TECH & AI17 September 2026· 9 min

Fintech & Financial Innovation in Europe: The €100B Transformation

Europe's fintech sector has surpassed €100 billion in cumulative investment. From open banking to embedded finance, discover the forces reshaping the continent's financial landscape.

InekIA Editorial Team

LI X

SOURCES

[1]KPMG Pulse of Fintech H1 2024 — kpmg.com/fintech

[2]Dealroom European Fintech Report Q3 2024 — dealroom.co

[3]European Banking Authority Payment Fraud Report 2023 — eba.europa.eu

[4]Juniper Research: Embedded Finance Global Market 2024-2029

[5]European Central Bank Digital Euro Preparation Phase Report, October 2023 — ecb.europa.eu

[6]Open Banking Excellence (OBE) API Metrics Report 2024 — openbanking.org.uk

[7]Deloitte RegTech Universe 2024 — deloitte.com

[8]PwC European Fintech M&A Tracker H1 2024 — pwc.eu

[9]Accenture: The Value of Open Finance in Europe, 2024 — accenture.com

[10]European Commission: PSD3/PSR Legislative Package, June 2023 — ec.europa.eu