Most people reading this probably have a few bank accounts and credit cards — yet over 80% of the world remains “underbanked” or “unbanked.”

Fintech continues to fill access gaps for the underbanked and convenience gaps for the average consumer. Still, the relatively new industry saw a stark valuation drop and loss of investment this past year. Experts at BDC described this as only a “necessary, short-term correction.”

Meaning?

Fintech is still on its way to becoming a $1.5 trillion industry by 2030, especially in the Asia-Pacific market, according to a new Global Fintech report from BCG.

Here are more highlights from the report.

Shift from real-time payments to B2B2X & B2B

Fintechs like Wise and Xero make it easy to pay partners, family members, and businesses overseas. Similarly, neobanks like Brazil’s Nubanks help create access to banking across underbanked populations. For the most part, fintech’s most recent emphasis has been on one-time payments and personal banking.

But BCG predicts a shift to the business and customer experience side of the equation:

• B2B: Business to business
• B2BX:
  • B2B2C, helping businesses serve other customers
  • B2B2B, helping businesses serve other businesses

The unique B2B2X market has a predicted 25% CAGR (C annual growth rate), fuelled by growth in financial infrastructure.

This new focus will support businesses struggling to access financing and credit.

Customer acquisition is both the top challenge and priority

Fintechs overpower traditional banking counterparts in automation, convenience, and access. That’s why banks see drastically lower customer satisfaction metrics compared to fintech. 

Net promoter score is the likelihood of consumers recommending a product. For traditional financial services, NPS is a meager 23/100, while fintech NPS can reach as high as 90.

But customer acquisition still poses the biggest challenge to CEOs interviewed and biggest priority. New fintechs will have to couple customer acquisition challenges with scaling and growth to compete in the bustling market.

Banking licenses an obstacle to scaling for spread businesses (banks, neobanks, lenders)

Financing is a top concern for newer spread businesses, since it’s not as easy for them to access low-cost funds to operate.

BCG sees bank licenses as a vehicle for better funding access. This will prove vital to compete amidst traditional banks catching onto tech and open banking.

Asia-Pacific (APAC) to “outpace” US and Canada as the world’s largest fintech market

If you think young American professionals are tech-savvy, you might be forgetting about the increasing tech-focused population in the Asia-Pacific.

China, Indonesia, and India fuel the fintech market with the simultaneous largest fintechs and the largest population of underbanked people.

The result? APAC’s fintech market has a projected CAGR of 27% (compared to 17% for the US).Read BCG’s full report.

Pinpointing which jobs are the country’s least popular can tell you something about the direction an economy is going.

That’s because industries that once thrived might have lost ground to technological or other advances and have few job openings. Others with many opportunities for employment might be growing.

Of course, jobs can be unpopular or uncommon for many reasons. On the TV show “Dirty Jobs,” host Mike Rowe is seen farming deer for urine and relocating beavers—clearly, employment that’s not for everyone.

Other jobs might require years of education or training or be limited to certain geographical areas.

Stacker ranked the 100 least popular jobs in America, based on their total employment and using May 2022 data from the Bureau of Labor Statistics, Only detailed job categories were included in the analysis. Every position’s number of total workers in the United States is listed alongside its average annual wage and average hourly wage.

Read on to see if you hold one of the least popular jobs in the country.

Stokkete // Shutterstock

#100. Archivists

– Total nationwide employment: 7,230
– Median hourly wage: $28.19
– Median annual wage: $58,640

Kzenon // Shutterstock

#99. Helpers–extraction workers

– Total nationwide employment: 6,910
– Median hourly wage: $20.73
– Median annual wage: $43,110

Glen Jones // Shutterstock

#98. Layout workers, metal and plastic

– Total nationwide employment: 6,890
– Median hourly wage: $28.01
– Median annual wage: $58,260

APChanel // Shutterstock

#97. Signal and track switch repairers

– Total nationwide employment: 6,880
– Median hourly wage: $39.09
– Median annual wage: $81,300

Golubovy // Shutterstock

#96. Statistical assistants

– Total nationwide employment: 6,710
– Median hourly wage: $23.50
– Median annual wage: $48,880

