NICOLAI CHAMIZO
FINANCIAL SERVICES
“ Fintechs that can demonstrate robust market resilience are the ones most likely to attract investments ”
NICOLAI CHAMIZO
TITLE : CEO AND CO-FOUNDER COMPANY : INCORE INVEST INDUSTRY : INVESTMENTS LOCATION : STOCKHOLM
Nicolai is CEO and Co-founder of Incore Invest , a growth capital investor within the tech industry . It helps companies and entrepreneurs to accelerate their growth and expansion .
Ivan further elaborates on the impact of this correction : “ As capital became scarcer , the inevitable flight to quality occurred , and less experienced investors and entrepreneurs faced challenges , resulting in a pullback from the sector .
“ Many companies entered fintech to capitalise on high valuations , but as the funding boom cooled , this trend reversed .”
Market conditions and investor approach The current market conditions are shaped by a complex interplay of factors . Nicolai points out that “ economic uncertainty , rising interest rates and geopolitical tensions ” have significantly tightened capital availability .
In response , investors are adapting to new financial parameters , fundamentally impacting their risk-reward landscape .
Ivan adds : “ We ’ re seeing a return to normalcy , where investors are prioritising sustainable business models and realistic risk-to-reward ratios .” This shift has led to an emphasis on capital efficiency , reduced burn rates and a clear path to securing future investments .
The focus has moved from rapid growth at all costs to prioritising resilience and extended runways . As Nicolai notes : “ Fintechs that can demonstrate robust market resilience , and maintain extended runways to navigate prolonged periods of downturn , are the ones most likely to attract investment .”
Yanki Onen , CEO of wamo , offers additional insight into this shift in investor mindset : “ Such tough market conditions and scarcity in cash have resulted in a mindset shift amongst VC investors
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