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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Sipay
Payments and embedded finance platform offering payment processing, digital wallets, prepaid cards and FX for merchants and consumers across emerging markets. Serves 6.3M users and 25,000 merchants.
SmartBill
Invoicing, inventory and accounting software for Romanian SMEs with native e-Factura integration; used by 65,000+ businesses issuing millions of invoices monthly. Majority-acquired by Visma.
Software Group
Software Group is a global fintech technology company headquartered in Sofia, Bulgaria, providing digitalization and integration solutions -- including digital and neobanking, mobile wallet, agency banking, loan origination and payment switch platforms -- to banks, MFIs, insurers, telcos and governments. The company has delivered more than 500 projects and operates offices across Africa, the Middle East, Asia-Pacific, Latin America and North America in addition to Bulgaria. Software Group is a portfolio company of Sofia-based investor BrightCap Ventures.
Solarisbank
Embedded banking platform providing regulated accounts, cards, and payments APIs. Solarisbank is a startup based in Berlin, Germany at the growth stage. The company operates in the Fintech, Banking space. Learn more at their website.
Sonali De Rycker
Partner at Accel and one of Europe's most influential venture investors, leading the firm's London office. She has backed Spotify, Monzo, BeReal and KRY, and focuses on AI, consumer and fintech companies across Europe and Israel.
Sophia Bendz
A former Spotify executive turned prominent angel (and VC at Atomico), Sophia from Sweden has invested in Polish startups, particularly in fintech and healthtech. She was an early angel in Warsaw-based Doctorly and supports female-founded companies in Poland through programs like Lift Women. Associated startups: Doctorly, Village Network (and other Polish startups via Atomico Angel Programme).
SOPIAD
SOPIAD is a Luxembourg-based fintech company offering investment-decision software for wealth managers, life insurers and fund managers under its Safir product line (Safir Wealth Managers, Safir Life Insurers, Safir Fund Managers). It positions its tools as scientific, evidence-backed resources that help financial advisors and portfolio managers enhance their clients' investment experience.
Specialist VC
Formerly United Angels VC, Specialist VC was founded in 2017 by Riivo Anton and Gerri Kodres and rebranded in 2022 upon closing its €50M Fund II — the first Baltic VC fund to integrate secondary transactions alongside primary venture investing. The firm focuses on B2B, SaaS, fintech, and marketplace startups in the Baltic region and beyond, writing initial cheques from €200K to €1M at seed through Series A. Its Fund I portfolio includes two unicorns, Bolt and Veriff, alongside Starship Technologies and Monese, making it one of the highest-performing early-stage funds to emerge from Estonia.
Speedinvest
Speedinvest is one of Europe's most active pre-seed and seed-stage venture capital firms, founded in 2011 in Vienna by Oliver Holle. The firm manages over EUR 600M across sector-focused funds covering fintech, deep tech, marketplaces, and industrial tech, with offices in Vienna, Berlin, London, Munich, and San Francisco. Speedinvest invests EUR 500K-2M initially and follows on to Series A, having backed 300+ companies including Bitpanda, GoStudent, Tier Mobility, Open, and Wefox. The firm operates a 40-person platform team providing hands-on support in hiring, legal, growth, and US market entry.
Spendesk
Spendesk is a Paris-based fintech founded in 2016 that provides an all-in-one spend management platform combining corporate cards, invoice and expense management, approvals and budgeting for mid-market companies. It reached unicorn status in 2022 after a funding round of more than 100 million euros and serves thousands of finance teams across Europe.
Spona
Spona is a free micro-ERP platform that connects clients with their outside suppliers and subcontractors, combining contracts, work phases and milestones, tasks, payment analytics, built-in chat and video calls, a shared calendar, and an AI consultant in one shared workspace. Its only paid service is financing: once a milestone is approved, suppliers can request early payment or clients can defer payment up to 90 days, with Spona charging a transparent fee on the financed amount. The company operates through Top Digital Agency Limited in Ireland and its Croatian subsidiary Top Digital d.o.o. (Spona Croatia), based in Zabok, and has received co-financing from the European Regional Development Fund's Competitiveness and Cohesion Programme.
Spotware Systems
Spotware Systems is a B2B fintech company founded in 2010 in Limassol, Cyprus, and the creator of the cTrader trading platform for CFD and FX brokers. As of 2025, cTrader serves over 11 million traders and added 2 million new traders in that year alone, with 104% year-on-year growth in trading volume. The company's product suite also includes cBridge, a platform-agnostic liquidity bridge connecting MT4, MT5, and cTrader to multiple liquidity providers. Spotware employs 200+ professionals across 30+ nationalities.
Starling Bank
Starling Bank is a London-based digital bank founded in 2014 by Anne Boden, offering personal, business and joint current accounts through a mobile app under a full UK banking licence. It was one of the first British neobanks to reach sustained profitability and also licenses its banking technology to other institutions through its Engine software subsidiary. It employs several thousand people and reports revenue of more than 880 million pounds.
START Summit 2026
Student-run summit at Olma Messen with 7,000+ attendees, 1,000+ investors, and 1,500+ startups. Highlights include the START Summiteer pitch competition and high-volume investor-founder matchmaking.
START Summit 2027
START Summit returns to St. Gallen 18-19 March 2027, featuring 120+ speakers across five tracks including startup pitches, investor programming and a FoodFestival. The 2026 edition hosted speakers such as Vinted co-founder Milda Mitkute and Helsing CTO Robert Fink, alongside dozens of early-stage startup elevator pitches.
Startup Wise Guys
Startup Wise Guys is a Tallinn-founded B2B startup accelerator and early-stage VC founded in 2012, operating as one of the most active and prolific accelerators in the Central and Eastern European ecosystem. The firm runs over 45 sector-specific programmes annually spanning fintech, cybersecurity, SaaS, sustainability, and agritech, and has invested in over 600 startups from more than 60 countries. Its most recent fund of €45 million reached a first close of €25 million in 2023. Startup Wise Guys provides €100K–200K investments at pre-seed stage in exchange for equity, combined with intensive hands-on mentorship from operators and investors. Notable portfolio exits include VitalFields (acquired by Climate Corporation), StepShot (acquired by UiPath), and VOCHI (acquired by Pinterest).
Startupbootcamp Amsterdam
Amsterdam hub of Startupbootcamp (est. 2010) running 3-month accelerators in fintech, cybersecurity, smart cities, IoT, and commerce. Provides EUR 15K seed funding, 6% equity, mentorship, and partner deals; alumni include early Adyen mentoring. Scope: International.
Stephan Morais
Managing General Partner and co-founder of Indico Capital Partners, Portugal's leading independent venture firm. Formerly an executive at Caixa Capital, he has built Indico into a >€244M multi-fund platform and is one of Southern Europe's most prominent early-stage investors, backing companies such as Sword Health and Anchorage Digital.
Stephen Chandler
Managing Partner and co-founder of Notion Capital, the London B2B SaaS and fintech firm he started in 2009 with the MessageLabs team. He has backed European software leaders including GoCardless and Currencycloud and helped grow Notion to over $1bn AUM.
Steve Anavi
Co-founder and president of Qonto, which he started with Alexandre Prot after the two had earlier co-founded the price-comparison startup Smokio.
