In 2023, when generative AI began to spread in earnest, AI and finance dominated the headlines.
In the field of AI, advances in multimodal technology have enabled AI to handle inputs and outputs that are close to human senses, such as visual and auditory inputs in addition to linguistic information. Furthermore, as we begin to see a future in which AI will be the buyer in the buying and selling market, sellers will be forced to rethink new marketing strategies that target AI.
In the financial sector, the spread of subscriptions has stabilized the outlook for future sales, leading to the emergence of business loan schemes that require sales-based repayment. Meanwhile, the expansion of embedded finance business models for insurance and securities has significantly changed the ways in which financial businesses approach customers.
Tracking these business models two years later revealed that over 80% were growing steadily, but 17% remained in stealth mode or had gone out of business.
The main factors behind this are a wide variety of issues, including unforeseen hostile takeovers, a short cash runway due to an excessively high burn rate, the fact that the company's business model is so advanced that it has only progressed to proof-of-concept testing, technical challenges in the field of robotics, market uncertainty due to climate change, and the slow pace of adoption of Web3.
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