MARKETS27 June 2026· 16 min

Regulated Fintech in Europe: Deep-Dive Sector Analysis 2024–2025

European regulated fintech is undergoing a structural inflection point: MiCA enforcement, PSD3 negotiations, and DORA compliance are reshaping competitive moats. This deep-dive quantifies winners, losers, and the strategic playbook for operators and investors.

InekIA Editorial Team

LI X

SOURCES

[1]European Banking Authority (EBA) — Annual Report on Payment Institutions and Electronic Money Institutions 2024, EBA/REP/2024/14

[2]European Securities and Markets Authority (ESMA) — MiCA Implementation Status Report, ESMA70-460-1011, October 2024

[3]European Commission — Impact Assessment for PSD3/PSR Package, SWD(2023) 231 final, June 2023

[4]PitchBook & Dealroom.co — European Fintech Market Report H1 2024, published September 2024

[5]Bank of Lithuania — Supervisory Register and Annual Supervision Report 2023–2024, lb.lt/en/supervision

[6]KPMG / H2 Ventures — Fintech100 European Edition 2024, Compliance Cost Benchmarking Supplement

[7]Digital Operational Resilience Act (DORA) — Regulation (EU) 2022/2554, Official Journal of the European Union

[8]Markets in Crypto-Assets Regulation (MiCA) — Regulation (EU) 2023/1114, Official Journal of the European Union