FinTechy muszą szukać inwestorów za granicą
Rynek FinTech w Polsce wart jest 860 mln euro. Nie ma jednak funduszy na rozwój.

Polska jest największym ośrodkiem FinTech w Europie Środkowo-Wschodniej. 860 mln euro z wartego 2,2 mld euro rynku w tym regionie przypada na Polskę. Polski sektor FinTech wymaga jednak doinwestowania, aby mógł się rozwijać – twiedzi Deloitte.
Dla 72 proc. start-upów fintechowych w Polsce głównym źródłem finansowania są pieniądze założycieli – wynika z analizy Deloitte, zaprezentowanej podczas Polish Tech Day w siedzibie Google w Londynie. Wartość inwestycji venture capital w stosunku do PKB wynosi u nas tylko 0,005 proc. Tymczasem na świecie venture capital odpowiada za około 70 proc. wartości całkowitych inwestycji w firmy finansowo-technologiczne.
Sytuację częściowo ratują inicjatywy polskich instytucji finansowych. Pozytywnym czynnikiem było uruchomienie przez największych ubezpieczycieli i banki w Polsce finansowania dla branży FinTech w postaci programów akceleracyjnych, funduszy typu corporate venture capital, oraz inwestycji bezpośrednich. Polskie instytucje finansowe nie mają jednak odpowiedniej siły przebicia na międzynarodowych rynkach, gdzie zapadają strategiczne decyzje.
W tej sytuacji, uważają eksperci Deloitte, warunkiem koniecznym osiągnięcia sukcesu i zdobycia nowych klientów dla polskich spółek finansowo-technologicznych jest ekspansja zagraniczna. „Lepiej być FinTechem zagranicą niż w Polsce, bo to tam podejmowane są decyzje o potencjalnej inwestycji. W efekcie łatwiej jest przenieść działalność z rynków zagranicznych do Polski niż odwrotnie. Korporacje najpierw testują technologię na swoich rodzimych rynkach, a dopiero potem wdrażają ją w kolejnych krajach” – wyjaśnia Artur Martyniuk, dyrektor w Dziale Doradztwa Finansowego Deloitte.
Jego zdaniem, wśród powodów które blokują ekspansję polskich FinTechów jest również niechęć inwestorów i przedsiębiorców do podejmowania wysokiego ryzyka. Tymczasem sektor prywatny powinien być bardziej zaangażowany w finansowanie innowacji. Być może rozwiązaniem, podpowiada Artur Martyniuk, byłoby utworzenie programu podobnego do brytyjskiego „Enterprise Investment Scheme” i „Seed Enterprise Investment Scheme”. Program ten pozwala na złagodzenie negatywnych skutków nieudanej inwestycji i nie wymaga angażowania środków publicznych.
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Pół miliarda inwestycji w polskie startupy. „Pozytywny sygnał”
W III kw. br. fundusze zainwestowały w polskie startupy ok. 60 mln zł mniej niż przed rokiem. Jednak zdaniem ekspertów jest szansa na nowy rekord w br.
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