Watch the video version on YouTube:

https://www.youtube.com/watch?v=vgYg4tPP48A

In this episode of The London Fintech Podcast, Tony Clark sits down with Aman Ghei to look at the state of Fintech in Europe.

Aman shares his journey from M&A banking, working at Accel and Facebook and games development, to building a career in venture capital. Aman reflects on how these experiences have influenced his approach to investing in post-revenue companies across sectors like payments, banking, and insurance technology.

The conversation explores the current state of European Fintech, including the growing prominence of local investors, the impact of economic challenges on valuations, and the opportunities emerging in thriving markets like Germany and the Nordics. Aman delves into the complexities of the investment landscape, emphasising the importance of capital efficiency and highlighting trends in mergers and acquisitions.

Aman also provides insights into lucrative verticals like payments and the strategic advantage of focusing on the mid-market in Europe. He shares practical advice for navigating the Fintech space, predicting the continued rise of "useful AI" and the shifting dynamics of the market.

Topics Covered:

• Aman’s career journey and Finch Capital’s focus on post-revenue Fintech investments
• Finch Capital's 9th Annual European Fintech Report
• Key investment trends across Europe, including country-specific opportunities
• The evolving role of local investors in driving growth
• Challenges and opportunities in the current economic cycle
• Mid-market investment focus
• Insights into thriving sectors like banking, payments, and insurance technology (BNPL, Stablecoins and InsurTech)
• Complexities of valuation in Fintech and the importance of capital efficiency
• The strength of the European PE sector (Eur 50-500m)
• The UK as the major European Fintech hub
• The "Rule of 40"
• German private capital focus
• The Nordic & Polish fintech scene
• Being commercial from the start
• Predictions for the future of European Fintech, including M&A activity and market consolidation

Tune in to gain a deep understanding of the European Fintech ecosystem and learn how investors like Aman Ghei are shaping its future.

Learn More:

Aman Ghei: https://www.linkedin.com/in/amanghei/

Finch Capital: https://www.finchcapital.com/

State of European Fintech report: https://finchcapital.com/post/state-of-european-fin-tech-2024

Tony Clark: https://www.linkedin.com/in/tony-clark-07160b/

The London Fintech Podcast: https://londonfintechpodcast.com/