High
Fintech & Finanças
Digital Banking Fintechs
Nubank, Inter, and C6 dominate with 100M+ combined customers. Very high regulatory barriers.
📊 Evidence
- • Nubank: 90M customers, $30B market cap
- • Inter: 30M customers
- • Acquisition cost $6-10/customer
- • Traditional banks responding
⚠️ Risks
- • Complex banking regulation
- • High minimum capital
- • Leaders have network effects
- • Hard to monetize without cross-sell
💡 Opportunities
- • Niches (freelancers, immigrants)
- • Embedded finance for platforms
- • B2B banking-as-a-service
- • Credit for specific segments
Verdict
Too much capital and regulation. Only very specific niches have a chance.
75
of 100
Saturation Score
High saturation. Proceed with caution.
Trend
→ Stable
Category
Fintech & Finanças