For early-stage fintech companies in emerging markets, effective use of operational tools is not only a question of efficiency; it is a determinant of whether they can reach underserved customers at scale. The stakes are high: In regions such as Latin America, sub-Saharan Africa, the Middle East and North Africa, South Asia, and Southeast Asia, these companies often serve low-income and financially excluded consumers and small and medium enterprises (SMEs) who depend on timely, reliable access to financial products.
Every few years, we check in with our Accion Venture Lab portfolio companies to understand their technology stack. This year, in partnership with Seedstars, the Accion Venture Lab team surveyed several fintechs across the world to examine how their technology stacks evolve from the seed stage through later funding rounds, how spending patterns change, and where artificial intelligence (AI) is beginning to enhance operational capacity.
In this report, you’ll learn more about:
- How companies in these markets leverage tools across their operational and engineering teams to grow, scale, and build with speed.
- How company stage affects choices around spending on various tools and systems.
- How to consider incorporating emerging use cases around AI.
Download the full report here for the complete findings, data, and analysis, and access the PowerPoint dataset here for visual summaries, charts, and stage-by-stage breakdowns.
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