MARKETS6 July 2026· 16 min

Deep-Dive: Regulated Fintech in Europe — Navigating the New Compliance Frontier

European regulated fintech is entering a consolidation phase driven by DORA, MiCA, and PSD3. This premium analysis maps the competitive landscape, quantifies compliance costs, and delivers a prioritized strategic roadmap for operators and investors.

InekIA Editorial Team

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SOURCES

[1]European Banking Authority (EBA) — Register of Payment Institutions and Electronic Money Institutions, Q2 2024. https://www.eba.europa.eu/payment-institutions-and-e-money-institutions-register

[2]European Commission — Proposal for PSD3 and PSR1 (COM/2023/366 and COM/2023/367), June 2023. https://ec.europa.eu/finance/

[3]EY — European Fintech Compliance Cost Benchmark Report 2024. Ernst & Young LLP, London.

[4]Wise PLC — Annual Report and Accounts 2023. London Stock Exchange disclosure, July 2023. https://wise.com/gb/investor-relations/

[5]ESMA — MiCA Authorization Tracker and Supervisory Convergence Reports, Q3 2024. https://www.esma.europa.eu/

[6]PwC — DORA Implementation Survey: Financial Services Readiness Report, September 2024. PricewaterhouseCoopers EU Financial Services practice.

[7]Dealroom.co — European Fintech Venture Capital Data 2022–2024. https://dealroom.co/guides/fintech

[8]European Central Bank / Single Supervisory Mechanism — Annual Report on Supervisory Activities 2023. ECB publication, March 2024. https://www.bankingsupervision.europa.eu/