Did you know that most failed fintech startups didn’t collapse because of bad ideas — but because their systems couldn’t perform at scale?
We just analysed 30+ years of failed Finance & Insurance ventures (1992–2024), and the patterns are surprisingly consistent.
The findings reveal: 🔹 Reliability beats innovation. Founders prioritised stable, low-latency systems far more than trendy features. 🔹 Niche = risk. Startups that boxed themselves into narrow markets struggled to scale and stalled early. 🔹 Execution gaps kill more companies than ambition. Lack of clear frameworks created repeated internal failures. 🔹 Overbuilding drains budgets. Teams trimmed “nice-to-have” features just to keep products alive.
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