{"id":4445,"date":"2017-04-06T06:23:09","date_gmt":"2017-04-06T06:23:09","guid":{"rendered":"https:\/\/insights.invyo.io\/europe\/?p=4445"},"modified":"2019-04-12T17:18:32","modified_gmt":"2019-04-12T17:18:32","slug":"fintech-brazil-a-large-addressable-market-with-significant-opportunities-part-i","status":"publish","type":"post","link":"https:\/\/insights.invyo.io\/europe\/analyses\/fintech-brazil-a-large-addressable-market-with-significant-opportunities-part-i\/","title":{"rendered":"[Fintech Brazil] A large addressable market with significant opportunities &#8211; Part I"},"content":{"rendered":"<p><strong>Techfoliance is super excited\u00a0to launch\u00a0its new serie [Fintech Brazil]\u00a0with inside success stories\u00a0and analysis\u00a0shared by top local experts and entrepreneurs.<\/strong><\/p>\n<p>Brazil has been lately on top of international headlines. Political instability, corruption scandals and economic recession have been increasing the perception of risk associated to the country and shadowed (to a certain extent) positive developments that deserves to be highlighted.<\/p>\n<p>Brazil has a vibrant start-up community tackling the various issues the Latin American giant faces by bringing successful business models from abroad and increasing the list of innovations &#8220;made in Brazil&#8221;.<\/p>\n<p>Investments in <strong>Brazilian Fintechs<\/strong> amounted to <strong>USD161m in 2016<\/strong>, a staggering <strong>85% growth<\/strong> when compared to 2015, placing Brazil among the <strong>top 10 countries<\/strong> worldwide by deal value.<\/p>\n<p><a href=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/04\/Techfoliance_top-10-countries-by-deal_innovate-finance-1.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-4475 size-large\" src=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/04\/Techfoliance_top-10-countries-by-deal_innovate-finance-1-1024x591.png\" alt=\"\" width=\"665\" height=\"384\" srcset=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/04\/Techfoliance_top-10-countries-by-deal_innovate-finance-1-1024x591.png 1024w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/04\/Techfoliance_top-10-countries-by-deal_innovate-finance-1-300x173.png 300w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/04\/Techfoliance_top-10-countries-by-deal_innovate-finance-1-768x443.png 768w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/04\/Techfoliance_top-10-countries-by-deal_innovate-finance-1-700x404.png 700w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/04\/Techfoliance_top-10-countries-by-deal_innovate-finance-1.png 1479w\" sizes=\"(max-width: 665px) 100vw, 665px\" \/><\/a><\/p>\n<p>Additionally, Brazil is the leading Fintech hub in Latin America, with <strong>over 244 Fintechs<\/strong>.<\/p>\n<p><a href=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/04\/Techfoliance_top-5-markets-in-latam.png\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-4467 size-full alignnone\" src=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/04\/Techfoliance_top-5-markets-in-latam.png\" alt=\"\" width=\"567\" height=\"248\" srcset=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/04\/Techfoliance_top-5-markets-in-latam.png 567w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/04\/Techfoliance_top-5-markets-in-latam-300x131.png 300w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/04\/Techfoliance_top-5-markets-in-latam-358x158.png 358w\" sizes=\"(max-width: 567px) 100vw, 567px\" \/><\/a><\/p>\n<h3>Leading sectors<\/h3>\n<p><strong>32% of the Fintechs<\/strong> operate in <strong>payments<\/strong>, the leading sector in the ecosystem. Success cases include <a href=\"https:\/\/www.mercadopago.com.ar\/\"><strong>MercadoPago<\/strong><\/a>, <a href=\"https:\/\/pagar.me\/\"><strong>Pagar.me<\/strong><\/a> and <a href=\"https:\/\/www.nubank.com.br\/\"><strong>Nubank<\/strong><\/a>, which attracted almost <strong>USD180m<\/strong> in investments from Goldman Sachs and well-known international venture funds, including Peter Thiel\u2019s Founders Fund, Sequoia Capital and Tiger Global Management.\u00a0<strong>Finance management<\/strong> and <strong>alternative lending<\/strong> come second and third, with <strong>18%<\/strong> and <strong>13%<\/strong> of the Fintech start-ups.<\/p>\n<p><strong>Alternative lending<\/strong> platforms deserve special attention due to its <strong>growth<\/strong> and recent capacity to <strong>attract investments<\/strong> (e.g. Creditas (previously BankFacil) raised <strong>BRL 60m<\/strong> in February 2017 from the IFC, Naspers, Redpoint e.ventures and other leading VC investors, on top of <strong>BRL 25m<\/strong> raised previously in June 2016).<\/p>\n<p>Many platforms rely on partnerships with small- to mid-sized banks that lend their balance sheet and license to ensure regulatory compliance, using the partnerships as a leverage to increase scale.<\/p>\n<p>Despite the recent growth and undeniable potential, <strong>alternative lending in Brazil<\/strong> faces fundamental issues linked to the country&#8217;s underlying economic conditions: <strong>high interest rates<\/strong> (12.25% as of March 2017, down from 13% in the beginning of the year) and the availability of several high yield market instruments make it harder to develop compelling securitization mechanisms to resell loan books. Pushing <strong>higher interest rates<\/strong> to customers is a possible solution but decreases overall value proposition. Significantly <strong>increasing customer base<\/strong> and book size to capture economies of scale, increase cost effectiveness and be able to increase the reward for external investors for taking the risks seems a more viable solution, but such a large player is yet to be emerge in the market.