MARCHÉS5 septembre 2026· 16 min
Regulated Fintech in Europe: Deep-Dive Sector Analysis 2024–2025
European regulated fintech is entering a critical inflection point: stricter compliance frameworks, consolidating capital markets, and AI-driven disruption are reshaping who survives. This premium analysis delivers the methodology, metrics, and strategic playbook to position your organization for advantage.
SOURCES
[1]European Banking Authority (EBA) Risk Dashboard Q4 2023 — eba.europa.eu/risk-analysis-and-data/risk-dashboard
[2]ECB Payment Statistics and PISA Report 2024 — ecb.europa.eu/stats/payment_statistics
[3]Dealroom European Fintech Report 2024 — dealroom.co/reports/european-fintech-2024
[4]Wise PLC Annual Report FY2024 — wise.com/investor-relations/annual-report-2024
[5]LexisNexis Risk Solutions True Cost of AML Compliance Study 2023 — risk.lexisnexis.com/insights-resources/research/true-cost-of-financial-crime-compliance-study-europe
[6]European Commission PSD3/PSR Legislative Package, June 2023 — ec.europa.eu/finance/payment-services/payment-services-directive
[7]EU AI Act (Regulation 2024/1689), Official Journal of the European Union, July 2024
[8]ECB Survey on the Access to Finance of Enterprises (SAFE) 2023 — ecb.europa.eu/stats/ecb_surveys/safe
[9]Revolut Ltd Companies House Annual Accounts FY2023 — find-and-update.company-information.service.gov.uk
[10]Oliver Wyman European Payments Outlook 2023 — oliverwyman.com/our-expertise/insights/2023/payments