Fintech startup ecosystem
Europe has produced more fintech unicorns than any region outside the US. London, Stockholm, Berlin, and Amsterdam are global centres for payments, neobanking, and embedded finance. Strong regulatory frameworks like PSD2 and open banking have created a uniquely innovation-friendly environment. We track 530 organisations in this sector across 6+ countries.
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Insurely
Insurely is a Stockholm-based open finance and open insurance data infrastructure company founded in 2018. It provides consented, structured real-time access to consumer financial data across insurance, pensions, investments, savings, and credit, enabling banks, fintechs, and AI companies to build services such as provider switching, pension transfers, and personalised financial advice. The company offers two main product lines: Open Finance Data Access for data users and Open Finance Premium APIs for data providers. Insurely is registered as an insurance intermediary with the Swedish Financial Supervisory Authority and serves European financial institutions.
Interactive Investor
Interactive Investor was founded in 1994 by Sherry Coutu as one of the UK's first online retail investment and brokerage platforms. It floated on the London Stock Exchange in 2000 and was sold to AMP in 2001 following the dot-com crash. After a 2003 management buyout the business was rebuilt independently, and in 2022 it was acquired by abrdn for £1.49 billion, becoming one of the UK's largest flat-fee investment platforms.
Inveready
Founded in 2008, Inveready is a Barcelona-based multi-strategy investment group managing over EUR 200M across ten fund vehicles spanning venture capital, venture debt, and corporate finance. The firm invests at seed through growth in software, biotech, and fintech, with typical early-stage tickets of EUR 0.5-3M. Notable portfolio companies include Kantox (acquired by BNP Paribas), Vlex, and Aelix Therapeutics. Inveready is one of Spain's most prolific investors with 100+ portfolio companies.
Invisible Collector
AI-powered debt-collection SaaS that automates accounts-receivable management, using machine learning to optimise the timing, tone and channel of debtor outreach for faster recovery.
INZMO
INZMO is a digital insurance company, legally INZMO Europe GmbH and headquartered in Berlin, offering easy-to-buy policies for mobile phones, laptops and tablets, bicycles, e-scooters, and rental deposit warranties, starting from a few euros per month. The company has been operating since 2017 and reports having served more than 150,000 customers, with a fully digital, fast claims process backed by 24/7 support. INZMO is led by managing director Meeri Savolainen.
Iron Wolf Capital
Iron Wolf Capital is Vilnius-founded deep tech and AI fund established in 2018, with additional offices in London and Tallinn. Its second fund, closed at €100 million, is the largest seed-stage deep tech fund in Baltic history, targeting 25 early-stage companies across AI, photonics, robotics, and space innovation built by Baltic founders and diaspora globally. The team combines backgrounds from Deutsche Bank, YPlan, and early Lithuanian VC history; initial tickets run €0.5–2 million and the fund typically leads or co-leads rounds. Iron Wolf has backed over 20 startups covering sectors from agritech and pharma to defence-adjacent AI.
Istanbul Blockchain Week 2026
Fifth edition of Türkiye's flagship Web3 conference at Hilton Bomonti, gathering founders, developers, investors, and policymakers across DeFi, AI agents, real-world asset tokenization, stablecoins, and layer-2 scaling.
Istanbul Fintech Week 2026
Sixth edition under the theme 'Smart, Embedded, and Tokenized', hosting the Web3 Summit, Digital Finance Summit, plus dedicated tracks on AI in Finance, TradeTech, Fintech for Businesses, and Women in Fintech.
iyzico
iyzico is an Istanbul-founded payment processor and merchant-acquiring platform that became Turkey's most visible fintech exit when it was acquired by Naspers-owned PayU in 2019 for around USD 165 million, at the time one of the largest fintech deals in Turkish history. Founded in 2013 by Barbaros Özbugutu and Tahsin Isin, iyzico built a developer-friendly API stack for accepting card payments, recurring billing, marketplace split payments, and fraud detection in the Turkish market, and layered a 'buy now, pay later' product on top that became a default installment option for thousands of Turkish e-commerce merchants. Even inside PayU, iyzico continues to operate as the Turkish merchant payments brand and has expanded into additional financial services, making it a canonical reference for how a CEE/MENA fintech can convert a tough local regulatory environment into a defensible commercial wedge.
Jan Hammer
Partner at Index Ventures leading the firm's fintech practice from London. He sits behind investments in Adyen, Robinhood, Wise, Alan and Collibra, and has been a long-standing board member at several of Europe's most valuable financial-technology companies.
Jeppe Zink
Partner at Northzone based in London, investing across software and fintech in Europe. He works with founders from seed through growth and is a prominent voice on European venture and scale-up building.
Jessica Bilcock
Public Policy & Vulnerability Manager at Monzo Bank, the UK digital challenger bank, where she works on financial inclusion, consumer protection and open-banking policy. She is an announced 2026 speaker at the Open Banking Expo UK & Europe in London.
Jimmy Fussing Nielsen
Partner and CEO of Heartcore Capital, the Copenhagen consumer-tech VC he co-founded in 2007 (as Sunstone Technology Ventures). He has backed European category leaders including Tink, Trustpilot and GetYourGuide and is one of the Nordics' most active early-stage investors.
Joel Perlman
Co-founder of OakNorth and earlier co-founder of Copal Amba with Rishi Khosla. He has spent his career building financial-data and lending businesses.
Joko
Joko is a Paris-based consumer fintech that rewards users with cashback on their everyday purchases. Through a mobile app and browser extension, it automatically detects qualifying transactions at partner retailers and credits users with rewards, both online and in store. The company's technology builds on PSD2 open banking, connecting to users' bank cards to identify eligible spending without manual scanning of loyalty cards. Joko raised a €10M Series A in October 2020, led by Partech and Axeleo, bringing total funding to around €12M at that time.
Jonas Templestein
Co-founder and former CTO of Monzo, where he built the engineering organisation behind the challenger bank's mobile-first platform. He previously co-founded GoCardless with Tom Blomfield.
Jörg Sandrock
Co-founder of Neon, the Zurich-based Swiss challenger bank he co-founded in 2018 with Julius Krieg. Sandrock previously held roles in banking and payments before launching Neon, which grew to over 200,000 customers. Neon operates as Switzerland's leading mobile-first bank, running on a banking-as-a-service partnership with Hypothekarbank Lenzburg.
Joseph Bolkvadze
Founder of Cryptal, a Georgian cryptocurrency exchange and digital-asset platform. He is an announced speaker at FUTURUM Payments Georgia 2026 in Tbilisi.
Joseph Cleetus
Business Transformation Manager at Lulu Financial Holdings, focused on fintech transformation and cross-border payments. He is an announced speaker at Eurasia Tech Week 2026 in Istanbul.
Julian Teicke
Julian Teicke is Co-founder & CEO of the insurtech platform Wefox. A founder in the German startup ecosystem, Julian leads the insurtech platform Wefox.
