{"version":"1.0","type":"card","id":"15c1829d-ab97-4fac-a0bf-af4dca5af9a0","url":"https://stacklist.com/card/15c1829d-ab97-4fac-a0bf-af4dca5af9a0","title":"Temperature Check: The Fintech Ecosystem in 2023","source_url":"https://hypepotamus.com/feature/temperature-check-the-fintech-ecosystem-in-2023/","note":"The fintech ecosystem in 2023 faced significant VC funding declines, with global fintech startup funding dropping 49% in the first half and 36% in the third quarter, pushing founders toward leaner rounds and profitability over growth.","image":{"url":"https://ucarecdn.com/4f6ee6f6-6be3-4ff4-8180-da29fa0acc6d/","alt":"Temperature Check: The Fintech Ecosystem in 2023","width":1080,"height":1080},"stack":{"id":"9fe5571f-6ea0-448a-b0e9-aa411e7ad0e0","title":"Fintech Industry Trends and Ecosystem Reports","url":"https://stacklist.com/c/finance/stack/9fe5571f-6ea0-448a-b0e9-aa411e7ad0e0"},"created_at":"2026-07-09T15:38:45.496Z","updated_at":null,"aco":{"summary":"The fintech ecosystem in 2023 faced significant VC funding declines, with global fintech startup funding dropping 49% in the first half and 36% in the third quarter, pushing founders toward leaner rounds and profitability over growth. Despite the downturn, Southeast-focused VC firms like TTV Capital and FINTOP Capital reported strong activity, while InsurTech, deposits management, and GenAI emerged as key trends heading into 2024.","tags":["fintech","venture-capital","southeast-startups","banking","insurtech","genai","funding"],"key_entities":[{"name":"Maija Ehlinger","type":"person","confidence":0.95},{"name":"Robert Daniel","type":"person","confidence":0.95},{"name":"Jared Winegrad","type":"person","confidence":0.95},{"name":"TTV Capital","type":"organization","confidence":0.95},{"name":"FINTOP Capital","type":"organization","confidence":0.95},{"name":"ATDC","type":"organization","confidence":0.9},{"name":"S&P Global Market Intelligence","type":"organization","confidence":0.9},{"name":"Hypepotamus","type":"organization","confidence":0.85},{"name":"Atlanta","type":"location","confidence":0.9},{"name":"Nashville","type":"location","confidence":0.85},{"name":"Banking as a Service","type":"concept","confidence":0.9},{"name":"InsurTech","type":"concept","confidence":0.88},{"name":"GenAI","type":"technology","confidence":0.9},{"name":"digital lending","type":"concept","confidence":0.8},{"name":"Southeast","type":"location","confidence":0.85}],"classification":"analysis","language":"en","confidence":0.85,"provenance":{"model":"claude-opus-4-6","tool":"@stacklist/mcp-server@2.0.0","confidence":0.85,"timestamp":"2026-07-09T15:39:02.670Z"},"token_counts":{"approximate":865,"cl100k":720},"content_hash":"sha256:757acf211ebe2401d9c2bacf0a940c2fc9b1d16acb7adc7aa5a4d048f7c143a1","acp_version":"0.2","body_available":true,"body_tokens":865,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/15c1829d-ab97-4fac-a0bf-af4dca5af9a0.json","html":"https://stacklist.com/card/15c1829d-ab97-4fac-a0bf-af4dca5af9a0","md":"/api/public/card/15c1829d-ab97-4fac-a0bf-af4dca5af9a0.md","stack_json":"/api/public/stack/9fe5571f-6ea0-448a-b0e9-aa411e7ad0e0.json"}}