MARCHÉS16 juin 2026· 16 min
Regulated Fintech in Europe: Deep-Dive Sector Analysis 2024–2025
European regulated fintech is entering a consolidation phase—DORA, MiCA, and PSD3 are reshaping competitive dynamics. This premium analysis maps regulatory pressure, funding trends, and the 7 strategic moves separating winners from casualties.
SOURCES
[1]European Banking Authority (EBA) — Consolidated Payment Institutions Register, Q3 2024; EBA Peer Review on Supervisory Convergence, February 2024
[2]European Central Bank (ECB) — Supervisory Banking Statistics H1 2024; ECB/SSM Annual Report on Supervisory Activities 2023
[3]Dealroom.co — European Fintech Funding Database 2019–Q3 2024 (proprietary dataset, 12,400+ funding rounds)
[4]European Commission — Impact Assessments for DORA (COM/2020/595), MiCA (COM/2020/593), PSD3/PSR (COM/2023/366), EU AI Act (PE-CONS 6/24)
[5]Oliver Wyman — 'The Open Finance Opportunity in Europe: €340 Billion Value Creation Estimate,' 2023; KPMG/H2 Ventures Fintech100 Report 2023–2024; Wise PLC Annual Report FY2024 (March 2024)