GET https://rct.dev.bbntimes.com/financial/accelerated-disruption-in-fintech

Response
200 OK
IP
18.191.18.220
Profiled on
Token
888c74

ArticleController :: show

Request

GET Parameters

None

POST Parameters

None

Uploaded Files

None

Request Attributes

Key Value
_controller 
"App\Controller\ArticleController::show"
_firewall_context 
"security.firewall.map.context.main"
_links 
Symfony\Component\WebLink\GenericLinkProvider {#3548
  -links: [
    3669 => Symfony\Component\WebLink\Link {#3669
      -href: "/build/runtime.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3667 => Symfony\Component\WebLink\Link {#3667
      -href: "/build/644.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3666 => Symfony\Component\WebLink\Link {#3666
      -href: "/build/502.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3665 => Symfony\Component\WebLink\Link {#3665
      -href: "/build/app.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
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      ]
    }
    3664 => Symfony\Component\WebLink\Link {#3664
      -href: "/build/view-more.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3663 => Symfony\Component\WebLink\Link {#3663
      -href: "/build/term-condition.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3662 => Symfony\Component\WebLink\Link {#3662
      -href: "/build/contact.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3661 => Symfony\Component\WebLink\Link {#3661
      -href: "/build/scroll-infinite-article.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3660 => Symfony\Component\WebLink\Link {#3660
      -href: "/build/app.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3659 => Symfony\Component\WebLink\Link {#3659
      -href: "/build/cookie-style.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3658 => Symfony\Component\WebLink\Link {#3658
      -href: "/build/term-condition-css.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3657 => Symfony\Component\WebLink\Link {#3657
      -href: "/build/contact-css.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3656 => Symfony\Component\WebLink\Link {#3656
      -href: "/build/comment-css.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
  ]
}
_route 
"article_show"
_route_params 
[
  "category" => "financial"
  "slug" => "accelerated-disruption-in-fintech"
]
_security_firewall_run 
"_security_main"
_stopwatch_token 
"b0b0ee"
category 
"financial"
slug 
"accelerated-disruption-in-fintech"

Request Headers

Header Value
accept 
"*/*"
accept-encoding 
"gzip, br, zstd, deflate"
connection 
"close"
cookie 
"PHPSESSID=etdtlpgl0q6292s34iiariqnhm"
host 
"rct.dev.bbntimes.com"
user-agent 
"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)"
x-php-ob-level 
"1"

Request Content

Request content not available (it was retrieved as a resource).

Response

Response Headers

Header Value
cache-control 
"no-cache, private"
content-type 
"text/html; charset=UTF-8"
date 
"Sat, 22 Feb 2025 08:44:30 GMT"
link 
"</build/runtime.js>; rel="preload"; as="script",</build/644.js>; rel="preload"; as="script",</build/502.js>; rel="preload"; as="script",</build/app.js>; rel="preload"; as="script",</build/view-more.js>; rel="preload"; as="script",</build/term-condition.js>; rel="preload"; as="script",</build/contact.js>; rel="preload"; as="script",</build/scroll-infinite-article.js>; rel="preload"; as="script",</build/app.css>; rel="preload"; as="style",</build/cookie-style.css>; rel="preload"; as="style",</build/term-condition-css.css>; rel="preload"; as="style",</build/contact-css.css>; rel="preload"; as="style",</build/comment-css.css>; rel="preload"; as="style""
x-debug-token 
"888c74"

Cookies

Request Cookies

Key Value
PHPSESSID 
"etdtlpgl0q6292s34iiariqnhm"

Response Cookies

No response cookies

Session 6

Session Metadata

Key Value
Created 
"Sat, 22 Feb 25 08:44:19 +0000"
Last used 
"Sat, 22 Feb 25 08:44:28 +0000"
Lifetime 
0

