Thank you @robmoff for sharing very interesting insights and analysis on fintech segmentation and opportunities for entrepreneurs and investors. In Switzerland I believe there are interesting opportunities to disrupt the consumer mortgage market.
https://medium.com/@robmoff/where-next-for-fintech-investing-in-2015-252236a1a9cb
- Payments and short term credit, which have seen a lot of the investment attention of the last few years, are less than 10% of the market
- Some enormous segments (pensions, mortgages) have seen very little startup activity. There are good reasons for this: these are hard markets to go after, requiring lots of capital, and where customer acquisition costs are paid back over years or decades, not months. But there should be opportunities for smart entrepreneurs.
- Other segments are also large, and less intimidating, but have not yet seen huge volumes of VC investment e.g. Current Accounts and Investments. Startup activity is starting to pick up fast in both of these segments, but there are not yet clear winners and plenty of opportunity remains.
Andromede Ventures 
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