MARCHÉS3 octobre 2026· 16 min
Regulated Fintech in Europe: Deep-Dive Sector Analysis 2024–2025
Europe's regulated fintech sector is navigating a pivotal inflection point: tightening compliance frameworks, MiCA enforcement, and AI-driven underwriting are reshaping competitive moats. This premium analysis delivers data-driven intelligence, three concrete case studies, and a prioritized strategic roadmap for operators and investors.
SOURCES
[1]European Banking Authority (EBA) — DORA implementation reports and supervisory convergence data, Q1 2025
[2]European Securities and Markets Authority (ESMA) — MiCA authorization register and CASP licensing tracker, March 2025
[3]European Central Bank (ECB) — Payment statistics 2023 and non-bank PSP volume data
[4]Dealroom.co — European fintech investment data 2019–2024, deal volume and median size analysis
[5]Bitpanda AG — Investor communications and partnership announcements, 2024
[6]Solaris SE — Public funding announcements, BaFin regulatory disclosures, and press releases 2022–2024
[7]Younited SA — ACPR public filings, company blog technical publications on AI underwriting methodology
[8]EBA EUCLID — EU-wide institution licensing register, exported March 2025
[9]EUR-Lex — MiCA Regulation (EU) 2023/1114, DORA Regulation (EU) 2022/2554, CCD2 Directive 2023/2225
[10]KPMG / Fintech Global — European fintech compliance cost benchmarking studies 2023–2024