It pays to be kind in fintech. Or, at least, it shows how mature you are.
A new report has suggested collaborative fintech ventures, which target financial institutions as customers, are gaining ground on disrupters, which aim to compete with them.
Globally, collaborative ventures accounted for 38 per cent of all fintech investment in 2010. In 2015, this figure grew to 44 per cent, with the remaining funds going towards disrupters.
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Accenture's 'Fintech and the evolving landscape' report said that the rise in North America was even more pronounced - increasing from 40 per cent to 60 per cent.
But the opposite trend is being seen in Europe, with disrupters' investment rising from 62 per cent in 2010 to 86 per cent last year.
Accenture puts this down to the "maturity" of North America.
"The proportion of competitive fintech ventures in Europe and Asia is much higher than in North America, which largely reflects the earlier stages of maturity of fintech markets, particularly outside of London,” said Julian Skan, a managing director in Accenture’s financial services group.
"London’s welcoming regulatory environment has made a preferred market for competitive fintech ventures to test their propositions.
"Banks too stand to benefit from this, as it drives momentum to re-imagine their own capabilities."
Global investment in fintech grew by 67 per cent year on year in the first quarter of 2016 to $5.3bn (£3.7bn), according to Accenture.
This followed a 75 per cent growth to $22.3bn in 2015 as a whole.
According to Accenture, overall fintech investment in Europe increased by 120 per cent between 2014 and 2015. And the number of deals increased by 51 per cent.