Session Attributes

Attribute Value
_csrf/https-comment 
"QI2PWRliu8yLWrXyVDksmU9QnsIKqUWwMTgo2x9PNck"
_csrf/https-cookie_accept 
"YIgQ8lWlulwVGSJALivO9Ci3hgYft8U7RaP_Thr92IY"

Session Usage

6 Usages
Stateless check enabled
Usage
Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:76
Show trace 
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    "function" => "require_once"
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:79
Show trace 
[
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/security-csrf/TokenStorage/SessionTokenStorage.php"
    "line" => 79
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:52
Show trace 
[
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/security-csrf/TokenStorage/SessionTokenStorage.php"
    "line" => 52
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:56
Show trace 
[
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    "type" => "->"
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    "line" => 76
    "function" => "handleRaw"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
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    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/Kernel.php"
    "line" => 197
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/runtime/Runner/Symfony/HttpKernelRunner.php"
    "line" => 35
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\Kernel"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
    "line" => 29
    "function" => "run"
    "class" => "Symfony\Component\Runtime\Runner\Symfony\HttpKernelRunner"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/public/index.php"
    "line" => 5
    "args" => [
      "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
    ]
    "function" => "require_once"
  ]
]
Symfony\Component\Security\Core\Authentication\Token\Storage\UsageTrackingTokenStorage:41
Show trace 
[
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/security-core/Authentication/Token/Storage/UsageTrackingTokenStorage.php"
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    "function" => "getMetadataBag"
    "class" => "Symfony\Component\HttpFoundation\Session\Session"
    "type" => "->"
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    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/twig-bridge/AppVariable.php"
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    "function" => "render"
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    "function" => "render"
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    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
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    "function" => "render"
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    "function" => "renderHeader"
    "class" => "App\Controller\AppController"
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  [
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    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
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  [
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    "function" => "render"
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  [
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  [
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    "function" => "display"
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    "class" => "Twig\Template"
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  ]
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    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/twig/twig/src/Template.php"
    "line" => 379
    "function" => "display"
    "class" => "Twig\Template"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/twig/twig/src/TemplateWrapper.php"
    "line" => 38
    "function" => "render"
    "class" => "Twig\Template"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/twig/twig/src/Environment.php"
    "line" => 280
    "function" => "render"
    "class" => "Twig\TemplateWrapper"
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  [
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    "function" => "render"
    "class" => "Twig\Environment"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/framework-bundle/Controller/AbstractController.php"
    "line" => 453
    "function" => "doRenderView"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/framework-bundle/Controller/AbstractController.php"
    "line" => 253
    "function" => "doRender"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
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  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/src/Controller/ArticleController.php"
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    "function" => "render"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 181
    "function" => "show"
    "class" => "App\Controller\ArticleController"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 76
    "function" => "handleRaw"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
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  [
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    "line" => 197
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/runtime/Runner/Symfony/HttpKernelRunner.php"
    "line" => 35
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\Kernel"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
    "line" => 29
    "function" => "run"
    "class" => "Symfony\Component\Runtime\Runner\Symfony\HttpKernelRunner"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/public/index.php"
    "line" => 5
    "args" => [
      "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
    ]
    "function" => "require_once"
  ]
]
Symfony\Component\Security\Http\Firewall\ContextListener:171
Show trace 
[
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/security-http/Firewall/ContextListener.php"
    "line" => 171
    "function" => "remove"
    "class" => "Symfony\Component\HttpFoundation\Session\Session"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/event-dispatcher/Debug/WrappedListener.php"
    "line" => 116
    "function" => "onKernelResponse"
    "class" => "Symfony\Component\Security\Http\Firewall\ContextListener"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/event-dispatcher/EventDispatcher.php"
    "line" => 220
    "function" => "__invoke"
    "class" => "Symfony\Component\EventDispatcher\Debug\WrappedListener"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/event-dispatcher/EventDispatcher.php"
    "line" => 56
    "function" => "callListeners"
    "class" => "Symfony\Component\EventDispatcher\EventDispatcher"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/event-dispatcher/Debug/TraceableEventDispatcher.php"
    "line" => 139
    "function" => "dispatch"
    "class" => "Symfony\Component\EventDispatcher\EventDispatcher"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 214
    "function" => "dispatch"
    "class" => "Symfony\Component\EventDispatcher\Debug\TraceableEventDispatcher"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 202
    "function" => "filterResponse"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 76
    "function" => "handleRaw"
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    "type" => "->"
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  [
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    "function" => "handle"
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    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
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    "function" => "run"
    "class" => "Symfony\Component\Runtime\Runner\Symfony\HttpKernelRunner"
    "type" => "->"
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  [
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      "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
    ]
    "function" => "require_once"
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]

