Supervisors Symposium - December 2023

inflection points

market shifts/opportunities

2023

2022

Inflation Rates (yield curve inverts) Fintech funding Fintech layoffs Personal savings rate Deposits Financial health OD/NSF fees Crypto BNPL stocks BNPL usage Payments growth rate

Loan demand Delinquencies Recession

Acquire fintech talent Consumer spending Automated saving (retain deposits) SMBs/commercial (revenue) Automated investing (wealth-tech) BNPL re-imagined by/thru FIs Instant-payment infrastructure on new public rails (FedNow) built around new use cases ?

strategy

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