Retail Fintech Report

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Regulatory, political headwinds hit retail fintech dealmaking 

VC funding for the retail fintech industry ebbed in Q3 as global challenges brought caution to the sector, according to our latest Emerging Tech Research. Startups added $2.4 billion across 103 deals—representing a QoQ decline of 43.9% and 39.4%, respectively. 

Increased regulatory scrutiny has changed the landscape for banking-as-a-service providers, putting the largest, well-capitalized companies with strong technology in a better position to pursue bank partnerships. Other startups are working to integrate AI agents into their offerings, as they catch up with enterprise fintech companies that are doing the same.