Flashes

Flashes

No flash messages were created.

Server Parameters

Server Parameters

Defined in .env

Key Value
APP_ENV 
"dev"
APP_SECRET 
"0a988e63f011514eaabfc650b599af4d"
CORS_ALLOW_ORIGIN 
"*"
DATABASE_URL 
"mysql://bbndb_rctuser:33F5W25z40or0f7@localhost:3306/rct_bbntimes"
GOOGLE_RECAPTCHA_SECRET_KEY 
"6LdV5fgpAAAAANxzTG8ZMfIjil1wu-1vrQvnUt-x"
GOOGLE_RECAPTCHA_SITE_KEY 
"6LdV5fgpAAAAAENKcn73MJAhQrbtQeqgyC4wDLMP"
MAILER_DSN 
"smtp://no-reply%40rct.dev.bbntimes.com:Bl6%26gLD48%26Of919@rct.dev.bbntimes.com:465"
MARIADB_PASSWORD 
"i!87pK&!85ezc8"

Defined as regular env variables

Key Value
APP_DEBUG 
"1"
BASE 
"/public"
CONTEXT_DOCUMENT_ROOT 
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com"
CONTEXT_PREFIX 
""
DOCUMENT_ROOT 
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com"
FCGI_ROLE 
"RESPONDER"
GATEWAY_INTERFACE 
"CGI/1.1"
HTTPS 
"on"
HTTP_ACCEPT 
"*/*"
HTTP_ACCEPT_ENCODING 
"gzip, br, zstd, deflate"
HTTP_CONNECTION 
"close"
HTTP_COOKIE 
"PHPSESSID=etdtlpgl0q6292s34iiariqnhm"
HTTP_HOST 
"rct.dev.bbntimes.com"
HTTP_USER_AGENT 
"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)"
PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY 
"0"
PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY 
"0"
PATH 
"/usr/local/sbin:/usr/local/bin:/usr/sbin:/usr/bin:/sbin:/bin:/snap/bin"
PHP_SELF 
"/public/index.php"
PP_CUSTOM_PHP_CGI_INDEX 
"plesk-php81-fastcgi"
PP_CUSTOM_PHP_INI 
"/var/www/vhosts/system/rct.dev.bbntimes.com/etc/php.ini"
QUERY_STRING 
""
REDIRECT_BASE 
"/public"
REDIRECT_HTTPS 
"on"
REDIRECT_PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_REDIRECT_HTTPS 
"on"
REDIRECT_REDIRECT_PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_REDIRECT_PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_REDIRECT_SCRIPT_URI 
"https://rct.dev.bbntimes.com/financial/accelerated-disruption-in-fintech"
REDIRECT_REDIRECT_SCRIPT_URL 
"/financial/accelerated-disruption-in-fintech"
REDIRECT_REDIRECT_SSL_TLS_SNI 
"rct.dev.bbntimes.com"
REDIRECT_REDIRECT_STATUS 
"200"
REDIRECT_REDIRECT_UNIQUE_ID 
"Z7mObriBoyj8JZ8-HGxwagAAAA8"
REDIRECT_SCRIPT_URI 
"https://rct.dev.bbntimes.com/financial/accelerated-disruption-in-fintech"
REDIRECT_SCRIPT_URL 
"/financial/accelerated-disruption-in-fintech"
REDIRECT_SSL_TLS_SNI 
"rct.dev.bbntimes.com"
REDIRECT_STATUS 
"200"
REDIRECT_UNIQUE_ID 
"Z7mObriBoyj8JZ8-HGxwagAAAA8"
REDIRECT_URL 
"/public/financial/accelerated-disruption-in-fintech"
REMOTE_ADDR 
"18.191.18.220"
REMOTE_PORT 
"36362"
REQUEST_METHOD 
"GET"
REQUEST_SCHEME 
"https"
REQUEST_TIME 
1740213870
REQUEST_TIME_FLOAT 
1740213870.3715
REQUEST_URI 
"/financial/accelerated-disruption-in-fintech"
SCRIPT_FILENAME 
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/public/index.php"
SCRIPT_NAME 
"/public/index.php"
SCRIPT_URI 
"https://rct.dev.bbntimes.com/financial/accelerated-disruption-in-fintech"
SCRIPT_URL 
"/financial/accelerated-disruption-in-fintech"
SERVER_ADDR 
"5.196.1.209"
SERVER_ADMIN 
"[no address given]"
SERVER_NAME 
"rct.dev.bbntimes.com"
SERVER_PORT 
"443"
SERVER_PROTOCOL 
"HTTP/1.1"
SERVER_SIGNATURE 
"<address>Apache Server at rct.dev.bbntimes.com Port 443</address>\n"
SERVER_SOFTWARE 
"Apache"
SSL_TLS_SNI 
"rct.dev.bbntimes.com"
SYMFONY_DOTENV_VARS 
"APP_ENV,APP_SECRET,DATABASE_URL,MARIADB_PASSWORD,CORS_ALLOW_ORIGIN,MAILER_DSN,GOOGLE_RECAPTCHA_SECRET_KEY,GOOGLE_RECAPTCHA_SITE_KEY"
UNIQUE_ID 
"Z7mObriBoyj8JZ8-HGxwagAAAA8"

