Research & Insights
Finch Capital publishes research on critical technology for Europe's regulated industries and functions
State of European FinTech Report
Finch Capital's State of European FinTech Report 2022 finds the biggest category in European FinTech and analyzes the evolving landscape of financial technology across the continent.
The 2022 State of European FinTech Report provides comprehensive insights into the rapidly evolving financial technology landscape across Europe, identifying key trends, dominant categories, and emerging opportunities.
The Biggest Category Revealed
Our research identified the dominant category within European FinTech, analyzing transaction volumes, user adoption, and market penetration across different segments of the financial services ecosystem.
Market Dynamics in 2022
Digital Payments Evolution
The payments landscape continued to evolve rapidly, with Buy Now, Pay Later (BNPL) solutions, embedded payments, and cross-border remittances showing significant growth across European markets.
Open Banking Maturation
Open banking frameworks across Europe reached maturity, enabling new business models and competitive dynamics in personal financial management, lending, and business banking services.
Digital Banking Consolidation
The digital banking sector showed signs of consolidation, with successful players expanding their product offerings and geographic reach while less successful entrants struggled to achieve sustainable unit economics.
Investment Trends
Later-Stage Focus
Investment activity shifted toward later-stage companies with proven business models, as investors became more selective and focused on sustainable growth metrics rather than pure user acquisition.
B2B FinTech Growth
Business-to-business FinTech solutions saw increased attention, particularly in areas of corporate banking, treasury management, and financial infrastructure services.
Regulatory Environment
The European regulatory landscape continued to evolve, with new frameworks for digital assets, payment services, and data protection shaping the competitive environment for FinTech companies.
Geographic Distribution
While London maintained its position as Europe's FinTech capital, other hubs including Berlin, Paris, Amsterdam, and Stockholm showed significant growth in FinTech activity and investment.
Looking Forward
The 2022 report highlighted the European FinTech sector's transition from rapid expansion to sustainable growth, with successful companies focusing on profitability, regulatory compliance, and customer value creation.
This research represents Finch Capital's comprehensive analysis of the European FinTech ecosystem as of 2022.