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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Ricardo Torgal
General Partner and CFO of Indico Capital Partners, which he co-founded after a career at Caixa Capital. He leads fund operations and investments across enterprise software, fintech and deep tech in Portugal, Spain and Italy.
Rishi Khosla
Co-founder and CEO of OakNorth, the SME-lending bank, which he started after struggling to get a loan for an earlier business. He previously co-founded Copal Amba, sold to Moody's.
Rockaway Capital
Rockaway Capital is a Prague-based investment group founded in 2013 by Jakub Havrlant, focusing on e-commerce, e-travel, media, fintech, and blockchain ventures across DACH, CEE, and the Balkans. The group's portfolio companies have generated aggregated revenues exceeding €2.5 billion and employ more than 5,000 people in 17 European countries. A notable exit was the sale of its stake in Mall Group, a leading CEE e-commerce platform, to Allegro for $1.13 billion.
Roosh Ventures
Roosh Ventures is an entrepreneur-led Ukrainian VC fund founded in 2020 by Den Dmytrenko (co-founder of Reface and the AI HOUSE community) and Serhiy Tokarev, an AI entrepreneur and investor with 20+ years of experience. Operating with $40M AUM and 40+ portfolio companies, the fund takes a co-investment approach and focuses on pre-seed through Series A deals in enterprise SaaS, fintech, gaming, and AI across EU and US markets. Notable portfolio companies include Deel ($12B valuation), Oura, and Pipe; the fund's most recent disclosed investment was in Tower in March 2026. Despite the ongoing war, Roosh maintains its Kyiv headquarters and Ukrainian identity.
SABAH.HUB
SABAH.HUB is a private innovation center and accelerator founded in 2021 that supports startups at pre-seed and seed stages. It offers incubation, acceleration, and education tracks (SABAH.academy, SABAH.incubation, SABAH.lab) and has made 16 investments in its portfolio. It co-organizes the Baku Investment Day (Baku ID) conference in partnership with the World Economic Forum's Centre for the Fourth Industrial Revolution Network.
Sai Agnikhotram
Senior Vice President at Sygnum Bank leading bank-to-bank integration and enablement for digital-asset banking. He is an announced speaker at Eurasia Tech Week 2026 in Istanbul.
Salv
Salv is an Estonian anti-financial-crime (RegTech) company building a compliance SaaS platform for banks, fintechs and payment providers. Its products cover AML transaction monitoring, sanctions and transaction screening, customer risk scoring and fraud detection. Salv also operates Salv Bridge, a cross-border real-time platform that lets financial institutions collaboratively share intelligence to fight crime. The founding team previously worked together on AML, KYC and fraud systems at TransferWise (Wise) and Skype.
Satispay
Satispay is an Italian mobile payment network headquartered in Milan, founded in 2013 by Alberto Dalmasso (CEO), Dario Brignone (CTO) and Samuele Pinta (CFO). Authorised by the Bank of Italy as an e-money institution, it operates an independent payment circuit that bypasses Visa, Mastercard and traditional card rails: users link a bank account via IBAN, hold a virtual wallet and pay merchants in-store, online or peer-to-peer through SEPA mandates at low fixed fees, making it especially attractive for small-ticket transactions. With over 6.5 million users and 450,000 merchant partners as of mid-2026, Satispay is Italy's dominant independent payment network, expanding into France, Luxembourg and Germany and into corporate welfare, buy-now-pay-later and investment products. It has raised over €500M; the 2022 Series D of €320M led by Addition (with Greyhound Capital, Coatue, Lightrock, Block and Tencent) made it Italy's second unicorn, and in June 2026 it announced plans for a further round of up to €120M.
SBC Summit Tbilisi 2026
Regional iGaming, sports betting, and affiliate-marketing summit at the Sheraton Grand Tbilisi Metechi Palace, expecting 2,500+ delegates and 70+ speakers from Eastern Europe and Central Asia covering regulation, tech, and operations.
Scalapay
Scalapay is Italy's leading Buy Now Pay Later fintech, enabling shoppers to split purchases into three interest-free installments both online and in-store. Founded in 2019 by Simone Mancini and Raffaele Terrone, the Milan-based company operates across nine European countries and partners with over 1,500 merchants, reporting a 48% increase in average basket size for retailers. Backed by Tiger Global, Tencent, and Poste Italiane with $783 million raised in total including a $497 million Series B in 2022, Scalapay reached unicorn status and received €70 million in EIB debt financing — the EU bank's first direct financing to an Italian scale-up.
