{"id":3901,"date":"2019-10-23T00:00:00","date_gmt":"2019-10-23T00:00:00","guid":{"rendered":"http:\/\/the-codest.localhost\/blog\/why-is-the-fintech-industry-thriving-so-fast\/"},"modified":"2026-04-24T08:50:38","modified_gmt":"2026-04-24T08:50:38","slug":"af-hverju-er-fintech-idnadurinn-ad-blomstra-svo-hratt","status":"publish","type":"post","link":"https:\/\/thecodest.co\/is\/blog\/why-is-the-fintech-industry-thriving-so-fast\/","title":{"rendered":"Hvers vegna er fintech-i\u00f0na\u00f0urinn a\u00f0 bl\u00f3mstra svo hratt?"},"content":{"rendered":"

Fj\u00e1rt\u00e6knifyrirt\u00e6ki<\/a> er t\u00edskuor\u00f0 fyrir n\u00fdst\u00e1rlega fj\u00e1rm\u00e1la\u00fej\u00f3nustu sem byggir \u00e1 uppl\u00fdsingat\u00e6kni. \u00c1 undanf\u00f6rnum \u00e1rum h\u00f6fum vi\u00f0 s\u00e9\u00f0 verulegan v\u00f6xt \u00e1 m\u00f6rku\u00f0um \u00ed Bandar\u00edkin<\/a>, Evr\u00f3pa<\/a>, og As\u00edu. T\u00e6kni hefur n\u00e1\u00f0 til heimsins af fj\u00e1rm\u00e1l<\/a>, og allt bendir til \u00feess a\u00f0 byltingin s\u00e9 a\u00f0 eiga s\u00e9r sta\u00f0 fyrir augum okkar. \u00dea\u00f0 er enginn vafi \u00e1 \u00fev\u00ed a\u00f0 flj\u00f3tlega muni allt fj\u00e1rm\u00e1lalausnir<\/a> \u00dej\u00f3nustan sem bo\u00f0in ver\u00f0ur vi\u00f0skiptavinum mun byggjast \u00e1 n\u00fat\u00edma t\u00e6kni. \u00deetta er framt\u00ed\u00f0in.<\/p>\n

Sagan af Fintech-i\u00f0na\u00f0urinn<\/a> er svo \u00e1hugavert. Almennt er svo a\u00f0 al\u00fej\u00f3\u00f0legar n\u00fdjungar s\u00e9u m\u00f3ta\u00f0ar af Sil\u00edkon-dalnum. \u00dearna var Google e\u00f0a Apple stofna\u00f0. \u00cd \u00feessu tilfelli var \u00fea\u00f0 \u00fe\u00f3 ekki alveg svona. Sil\u00edkon-dalurinn hefur fengi\u00f0 sterka a\u00f0sto\u00f0 fr\u00e1 \u00f6\u00f0rum borgum, svo sem Lund\u00fanir<\/a>, New York og Singap\u00far. \u00dea\u00f0 er \u00e1 \u00feessum fj\u00f3rum st\u00f6\u00f0um um allan heim sem fintech var f\u00e6tt. \u00dea\u00f0 er gert r\u00e1\u00f0 fyrir a\u00f0 flestir Fintech-fyrirt\u00e6ki<\/a> eru \u00ed Evr\u00f3pu, \u00fear sem London er sk\u00fdrt r\u00e1\u00f0andi. As\u00edsku marka\u00f0ur<\/a> er einnig a\u00f0 \u00fer\u00f3ast \u00f6rt. Ennfremur hafa mi\u00f0st\u00f6\u00f0var eins og Hong Kong, Taipei og T\u00f3k\u00fd\u00f3 s\u00e9rstaklega sterka st\u00f6\u00f0u.<\/p>\n

Ertu a\u00f0 velta fyrir \u00fe\u00e9r hvers vegna vi\u00f0 sj\u00e1um svona mikinn v\u00f6xt \u00ed \u00feessum geira? \u00c9g velti \u00fev\u00ed lengi fyrir m\u00e9r hvernig \u00e9g g\u00e6ti svara\u00f0 \u00feessari spurningu. N\u00fa veit \u00e9g \u00fea\u00f0. \u00deessi \u00fer\u00f3un kemur best fram \u00ed t\u00f6lum sem s\u00fdna breytingar \u00e1 fj\u00e1rm\u00e1lamarka\u00f0i heimsins, sem mun ekki \u00fer\u00f3ast \u00e1n n\u00fat\u00edmalegra t\u00e6knilausna.<\/p>\n

