Startup Wise Guys and EIT Digital have released their annual Baltic Startup Scene report, outlining the state of the Baltic startup ecosystem and the progress made over the past year.
Amid COVID-19, the Baltics’ fintech sector saw a particular increase in the number of startups dealing with lending and debt, wealth management, insurtech, regtech and small and midsize business (SMB) finance, the research found.
The year also saw the emergence of startups focusing on sustainable finance as well as finance for specific societal subsections, including the aging population, kids and unbanked individuals.
One notable trend in 2020 was embedded fintech where financial services, rather than being offered as standalone products, are part of the native user interface of other products, becoming thus embedded. This is making it increasingly difficult to differentiate between pure fintech players versus software companies with financial consumer products and features.
Source: Fintech baltic
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