In short
A fintech pitch deck must show demand and trust together: the customer problem, transaction or user growth, revenue per user, how you manage fraud and credit risk, and your licences or regulatory path. Include a slide on compliance and partners such as banks or payment networks.
Financial products are regulated and depend on trust, so fintech investors ask harder questions about licences, partners, risk and unit economics than investors in most other sectors.
Who invests in fintech startups
Fintech startups are funded by specialist fintech funds, generalist venture capital firms, corporate venture arms of banks and payment companies, and angels with financial services experience.
Recommended slide order
| Slide | What to show |
|---|---|
| Title | What you do for whom, such as ‘Instant credit for small retailers’. |
| Problem | The cost, delay or exclusion customers face today. |
| Solution | The product flow and what it changes for the customer. |
| Why now | New payment rails, open banking, regulation or data availability. |
| Market size | Transaction volume or customers × revenue per customer. |
| Traction | Users, transaction volume, revenue and repeat use. |
| Business model | Fees, interest margin or interchange, and take rate. |
| Risk and compliance | Licences, regulatory status, partners and fraud and credit controls. |
| Competition | Banks, other fintechs and informal alternatives. |
| Team | Financial services, risk, compliance and technology experience. |
| Financials | Revenue, losses or defaults, and path to profit. |
| The ask | Amount, use of funds and milestones, including licences. |
Metrics fintech investors look for
| Metric | Why it matters |
|---|---|
| Total payment or transaction volume | Shows the scale of money moving through the product. |
| Take rate | Revenue as a share of volume; shows how much you earn on activity. |
| Active users and repeat use | Shows the product is trusted for regular use. |
| Default or loss rates (for lending) | The single most important risk metric for credit products. |
| Fraud rate | Shows controls work. |
| Customer acquisition cost | Financial products can be expensive to market; investors check efficiency. |
What makes a fintech pitch deck stand out
- A clear regulatory path or existing licences.
- Partners such as banks or payment networks already signed.
- Loss or fraud rates measured over enough time to be meaningful.
- A distribution advantage, such as embedding in software customers already use.
Common mistakes
- Leaving regulation for questions.
- Reporting gross transaction volume as revenue.
- Lending growth without loss data.
- Underestimating compliance costs.
Frequently asked questions
Do I need a licence before raising for a fintech startup?
Not always, but investors will want a clear plan: whether you will hold a licence, partner with a licensed institution, or operate under an exemption or sandbox. Get legal advice for each country you operate in.
Written by Gachi Foundation, a non-profit in Jharkhand, India. All pitch deck resources.