\"Fintech-\u00fer\u00f3un\"<\/p>\n

\u00c1hugaver\u00f0ustu g\u00f6gnin um fintech-marka\u00f0inn:<\/strong><\/h2>\n
    \n
  1. Alls 96% neytenda um allan heim \u00feekkja a\u00f0 minnsta kosti eina f\u00e1anlega fintech-\u00fej\u00f3nustu \u00e1 marka\u00f0num.<\/a><\/li>\n
  2. N\u00fa eru yfir 12.000 fintech-sprotafyrirt\u00e6ki \u00ed heiminum, sem sta\u00f0festir einungis hinn kraftmikla v\u00f6xt \u00feessa geira.<\/li>\n
  3. Alls 88% fj\u00e1rm\u00e1lastofnana \u00ed heiminum \u00f3ttast a\u00f0 missa tekjur til fyrirt\u00e6kja \u00ed fintech-geiranum, sem eru a\u00f0 la\u00f0a a\u00f0 s\u00e9r vi\u00f0skiptavini me\u00f0 \u00fev\u00ed a\u00f0 bj\u00f3\u00f0a upp \u00e1 n\u00fat\u00edmalegar lausnir \u00e1 svi\u00f0um eins og grei\u00f0slna og peningaflutninga.<\/li>\n
  4. \u00c1\u00e6tla\u00f0 gildi fj\u00e1rm\u00e1lageirans \u00e1ri\u00f0 2022 er 26,5 billj\u00f3nir bandar\u00edkjadala. Samsettur \u00e1rlegur vaxtarhra\u00f0i ver\u00f0ur 6% (MarketScreener).<\/li>\n
  5. Heildarfj\u00e1rfestingin \u00ed fintech-geiranum \u00e1ri\u00f0 2019 nam 55,4 millj\u00f6r\u00f0um bandar\u00edkjadala. Alls 25,5 milljar\u00f0ar bandar\u00edkjadala af \u00feeirri upph\u00e6\u00f0 koma fr\u00e1 K\u00edna.<\/li>\n
  6. E-commerce<\/a> er einn af st\u00e6rstu vaxtardrifkraftum fintech, me\u00f0 samsettan \u00e1rlegan vaxtarhra\u00f0a (CAGR) \u00e1 bilinu 10%\u201312% (IndustryArc.)<\/li>\n
  7. Um \u00fea\u00f0 bil 24% manns \u00ed heiminum vita um ke\u00f0jukeilur<\/a> t\u00e6kni.<\/li>\n
  8. Blockchain-t\u00e6kni var metin \u00e1 70\u201375 milljar\u00f0a bandar\u00edkjadala \u00e1ri\u00f0 2018. \u00c1 n\u00e6stu sex \u00e1rum mun samsettur \u00e1rlegur vaxtarhra\u00f0i (CAGR) nema 50%.<\/li>\n
  9. PayPal er eitt \u00feekktasta fintech-fyrirt\u00e6ki\u00f0. Heildarfj\u00e1rh\u00e6\u00f0 vi\u00f0skipta \u00feeirra \u00e1ri\u00f0 2019 nam 333,8 millj\u00f6r\u00f0um bandar\u00edkjadala.<\/li>\n
  10. Auglj\u00f3s aukning \u00ed me\u00f0vitund um Fintech-lausnir<\/a> af notendum s\u00e9st. \u00c1ri\u00f0 2019 notu\u00f0u 64% notenda einn e\u00f0a fleiri fintech-vettvang, en \u00e1ri\u00f0 2017 voru \u00fea\u00f0 a\u00f0eins 33%.<\/li>\n<\/ol>\n

