MARCHÉS24 juin 2026· 16 min

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

European regulated fintech is entering a consolidation phase driven by MiCA, DORA, and PSD3. This premium analysis decodes the regulatory stack, benchmarks 12 key players, and delivers a prioritized strategic playbook for operators, investors, and compliance teams.

Équipe éditoriale InekIA

LI X

SOURCES

[1]European Banking Authority (EBA) — Annual Report 2023 and MiCA/DORA regulatory technical standards (eba.europa.eu)

[2]PitchBook — European Fintech Report Q4 2023 and H1 2024 Deal Flow Analysis

[3]European Securities and Markets Authority (ESMA) — MiCA Implementation Guidelines, 2024 (esma.europa.eu)

[4]LexisNexis Risk Solutions — True Cost of Financial Crime in Europe 2023

[5]Juniper Research — European RegTech Market Forecast 2024–2028

[6]Revolut Annual Report 2023 (Companies House, UK filing)

[7]Klarna Financial Results 2023 (investor.klarna.com)

[8]BaFin — Solarisbank Special Monitor Press Release, April 2023 (bafin.de)

[9]European Commission — Consumer Credit Directive 2023/2225, Official Journal of the EU

[10]CB Insights — State of Fintech Q1 2024 Global Report