Your Weekly Fintech Sales Intelligence Newsletter | Volume 17

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TODAY’S PICK 🎯

Why Sales Teams are Still Missing Quota - And How to Fix It

Sales teams have access to more data than ever, yet 91% still miss their targets. If revenue intelligence was supposed to change that, why hasn’t it? Hive Perform’s latest report, The Revenue Intelligence Trap, breaks down why sales tools focused solely on data aren’t enough.

Inside the report, you’ll discover:

• Where sales tech spending is shifting—and why sales enablement is losing ground.

• Why revenue intelligence alone isn’t solving quota shortfalls (and what’s missing).

• How sales teams can actually use insights to move deals forward—not just track them.

• The only winning formula that bridges data and execution.

If your are still guessing why deals stall, this report lays out exactly what’s needed to turn intelligence into action.

Read the full report here.

EDITOR’S INSIGHT 💭

Adapting Fintech Strategies to Federal Reserve Signals

Central bank decisions aren’t just economic signals—they’re GTM strategy triggers. The Federal Reserve’s projections directly shape fintech budgets, investment priorities, and customer sentiment. For fintech leaders, reacting quickly isn’t enough—anticipating these shifts is the real advantage.

1. Turning Market Signals into Strategy

Stock market volatility isn’t noise—it’s a guide. Fintech firms that track indexes like the Dow and Nasdaq in real time can adjust messaging to resonate with shifting customer priorities. Whether it’s highlighting risk mitigation tools during market downturns or showcasing growth-enabling products in bull markets, agility in positioning drives engagement.

2. Case in Point: SmartBiz’s Strategic Expansion

SmartBiz’s acquisition of United Community Bancshares, approved by the Fed, wasn’t just an expansion—it was a masterclass in regulatory alignment. By leveraging the Fed’s decision-making cycle and integrating with Centrust Bank, SmartBiz strengthened its foothold in small business lending.

3. The FinTech GTM Playbook:

✅ Regulatory Awareness as a Competitive Advantage – Stay ahead of Fed policies and financial legislation to position products proactively.
✅ ROI & Risk Framing – Customers prioritize solutions that enhance financial resilience in uncertainty—tailor messaging accordingly.
✅ Agility Over Reaction – Adjust GTM motions before market sentiment shifts, not after.

Winning in FinTech Means Reading the Signals Before the Market Moves

Fintech firms that align their GTM strategy with economic trends, regulatory shifts, and market sentiment won’t just survive—they’ll lead. The question isn’t whether fintech should respond to central bank signals, but who will capitalize on them first. 🚀

INDUSTRY INSIGHTS 🌐

The Great Fintech Reset: How Leading Players are Reimagining Their Core Identity and Making Big Changes

Brex, Ramp, and Plaid are pioneering a shift that redefines priorities in the fintech domain, focusing on precision, value creation, and customer-centricity. Brex's "3.0" model exemplifies this transition by streamlining organization layers, establishing clear roadmaps, and emphasizing quality in product delivery. Such an approach aligns with the evolving demands of sales professionals who increasingly value sustainable growth and customer satisfaction over indiscriminate hyper-growth. This transformation is setting a new standard in sales focus, driving long-term client relationships and deeper market penetration.

Ramp’s integration of AI into financial workflows underscores the potential for technology to optimize capital allocation and ROI, offering insights that resonate with the core objectives of sales leaders. Prioritizing efficient capital use not only enhances productivity but also strengthens the sales narrative by aligning product offerings with tangible client benefits. These industry strategies signal a new era of fintech maturity, where precision and core strength provide a competitive edge, enabling sales leaders to navigate complex client needs and foster lasting customer partnerships effectively.

