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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Julius Krieg
Co-founder of Neon, the Zurich-based Swiss challenger bank he co-founded in 2018 with Jörg Sandrock. Krieg led product and growth for Neon, helping the app reach over 200,000 Swiss customers with free everyday banking accounts and integrated savings products. Neon operates through a banking-as-a-service partnership with Hypothekarbank Lenzburg.
JumpIT Forum 2026 (October 2026)
JumpIT Forum is a business-focused IT conference held at the Mozaik Event Centar in Zagreb and running since 2017. The 2026 edition, themed 'Projekti koji mijenjaju poslovanje' (Projects that change business), features 16 TED-style talks, 4 panels and 32 speakers, aimed at converting IT projects into measurable business value across the IT, telco, banking and finance sectors.
Juni
Juni is a Gothenburg-based financial management platform for e-commerce businesses, founded in June 2020 by Samir El-Sabini, Jonathan Sanders, and Anders Orsedal. The platform offers multi-currency accounts, virtual and physical cards, credit products, analytics, and accounting integrations designed specifically for online merchants and digital advertisers. Juni holds an Electronic Money Institution (EMI) licence from Sweden's Finansinspektionen and has raised $282 million across five funding rounds including a $206 million Series B.
Kamil Mieczakowski
General Partner at Notion Capital focused on European B2B software, AI and fintech. He invests at Series A and supports portfolio companies on the path from early revenue to scale.
Kantox
Kantox is a Barcelona-founded currency management automation company whose FX risk management software helps finance teams automate foreign exchange workflows, including dynamic hedging, dynamic pricing across currencies, in-house FX netting, payments and collections, and hedge accounting. It serves industries such as travel, adtech, logistics, food, chemicals, pharma, and manufacturing, and has grown to more than 200 people across offices in Barcelona and London. As of July 2023, Kantox is a BNP Paribas company but continues to operate independently under its own brand.
Keen Venture Partners
Keen Venture Partners is an Amsterdam-based venture capital firm founded in 2015, investing at Series A and B in enterprise software, fintech, and consumer internet companies across Europe. The firm manages over EUR 200M and writes checks of EUR 2-10M, often leading or co-leading rounds alongside top-tier European and US co-investors. Keen's partners bring extensive operating experience from companies like Booking.com and Adyen, and the firm focuses on data-driven businesses with strong unit economics and clear paths to profitability.
Keepz
QR-based payments fintech founded in Tbilisi in 2023. Keepz enables merchants to accept payments via Apple Pay, Google Pay, bank cards, open banking, and cryptocurrency without requiring customers to download an app. The company was the first in Georgia to obtain an open banking licence and, in December 2024, helped Georgia become one of the first countries to enable tax payments via digital assets. It has onboarded over 20,000 merchants and is expanding into Turkey and Italy.
KeeSystem
Monaco software company at 7 rue du Gabian building portfolio and wealth management technology for private banks, family offices and fiduciaries. Its KeeSense platform combines data aggregation, portfolio management, compliance tooling and client portals so wealth managers can digitalise and automate their operations. A MonacoTech alumnus, the company states more than fifteen years of activity in the sector.
Keyrock
Keyrock is a Brussels-based digital-asset market-making and trading firm offering market making, OTC and options trading, onchain liquidity provisioning, and asset-management strategies for crypto markets. It also provides ecosystem-development and validator services, publishes crypto-market research, and recently raised Series C funding from SC Ventures.
Kinisis Ventures
Kinisis Ventures was co-founded in 2018 by Andreas Panayi and Yiannos Georgiades as a Cyprus-US bridge accelerator and investment firm, with its registered office in Nicosia. Its regulated KV Kinisis Ventures Fund RAIF VCIC (KV Fund I and II), managed in partnership with AIFCAP Managers and licensed by CySEC, is the first CySEC-registered early-stage VC focused exclusively on Cypriot technology companies targeting US market expansion. The fund writes seed tickets of €1.5M–€4M in cybersecurity, fintech, AI-enabled platforms, and energy-tech, with portfolio companies including Threedium (3D imaging), Phase3D (metal-printing quality assurance), and Autonomics Tech (autonomous industrial robotics).
Klarna
Klarna is a Swedish fintech company that pioneered the “buy now, pay later” (BNPL) model globally. Founded in 2005 by Sebastian Siemiatkowski, Niklas Adalberth, and Victor Jacobsson, Klarna started by offering online shoppers in Sweden a way to purchase goods on invoice (pay after delivery). Over the next decade, the company expanded across Europe and beyond, becoming a dominant online payments provider. As of 2021, Klarna was Europe’s highest-valued private tech company at $45.6 billion, reflecting meteoric growth fueled by consumers’ appetite for installment payments. Klarna’s app and services allow users to split purchases into interest-free installments or pay later, and it partners with over 450,000 retailers worldwide, including global brands like H&M, IKEA, and Nike. The company has over 150 million users across 45 countries and handled $80 billion in transaction volume in 2021. Klarna’s journey, however, has seen dramatic swings: after reaching a $45B valuation in mid-2021, a combination of rising interest rates and tech market downturn led to a downround in 2022, cutting its valuation to $6.7 billion (an 85% drop). The company restructured, laying off 10% of its staff, and refocused on profitability. By 2023, Klarna returned to profit and saw renewed growth, aided by expanding beyond BNPL into a full shopping app with price comparison, loyalty features, and banking services (Klarna obtained a banking license in Europe in 2017). In 2025, Klarna reportedly delayed an IPO amid market volatility but ultimately went public in September 2025, raising $1.37 billion. Despite valuation fluctuations, Klarna remains the global leader in BNPL, with a strong brand among Gen Z and millennial shoppers. Its journey from a small Stockholm startup to a financial giant serving 65 million customers (2025) at one point valued at $75 billion exemplifies the rise (and resiliency) of Europe’s fintech sector.
