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Spain is the third European country with the most active fintechs , but it does not have an ecosystem as mature as that of other smaller neighboring countries with fewer competitive advantages. Most experts agree that it is a problem that begins with financial education, but extends to the bad image that the financial sector has been carrying since the previous crisis of 2008. However, they all believe that "it is on the right track" and that Even lagging behind other competitors allows you to learn from your mistakes and not be affected by scandals like Silicon Valley Bank . "There has never been so much innovation coming from such small companies that look to the big ones, both to compete with them and to collaborate.
But the macroeconomic environment is complicating everything, because these types of companies (startups) need financing," Eduardo Peralta contextualizes , co-founder and CEO of Finsei. Fintechs have a challenge in terms of regulation, cybersecurity and technological infrastructure — not to mention the flight of technological talent . But the macroeconomic Malta Phone Number List context defines how many of these fronts tech- based financial entities can address at the same time. "We are in an economic cycle that is not the most positive. There has been a confluence of circumstances that cause certain demands to contract in different contexts and that puts pressure on fintechs, pressure on the rate at which they burn their cash ," points out the Head of Fintech at Visa for Southern Europe, Eva Ruiz.
These are the 3 most important challenges facing the fintech ecosystem right now , according to experts (and protagonists) in the financial sector. Barriers to entrepreneurship "The great challenge in general terms is to make starting a business in Spain easier We do not need to go as far as countries like Ireland, Lithuania or Malta have gone to be able to compete on equal terms. What is necessary is that the entrepreneur is not seen badly and that the barriers to entrepreneurship decrease regardless of specific aspects of regulation in which there are still steps to take and things to improve, even if we are going in the right direction. "We have to identify the barriers to entrepreneurship that prevent us from achieving the successes that other countries have, because it is neither due to a lack of infrastructure nor a lack of and focus a lot on short-term growth opportunities that help them improve their profitability, and that, in turn, perhaps allow them to have more time.
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发表于 2024-2-14 16:30:40