    \"Fintech-hugb\u00fana\u00f0ur\"<\/p>\n

    Fintech-fyrirt\u00e6ki sem vert er a\u00f0 fylgjast me\u00f0<\/strong><\/h2>\n

    Ekki \u00feurfa \u00f6ll fintech-fyrirt\u00e6ki a\u00f0 vera einhyrningar til a\u00f0 bj\u00f3\u00f0a upp \u00e1 \u00e1hugaver\u00f0ar og eftirtektarver\u00f0ar v\u00f6rur. \u00c9g hef sett saman lista yfir \u00ferj\u00fa fr\u00e1b\u00e6r, bl\u00f3mleg fintech-fyrirt\u00e6ki sem \u00fer\u00f3ast kraftmiki\u00f0 og starfa \u00e1rangursr\u00edkt \u00e1 s\u00ednum heimam\u00f6rku\u00f0um. \u00c9g tel a\u00f0 \u00feau s\u00e9u gott d\u00e6mi um fars\u00e6lar vi\u00f0skiptal\u00edk\u00f6n. Hver veit, kannski \u00f6\u00f0last \u00feau einhyrningast\u00f6\u00f0u einhvern daginn. Krossum fingur!<\/p>\n

    Rafr\u00e6nn endursko\u00f0andi<\/a><\/strong><\/h3>\n

    B\u00fainn til:<\/strong> Forde (Noregur<\/a>)<\/p>\n

    Stofnun:<\/strong> 2017<\/p>\n

    S\u00e9rgreinar:<\/strong> T\u00f6lvuhugb\u00fana\u00f0ur<\/p>\n

    Um Digital Revisor:<\/strong> \u00dea\u00f0 b\u00fd\u00f0ur upp \u00e1 stafr\u00e6n verkf\u00e6ri fyrir fj\u00e1rm\u00e1lalega r\u00e1\u00f0gjafa \u00ed b\u00f3khaldi. \u00deau einfalda, hagr\u00e6\u00f0a og auka skilvirkni \u00ed daglegum vinnufl\u00e6\u00f0i, auk \u00feess sem g\u00e6\u00f0i \u00fej\u00f3nustunnar sem veitt er vi\u00f0skiptavinum batna. Helstu eiginleikar \u00feessarar lausnar eru a\u00f0 h\u00fan getur auki\u00f0 vinnuframlei\u00f0ni og er einf\u00f6ld \u00ed daglegri notkun, samh\u00e6f\u00f0 \u00f6\u00f0rum verkf\u00e6rum og \u00ed samr\u00e6mi vi\u00f0 Pers\u00f3nuverndarregluger\u00f0 ESB<\/a> regluger\u00f0ar og er a\u00f0gengileg notendum allan s\u00f3larhringinn. \u00dea\u00f0 er \u00feess vir\u00f0i a\u00f0 b\u00e6ta vi\u00f0 a\u00f0 Digital Revisor b\u00fd\u00f0ur upp \u00e1 n\u00fat\u00edmalegar lausnir \u00e1 grundvelli Gervigreind<\/a> t\u00e6kni.<\/p>\n

    Compricer hf<\/a><\/strong><\/h3>\n

    B\u00fainn til:<\/strong> Trygging (Sv\u00ed\u00fej\u00f3\u00f0<\/a>)<\/p>\n

    Stofnun:<\/strong> 2005<\/p>\n

    S\u00e9rgreinar:<\/strong> Tryggingar<\/a><\/p>\n

    Um Compricer:<\/strong> Fyrirt\u00e6ki\u00f0 b\u00fd\u00f0ur pers\u00f3nulega r\u00e1\u00f0gj\u00f6f og a\u00f0sto\u00f0 vi\u00f0 a\u00f0 finna tilbo\u00f0 fyrir pers\u00f3nuleg fj\u00e1rm\u00e1l vi\u00f0skiptavina. \u00c1 hverjum m\u00e1nu\u00f0i skr\u00e1ir Compricer yfir 500.000 einstaka gesti og yfir 15.000 manns nota \u00fej\u00f3nustu eins og val \u00e1 orkufyrirt\u00e6ki e\u00f0a tryggingum e\u00f0a leit a\u00f0 besta l\u00e1nveitanda fyrir sig. Compricer er lausn sem ber saman yfir 350 fyrirt\u00e6ki \u2014 b\u00e6\u00f0i st\u00f3r og sm\u00e6rri. \u00dea\u00f0 er algerlega \u00f3keypis fyrir notendur. \u00cd sta\u00f0inn innheimtir \u00fea\u00f0 gjald af fyrirt\u00e6kjum sem bj\u00f3\u00f0a \u00fej\u00f3nustu s\u00edna \u00e1 vefs\u00ed\u00f0unni.<\/p>\n

