MARKETS12 September 2026· 16 min
Regulated Fintech in Europe: Deep-Dive Sector Analysis 2024–2025
Europe's regulated fintech sector is navigating a convergence of tightening compliance frameworks, consolidating VC funding, and accelerating institutional adoption. This deep-dive unpacks where the real opportunities lie—and which players are best positioned to capture them.
SOURCES
[1]Dealroom European Fintech Report Q3 2024 — dealroom.co/reports/fintech
[2]KPMG Pulse of Fintech H1 2024 — kpmg.com/xx/en/home/industries/financial-services/pulse-of-fintech.html
[3]European Banking Authority (EBA) — EUCLID Database of Registered Entities 2024 — eba.europa.eu/risk-analysis-and-data/registers
[4]European Commission — PSD3/PSR Legislative Package, June 2023 — eur-lex.europa.eu
[5]ESMA/EBA Joint Report on DORA Compliance Cost Estimates, January 2024 — esma.europa.eu
[6]Pitchbook European Fintech Deal Activity Report, Full Year 2023 and H1 2024 — pitchbook.com
[7]BaFin Annual Report 2023 — bafin.de/EN/PublikationenDaten/Jahresbericht
[8]EU Official Journal — Regulation (EU) 2023/1114 on Markets in Crypto-Assets (MiCA) — eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32023R1114
[9]Lighthouse Canton Enterprise Fintech Procurement Benchmarking Report 2024 — lighthousecanton.com
[10]Augmentum Fintech Annual Report 2024 — augmentumfintech.com/investor-relations