The fintech industry is prioritizing profitability as it faces growth challenges and funding slowdowns. Companies are now concentrating on scalable cost structures to enhance their EBITDA margins, which have improved significantly. 

This strategic pivot comes after a period of exuberant growth and high valuations in 2021, followed by a decline in revenue multiples. The Asia-Pacific region is expected to become the largest fintech market by 2030, driven by its large, underpenetrated markets​.

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