In an avg YCombinator cohort FinTech went from 7% to 24% in 11 yrs.

I’m intrigued that this growth is exclusive of Blockchain, cleanly sidestepping irrational exuberance

YCombinator Cohort wise sector distribution over the years

My take:
While Regulators in India & US are both catching up with how FinTech startups work, I believe regulatory overhaul is actually better because it allows more founders to move from “uncertainty” to “here’s what you can and cannot do” and then founders can design within the new constraints.

YCombinator Cohort wise FinTech distribution over the years

Also, interesting to note the evolution sub-sectors within FinTech (img 2) that shows growth from Payments and Consumer Finance (lending) to Banking, Asset Management and InsureTech.

These are all areas of interest to me and glad that YC’s data is in line.

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