MARCHÉS1 juin 2026· 16 min
Regulated Fintech in Europe: Deep-Dive Sector Analysis 2024–2025
European regulated fintech is undergoing a structural transformation driven by MiCA, PSD3, and DORA enforcement. This deep-dive quantifies market shifts, benchmarks regulatory costs, and delivers a prioritized strategic roadmap for operators and investors navigating the new compliance landscape.
SOURCES
[1]European Banking Authority (EBA) — Register of Payment and Electronic Money Institutions, Q1 2025; EBA DORA Implementing Technical Standards, January 2025 (eba.europa.eu)
[2]European Securities and Markets Authority (ESMA) — MiCA CASP Registration Register and ESMA Crypto-Asset Regulation Q&A, March 2025 (esma.europa.eu)
[3]KPMG / H2 Ventures — Pulse of Fintech H2 2024: European Fintech Investment Trends (assets.kpmg.com)
[4]Deloitte — DORA Readiness Survey 2024: Digital Operational Resilience in EU Financial Services (deloitte.com/eu/en/pages/financial-services/articles/dora-readiness-2024.html)
[5]European Fintech Association (EFA) — 2024 Member Survey: Regulatory Compliance Cost Benchmarking; Oliver Wyman / Alior — Open Finance Market Sizing in Europe 2024–2027 (europeanfintech.eu; oliverwyman.com)
[6]Dealroom.co / PitchBook — European Fintech M&A and Venture Investment Database, FY2024; Refinitiv/LSEG M&A Transaction Database, EU Fintech Sector 2022–2024
[7]Wise PLC — Annual Report FY2024; Raisin GmbH — Press releases and regulatory disclosures 2024; BaFin, AMF, CBI regulatory enforcement registers 2023–2024