    Svea Efnahagur<\/a><\/strong><\/h3>\n

    B\u00fainn til:<\/strong> Stokkh\u00f3lmur (Sv\u00ed\u00fej\u00f3\u00f0)<\/p>\n

    Stofnun:<\/strong> 1981<\/p>\n

    S\u00e9rgreinar:<\/strong> Fj\u00e1rm\u00f6gnun, b\u00f3khalds\u00fej\u00f3nusta, faktoring, grei\u00f0slulausnir fyrir netverslun og verslanir, kaupa reikninga<\/p>\n

    Um Svea Ekonomi:<\/strong> Svea Ekonomi er lei\u00f0andi a\u00f0ili \u00ed Nor\u00f0ur-Evr\u00f3pu sem hefur veitt fj\u00e1rm\u00e1la- og stj\u00f3rns\u00fdslu\u00fej\u00f3nustu s\u00ed\u00f0an 1981. \u00dej\u00f3nustuframbo\u00f0 okkar felur \u00ed s\u00e9r faktoring, leigu, b\u00f3khalds\u00fej\u00f3nustu, skuldastj\u00f3rnun, grei\u00f0slulausnir fyrir netvi\u00f0skipti og l\u00e1n, auk sparireikninga fyrir neytendur.<\/p>\n

    Svea Ekonomi Group er leyf\u00f0 af s\u00e6nska fj\u00e1rm\u00e1laeftirlitinu og hefur skrifstofur \u00ed t\u00edu l\u00f6ndum og samstarfsa\u00f0ila um allan heim.<\/p>\n

    Me\u00f0 \u00fev\u00ed a\u00f0 sameina n\u00fdja t\u00e6kni og n\u00fdst\u00e1rlegar lausnir vi\u00f0 pers\u00f3nulega \u00fej\u00f3nustu me\u00f0 mikilli \u00e1herslu \u00e1 vi\u00f0skiptavini munum vi\u00f0 \u00e1vallt bj\u00f3\u00f0a vi\u00f0skiptavinum okkar og samstarfsa\u00f0ilum bestu valkosti.<\/p>\n

    Fintech hugb\u00fana\u00f0ar\u00fer\u00f3un<\/strong><\/h2>\n

    \u00der\u00f3un fintech-i\u00f0na\u00f0arins tengist beint \u00fe\u00f6rfinni \u00e1 a\u00f0 byggja upp n\u00fdst\u00e1rlegar og t\u00e6knilega h\u00e1\u00fer\u00f3a\u00f0ar v\u00f6rur. \u00c1 hverjum degi vinnum vi\u00f0 me\u00f0 fars\u00e6lum fyrirt\u00e6kjum fr\u00e1 norr\u00e6num l\u00f6ndum, svo sem F\u00f3lksfj\u00e1rm\u00e1l<\/a><\/strong> e\u00f0a BirgjarPlus<\/a><\/strong>. Vi\u00f0 hj\u00e1lpum \u00feeim a\u00f0 byggja upp hugb\u00fana\u00f0 og \u00fer\u00f3a t\u00e6knilegan bakgrunn fyrir v\u00f6rur. Me\u00f0 reynslu \u00far \u00feessum geira, sem kemur fram \u00ed lok \u00feessa greinar, fullvissa \u00e9g ykkur enn og aftur um a\u00f0 fintech s\u00e9 framt\u00ed\u00f0in, og stafr\u00e6n umbreyting fj\u00e1rm\u00e1lageirans er a\u00f0 eiga s\u00e9r sta\u00f0 fyrir augum okkar.<\/p>\n

    Lesa meira:<\/strong><\/p>\n