MARCHÉS22 juillet 2026· 16 min
Regulated Fintech in Europe: Deep-Dive Sector Analysis 2024–2025
European regulated fintech is navigating a dual inflection point: tightening regulatory frameworks (MiCA, DORA, PSD3) and unprecedented capital realignment. This deep-dive quantifies where the real opportunities and structural risks lie—and which strategic moves matter most right now.
SOURCES
[1]EBA Register of Payment Institutions and Electronic Money Institutions — European Banking Authority, Q3 2024 (eba.europa.eu)
[2]KPMG Pulse of Fintech H1 2024 — Global Fintech Investment Trends, KPMG International, August 2024
[3]Dealroom European Fintech Report Q3 2024 — Dealroom.co, September 2024
[4]Wise PLC Annual Report FY2024 — Wise Investor Relations, June 2024 (ir.wise.com)
[5]Adyen N.V. Half-Year Results H1 2024 — Adyen Investor Relations, August 2024 (ir.adyen.com)
[6]ESMA MiCA Supervisory Briefing and CASP Notification Tracker — European Securities and Markets Authority, November 2024 (esma.europa.eu)
[7]McKinsey Global Payments Report 2024 — McKinsey & Company, October 2024
[8]Juniper Research: Open Banking and PSD3 Revenue Forecasts 2024–2028 — Juniper Research, 2024
[9]Accenture European SME Banking and Open Finance Market Sizing 2024 — Accenture Financial Services, 2024
[10]PitchBook European Private Capital Breakdown H1 2024 — PitchBook Data Inc., July 2024