Sub Requests 6

CookieController :: renderAnalysis (token = e6d104)

Key Value
_controller 
"App\Controller\CookieController::renderAnalysis"
_format 
"html"
_locale 
"en"
_stopwatch_token 
"83694a"

AppController :: renderHeader (token = 409c22)

Key Value
_controller 
"App\Controller\AppController::renderHeader"
_format 
"html"
_locale 
"en"
_stopwatch_token 
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ArticleController :: trendingArticle (token = 784f0f)

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"App\Controller\ArticleController::trendingArticle"
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category 
"Finance"

ArticleController :: relatedArticles (token = cf664d)

Key Value
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"App\Controller\ArticleController::relatedArticles"
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"d639cf"
current_article 
App\Entity\Article {#1094
  -id: 12680
  -title: "Accelerated Disruption in FinTech"
  -slug: "accelerated-disruption-in-fintech"
  -introtext: "<p>The use of mobile wallets is just one of the signals of the fintech disruption globally.</p>\r\n"
  -content: """
    \r\n
    <p id="9356" class="pw-post-body-paragraph jd je ig jf b jg jh ji jj jk jl jm jn jo jp jq jr js jt ju jv jw jx jy jz ka hz gh" data-selectable-paragraph>In 2019 global venture capital investment in&nbsp;Fintech totaled at least $33.9 Billion.</p>\r\n
    <p id="9356" class="pw-post-body-paragraph jd je ig jf b jg jh ji jj jk jl jm jn jo jp jq jr js jt ju jv jw jx jy jz ka hz gh" data-selectable-paragraph>For years the incumbent players had been warning the sector that when the next recession hit, or when #Fintechs faced a “real” crisis, that the sector would at worst collapse, and at best see a whole bevy of fintech players disappear. As the pandemic impacted the world we’ve seen headlines like&nbsp;<strong class="jf ih">“</strong><a class="au kc" href="https://www.fintechfutures.com/2020/06/covid-19-will-fintechs-crash-survive-or-get-bought/" target="_blank" rel="noopener ugc nofollow"><strong class="jf ih">COVID-19: will Fintechs crash, survive or get bought?</strong></a><strong class="jf ih">”</strong>,<strong class="jf ih">“</strong><a class="au kc" href="https://www.cnbc.com/2021/11/18/many-signs-that-fintech-is-in-a-bubble-jc-flowers-ceo-says.html" target="_blank" rel="noopener ugc nofollow"><strong class="jf ih">There are many signs that fintech is in a bubble, billionaire investor Flowers says</strong></a><strong class="jf ih">”,&nbsp;</strong>and the perennial&nbsp;<strong class="jf ih">“</strong><a class="au kc" href="https://www.ft.com/content/92fddc33-536c-47e5-85e3-2041b785dd81" target="_blank" rel="noopener ugc nofollow"><strong class="jf ih">Is the fintech bubble bursting?</strong></a><strong class="jf ih">”&nbsp;</strong>even prior to the pandemic from the good ole FT (FinancialTimes). And while 2020 started off with a global recession that saw fintech investments cool, 2021 was a completely different story, much to the chagrin of many of the traditional players.</p>\r\n
