MARKETS27 July 2026· 16 min
Regulated Fintech in Europe: Deep-Dive Sector Analysis 2024–2025
Europe's regulated fintech sector is undergoing a structural transformation driven by MiCA, DORA, and PSD3. This deep-dive reveals where capital is flowing, which compliance architectures win, and how to position strategically before the next regulatory wave.
SOURCES
[1]European Banking Authority (EBA) Risk Dashboard Q3 2024 — eba.europa.eu/risk-analysis-and-data
[2]European Securities and Markets Authority (ESMA) Annual Statistical Report on Capital Markets 2024 — esma.europa.eu
[3]ECB Payment Statistics 2024 — ecb.europa.eu/stats/payment_statistics
[4]Dealroom.co European FinTech Database, Q4 2024 — dealroom.co
[5]PwC Global FinTech Report 2024: Navigating the Regulatory Turn — pwc.com/gx/en/financial-services/fintech
[6]Juniper Research: Embedded Finance Markets 2024–2028 — juniperresearch.com
[7]Celent: ISO 20022 Migration Impact on B2B Payments Pricing, 2024 — celent.com
[8]Forrester Research: B2B Fintech Procurement Criteria Survey 2024 — forrester.com
[9]Starling Bank Annual Report 2023 — starlingbank.com/investor-relations
[10]Revolut Annual Financial Report 2023 — revolut.com/newsroom