AI Revolutionizes Fintech with Projected $97.7 Billion Growth by 2033

The projected growth of the AI in fintech market, anticipating a leap from USD 17.6 billion in 2024 to USD 97.7 billion by 2033, at a CAGR of 19.9%, emphasizes the sector's robust expansion. This growth is propelled by rising AI adoption in banking, boosted by machine learning and natural language processing, leading to enhanced customer experiences. Embracing AI-driven personalization, the fintech industry has adopted chatbots, fraud detection systems, and tailored financial recommendations as standard practices, effectively meeting consumer demand for real-time insights.

Fintech Opportunities in 2025 Include Stablecoins and Vertical SaaS

The 2025 fintech landscape unveils strategic growth vectors in vertical SaaS, stablecoins, and innovative payment strategies, presenting pivotal opportunities for sales leaders. Vertical SaaS is transforming, evolving beyond simple payment processing to provide comprehensive, industry-specific solutions, deepening client relationships—a crucial insight for fostering long-term partnerships. Meanwhile, stablecoins are redefining financial transactions with their capacity to stabilize capital flow and streamline cross-border operations.

Furthermore, embedding marketing initiatives within payment systems is revolutionizing buyer engagement. Approaches like cashback and referral bonuses are not only consolidating consumer data but enhancing merchant interactions, aligning perfectly with sales objectives for increased customer retention. The diminished allure of founder-driven disruptive models underscores a shift towards tactical, niche innovations. Startups are creatively navigating unserved spaces beyond conventional boundaries, reinforcing the need for sales strategies that capitalize on these unique growth areas. As 2025 looms, these evolving dynamics signal profound implications for FinTech sales leaders looking to optimize and drive performance.

Klarna and OnePay Revolutionize Sales Strategy with Walmart Installment Loans

Klarna's partnership with OnePay represents a significant opportunity in the FinTech landscape, specifically tailored for Walmart's vast customer base in the U.S. This integration of installment loan options directly into Walmart’s checkout ecosystem positions it as a leader in retail finance innovation. Klarna's role as the exclusive provider amplifies its influence, offering seamless financial solutions that enhance consumer loyalty and broaden product reach from electronics to automotive.

For FinTech sales leaders, the expansion of OnePay’s financial services portfolio—supported by Walmart and Ribbit Capital—presents an opportunity to leverage comprehensive consumer finance solutions. With repayment plans ranging from 3 to 36 months, this collaboration not only enhances customer experience but also drives competitive differentiation. By reshaping the retail finance model, Klarna and OnePay are pioneering a path that demands strategic engagement and adaptation from FinTech sales teams eager to optimize performance and capitalize on emerging market trends.

Virgin Money and Mastercard Collaborate to Revolutionize Credit Card Management

Virgin Money, in collaboration with Mastercard, is set to transform the financial management landscape for its customers by enhancing its Credit Card App with open banking technology. This joint venture introduces a powerful tool that allows users to access and manage credit card and current account balances from multiple banks in a single, consolidated platform. With this advancement, Virgin Money aims to provide its over 6.6 million UK customers with a streamlined view of their finances, simplifying everyday money management.

The partnership underscores Virgin Money's dedication to innovation and customer convenience, as emphasized by Katherine Lovell, head of unsecured lending, who highlights the role of open banking in making financial management more accessible. Mastercard's involvement showcases its capability in delivering seamless, user-friendly financial solutions. Valérie Nowak, Mastercard EVP, noted the significant impact of open banking in crafting connected financial services that cater to users' needs, thus underscoring the potential of this collaborative effort to advance financial literacy and ease of use.

Trump-Family-Backed DeFi Project Raises $550 Million in Token Sales

World Liberty Financial, a DeFi project endorsed by the Trump family, has achieved a significant milestone by raising $550 million through token sales, with the latest public sale alone netting $250 million. The project, launched in September 2024, aims to promote decentralized finance and stablecoins pegged to the US dollar, presenting itself as a beacon of financial innovation away from traditional banking systems. This initiative, supported by President Trump and his sons, signifies a strategic shift in exploring the potential of digital finance and showcases the growing acceptance and investment interest in the DeFi space.

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