TECH & AI1 June 2026· 9 min

Fintech & Financial Innovation in Europe: The €100B Reshaping of Banking

Europe's fintech sector has surpassed €100 billion in cumulative investment, challenging legacy banking with AI-driven platforms, open banking mandates, and regulatory sandboxes reshaping the continent's financial DNA.

InekIA Editorial Team

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SOURCES

[1]Atomico & Dealroom — State of European Tech 2024

[2]KPMG — Pulse of Fintech H1 2024

[3]Open Banking Europe — Market Report 2024

[4]Juniper Research — Open Banking Users Forecast 2024-2027

[5]McKinsey & Company — Open Finance Value Forecast 2030

[6]European Banking Authority (EBA) — Fintech Regulatory Sandbox Report 2024

[7]Mordor Intelligence — European Embedded Finance Market Report 2024

[8]CB Insights — AI Fintech Global Investment Report 2023

[9]Revolut Annual Report 2023

[10]European Commission — FIDA Framework Proposal 2023

[11]EU Instant Payments Regulation — Official Journal of the EU, 2024