MARCHÉS14 mai 2026· 16 min
Regulated Fintech in Europe: Deep-Dive Sector Analysis 2024–2025
European regulated fintech is undergoing a structural reset: MiCA, DORA, and PSD3 are redrawing competitive maps. This deep-dive quantifies winners, losers, and the strategic windows opening for agile operators through 2026.
SOURCES
[1]European Banking Authority (EBA) — DORA Impact Assessment 2024 & CASP Register, https://www.eba.europa.eu
[2]European Central Bank — Payments Statistics 2023 & Digital Euro Survey, https://www.ecb.europa.eu
[3]Dealroom.co — European Fintech Investment Report 2023–2024, https://dealroom.co
[4]McKinsey & Company — Global Payments Report 2024, https://www.mckinsey.com/industries/financial-services
[5]European Securities and Markets Authority (ESMA) — MiCA Implementation Monitor & Retail Investor Survey 2024, https://www.esma.europa.eu
[6]World Bank — Remittance Prices Worldwide Database Q2 2024, https://remittanceprices.worldbank.org
[7]PwC EMEA — Fintech Regulatory Compliance Survey 2024, https://www.pwc.com/emea
[8]Juniper Research — Embedded Finance in Europe 2024–2029 Market Forecast, https://www.juniperresearch.com
[9]Open Banking Excellence (OBE) — European Open Finance Market Sizing 2024, https://openbanking.org.uk
[10]Gartner — DORA Compliance Technology Market Forecast 2024–2026, https://www.gartner.com