    <p id="21b9" class="pw-post-body-paragraph jd je ig jf b jg jh ji jj jk jl jm jn jo jp jq jr js jt ju jv jw jx jy jz ka hz gh" data-selectable-paragraph>In 2021 Fintech investment ballooned,&nbsp;<a class="au kc" href="https://www.spglobal.com/marketintelligence/en/news-insights/research/venture-capital-funding-to-us-fintechs-roughly-doubled-in-2021" target="_blank" rel="noopener ugc nofollow">more than doubling the best previous year</a>&nbsp;on record. In fact, 1 in 5 venture capital dollars raised in 2021 went into the fintech space.</p>\r\n
    <p id="6586" class="jd je kb jf b jg jh ji jj jk jl jm jn kv jp jq jr kw jt ju jv kx jx jy jz ka hz gh quote-left" data-selectable-paragraph>In 2021, global fintech funding jumped to a new record of $131.5 billion across 4,969 deals. That compares to $49 billion across 3,491 deals in 2020. As you can see, the pace at which capital was invested into fintech startups in 2021 grew much more rapidly than total deal count, leading to larger rounds on average. The CB Insights data that we’re citing here also helps put the pace of fintech investing into context compared to its peer startup groups, with financial technology companies raising one in every five venture capital dollars last year, or some 21%.</p>\r\n
    <p class="jd je kb jf b jg jh ji jj jk jl jm jn kv jp jq jr kw jt ju jv kx jx jy jz ka hz gh" data-selectable-paragraph><br /><strong class="jf ih quote-right">TechCrunch,&nbsp;<strong class="jf ih">The berserk pace of fintech investing outshines the global VC boom, Jan 2020</strong></strong></p>\r\n
    <h2 id="984a" class="ky kz ig bm la lb lc ld le lf lg lh li lj lk ll lm ln lo lp lq lr ls lt lu lv gh"><strong class="ba">The Fastest Growing FI’s are all Digital</strong></h2>\r\n
    <p id="82c8" class="pw-post-body-paragraph jd je ig jf b jg lw ji jj jk lx jm jn jo ly jq jr js lz ju jv jw ma jy jz ka hz gh" data-selectable-paragraph>It’s not just the pace of investment either. Obviously fintech offered critical utility as the pandemic hit and consumers around the globe became more dependent than ever on e-commerce, mobile wallets, mobile money platforms and the like. But something more fundamental was also happening.</p>\r\n
    <p id="6cd8" class="pw-post-body-paragraph jd je ig jf b jg jh ji jj jk jl jm jn jo jp jq jr js jt ju jv jw jx jy jz ka hz gh" data-selectable-paragraph>Challenger Banks and Fintech startups around the world posted some massive rounds, with NYDIG raising a&nbsp;<a class="au kc" href="https://nydig.com/news/nydig-announces-1-billion-funding-round" target="_blank" rel="noopener ugc nofollow">$1Bn growth equity round</a>&nbsp;as a target="_blank" suitable exclamation point to a huge year. But other notable raises included</p>\r\n
    <ul class="">\r\n
    <li id="d6b4" class="mb mc ig jf b jg jh jk jl jo md js me jw mf ka mg mh mi mj gh" data-selectable-paragraph>\r\n
    <p>June —<a class="au kc" href="https://techcrunch.com/2021/06/08/fintech-all-star-nubank-raises-a-750m-mega-round/" target="_blank" rel="noopener ugc nofollow">&nbsp;NuBank raises $750m at a $30Bn valuation</a></p>\r\n
    </li>\r\n
    <li id="ffeb" class="mb mc ig jf b jg mk jk ml jo mm js mn jw mo ka mg mh mi mj gh" data-selectable-paragraph>\r\n
