As 2019 draws to a close, the forecast for this year’s investments into FinTech and InsurTech, suggest that landscape has changed significantly compared to previous years. The number of entrepreneurial start-ups within the financial sector has dropped and there have been fewer funding deals, where entrepreneurs raised external capital. And this irrespective of whether the development is viewed by region (Europe, Asia, Latin America etc.) or subject area (InsurTech, WealthTech, RegTech, Payment & Remittances etc.[i]).