Kneip
Kneip is a Luxembourg-founded investment-data and fund-reporting company that sits in the plumbing between asset managers, fund domiciles, and the distribution channels (banks, platforms, regulators) where funds are actually sold. For decades it has been one of the largest providers of European fund data dissemination, handling NAVs, KIIDs/PRIIPs KIDs, MiFID II data templates, and regulatory reporting packages for hundreds of asset managers — unglamorous but absolutely load-bearing infrastructure for the EUR 5-trillion-plus Luxembourg fund industry. In 2022 Kneip was acquired by Deutsche Börse and integrated into the group's data-services business, effectively turning a Luxembourg-grown fund-tech operator into part of a top-tier European exchange's data franchise. It is a clean example of how Luxembourg's tax and legal specialization in funds translates into globally relevant software companies that outsiders rarely hear about.
Kristo Käärmann
Co-founder and CEO of Wise (formerly TransferWise), the cross-border payments company he started with Taavet Hinrikus to cut the cost of international money transfers. He took Wise public via a 2021 direct listing on the London Stock Exchange.
Krzysztof Kalicki
Ex-CEO of Deutsche Bank Poland, Krzysztof brings finance industry gravitas to the startup world. After decades in banking, he now invests in fintech and regtech startups as an angel. His deep understanding of banking regulation makes him an ideal mentor for fintech founders. Associated startups: Early-stage fintech and compliance tech startups (leveraging his banking network).
Lakestar
Lakestar is a Zurich-headquartered venture capital firm founded in 2012 by Klaus Hommels, one of Europe's most prolific and publicly visible technology investors, whose pre-Lakestar angel track record included early bets on Skype, Spotify, and Facebook in Europe. The firm runs a multi-stage strategy spanning early-stage funds, growth funds, and public/crossover vehicles, with offices in Zurich, Berlin, London, and Zug. Notable portfolio companies include Revolut, N26, Mister Spex, Blockchain.com, GetYourGuide, FlixBus, and Opendoor. Lakestar manages over EUR 2 billion across funds and has been a vocal advocate at the EU level for scaling up European technology sovereignty, having been involved in initiatives like the European Tech Champions Initiative and the Scale-Up Europe pledge. It is one of the few continental European VCs that operates across the full venture lifecycle at significant scale.
Lars Mangelsdorf
Co-founder and CEO of Yokoy, the Zurich-based AI-powered spend management platform founded in 2019. Mangelsdorf led Yokoy through a CHF 80 million Series B in 2022 led by Sequoia Capital, one of the largest Swiss fintech rounds of that year, and expanded the company from DACH into the UK and the Netherlands, building deep integrations with SAP and Oracle for enterprise finance automation.
LAUNCHub Ventures
Founded in 2012 by Lyuben Belov and partners, LAUNCHub Ventures is Sofia's largest dedicated early-stage VC, currently deploying its third fund which closed oversubscribed at €74M in late 2021 (first close €44M). The fund invests at pre-seed and seed stages with ticket sizes of €300K–€3M, backing founders across South-Eastern and Central-Eastern Europe. Sector focus spans fintech, proptech, future of work, devtools, health tech, and enterprise software; portfolio includes Quantive (strategy platform), OfficeRnD (flex-space SaaS), FintechOS, and Giraffe360. Seventy-five percent of portfolio companies have raised follow-on rounds, with aggregate follow-on capital exceeding €400M.
Le Village by CA
Launched 2014 by Credit Agricole. National accelerator network with 30+ villages across France offering coworking, mentorship, and business connections with CA's banking network. Sector-agnostic (fintech, agritech, etc.). Scope: National.
Le Village by CA Luxembourg
A startup accelerator backed by five Crédit Agricole entities present in Luxembourg (Caceis, Amundi, CA Indosuez, Cali Europe, and Camca Assurance), part of the global Village by CA network active since 2014. Based at the House of Startups, it targets growth-stage startups seeking access to the Crédit Agricole financial group network, expert mentoring, and co-development with large corporate partners.
Lead Ventures
Lead Ventures is a Budapest-based independent VC firm founded in 2017, specialising in late-Seed and Series A investments in scale-ups across Central and Eastern Europe and the Baltics. The firm closed its second fund at €100 million in 2024, deploying initial tickets of €2–5 million with follow-on capacity up to €10 million. It has backed over 20 companies and claims the largest VC exit in Hungarian history with its investment in AImotive, acquired by Stellantis. Beyond capital, the firm differentiates on access to an international network of industry operators and domain experts.
