MARKETS9 August 2026· 16 min
Regulated Fintech in Europe: Deep-Dive Sector Analysis 2024–2025
European regulated fintech is undergoing a structural transformation driven by MiCA, DORA, and PSD3. This deep-dive quantifies market dynamics, benchmarks leading players, and delivers a prioritized strategic roadmap for compliance-first growth.
SOURCES
[1]Dealroom.co — European Fintech Investment Report 2024 (including proprietary transaction database 2019–2024)
[2]European Banking Authority (EBA) — DORA Technical Standards Package (RTS/ITS), January 2024; Credit Institution Register; AML/CFT Compliance Reports 2023
[3]European Securities and Markets Authority (ESMA) — MiCA Implementation Progress Report Q1 2024; EMTS Database; Technical Standards on Crypto-Asset Service Providers 2023
[4]Deloitte — DORA Readiness Survey 2023 (n=180 financial entities); McKinsey Global Banking Annual Review 2024; Accenture Open Finance Revenue Opportunity Report 2024
[5]Cambridge Centre for Alternative Finance — Global Cryptoasset Benchmarking Study 2023; KPMG Pulse of Fintech H1 2024; EY European Fintech Radar 2024 (n=312 companies)