MARCHÉS28 mai 2026· 16 min
Regulated Fintech in Europe: Deep-Dive Sector Analysis 2024–2025
European regulated fintech is navigating a pivotal inflection point: tightening compliance frameworks, MiCA enforcement, and open banking maturation are reshaping competitive dynamics. This deep-dive quantifies winners, losers, and the exact strategic levers that separate them.
SOURCES
[1]European Banking Authority (EBA) — EBA Work Programme 2024 and Fintech Register, eba.europa.eu
[2]European Central Bank — Financial Integration and Structure in the Euro Area, April 2024, ecb.europa.eu
[3]McKinsey & Company — Embedded Finance: Who Will Lead the Next Payments Revolution?, 2024
[4]Wise PLC — Annual Report and Accounts FY2024, investors.wise.com
[5]European Commission — Impact Assessment for the Instant Payments Regulation and PSD3/PSR Package, 2023–2024, ec.europa.eu
[6]Pitchbook / Dealroom — European Fintech Funding Report Q3 2024
[7]BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) — Annual Report 2023 and Solaris SE supervisory disclosures, bafin.de
[8]World Bank — Remittance Prices Worldwide, Q2 2024, remittanceprices.worldbank.org
[9]Consensys — State of Web3 Europe 2024 and MiCA Readiness Survey, consensys.io
[10]European Parliament / Council — Regulation (EU) 2022/2554 (DORA), Regulation (EU) 2023/1114 (MiCA) full texts, eur-lex.europa.eu