Ryan Falvey, Co-Founder of Restive, emphasizes the importance of innovation in finance, noting a shift from consumer-focused applications to essential financial infrastructure. With 15 years in fintech, he highlights successful startups leveraging foundational financial APIs and backend tooling. Falveyâs approach involves investing in scalable and regulation-ready business models. He stresses that todayâs consumer businesses must prioritize access, context, and integration over simply launching apps. As market dynamics evolve, understanding fintech regulation and platform economics becomes critical for navigating investment opportunities.
We're not investing in fintech apps - we're investing in infrastructure. That distinction underscores a larger trend he sees in the market: a move away from flashy consumer-based apps toward foundational financial APIs.
You don't build a consumer business by launching an app anymore. It's not about the app - it's about access, context, and integration.
Collection
[
|
...
]