Brian Goodman // Shutterstock

#95. Textile bleaching and dyeing machine operators and tenders

– Total nationwide employment: 6,640
– Median hourly wage: $15.71
– Median annual wage: $32,680

Monkey Business Images // Shutterstock

#94. Exercise physiologists

– Total nationwide employment: 6,580
– Median hourly wage: $24.69
– Median annual wage: $51,350

GOLFX // Shutterstock

#93. Desktop publishers

– Total nationwide employment: 6,560
– Median hourly wage: $23.04
– Median annual wage: $47,910

ZikG // Shutterstock

#92. Fish and game wardens

– Total nationwide employment: 6,530
– Median hourly wage: $28.61
– Median annual wage: $59,500

Pixel B // Shutterstock

#91. Drilling and boring machine tool setters, operators, and tenders, metal and plastic

– Total nationwide employment: 6,470
– Median hourly wage: $20.41
– Median annual wage: $42,450

Jacob Lund // Shutterstock

#89. Architecture teachers, postsecondary

– Total nationwide employment: 6,420
– Median hourly wage: Not available
– Median annual wage: $93,220

Canva

#89. Cooling and freezing equipment operators and tenders

– Total nationwide employment: 6,420
– Median hourly wage: $20.62
– Median annual wage: $42,890

Canva

#88. Musical instrument repairers and tuners

– Total nationwide employment: 6,330
– Median hourly wage: $18.34
– Median annual wage: $38,150

Canva

#87. Orthodontists

– Total nationwide employment: 6,310
– Median hourly wage: $83.83
– Median annual wage: $174,360

LaKirr // Shutterstock

#86. Extraction workers, all other

– Total nationwide employment: 6,290
– Median hourly wage: $24.81
– Median annual wage: $51,600

Patrizio Martorana // Shutterstock

#85. Hydrologists

– Total nationwide employment: 6,270
– Median hourly wage: $41.34
– Median annual wage: $85,990

Syda Productions // Shutterstock

#84. Farmers, ranchers, and other agricultural managers

– Total nationwide employment: 6,250
– Median hourly wage: $36.42
– Median annual wage: $75,760

I. Noyan Yilmaz // // Shutterstock

#83. Environmental science teachers, postsecondary

– Total nationwide employment: 6,240
– Median hourly wage: Not available
– Median annual wage: $83,040

Canva

#82. Agricultural workers, all other

– Total nationwide employment: 6,100
– Median hourly wage: $17.17
– Median annual wage: $35,720

Canva

#81. Forest and conservation workers

– Total nationwide employment: 6,080
– Median hourly wage: $15.51
– Median annual wage: $32,270

Max Mark Agnor // Shutterstock

#80. Pourers and casters, metal

– Total nationwide employment: 6,070
– Median hourly wage: $21.67
– Median annual wage: $45,070

Krysja // Shutterstock

#79. Nuclear technicians

– Total nationwide employment: 5,880
– Median hourly wage: $48.28
– Median annual wage: $100,420

Canva

#78. Helpers–roofers

– Total nationwide employment: 5,790
– Median hourly wage: $17.80
– Median annual wage: $37,020

Linda Zupanc // Shutterstock

#77. Costume attendants

– Total nationwide employment: 5,730
– Median hourly wage: $23.30
– Median annual wage: $48,470

Desizned // Shutterstock

#76. Political scientists

– Total nationwide employment: 5,660
– Median hourly wage: $61.55
– Median annual wage: $128,020

viktoriia varvashchenko // Shutterstock

#75. Disc jockeys, except radio

– Total nationwide employment: 5,640
– Median hourly wage: $21.34
– Median annual wage: Not available

Gorodenkoff // Shutterstock

#74. Nuclear power reactor operators

– Total nationwide employment: 5,450
– Median hourly wage: $55.71
– Median annual wage: $115,870

Canva

#73. Choreographers

– Total nationwide employment: 5,400
– Median hourly wage: $24.52
– Median annual wage: $50,990

Canva

#72. Photographic process workers and processing machine operators

– Total nationwide employment: 5,380
– Median hourly wage: $17.44
– Median annual wage: $36,280

Canva

#71. Tool grinders, filers, and sharpeners

– Total nationwide employment: 5,320
– Median hourly wage: $20.16
– Median annual wage: $41,940