    <p>July —&nbsp;<a class="au kc" href="https://techcrunch.com/2021/07/15/revolut-confirms-a-fresh-800m-in-funding-at-a-33b-valuation-to-supercharge-its-financial-services-superapp/" target="_blank" rel="noopener ugc nofollow">Revolut raises $800m at a $33Bn valuation</a></p>\r\n
    </li>\r\n
    <li id="9c18" class="mb mc ig jf b jg mk jk ml jo mm js mn jw mo ka mg mh mi mj gh" data-selectable-paragraph>\r\n
    <p>August —&nbsp;<a class="au kc" href="https://member.fintech.global/2022/03/01/chime-tops-the-list-of-most-popular-us-challenger-banks/" target="_blank" rel="noopener ugc nofollow">Chime raises $750m at a $25Bn valuation</a></p>\r\n
    </li>\r\n
    <li id="4563" class="mb mc ig jf b jg mk jk ml jo mm js mn jw mo ka mg mh mi mj gh" data-selectable-paragraph>\r\n
    <p>October —&nbsp;<a class="au kc" href="https://techcrunch.com/2021/10/18/challenger-bank-n26-raises-900-million-at-9-billion-valuation/" target="_blank" rel="noopener ugc nofollow">N26 raises $900m at a $9Bn valuation</a></p>\r\n
    </li>\r\n
    <li id="8257" class="mb mc ig jf b jg mk jk ml jo mm js mn jw mo ka mg mh mi mj gh" data-selectable-paragraph>\r\n
    <p>December —&nbsp;<a class="au kc" href="https://www.businessinsider.com/monzo-bank-raises-500-million-4-5-billion-valuation-2021-12" target="_blank" rel="noopener ugc nofollow">Monzo raises $500m at a $4.5Bn valuation</a></p>\r\n
    </li>\r\n
    </ul>\r\n
    <p id="a9fc" class="pw-post-body-paragraph jd je ig jf b jg jh ji jj jk jl jm jn jo jp jq jr js jt ju jv jw jx jy jz ka hz gh" data-selectable-paragraph>Backed by players like Warren Buffet, NuBank (NYSE:“NU”) then went on to IPO on the NYSE at a&nbsp;<a class="au kc" href="https://www.cnbc.com/2021/12/09/buffett-backed-nubank-rises-in-trading-on-the-nyse-in-blockbuster-ipo.html" target="_blank" rel="noopener ugc nofollow">whopping $50Bn valuation</a>, up more than 15% on its opening. Why is this significant?</p>\r\n
    <p id="73ca" class="pw-post-body-paragraph jd je ig jf b jg jh ji jj jk jl jm jn jo jp jq jr js jt ju jv jw jx jy jz ka hz gh" data-selectable-paragraph>With this raise NuBank became the most valuable bank in the Latin American market, surpassing&nbsp;<strong class="jf ih">Itaú Unibanco</strong>&nbsp;a 100 year old Brazilian bank that is valued at around $40Bn today. Much to the irritation of industry commentators like Reuters, this news was greeted with broad disbelief and even claims that they had become the&nbsp;<a class="au kc" href="https://www.reuters.com/markets/asia/nubank-becomes-latams-biggest-riskiest-bank-2021-12-09" target="_blank" rel="noopener ugc nofollow">“riskiest bank”</a>&nbsp;in LatAm. But is that really an accurate assessment of these big valuations?</p>\r\n
    <h2 id="2314" class="ky kz ig bm la lb lc ld le lf lg lh li lj lk ll lm ln lo lp lq lr ls lt lu lv gh">Digital Scaling — The Killer App</h2>\r\n
    <p id="e732" class="pw-post-body-paragraph jd je ig jf b jg lw ji jj jk lx jm jn jo ly jq jr js lz ju jv jw ma jy jz ka hz gh" data-selectable-paragraph>NuBank, Revolut, Chime, N26, Monzo, Wise, NYDIG and thousands of other Fintech startups globally are growing like never before thanks to increased digital adoption that only accelerated during the pandemic. NuBank became the largest bank in LatAm not because of an overheated fintech bubble, but because NuBank’s fundamentals fit much more closely with digital-first economies of the 21st century, versus the outmoded metrics we typically applied to banks in the last century.</p>\r\n
