MARKETS19 May 2026· 16 min

Regulated Fintech in Europe: Deep-Dive Sector Analysis 2024–2025

Name: InekIA
Rating: 4.8 (12 reviews)

European regulated fintech is entering a decisive phase: tighter compliance regimes, consolidation pressure, and divergent growth pockets. This premium analysis maps the regulatory landscape, quantifies market dynamics, and delivers prioritized strategic recommendations for operators and investors.

InekIA Editorial Team

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SOURCES

[1]European Banking Authority (EBA) — Annual Report on Payment Institutions and E-Money Institutions 2023, published April 2024

[2]PitchBook / Dealroom — European Fintech Funding Report Q3 2024, October 2024

[3]European Central Bank — Report on Card Fraud and Payment Security 2023, ECB Statistical Data Warehouse

[4]Wise plc — Annual Report FY2024 (year ending March 2024), London Stock Exchange filing

[5]Adyen N.V. — H1 2024 Interim Financial Results and Investor Presentation, August 2024

[6]Roland Berger — Open Finance in Europe: Market Sizing and Strategic Implications, 2024

[7]PwC — EU AI Act: Financial Services Impact Assessment, September 2024

[8]BCG FinTech Control Tower — Global Fintech 2024: Resilience in the Face of Turbulence, Boston Consulting Group

[9]Raisin DS — Investor Relations Q2 2024 Update and AUM Disclosure

[10]European Commission — Proposal for a Directive on Payment Services (PSD3) and Payment Services Regulation (PSR), June 2023, COM(2023) 366 final