Canva

#70. Dentists, all other specialists

– Total nationwide employment: 5,250
– Median hourly wage: $102.28
– Median annual wage: $212,740

Canva

#69. Loading and moving machine operators, underground mining

– Total nationwide employment: 5,210
– Median hourly wage: $30.73
– Median annual wage: $63,920

Canva

#68. Proofreaders and copy markers

– Total nationwide employment: 5,120
– Median hourly wage: $21.83
– Median annual wage: $45,410

Canva

#67. Correspondence clerks

– Total nationwide employment: 4,970
– Median hourly wage: $18.61
– Median annual wage: $38,700

Jacob Lund // Shutterstock

#65. Anthropology and archeology teachers, postsecondary

– Total nationwide employment: 4,930
– Median hourly wage: Not available
– Median annual wage: $85,000

ALPA PROD // Shutterstock

#65. Entertainment attendants and related workers, all other

– Total nationwide employment: 4,930
– Median hourly wage: $13.11
– Median annual wage: $27,260

HannaTor // Shutterstock

#64. Gambling managers

– Total nationwide employment: 4,800
– Median hourly wage: $38.80
– Median annual wage: $80,710

Robilad Co // Shutterstock

#63. Craft artists

– Total nationwide employment: 4,760
– Median hourly wage: $18.34
– Median annual wage: $38,150

Fortish // Shutterstock

#62. Explosives workers, ordnance handling experts, and blasters

– Total nationwide employment: 4,710
– Median hourly wage: $27.24
– Median annual wage: $56,670

Yulyazolotko // Shutterstock

#61. Fallers

– Total nationwide employment: 4,530
– Median hourly wage: $23.64
– Median annual wage: $49,160

Canva

#60. Library science teachers, postsecondary

– Total nationwide employment: 4,330
– Median hourly wage: Not available
– Median annual wage: $76,370

Canva

#59. Oral and maxillofacial surgeons

– Total nationwide employment: 4,290
– Median hourly wage: #
– Median annual wage: #

Canva

#58. Floor sanders and finishers

– Total nationwide employment: 4,270
– Median hourly wage: $22.14
– Median annual wage: $46,060

Canva

#57. Telephone operators

– Total nationwide employment: 4,030
– Median hourly wage: $18.43
– Median annual wage: $38,330

NKM999 // Shutterstock

#55. Embalmers

– Total nationwide employment: 3,950
– Median hourly wage: $23.99
– Median annual wage: $49,910

TFoxFoto // Shutterstock

#55. Log graders and scalers

– Total nationwide employment: 3,950
– Median hourly wage: $20.37
– Median annual wage: $42,370

Canva

#54. Rock splitters, quarry

– Total nationwide employment: 3,910
– Median hourly wage: $22.12
– Median annual wage: $46,010

Aniwat phromrungsee // Shutterstock

#53. Commercial divers

– Total nationwide employment: 3,860
– Median hourly wage: $32.84
– Median annual wage: $68,300

Erickson Stock // Shutterstock

#52. Mathematical science occupations, all other

– Total nationwide employment: 3,840
– Median hourly wage: $34.47
– Median annual wage: $71,700

Canva

#51. Gas compressor and gas pumping station operators

– Total nationwide employment: 3,740
– Median hourly wage: $28.84
– Median annual wage: $59,990

Canva

#50. Occupational therapy aides

– Total nationwide employment: 3,710
– Median hourly wage: $17.82
– Median annual wage: $37,060

Denys Yelmanov // Shutterstock

#49. Bridge and lock tenders

– Total nationwide employment: 3,690
– Median hourly wage: $22.73
– Median annual wage: $47,280

indykb // Shutterstock

#48. Manufactured building and mobile home installers

– Total nationwide employment: 3,630
– Median hourly wage: $17.70
– Median annual wage: $36,820

Canva

#47. Logging workers, all other

– Total nationwide employment: 3,490
– Median hourly wage: $22.65
– Median annual wage: $47,110

Canva

#46. Sewers, hand

– Total nationwide employment: 3,440
– Median hourly wage: $15.16
– Median annual wage: $31,530

JL IMAGES // Shutterstock

#45. Transit and railroad police

– Total nationwide employment: 3,370
– Median hourly wage: $33.25
– Median annual wage: $69,150

