Until a few years ago, investing in startups or accessing favorable credit tools was a privilege reserved for a few. Today, all this is changing thanks to fintechs. The concept of open and inclusive finance has become a reality, with new opportunities for users and businesses.

Access to investments for everyone

In the past, investing in financial markets required advanced skills and substantial capital. Today, platforms like Seedrs or CrowdfundMe have transformed crowdfunding into an accessible tool even for small investors. Through these platforms, anyone can fund startups or innovative projects with just a few hundred euros, actively participating in the growth of new companies.

Microcredit and peer-to-peer loans

The traditional banking credit model is often rigid and not very inclusive. Fintechs have introduced digital microcredit systems, offering faster and tailored solutions for those who cannot access traditional loans. Peer-to-peer lending platforms enable users to obtain financing directly from other private individuals or institutional investors, with more flexible conditions.

Digital payments and global accessibility

The payments industry has also undergone a revolution. Satispay, for example, has made digital money use simpler and more affordable, providing an alternative to traditional credit card circuits. Additionally, services like Wise facilitate international transactions with lower costs, removing geographical barriers in the banking sector.

The democratization of finance is eliminating the barriers that limited access to financial services, creating a more open and flexible ecosystem.

WA