    <p id="346f" class="pw-post-body-paragraph jd je ig jf b jg jh ji jj jk jl jm jn jo jp jq jr js jt ju jv jw jx jy jz ka hz gh" data-selectable-paragraph>Measures like return on equity, deposits, non-performing loan ratios, and other such standards made sense in the heavily regulated and constrained pre-internet, pre-mobile worlds. But in the post-pandemic world we’re hearing about digital customer acquisition costs, scaling, engagement, referral and tech stack-based operational efficiency gains. NuBank grew from 40 million users to 48 million users just in 2021 alone, clearly on a trajectory to surpass Itaú with their 55 million customer base<strong class="jf ih">.&nbsp;</strong>This ability to scale digitally is what is setting these “challengers” apart from their traditional competitors, and is also why incumbents should see that 2021 was not an anomalous event, but the market responding to a reshaping of financial services through technology adoption.</p>\r\n
    <p id="a6cd" class="pw-post-body-paragraph jd je ig jf b jg jh ji jj jk jl jm jn jo jp jq jr js jt ju jv jw jx jy jz ka hz gh" data-selectable-paragraph>For more than half of NuBank’s customer base, the bank now represents their primary bank — a long held core goal for most major brands in the space. Their blended acquisition cost was just $5/customer, in an industry where&nbsp;<a class="au kc" href="https://ark-invest.com/articles/analyst-research/digital-wallets/" target="_blank" rel="noopener ugc nofollow">$350–1,000 acquisition costs</a>&nbsp;are considered the “cost of doing business”. What about credit risk? NuBank‘s credit card delinquency rate was more than&nbsp;<a class="au kc" href="https://www.sec.gov/Archives/edgar/data/0001691493/000119312521314359/d213207df1.htm" target="_blank" rel="noopener ugc nofollow">30% lower than their counterparts</a>.</p>\r\n
    <p id="ba46" class="pw-post-body-paragraph jd je ig jf b jg jh ji jj jk jl jm jn jo jp jq jr js jt ju jv jw jx jy jz ka hz gh" data-selectable-paragraph>Yet, NuBank isn’t the largest challenger bank in the world. WeBank in China is already valued at almost $70Bn and has&nbsp;<a class="au kc" href="https://thefinancialbrand.com/banking-podcasts/webank-digital-fintech-china-banking-transformed-podcast-henry-ma/#:~:text=an%20industry%20best.-,Today%2C%20WeBank%20has%20over%20200%20million%20customers%20and%20is%20the,underserved%20individuals%20and%20small%20businesses." target="_blank" rel="noopener ugc nofollow">more than 200 million customers</a>&nbsp;today, twice that of JP Morgan Chase, the largest US retail bank. But even that impressive growth is insignificant compared with Ant Group, that is&nbsp;<a class="au kc" href="https://economictimes.indiatimes.com/markets/ipos/fpos/investors-value-chinas-ant-group-at-over-200-bn-after-ipo-halt-sources/articleshow/81534021.cms" target="_blank" rel="noopener ugc nofollow">valued at more than $220Bn today</a>, with more than 1.6Bn customers globally.</p>\r\n