Gorodenkoff // Shutterstock

#44. Model makers, metal and plastic

– Total nationwide employment: 3,350
– Median hourly wage: $27.70
– Median annual wage: $57,620

GagliardiPhotography // Shutterstock

#43. Geography teachers, postsecondary

– Total nationwide employment: 3,340
– Median hourly wage: Not available
– Median annual wage: $81,920

Canva

#42. Pile driver operators

– Total nationwide employment: 3,290
– Median hourly wage: $30.92
– Median annual wage: $64,310

Canva

#41. Genetic counselors

– Total nationwide employment: 3,220
– Median hourly wage: $43.26
– Median annual wage: $89,990

Mark_Kostich // Shutterstock

#40. Medical dosimetrists

– Total nationwide employment: 3,190
– Median hourly wage: $62.01
– Median annual wage: $128,970

Agenturfotografin // Shutterstock

#39. Historians

– Total nationwide employment: 3,120
– Median hourly wage: $31.03
– Median annual wage: $64,540

Dmitry Dven // Shutterstock

#38. Motorboat operators

– Total nationwide employment: 3,110
– Median hourly wage: $19.92
– Median annual wage: $41,430

Sergii Kovalov // Shutterstock

#37. Fabric and apparel patternmakers

– Total nationwide employment: 3,070
– Median hourly wage: $29.00
– Median annual wage: $60,320

Canva

#36. Sociologists

– Total nationwide employment: 2,980
– Median hourly wage: $47.40
– Median annual wage: $98,590

Kokulina // Shutterstock

#35. Makeup artists, theatrical and performance

– Total nationwide employment: 2,970
– Median hourly wage: $46.33
– Median annual wage: $96,370

Olaf Speier // Shutterstock

#34. Shoe machine operators and tenders

– Total nationwide employment: 2,960
– Median hourly wage: $15.89
– Median annual wage: $33,060

SimonTheSorcerer // Shutterstock

#33. Crematory operators

– Total nationwide employment: 2,930
– Median hourly wage: $19.40
– Median annual wage: $40,360

Photodiem // Shutterstock

#32. Hydrologic technicians

– Total nationwide employment: 2,920
– Median hourly wage: $28.06
– Median annual wage: $58,360

APChanel // Shutterstock

#31. Rail yard engineers, dinkey operators, and hostlers

– Total nationwide employment: 2,680
– Median hourly wage: $27.09
– Median annual wage: $56,340

Pressmaster // Shutterstock

#30. Animal scientists

– Total nationwide employment: 2,520
– Median hourly wage: $33.36
– Median annual wage: $69,390

Canva

#29. Hoist and winch operators

– Total nationwide employment: 2,440
– Median hourly wage: $28.34
– Median annual wage: $58,950

Canva

#28. Family and consumer sciences teachers, postsecondary

– Total nationwide employment: 2,420
– Median hourly wage: Not available
– Median annual wage: $76,440

NancyS // Shutterstock

#27. Forest fire inspectors and prevention specialists

– Total nationwide employment: 2,290
– Median hourly wage: $23.13
– Median annual wage: $48,110

Peruphotart // Shutterstock

#26. Underground mining machine operators, all other

– Total nationwide employment: 2,270
– Median hourly wage: $30.86
– Median annual wage: $64,180

Canva

#25. Rail transportation workers, all other

– Total nationwide employment: 2,240
– Median hourly wage: $20.33
– Median annual wage: $42,280

Funtay // Shutterstock

#24. Patternmakers, metal and plastic

– Total nationwide employment: 2,230
– Median hourly wage: $26.43
– Median annual wage: $54,970

Canva

#23. Paperhangers

– Total nationwide employment: 2,220
– Median hourly wage: $21.60
– Median annual wage: $44,930

abriendomundo // Shutterstock

#22. Astronomers

– Total nationwide employment: 2,160
– Median hourly wage: $61.70
– Median annual wage: $128,330

Sergey Ryzhov // Shutterstock

#21. Camera and photographic equipment repairers

– Total nationwide employment: 2,120
– Median hourly wage: $21.18
– Median annual wage: $44,060

