FINANCIAL TECHNOLOGY
Buyers are writing fewer checks with more conviction behind each one. The number gets decided long before anyone quotes a number. It gets decided by how many of the right acquirers understand what you have built and why it fits what they are trying to do next.
Transactions completed firmwide
Aggregate transaction value
Cross-border deals transacted
YOUR BANKER
Jonathan leads the FinTech practice and leads your deal. Same person in the first meeting, in the negotiation, and on your calls in month six. There is nobody to hand you off to.
Managing Director, Financial Technology
WHAT WE DO
Most founders arrive convinced they need one of these. A meaningful number leave having done the other. We do not have a preference. We are paid to help you pick correctly.
We put our influence to work getting you the best number.
Institutional process rather than a warm-intro scramble.
Payments, wealth technology, investment accounting, deposit infrastructure, market data, and regulated digital assets. Robinhood's IPO, SoFi's bank charter acquisition, R&T with GTCR, Ondot to Fiserv, Ondot Sale to Fiserv, Lido majority Recapitalization with Charlesbank, Avoka in its sale to Temenos, and Confirm.io in its sale to Facebook/Meta.
Payment gateways, acquiring, global payouts, merchant acquiring, and real-time rail infrastructure.
Turnkey asset management programs (TAMP), portfolio rebalancing, RIA workflows, and wealth management SaaS.
Multi-asset investment accounting, risk analytics, performance reporting, and fund administration tech.
Core banking systems, deposit optimization networks, lending software, and embedded finance enablement.
Algorithmic trading software, market data distribution, post-trade settlement, and execution analytics.
Digital asset custody, tokenized real-world assets (RWA), institutional liquidity, and crypto compliance.
Trust accounting, estate planning platforms, family office software, and fiduciary compliance tools.
Automated financial operations, cap table management, AML/KYC platforms, and embedded insurance software.
Where our senior bankers trained before Nfluence.
YOUR OPTIONS
Every banker says they run a competitive process. The phrase means nothing on its own. Here is what actually changes depending on which route you take.
Enough that no single party sets the terms
What the market will actually pay, priced by competition
Four to seven months
Highest, and planned for
Real alternatives, including walking away
Managed deliberately, under NDA and staged disclosure
| Metric | Run a limited process | Run a full process | Run a full process |
|---|---|---|---|
| Buyers at the table | One | Two or three | Enough that no single party sets the terms |
| What you learn about the market | One party's view of your value | A partial read | What the market will actually pay, priced by competition |
| Time required | Weeks, mostly reactive | Two to four months | Four to seven months |
| Disruption to the business | Low at first, high if it drags | Moderate | Highest, and planned for |
| Your negotiating position | Whatever they decide to offer | Some leverage on price and terms | Real alternatives, including walking away |
| Confidentiality | Easiest to contain | Manageable | Managed deliberately, under NDA and staged disclosure |
Timeframes are typical ranges for middle-market technology transactions and vary by company, sector, and market conditions. They are not a projection of outcome.
Acquired by Cvent (Blackstone)
Exclusive financial advisor to the seller
Has been acquired by LEMNIS
Financial advisor on its sale to LEMNIS
Strategic recapitalization
Lead placement agent
Acquired by Visit Group, a portfolio company of PSG
Financial advisor to the seller
Has been acquired by Mode Mobile
Exclusive financial advisor to the seller
Has been acquired by Zucchetti
Exclusive financial advisor to the seller
Growth debt financing from Trinity Capital and Level Equity Financing
Lead placement agent
Has been acquired by Monex Financial Group / Coincheck
Exclusive financial advisor to the seller
Acquired by Aldrich Capital Partners
Exclusive financial advisor to the company
Advised PracticeSuite on acquisition of MicroMD
Exclusive financial advisor to the buyer
Received financing from Heritage Bank of Commerce
Capital raise lead
Carve-out from Henry Schein acquired by PracticeSuite
Exclusive financial advisor to the buyer
Acquired by Level Access, a portfolio company of KKR & JMI Equity
Financial advisor to the seller
Has been acquired by Charlesbank Capital Partners
Exclusive financial advisor to the seller
Has been acquired by Yieldstreet
Exclusive financial advisor to the seller
Follow-on public offering
Financial advisor on follow-on equity offering
Has been acquired by Constellation Software
Exclusive financial advisor to the seller
Advised on strategic acquisition of Rotor Video
Exclusive financial advisor to the buyer
* Select transactions shown. Includes current Nfluence bankers' experience at prior firms. Full track record available upon request.
INSIGHTS
Sector reports and point of view, published on a cadence, not a one-off before a pitch.
M&A volume in financial services rose 3% while total deal value fell roughly 30%, with top transactions taking the lion's share of liquidity.