    <h2 id="2456" class="ky kz ig bm la lb lc ld le lf lg lh li lj lk ll lm ln lo lp lq lr ls lt lu lv gh">The First Trillion Dollar Bank?</h2>\r\n
    <p id="0dac" class="pw-post-body-paragraph jd je ig jf b jg lw ji jj jk lx jm jn jo ly jq jr js lz ju jv jw ma jy jz ka hz gh" data-selectable-paragraph>Clearly, the potential growth of players like NuBank, WeBank, Ant, Revolut and others is the fact that they can enter new markets relatively easily due to the fact they don’t require branch networks or agents to enable distribution. The market has already recognized that customer behavior has shifted to digital-first during the pandemic, and players designed from the ground up for the digital world have significant advantages in acquisition, operations, customer experience and servicing capabilities. In 2018 WeBank already handled&nbsp;<a class="au kc" href="https://www.pymnts.com/innovation/2018/webank-online-bank-ai-robots-customer-service/" target="_blank" rel="noopener ugc nofollow">98% of its daily customer support enquiries via AI</a>, as an example.</p>\r\n
    <p id="efd2" class="pw-post-body-paragraph jd je ig jf b jg jh ji jj jk jl jm jn jo jp jq jr js jt ju jv jw jx jy jz ka hz gh" data-selectable-paragraph>The fact is, the world’s largest companies today are all technology players. It’s only natural that when we look out to the end of this decade that we’re much more likely to see one of these fintechs becoming the first trillion dollar valuation bank or FI, than we are an incumbent. In fact, with the market share already gained by challenger banks in their respective markets, it’s almost guaranteed that ICBC, CCB, ABC, BoC, JPMC will soon be overtaken by many of these so-called ‘startups’.</p>\r\n
    <p id="5df1" class="pw-post-body-paragraph jd je ig jf b jg jh ji jj jk jl jm jn jo jp jq jr js jt ju jv jw jx jy jz ka hz gh" data-selectable-paragraph>The boom of 2021 was not a sign that fintech is in a bubble, although the current geo-political situation no doubt will cool off general investor sentiment. The boom of 2021 was the market realization that you need to acquire customers at digital scale to remain relevant in the 21st century.</p>\r\n
    <p id="aaa1" class="pw-post-body-paragraph jd je ig jf b jg jh ji jj jk jl jm jn jo jp jq jr js jt ju jv jw jx jy jz ka hz gh" data-selectable-paragraph>The rules have changed — disruption rules!</p>\r\n
    <p>&nbsp;</p>\r\n
    <p><em class="kb">Disclaimer: This article is sponsored by the&nbsp;</em><a class="au kc" href="https://www.qlik.com/blog/" target="_blank" rel="noopener ugc nofollow"><em class="kb">Qlik Data Brilliant Podcast</em></a>.</p>
    """
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AppController :: renderFooter (token = 1dcc8b)

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"App\Controller\AppController::renderFooter"
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"dadd38"

CookieController :: renderCookie (token = 3e00b2)

Key Value
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"App\Controller\CookieController::renderCookie"
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"e86f38"