Kenishirotie //Shutterstock

#19. Mathematicians

– Total nationwide employment: 2,070
– Median hourly wage: $53.90
– Median annual wage: $112,110

Canva

#19. Models

– Total nationwide employment: 2,070
– Median hourly wage: $20.73
– Median annual wage: $43,130

Canva

#18. Motion picture projectionists

– Total nationwide employment: 1,900
– Median hourly wage: $16.04
– Median annual wage: $33,360

Canva

#17. Watch and clock repairers

– Total nationwide employment: 1,880
– Median hourly wage: $23.25
– Median annual wage: $48,370

Causeway // Shutterstock

#16. Roof bolters, mining

– Total nationwide employment: 1,700
– Median hourly wage: $28.95
– Median annual wage: $60,210

Budimir Jevtic // Shutterstock

#15. Agricultural engineers

– Total nationwide employment: 1,500
– Median hourly wage: $40.03
– Median annual wage: $83,260

Bannafarsai_Stock // Shutterstock

#14. Terrazzo workers and finishers

– Total nationwide employment: 1,460
– Median hourly wage: $25.16
– Median annual wage: $52,330

Adwo // Shutterstock

#13. Geographers

– Total nationwide employment: 1,360
– Median hourly wage: $42.74
– Median annual wage: $88,900

fizkes // Shutterstock

#12. Industrial-organizational psychologists

– Total nationwide employment: 1,280
– Median hourly wage: $66.96
– Median annual wage: $139,280

Robert Kneschke // Shutterstock

#10. Forestry and conservation science teachers, postsecondary

– Total nationwide employment: 1,270
– Median hourly wage: Not available
– Median annual wage: $96,500

goodluz // Shutterstock

#10. Animal breeders

– Total nationwide employment: 1,270
– Median hourly wage: $21.79
– Median annual wage: $45,320

Canva

#9. Communications equipment operators, all other

– Total nationwide employment: 1,240
– Median hourly wage: $22.20
– Median annual wage: $46,180

motodan // Shutterstock

#8. Dredge operators

– Total nationwide employment: 940
– Median hourly wage: $22.64
– Median annual wage: $47,090

beerkoff // Shutterstock

#7. Pediatric surgeons

– Total nationwide employment: 780
– Median hourly wage: #
– Median annual wage: #

Canva

#6. Model makers, wood

– Total nationwide employment: 720
– Median hourly wage: $22.57
– Median annual wage: $46,940

carlesmiro // Shutterstock

#5. Cooks, private household

– Total nationwide employment: 610
– Median hourly wage: $18.54
– Median annual wage: $38,570

Canva

#4. Refractory materials repairers, except brick masons

– Total nationwide employment: 580
– Median hourly wage: $24.30
– Median annual wage: $50,550

Canva

#3. Farm labor contractors

– Total nationwide employment: 550
– Median hourly wage: $23.72
– Median annual wage: $49,330

PRESSLAB // Shutterstock

#2. Timing device assemblers and adjusters

– Total nationwide employment: 370
– Median hourly wage: $20.33
– Median annual wage: $42,290

Dusan Petkovic // Shutterstock

#1. Patternmakers, wood

– Total nationwide employment: 330
– Median hourly wage: $21.29
– Median annual wage: $44,290

 

Data reporting by Paxtyn Merten. Story editing by Jeff Inglis. Copy editing by Robert Wickwire. 

Anyone can type out a vision, mission statement, and outline some core values. But Bobbie Racette, the founder and CEO of Virtual Gurus, took things one step further: she made sure it was posted at the entrance to the company’s office with messages of inclusion and acceptance. 

She says those messages are a central part of the company culture, which she sees as a shared belief in acceptance that unites the approximately 50 people working in the company’s headquarters.

But even with such a visible statement, she struggled to maintain a company-wide focus as the start-up grew and expanded. 

“Even though the pandemic was still 300 percent, year over growth, we broke internally,” said Racette. “Because our culture was just a mess.”

For Racette, it required her to realize she couldn’t just instill that culture and stress its importance to her leadership team, hoping it would trickle down. She couldn’t just put it on a wall. She had to model those beliefs and bring them directly to all of her employees. 

And she had to listen. 

So, what really is culture?

The struggle of building and maintaining culture through rapid growth isn’t rare. The start-up world is littered with companies that lost their way. 

