The Fintech ecosystem entered a new maturity phase in which there is a concentration in digital credit verticals and digital payments, which together group more than 70% of the companies in the sector, according to a report from Colombia Fintech.
This finding is consistent with the worldwide trend, where payments and loans continue to be two of the five segments of greatest success and global concentration.
The vertical digital credit is positioned as the largest segment, grouping 38.1% of the companies in the sector, and increasing their participation compared to 2024.
It is followed by verticals of digital payments, which represents 33.3% of the total, and crypto and blockchain, with an 8.7% participation.
These three verticals dominate the panorama, concentrating more than 80% of the entire ecosystem.
Other segments have relative importance in terms of the number of companies: Business Finance and Regtech (regulatory requirements), both with a 5.6% participation of companies. On the other hand, it can be observed that the vertical fins that require licensing to operate have a lower participation, this is due to the difficulty in obtaining the authorization to operate. This is the case of the vertical of Neobancos and Crowdfunding (collaborative financing), which represents 2% and 1.6% of the Ecosystem’s Fintechs, respectively.
The rest of the ecosystem companies are distributed in the PFM segments (Financial Management or Personal Financial Administration) and Mealthtech (Health Technology,) (4%) and Insurtech (1.2%), which show less participation within the total of companies.
Services such as Intermediation in Insurtech (Insurance Technology), the Savings account in Neobancos, the crowdfunding donation model and the consolidation of debts in PFM reach a 100% penetration in their respective sectors, consolidating themselves as the cornerstone on which these industries are built.
Similarly, in the Regtech sector, identity verification (KYC) stands as an almost universal service, with a presence of more than 80%, which underlines the critical importance of regulatory compliance for ecosystem safety.
In contrast, vertical as digital credit show hypersegmentation. While consumption credit is the most widespread, the proliferation of more than 12 specialized products – from financing for vehicles and health to payroll advances – evidences a very specific market attack strategy.
In digital payments there is leadership in the aggregation of payments, an essential service for electronic commerce, and the crypto and blockchain sector leans towards the provision of infrastructure and exchange services such as its main value offers.
Neobancos offer different class collection products and usually present higher remuneration rates than traditional banks, since due to their tencological leverage they reduce the intermediation margin maintaining profitability. Within these products are savings accounts (offered by 100%), low -amount deposits (offered by 50%) that are simplified accounts, and term deposit certificates (CDT) for fixed -term investments (offered by 50%).
As for payment means, the neoboncos provide debit cards (50%) and credit cards (50%) with full management from the app and also offer consumer credits agilely.
