MARCHÉS28 septembre 2026· 16 min
Regulated Fintech in Europe: Deep-Dive Sector Analysis 2024–2025
European regulated fintech is navigating a critical inflection point: tighter supervisory frameworks, MiCA enforcement, and open banking maturation are reshaping competitive dynamics. This premium analysis delivers quantitative benchmarks, proven methodologies, and actionable strategic playbooks for operators and investors.
SOURCES
[1]European Banking Authority (EBA) — Risk Dashboard Q3 2024 and Payment Institutions Register 2024
[2]Dealroom.co — European Fintech Investment Report 2023–2024
[3]European Commission — MiCA Regulation (EU) 2023/1114, DORA Regulation (EU) 2022/2554, AI Act (EU) 2024/1689
[4]Wise plc — Annual Report and Accounts 2024 (Companies House UK, FY ending March 2024)
[5]CB Insights — State of Fintech Report Q3 2024 and European Regtech Market Analysis 2024
[6]Juniper Research — Open Banking Revenue Forecast 2023–2028
[7]BaFin, DNB, CSSF, CBI, ACPR — Public Supervisory Registers and Annual Reports 2023–2024
[8]Scalable Capital GmbH — Bundesanzeiger filings 2024 and BaFin supervisory correspondence (public record)
[9]Financial Conduct Authority (FCA) — Fintech Sector Sandbox Annual Report 2024 and Enforcement Actions Register