<\/p>\n<p><a href=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/04\/Techfoliance_Brazil-Fintech-Mapping.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-4487 size-full\" src=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/04\/Techfoliance_Brazil-Fintech-Mapping.png\" alt=\"\" width=\"960\" height=\"720\" srcset=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/04\/Techfoliance_Brazil-Fintech-Mapping.png 960w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/04\/Techfoliance_Brazil-Fintech-Mapping-300x225.png 300w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/04\/Techfoliance_Brazil-Fintech-Mapping-768x576.png 768w, https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/04\/Techfoliance_Brazil-Fintech-Mapping-700x525.png 700w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Fintech has a significant potential to transform the financial sector in Brazil \u2013 and Techfoliance will keep you posted about its ecosystem, entrepreneurs and innovators in the next few months.<\/p>\n<hr \/>\n<p>I would like to thank Fintech ecosystem experts <strong>Denisse Cuellar<\/strong> and <strong>Bruno Diniz<\/strong> for contributing to this article.<\/p>\n<p><a href=\"https:\/\/www.linkedin.com\/in\/bruno-diniz-a9540a11\/\"><strong>Bruno Diniz<\/strong><\/a> is a partner at Innercore Solutions. Based in the main financial hub in Latin America, S\u00e3o Paulo, Brazil, Innercore Solutions Ltd provides Matchmaking, Consultancy and Advisory services on innovation for the Financial Services industry. Innercore Solutions Ltd also makes Events, promote Fairs, Workshops, Hackathons, onsite Trainings and Lectures about Fintech, Innovation and Digital Transformation.<\/p>\n<p><a href=\"https:\/\/www.linkedin.com\/in\/denissecuellar\/\"><strong>Denisse<\/strong><\/a> is a Fintech and entrepreneurship enthusiast. She currently works at BCP Bank of Peru building relationships with Fintech and startup ecosystems in Latin America. Graduated from NEOMA Business School and MBA from University of Chicago, she used to be a consultant and strategist in the Financial Services industry and the Fintech sector. She is a blogger and writes for some publications about the Fintech market in Latin America.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Techfoliance is super excited\u00a0to launch\u00a0its new serie [Fintech Brazil]\u00a0with inside success stories\u00a0and analysis\u00a0shared by top local experts and entrepreneurs. Brazil has been lately on top of international headlines. Political instability, corruption scandals and economic recession have been increasing the perception of risk associated to the country and shadowed (to a certain extent) positive developments that [&hellip;]<\/p>\n","protected":false},"author":20,"featured_media":4470,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[551],"tags":[1343,1344,364,1347,1349,1346,1345,1340,1350,1155,1348,1189,1341,365,1342,1201,1351],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>[Fintech Brazil] A large addressable market with significant opportunities - Part I - INVYO Insights Europe : Media Fintech<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insights.invyo.io\/europe\/analyses\/fintech-brazil-a-large-addressable-market-with-significant-opportunities-part-i\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[Fintech Brazil] A large addressable market with significant opportunities - Part I - INVYO Insights Europe : Media Fintech\" \/>\n<meta property=\"og:description\" content=\"Techfoliance is super excited\u00a0to launch\u00a0its new serie [Fintech Brazil]\u00a0with inside success stories\u00a0and analysis\u00a0shared by top local experts and entrepreneurs. Brazil has been lately on top of international headlines. Political instability, corruption scandals and economic recession have been increasing the perception of risk associated to the country and shadowed (to a certain extent) positive developments that [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/insights.invyo.io\/europe\/analyses\/fintech-brazil-a-large-addressable-market-with-significant-opportunities-part-i\/\" \/>\n<meta property=\"og:site_name\" content=\"INVYO Insights Europe\" \/>\n<meta property=\"article:published_time\" content=\"2017-04-06T06:23:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-04-12T17:18:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/04\/Techfoliance_fintech-brazil_part-I.png\" \/>\n\t<meta property=\"og:image:width\" content=\"960\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Isabella Carvalho\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Isabella Carvalho\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/analyses\/fintech-brazil-a-large-addressable-market-with-significant-opportunities-part-i\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/insights.invyo.io\/europe\/analyses\/fintech-brazil-a-large-addressable-market-with-significant-opportunities-part-i\/\"},\"author\":{\"name\":\"Isabella Carvalho\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/#\/schema\/person\/db75fdbae69723a4c1d2b81a063f5da6\"},\"headline\":\"[Fintech Brazil] A large addressable market with significant opportunities &#8211; 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