MARCHÉS18 mai 2026· 16 min
Regulated Fintech in Europe: Deep-Dive Sector Analysis 2024–2025
European regulated fintech is undergoing a structural reset: new licensing frameworks, capital requirements, and AI-driven compliance tools are separating market leaders from laggards. This deep-dive delivers quantitative benchmarks, reproducible methodology, and ranked strategic recommendations for operators and investors.
SOURCES
[1]European Banking Authority (EBA): Register of Payment Institutions and Electronic Money Institutions, Q2 2024 — https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/payment-services-and-electronic-money
[2]European Commission: Regulation (EU) 2023/1114 on Markets in Crypto-Assets (MiCA), Official Journal of the European Union, June 2023
[3]European Commission: Digital Operational Resilience Act (DORA) — Regulation (EU) 2022/2554, Official Journal of the European Union, January 2023
[4]Celent Research: 'Open Finance Market Sizing in Europe 2024–2028', March 2024
[5]Wise plc: Annual Report and Accounts FY2024, London Stock Exchange filing, July 2024
[6]BaFin: Annual Report 2023 — Supervisory Activities and Enforcement Actions in the Payment Services Sector, May 2024
[7]Solaris SE: Company Disclosures and Press Releases on BaFin Remediation Program, 2023–2024 — https://www.solarisgroup.com/en/newsroom
[8]Pitchbook/KPMG Pulse of Fintech H1 2024: European Fintech Funding and M&A Report, August 2024
[9]Bank of Lithuania: Licensed Financial Market Participants Register and Supervisory Actions Report 2023, April 2024 — https://www.lb.lt/en