I finally took the time to read the BCG report and re-assess the main findings. In many ways, I agree with the report, with some corrections.

- The main rapidly growing regions for Fintech by 2030 will be Asia-Pacific (8.5x), Africa (13x) and LatAm (12.5x) while Europe will develop much more slowly (only 4x). By the end of 2030 Asia-Pacific should hit the revenue of North American Fintech ($600B vs $520B).

- The focus will switch from Payments to B2B2X, which will mainly driven by DLT and crypto. Overall I'd expect huge players like Visa & MasterCard bring new products to the table through fiat-crypto payments.

- CAGR of Average Valuation has been reached in 2021 and from Q2 2021 to Q4 2022 CAGR dropped by 55%. This could be a worrying fact for the companies that purely rely on investors fundings. New funding has decreased by 43% however I'd say that there is still some money in the market. My companies are not looking for funding but more and more we are getting the offers of those.

- According to the research in 2020 only 20 out of 453 Digital Challenger banks were profitable and the half of those are in Asia. The worrying fact that in EEA only Bunq is profitable. (Not related to the report, but today CFO of Revolut has officially quitted).

- My expectations of new potentially disruptive products : crypto-backed FIAT lending (I has been exploring this topic for quite a while and now waiting for right inspiration/opportunities).

What are your thoughts on the future fintech trends for the next 5-7 years?