Fintech - Expanding the Efficient Frontier

Dalma Capital's overarching mission is to make markets more efficient, and at the heart of this mission lies our profound commitment to financial technology companies. These entities play an integral role in reimagining and reshaping the financial landscape, ushering in an era of innovation, agility, and unparalleled accessibility.

The 2022/2023 credit crunch further underscored the need for alternative credit solutions. As the financial world grappled with the limited availability of bank credit, wider spreads, and a marked supply-demand mismatch, fintech lenders emerged as beacons of opportunity. With their adaptive technologies, scalable platforms, and customer-centric solutions, these fintechs demonstrated resilience and innovation during challenging times.

Dalma Capital's investment strategy in this realm is deeply rooted in foresight and discernment. We are particularly inclined towards fintechs situated in emerging and frontier markets with substantial populations. Such environments present a fertile ground for these firms, catering to the underserved and carving niches that traditional financial institutions have yet to penetrate. The vast populations in these regions present not just an expansive customer base but also a myriad of financial needs waiting to be addressed efficiently.

In aligning with these fintech companies, we aim to bridge the gap between innovative financial solutions and those who need them most. Together, we hope to realize our shared vision of a more efficient, inclusive, and progressive financial ecosystem.