MARKETS4 September 2026· 16 min
Regulated Fintech in Europe: Deep-Dive Sector Analysis 2024–2025
European regulated fintech is navigating a dual inflection point: tightening regulatory frameworks (DORA, MiCA, PSD3) and a €9.1B funding contraction since 2021 peak. This premium analysis maps where structural alpha remains — and how to capture it.
SOURCES
[1]EBA Risk Dashboard Q2 2024 — European Banking Authority, July 2024
[2]ECB Payment Statistics 2023 Annual Report — European Central Bank, March 2024
[3]Dealroom.co European Fintech Report H1 2024 — Dealroom & Innovate Finance, July 2024
[4]Wise PLC Annual Report FY2024 — Companies House / Wise Investor Relations, June 2024
[5]Bunq B.V. Annual Accounts FY2023 — Dutch Chamber of Commerce (KvK), March 2024
[6]EBA DORA Implementation Survey — European Banking Authority, September 2023
[7]ESMA Retail Investment Strategy Impact Assessment — ESMA, May 2024
[8]Juniper Research: Embedded Finance & BaaS Market Forecast 2024–2026 — Juniper Research, February 2024
[9]Chainalysis European Crypto Market Report 2023 — Chainalysis, January 2024
[10]Bank of Lithuania Fintech Landscape Report 2024 — BoL, April 2024