MARCHÉS9 mai 2026· 9 min

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

Europe's fintech sector has crossed the €100B valuation threshold, yet faces a pivotal moment: regulatory pressure, US competition, and a fragmented market threaten its global ambitions. Here's what the data reveals.

Équipe éditoriale InekIA

LI X

SOURCES

[1]Innovate Finance — UK Fintech Investment Report 2024

[2]KPMG — Pulse of Fintech H1 2024

[3]Dealroom.co — European Tech Report Q3 2024

[4]European Banking Authority — Open Banking API Statistics 2023

[5]McKinsey Global Institute — Embedded Finance in Europe, 2024

[6]PwC — MiCA Compliance Cost Analysis, 2024

[7]Deloitte — DORA Impact Assessment for Financial Entities, 2024

[8]European Fintech Association — Founder Survey 2024

[9]European Commission SME Observatory — Digital Finance Adoption 2024

[10]BloombergNEF — Green Fintech Europe Market Outlook 2024

[11]CB Insights — State of Fintech Q3 2024

[12]World Bank Global Findex Database 2023