MARCHÉS29 mai 2026· 16 min
Regulated Fintech in Europe: Deep-Dive Sector Analysis 2024–2025
Europe's regulated fintech sector is undergoing a structural inflection point: €52B in cumulative investment, MiCA enforcement, and open banking 2.0 are reshaping competitive dynamics. This premium analysis decodes who wins, who loses, and how to position strategically.
SOURCES
[1]European Banking Authority (EBA) — Quarterly Risk Dashboard Q4 2024 & Payment Statistics 2024, eba.europa.eu
[2]KPMG — Pulse of Fintech H2 2024: European Fintech Investment and Market Trends, kpmg.com/fintech
[3]Oliver Wyman — European Banking and Payments Report 2024: Unit Economics and Compliance Benchmarks, oliverwyman.com
[4]Dealroom.co — European Fintech Report Q4 2024: Investment Data, Origination Volumes, and Market Sizing, dealroom.co
[5]European Securities and Markets Authority (ESMA) — MiCA Authorization Register and Retail Investment Strategy Impact Assessment 2024, esma.europa.eu
[6]ECB — Digital Euro Preparation Phase Documentation and Payment Statistics 2024, ecb.europa.eu
[7]Worldpay — Global Payments Report 2025: European Payment Processing Market Share, fisglobal.com/worldpay
[8]Juniper Research — RegTech Market Forecast 2025–2028: Compliance Infrastructure TAM, juniperresearch.com
[9]Adyen N.V. — Annual Report 2024, investor.adyen.com
[10]Scalable Capital — Annual Report and AUM Disclosures 2024, de.scalable.capital