Culture is no small thing. It’s the foundation of a business and helps guide decisions — from the big to the mundane. If the focus is sharp and the will is there, it will help guide who is hired and how they fit into the larger team. 

It’s not about what the office looks like, or free lunches and abundant snacks — the sort of perk-heavy, laid-back office that has come to be associated with tech startups. The atmosphere of a place is not the core of what it means to work there.

Finding and nurturing that core is particularly important for Racette and Virtual Gurus, which provides companies with remote workers on everything from social media to accounting, and focuses on providing employment for underrepresented communities. 

“I realized I had to pull back some of the perks and then push the values and I had to essentially retrain everybody to think, ‘wait, if I’m gonna get the perks, I gotta live with the mission, vision, and values, not the other way around,’” said Racette.

The culture she wanted at the company prioritizes inclusiveness, but also innovation, agility, and positivity. Racette realized it was critical to screen out those who didn’t buy in or could be toxic to the kind of workplace she needed for her company. 

“I truly believe that in order to get comfortable, you have to get uncomfortable first. So our entire company had to go through an uncomfortable moment,” she said.

And those values she’s so determined to nurture are personal and hard-earned. 

“I have lived through the barriers of being an Indigenous woman, a queer Indigenous woman, who has tattoos and… can’t get a job,” she said at the recent mesh conference in Calgary. 

How do you maintain culture through growth or scale-up?

When Racette started the company in 2016, maintaining that culture was easy.

She was the only employee. 

Then came funding rounds and growth. More employees in the office, but also more and more virtual assistants — over 1,000 at last count — spread across North America. 

“You can run a company all day long, but when you’re scaling, you have to pivot left, right, and center all the time,” Racette told mesh conference attendees.

“And so when you pivot, you have to take your whole company and pivot with you, and when you’re doing that you have to keep the culture during that.”

Screening out those elements toxic to the culture at Virtual Gurus was an important step. Research has shown that toxic culture is a big driver of what’s been dubbed “the Great Resignation.”

Racette also followed the advice from organizations and other businesses when it comes to managing growth and culture — from hiring to setting targets and ensuring she is accountable for both change and cultural stability. 

Communication, she said in a recent interview, was key. 

“I send out weekly CEO updates by email, and then we’ll have all-hands meetings twice a month, and I host those,” said Racette. “So I’m very communicative about why and how the culture is changing.”

Central to that communication is allowing staff to offer feedback, listening closely to what they’re saying — and not being afraid of criticism. She now does what she calls a daily “lion hunt,” going through the office and checking in with employees.

She also says there has been an increased focus on all of the virtual assistants who form the backbone of the company, but who can’t be there in person for her walks around the office. The company has created a virtual hub to maintain those connections, providing incentives and perks, while also emphasizing the importance of the company values and mission. 

“We don’t just treat them like a number,” Racette said. 

But like those words written at the entrance to the company office, it takes more than spelling it out and carrying on. 

“You can talk about it all day long, it’s actioning it,” said Racette. “And that’s one thing I’ve noticed with us is we were talking about the culture, but we weren’t actually actioning it.”

And, of course, incentives work too. Racette says employee bonuses worth four to eight percent of their salary now hinge on whether they follow the company values.

How has work culture changed over time?

Contemporary workplaces, and certainly startups, are a different beast than the offices of old. They are nimble and often more flexible. And unlike many formal offices, there’s no dress code at Virtual Gurus.

But it’s also about how company’s measure and value work — something that can have a profound impact on culture. 

“I think it’s changed from being activity and action-driven to being more outcomes-focused,” said Racette. 

At her office, employees aren’t judged for showing up late, or engaging in more activities that don’t necessarily lead to the right kind of results. If it takes five hours for someone to do all their work, then so be it. 

Racette wants her staff to be accepting of those around them, and to be adaptable in the face of constant change. In order to get there, it only makes sense to put that same faith in her employees, leading down to nurture that all-important culture. 

“You can’t fix your culture or have a good culture unless people have a psychologically safe space to work,” she said.

Stepping off an elevator and seeing a wall plastered with good intentions is one thing, but walking into an office where employees are all committed to goals based on those shared values is another, more successful thing altogether.