Read more
Where valuations are landing across deposit infrastructure, investment accounting, and regulated digital assets.
Read moreThe accelerating shift of private equity and strategic investment into B2B workforce development and technical credentialing.
Read moreWhy enterprise buyers are paying record multiples for clean identity resolution, customer data platforms, and consent management.
Read moreTHE MARKET READ
Global fintech investment in the first half of 2026, across roughly 2,100 deals.
Of that total, the share that landed in the United States alone.
M&A specifically, across 394 deals. The largest single share of the market.
There is more money in fintech than there has been in four years. Then look at how it distributed. Financial services M&A volume rose about 3% in the first half of 2026 while total deal value fell roughly 30%, and the ten largest deals took 58% of all value. Both things are true at once, which is why the market feels different depending on where you are standing in it.
If you are running a fintech business between $10M and $50M in revenue, the shape of that market matters more than the total. Good companies are not getting underpriced. They are getting skipped. That is not a valuation problem. It is a legibility problem. A buyer with conviction is a buyer with a thesis, and if your company does not map onto somebody's stated strategy you will never make the shortlist. You will not know it happened, because nobody sends a rejection note for a deal that was never scoped.
KPMG, Pulse of Fintech H1 2026, EY and PwC H1 2026 financial services data, as compiled by Fintent, August 2026. Refreshed each half.
WHERE WE'LL BE
If you are going to Las Vegas, twenty minutes on the floor is worth more than a call in November. Jonathan keeps a handful of slots open for founders who are thinking about the next eighteen months.
The Venetian Expo. Las Vegas, Nevada
Jonathan Kaufman, Managing Director, Financial Technology
Not a pitch, and not a booth conversation. Bring the question you would actually want answered before you run a process. What companies like yours traded for this year. Which acquirers are active in your category right now and which have gone quiet. Whether your timing is right or whether you are eighteen months early.
You will get a straight answer, and if we are not the right firm for you Jonathan will say so and point you somewhere better.
Money20/20 Connect opens September 24, and senior calendars fill well before the show. The conference is too large to navigate by drop-in, so the meetings that happen are the ones booked in advance.
Not going to Vegas? Jonathan is in New York and San Francisco through the fall. Book a call instead.
FAQ
Talk to us. We'll give you two numbers: the conservative one and the outlier. A calculator gives you a range. A buyer gives you a number. In fintech, the outlier usually comes from a buyer nobody had on the list, often overseas. We've closed 50+ cross-border deals across 20+ countries, and when the right foreign strategic buyer competes with a domestic one, the price changes.
Not yet. They already see your volume and margins, and that advantage shows up in their offer. We've watched competitive tension move a final price well past the first offer. Check your contract for a right of first refusal, then let us put credible alternatives at the table. Jonathan has sat on the buyer's side as a fintech Head of M&A, so he knows what your partner's corp dev team is modeling.
No. In fintech your buyers are often your partners or competitors, so we plan for that. Everything starts under NDA. Customer names stay blinded until late diligence, and sensitive pricing goes through a clean team. Because we run a handful of processes at a time, a senior banker personally controls who sees what.
No. Most founders we take to market, we met a year or two early. Audits, SOC 2, licensing gaps, and bank agreements that expire mid-process all take months to fix. Early is also when we start warming the buyers most likely to pay for you. If you're not a fit for us, we'll tell you and point you to someone who is.
More than you'd think. Minority recaps, secondaries, growth rounds, and structured credit can get investors liquid while the founder keeps control. We don't earn recurring fees from PE or growth sponsors, so we have no reason to steer you toward one. We just pick the structure that fits.
Net revenue. Volume gets you the meeting. Net revenue sets the price. Buyers strip out interchange and look at take rate, retention, and concentration. Our job is building the story around what you keep. The premium buyers pay for software-led payments goes to companies that tell that story clearly.
As rate-sensitive, and they'll discount it. Report it separately, show the business at lower rates, and prove the balances are sticky. Jonathan ran finance at a fintech, so he builds this the way a buyer's CFO reads it, before they get the chance to haircut it.
Only if you haven't stress-tested the relationship. Buyers now diligence bank partnerships as hard as the financials. A long-dated agreement or a second bank is worth real money. We pressure-test it before any buyer sees it, and our relationships on the bank side help when a partner needs to sign off on a change of control.
Usually. Money transmitter licenses need state-by-state approval, broker-dealers need FINRA sign-off, and advisory clients have to consent. Cross-border buyers add their own reviews. We've closed deals with foreign acquirers of regulated fintechs, so we build the approval path into the timeline from day one.
Rarely, if you raise it early and can show it's fixed. Late surprises reopen price. The senior banker who hears about it in meeting one is the same one framing it for buyers in month four. Nothing gets lost in a handoff.
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