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The VCXO Briefing with Mike Lobanov, Target Global

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​The VCXO Briefing is a crisp, data-driven summary of European FinTech, combined with insights from leading investors and acquirers, offering "VC thinking for CXOs". ​Learn about what VCs are investing in and why, what to expect in the months ahead, what’s on their bookshelves etc. ​ 
​​Enjoy the conversations, and subscribe here to get the Briefing (complimentary for financial institutions and VC / PE professionals.)
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26.06.2017 

1.  Tell us a bit about yourself and your focus area(s) within FinTech?
- Mike Lobanov is a general partner at Target Global. He is focused on investments in the Fintech and E-commerce area, as well as overall management of the firm. He also manages the relationships with co-investors who join deals alongside Target Global. 
 
2. What are your three key takeaways from the last 3 years in the European FinTech space?
  • Berlin is ahead of London in insurtech - much more companies with more solid track record. In other areas London remains almost unaffected by Brexit - there are still a lot more good fintech startups than anywhere else in Europe.
  • B2B in fintech investments appear to be superior than B2C investments - the hype money is out of the sector, now everyone focuses on business models that really work.
  • Blockchain is getting real even though it got hyped a lot. It looks like something similar to the dotcom bubble might now be happening in the space. Long term it is very interesting, short term a lot of cryptocurrencies may be overpriced.
 
3. What trends or opportunities should we watch out for in the next 6-18 months?
  • The insurtech space is rapidly maturing in Europe with some leaders emerging e.g. Wefox and Simplesurance
  • Be aware of cryptocurrency bubbles - wait for a crash and buy the most prominent ones (Bitcoin, ETH, Monero, Zcash) and hold them long term.
  • Focus on B2B startups with clear product-market fit. Niche use cases can sometimes demonstrate the strongest fit and can be attractive if big enough to build a company of significant scale. ​
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