilidades son enormes.

Con el fin de analizar el fenómeno y su alcance en nuestro país, Mooverang, el gestor de la economía personal respaldado por OCU, ha elaborado el primer mapa del sector Fintech español. Un estudio que ha presentado en el evento The App Date.

Así, Mooverang concluye que existen en España 83 compañías de Fintech, y que en 2014 levantaron en conjunto 93 millones de euros de venture capital.

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Fuente: Mooverang.

El 50% de estas jóvenes compañías tiene como objetivo ofrecer servicios B2C (business to consumer), mientras que el 37% se dedica a los negocios entre empresas (B2B, o business to business). Solo un 13% de las mismas abarca servicios para ambos segmentos de clientes.

Por tipo de empresas, las especializadas en pagos y préstamos son las que concentran la mayor actividad con un 24% y un 17%, respectivamente, seguidas de las dedicadas a crowdlending y los agregadores financieros, que alcanzan un 15% y un 11%, respectivamente.

En España, los proyectos Fintech dedicados al cambio de divisas no han tenido tanta acogida entre los emprendedores, con sólo un 4% de empresas dedicadas a estos servicios. A éstas les siguen las empresas especializadas en gestión de datos financieros y bitcoins.

[section label=”El 90%, pymes y micropymes” anchor=”El 90%, pymes y micropymes”]

El 90%, pymes y micropymes

La mayoría de las compañías del sector están localizadas en Madrid, ciudad que acoge al 57% de ellas, seguido de Barcelona, con un 17% y muy de lejos por Valencia, con un 4%. En cuanto al número de empleados, el 48% de las firmas Fintech del panorama español cuenta con menos de 10 empleados, y el 41% tiene entre 11 y 50 empleados; sólo un 1% de las empresas supera los 200 trabajadores.

[section label=”Aquí sí hay dinero” anchor=”Aquí sí hay dinero”]

Aquí sí hay dinero

El sector Fintech está recibiendo mucha atención en los últimos tiempos, dado el potencial de tendencias como los pagos móviles, el blockchain o el crowdlending, y no sólo en los países occidentales sino especialmente en los mercados en vías de desarrollo. Según otro reciente informe, del World Economic Forum, la oportunidad de negocio global del uso del Fintech entre las pymes es de 2 billones de dólares.

WORLD ECONOMIC FORUM. The Future of FinTech: A Paradigm Shift in Small Business Finance. 2015 [Consultado 27-11-2015]. Disponible en: http://www3.weforum.org/docs/IP/2015/FS/GAC15_The_Future_of_FinTech_Paradigm_Shift_Small_Business_Finance_report_2015.pdf

Sólo en los últimos días, por ejemplo, se han producido dos movimientos de relevancia en este sector:

  • Cierre de una ronda de financiación de 77 millones de euros por parte de Ebury, fundada en Londres por dos emprendedores españoles.
  • Adquisición por parte de BBVA del 30% de la entidad de crédito online Atom, también londinense.
Información relacionada:
BBVA.  BBVA entra en el capital de Atom Bank, el primer banco exclusivamente móvil de Reino Unido. 24 de noviembre de 2015 [consultado 27-11-2015]. Disponible en:http://prensa.bbva.com/actualidad/notas-de-prensa/bbva-entra-en-el-capital-de-atom-bank-el-primer-banco-exclusivamente-movil-de-reino-unido__9882-22-c-111147__.html

No es sorprendente que haya quien hable ya de “burbuja Fintech”. En el año 2014, las start up de tecnologías financieras levantaron 9.890 millones de dólares (8.695 millones de euros) de capital riesgo sólo en EEUU, según Accenture. En otras palabras: más que todo lo que los grandes bancos del país invirtieron en la reconversión digital de su propio negocio.

Nos encontramos, en cualquier caso, ante un nuevo cambio de paradigma. Los servicios bancarios, tal y como los conocíamos hasta ahora, están a punto de desaparecer.

EXPANSIÓN. Radiografía del sector Fintech en España. 25 de noviembre de 2015 [Consultado 27-11-2015]. Disponible en: http://www.expansion.com/economia-digital/innovacion/2015/11/25/5654978222601de7068b4588.html

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  95. She flicked off the lights and pushed him against the wall. A frame fell face down on the floor and shattered next to them. She didn’t allow him to take notice. She bit at his bottom lip, tugging his face, commanding him to follow her lead as she walked backwards down the hallway, deeper into the darkness, her darkness. And he, submitting to her bestial strength, simply weaved his fingers into the rust of her hair and bowed to her dominion. Like a lowly, unassuming insect, captivated by her hellfire glow.
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    Halfway down the hall, she slammed him back first into the wall again, harder than before — no frames there that time. She clawed at his chest under his shirt as she ate his kiss once more and bit down his neck; the groans he breathed out into the obscurity flinched sharply as her fangs grew less and less forgiving.

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