Sebastian Siemiatkowski
CEO/co-founder of Klarna, Sebastian has Polish roots and has made angel investments in Poland. He participated in funding for Warsaw-based custom packaging startup Packhelp, among others. His presence brings a bit of Scandinavian fintech savvy to the Polish ecosystem. Associated startups: Packhelp (and likely other Polish e-commerce enablers).
SEED Capital
SEED Capital is Denmark's largest early stage venture fund and a first check investor for many of the country's most successful startups. The firm invests at seed and Series A and supports founders with hands on company building and follow on fundraising. SEED has backed Danish scale ups across SaaS, fintech, and consumer tech, with notable wins including Trustpilot, Vivino, Templafy, and Lunar. It is a key pillar of the Danish venture landscape.
Semapa Next
Semapa Next is the corporate venture capital arm of Semapa Group, one of Portugal's largest industrial conglomerates (pulp, paper, cement). Launched to invest in industrial tech, environmental solutions, mobility, and fintech, Semapa Next deploys EUR 1-5M at Series A in startups aligned with the group's strategic interests. The fund provides portfolio companies with access to Semapa's industrial operations for piloting and commercial partnerships, focusing on sustainability, circular economy, and digital transformation of traditional industries.
SEON
SEON is a Budapest-founded fraud prevention platform that helps online businesses detect and block fraudulent transactions, account takeovers, and synthetic identities using real-time digital footprint analysis and machine learning. The platform enriches transaction data with social media signals, device intelligence, and behavioral patterns to score risk without adding friction to legitimate users. SEON has raised over $100 million and serves customers across fintech, e-commerce, iGaming, and digital banking. It is one of Hungary's most prominent cybersecurity startups and demonstrates the country's strength in building globally competitive fraud and risk management technology.
SiGMA Europe 2026
The world's largest iGaming and emerging tech expo, held at the Malta Maritime Hub (MFCC). Attracts 25,000+ attendees, 800+ sponsors and exhibitors covering gaming, blockchain, AI, and fintech. Malta's regulatory framework for digital assets makes this a key event for Web3 and gaming startups. Tickets from EUR 300.
Signal Week 2027 (formerly Paris Blockchain Week)
Paris Blockchain Week has rebranded to Signal Week, taking place 6-7 July 2027 at the Carrousel du Louvre and Palais des Congres in Paris. The event carries forward Paris Blockchain Week's institutional focus, bridging traditional finance and digital assets for decision-makers, policymakers and builders. The 2026 edition drew over 7,500 attendees and 320+ speakers from 100+ countries.
Silent Eight
Silent Eight builds AI-powered financial-crime compliance software for global banks. Its Iris platform automates AML alert investigation, sanctions screening, transaction monitoring and adverse-media detection, replicating analyst judgement at scale; clients include HSBC and Standard Chartered. Founded by Poles with its engineering hub in Warsaw (commercial HQ in Singapore).
Silverfin
Silverfin is a cloud accounting software company based in Ghent, Belgium, founded in 2013 by Joris Van Der Gucht and Tim Vandecasteele. Its connected accounting platform standardises and centralises financial data so accountants can automate compliance and reporting work and deliver advisory services more efficiently. The company operated across multiple countries with a customer base that included large accounting firms. In September 2023 the Norwegian software group Visma acquired Silverfin in a deal reported at around €300 million, one of the larger Belgian tech transactions.
Silverflow
Silverflow is an Amsterdam-based fintech that provides a cloud-native card payment processing platform. It offers a direct connection to the card networks via easy-to-use APIs, with features including 3D-Secure, network tokenisation, direct-to-card payouts, and dispute management based on enriched data. The company positions itself as a modern alternative to legacy payment infrastructure, serving payment service providers, payment facilitators, acquirers, and merchants. It was founded by former Adyen executives Anne Willem de Vries, Robert Kraal, and Paul Buying. Customers cited in press coverage include Deutsche Bank, Bolt, Payabl, and Buckaroo.
Simon Schmincke
General Partner at European venture capital firm Creandum, based in Berlin, where he leads the fintech vertical investing across Europe and the US. Before VC he co-founded Foodpanda and HelloFresh US, and began his investing career at Earlybird, leading its seed investment in N26. His portfolio includes Taxfix, Tide and Factorial.
