Robeco, The Investments Engineers
802320836.jpg

Thematic Investing

FinTech

Digitalization has hit the financial services sector, creating attractive growth opportunities for the transformative technologies of fintech companies.


1.9

billion, adults locked out of banking services (2021)

32

% of e-commerce transactions in the US executed via digital wallets

7

% compounded annual growth rate of bank spending on software services through 2025

Why invest in fintech?

Cash used to be king in business, but the rise of e-commerce and e-wallets mean cashless payments may soon dominate purchases. A similar story is playing out within the hallowed halls of finance, where legacy lenders and industry stalwarts face disruption from nimble upstarts which are low on overhead and high on tech savvy. Low costs, intuitive interfaces, and easy access are key features in attracting next-gen and emerging market clients, which are underpenetrated markets set for tremendous growth in the coming decades.

The strategy

The FinTech strategy invests in digital payment systems with the scale and know-how to process transactions with speed and low cost. This is opening huge opportunities among underbanked populations in emerging markets but also low-margin segments in developed ones. It also invests in the companies providing third-party (cloud) solutions which are collaborating with big banking conglomerates to revamp and streamline their fragmented legacy systems serving disparate customers globally.

Data sharing is another important growth channel within fintech. From company fundamentals and ESG performance, to credit trends and market analytics, data is indispensable for helping financial companies gain insights for developing new products and managing investments. Data providers are increasingly monetizing their financial information, using subscription-based revenue models to provide stable and predictable sources of income. Finally, cybersecurity is also a critical area of investment to protect consumers and firms as assets move from physical vaults to digital bits.

Secure long-term growth with an investment in FinTech and the future of finance.


loader

Fintech Investment Opportunity

The Robeco Fintech strategy offers a unique opportunity to monetize growing digitization in the financial sector.

Download the investment opportunity

This report is not available for users from countries where the offering of foreign financial services is not permitted, such as US Persons. Your details are not shared with third parties. This information is exclusively intended for professional investors. All requests are checked.

Fintech Investment Opportunity

Let's keep the conversation going

Keep track of fast-moving events in sustainable and quantitative investing, trends and credits with our newsletters.

Stay updated
Robeco

Robeco aims to enable its clients to achieve their financial and sustainability goals by providing superior investment returns and solutions.

Important information This disclaimer applies to any documents and the verbal or written comments of any person in presentations or webinars on this website and taken together is referred to herein as the “Information”. The services to which the Information relate are NOT FOR RETAIL CLIENTS - The information contained in the Website is solely intended for professional investors, defined as investors which (1) qualify as professional clients within the meaning of the Markets in Financial Instruments Directive (MiFID), (2) have requested to be treated as professional clients within the meaning of the MiFID or (3) are authorized to receive such information under any other applicable laws and must not be relied or acted upon by any other persons. This Information does not constitute an offer to sell, or a solicitation of an offer to buy, any financial product, and may not be relied upon in connection with the purchase or sale of any financial product. You are cautioned against using this Information as the basis for making a decision to purchase any financial product. To the extent that you rely on the Information in connection with any investment decision, you do so at your own risk. The Information does not purport to be complete on any topic addressed. The Information may contain data or analysis prepared by third parties and no representation or warranty about the accuracy of such data or analysis is provided.
In all cases where historical performance is presented, please note that past performance is not a reliable indicator of future results and should not be relied upon as the basis for making an investment decision. Investors may not get back the amount originally invested. Neither Robeco Institutional Asset Management B.V. nor any of its affiliates guarantees the performance or the future returns of any investments. If the currency in which the past performance is displayed differs from the currency of the country in which you reside, then you should be aware that due to exchange rate fluctuations the performance shown may increase or decrease if converted into your local currency. Robeco Institutional Asset Management B.V. (“Robeco”) expressly prohibits any redistribution of the Information without the prior written consent of Robeco. The Information is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use is contrary to law, rule or regulation. Certain information contained in the Information includes calculations or figures that have been prepared internally and have not been audited or verified by a third party. Use of different methods for preparing, calculating or presenting information may lead to different results. Robeco Institutional Asset Management UK Limited (“RIAM UK”) is authorised and regulated by the Financial Conduct Authority. RIAM UK, 30 Fenchurch Street, Part Level 8, London EC3M 3BD (FCA Reference No:1007814). The company is registered in England and Wales under Ref No. 15362605.

In all cases where historical performance is presented, please note that past performance is not a reliable indicator of future results and should not be relied upon as the basis for making an investment decision. Investors may not get back the amount originally invested. Neither Robeco Institutional Asset Management B.V. nor any of its affiliates guarantees the performance or the future returns of any investments. If the currency in which the past performance is displayed differs from the currency of the country in which you reside, then you should be aware that due to exchange rate fluctuations the performance shown may increase or decrease if converted into your local currency. Robeco Institutional Asset Management B.V. (“Robeco”) expressly prohibits any redistribution of the Information without the prior written consent of Robeco. The Information is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use is contrary to law, rule or regulation. Certain information contained in the Information includes calculations or figures that have been prepared internally and have not been audited or verified by a third party. Use of different methods for preparing, calculating or presenting information may lead to different results. Robeco Institutional Asset Management B.V. is authorised as a manager of UCITS and AIFs by the Netherlands Authority for the Financial Markets and subject to limited regulation in the UK by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request.