📈 Funding & IPOs

Two UK FinTechs Dead. Here's What Their Failures Reveal About the Real Consolidation Crisis

VibePay and Smartlayer didn't fail because their ideas were bad. They failed because the entire venture-backed fintech playbook has run out of steam.

Liquidation notice document with UK Companies House filing, symbolizing fintech startup closure
James Kowalski
Written by

James Kowalski

Investigative tech reporter focused on AI ethics, regulation, and societal impact.

Worth sharing?

Get the best Finance stories of the week in your inbox — no noise, no spam.

Originally reported by PYMNTS

Stay in the loop

The week's most important stories from Fintech Pulse, delivered once a week.