MARKETS29 May 2026· 16 min
Regulated Fintech in Europe: A Deep-Dive Sector Analysis for 2024–2025
European regulated fintech is undergoing a structural transformation driven by MiCA, DORA, and PSD3. This premium deep-dive quantifies market shifts, benchmarks key players, and delivers a prioritized strategic roadmap for operators and investors navigating the new compliance landscape.
SOURCES
[1]European Banking Authority (EBA) — Quarterly Risk Dashboard and DORA Joint Technical Standards, 2024 (eba.europa.eu)
[2]KPMG — Pulse of Fintech H1 2024: European Fintech Investment Analysis (kpmg.com/fintech)
[3]European Securities and Markets Authority (ESMA) — MiCA CASP Authorization Public Register, Q3 2024 (esma.europa.eu)
[4]Oliver Wyman / Dealroom.co — European Payments Report 2024: Market Sizing and Competitive Dynamics
[5]Adyen N.V. — H1 2024 Interim Financial Results and Annual Report 2023 (investor.adyen.com)
[6]Finastra / BCG — Embedded Finance Market Sizing Report: Europe 2023–2027
[7]Revolut Ltd. — UK Companies House Annual Report FY2023 (companieshouse.gov.uk)
[8]European Commission — Proposal for PSD3/PSR and Financial Data Access (FIDA) Regulation, June 2023 (ec.europa.eu)
[9]Fintech Global — DORA Readiness Industry Survey: 312 EU Fintech Operators, Q2 2024 (fintech.global)
[10]ECB — Payment Statistics 2023 Annual Report and Digital Euro Progress Update (ecb.europa.eu)