Strategic Positioning for Fintechs

Position yourself and play! 🚀

Fintechs that want to compete directly with traditional financial institutions face major challenges. Established banks have strong brand power, high funding capacity and a consolidated customer base. For a fintech, it is essential to understand that, more than just launching products, it is necessary to define a clear and differentiated strategic positioning to gain competitiveness.

On the current playing field of traditional banks, the dominant strategy has been to zero out or reduce fees on basic products to attract customer volume. In return, profit is generated from credit and financing products, for both individuals and businesses — areas where they have more margin and scale. Thus, even foregoing fees, they maintain profitability and market dominance.

On the other hand, fintechs that position themselves as payments specialists — offering agile, multichannel and personalized solutions — manage to compete smartly. They capture revenue through transaction fees, receivables anticipation services and payment method integration (POS, Tap on Phone, links, APIs). This focus on facilitating payments with efficiency and flexibility makes the business model lighter, faster and more aligned with the new market demands.

To achieve success, it is essential to start by positioning yourself strategically, as exemplified below:

• Cryptoasset and stablecoin fintechs, connecting customers to the digital asset market in a secure and regulated way;

• Open banking platforms, which offer personalized services with integrated banking data from multiple institutions;

• Niche banks: Banks focused on a specific audience;

• Wealthtechs and investment platforms, democratizing investments for audiences that were previously underserved by traditional banks;

• Centralized or decentralized exchanges: Platforms that allow trading financial assets among users.

With Fintech OS products, you can reach margins of up to 300% on various financial products, as well as become competitive from day one by offering solutions that have been on the market for years.

In a scenario of accelerated transformation, success lies in identifying the ideal market segment, building a solid value proposition and having a positioning that leverages the advantages of technology, specialization and agility.