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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Stoïk
Stoïk is a Paris-based insurtech founded in 2021 that combines cyber insurance with cybersecurity software for small and medium-sized businesses. It bundles coverage with active risk-monitoring and scanning tools to help SMEs both insure against and reduce their exposure to cyber risk. The company operates across several European markets including France, Germany, Spain, Belgium, Austria and Luxembourg. After a 25M euro Series B in 2024 led by Alven, Stoïk raised a 20M euro Series C in January 2026, co-led by Impala and Opera Tech Ventures, to advance its AI agents and expand across Europe.
STOKR
A Luxembourg-headquartered digital securities marketplace founded in 2018 by Arnab Naskar, Tobias Seidl, and Lennart Ante. STOKR operates an EU-regulated issuance platform for security tokens built on Bitcoin's Liquid Network, serving both professional and retail investors. The company is registered as a VASP with the CSSF and surpassed $1 billion in tokenised asset volume by 2025.
Stream
Stream, rebranded from Wagestream in September 2025, is an employer-partnered workplace finance platform. Through partner employers, frontline workers gain flexible early access to their earned wages, alongside budgeting and financial-planning tools, a savings account, affordable credit, and money coaching. In 2025 it expanded into workplace pensions via its acquisition of Zippen. The platform serves several million workers across more than 2,000 employers in the UK, Europe, and the US, with partners including Asda, Bupa, Greene King, and the NHS.
Strise
Strise is an Oslo-based technology company that builds an AI-powered platform automating anti-money-laundering (AML) and know-your-customer/know-your-business (KYC/KYB) compliance work for banks, fintechs and other financial institutions. Its product automates onboarding, ongoing due diligence, ownership and beneficial-owner mapping, screening, risk scoring, and alert and case triage, built on a proprietary graph that links entities, directors, ownership structures and sanctions exposure into a continuously updated data graph. Founded by Marit Rødevand, Sigve Søråsen and Patrick Skjennum, it maintains an office in London alongside its Oslo headquarters, with reported partners including PwC Norway.
SumUp
SumUp is a leading European fintech providing mobile point-of-sale card readers and a suite of financial tools for small merchants. The company serves over 4 million businesses across 35+ countries, offering card acceptance, invoicing, business accounts, and online payment links. SumUp has become the go-to payments partner for micro and small businesses across Europe and beyond, competing with Square in the SMB payments space.
Sun Finance Group
Sun Finance Group is a Riga-based fintech company founded in 2017 by Toms Jurjevs and Emils Latkovskis that operates a mobile and online lending marketplace across Sweden, Denmark, Poland, Latvia, Vietnam, Kazakhstan, and Mexico. Its platform analyses up to 10,000 data points per applicant to deliver microloans, instalment loans, lines of credit, and Buy Now Pay Later products. The company has issued close to €2 billion in loans to over 25 million registered customers, employs 1,400+ people, and is repeatedly ranked in the Financial Times FT 1000 list of Europe's fastest-growing companies.
Suricate Ventures
Suricate Ventures is a Ljubljana-based venture capital firm founded in 2021 by a group of nine partners with backgrounds spanning finance, insurance, law, IT, private equity, energy, and mobility. The fund targets pre-seed to early-growth technology companies in Southeastern Europe, with a smart-money philosophy and minimum ticket sizes from €50,000. Core investment verticals are fintech and insurtech, gaming and metaverse, digital health, and logistics and supply chain. Notable portfolio companies include ZenOwn, Noii, Bloq.it, and VIAR.
Swan
French embedded-banking (banking-as-a-service) platform letting software companies embed accounts, cards and payments. Licensed electronic money institution authorised by the French ACPR; partnered with BNP Paribas.
Swile
Swile is a Paris-based employee benefits and fintech platform founded in 2018 by Loic Soubeyrand. The company digitizes meal vouchers, gift cards, mobility credits, and other employee perks into a single smart card and mobile app, replacing the paper-based benefits systems that remain common across France and Southern Europe. Swile raised over EUR 200 million from investors including SoftBank Vision Fund and has been valued at over EUR 1 billion. In 2022 it merged with Brazilian benefits platform Bswift to expand into Latin America. Swile is a leading force in modernizing employee experience across Europe.
SwissHacks 2026
A 48-hour fintech hackathon, backed by the Swiss State Secretariat for International Finance and powered by Tenity, where students and professionals team with industry partners on real financial-sector challenges; in 2026 it anchors the inaugural Swiss FinTech Week. A fast route for developers and early founders to industry mentors, APIs, and pilot opportunities.
Sylwester Janik
Co-founder and Managing Partner of Cogito Capital Partners, the Warsaw and New York growth-stage VC. Formerly a senior partner at MCI Capital, he backs CEE B2B software scale-ups expanding to the US, including companies such as Allica Bank and Preply.
Szymon Sypniewicz
Co-founder of Ramp Network (a Polish crypto startup), Szymon has recently started angel investing on the side. With Ramp’s success, he backs other Polish crypto and fintech startups, sharing his know-how in scaling a global fintech product. Associated startups: Selected crypto/fintech startups (leveraging experience from Ramp).
Taavet Hinrikus
Taavet Hinrikus is a prominent European tech entrepreneur-turned-angel investor, best known as the co-founder of Wise (TransferWise). Hinrikus, originally from Estonia, was Skype’s first employee before co-founding TransferWise in London in 2011. Under his leadership (as CEO then Chairman), TransferWise revolutionized cross-border finance and reached a multi-billion valuation. After Wise’s success (it went public in 2021), Taavet Hinrikus shifted focus to investing and supporting other startups. He has become an “operator angel” who backs early-stage European founders, particularly in fintech and software, bringing his experience in scaling a fintech unicorn. In 2022, Hinrikus teamed up with Teleport co-founder Sten Tamkivi to launch a new VC firm called Plural, a €250 million fund “built by founders” to invest in Europe’s next generation of tech companies. As an individual angel, Taavet has made personal investments in startups like Bolt (ride-hailing, Estonia), Mirror (US fintech), Zego (insurance) and many others, often taking advisory roles. He is known for his hands-on mentorship style – for example, he has provided guidance to Wise alumni starting companies and frequently advocates for Baltic and European tech on the global stage. Taavet also serves on various boards (e.g. he was on the board of Nasdaq’s Estonia arm and advisory boards of fintech companies) and was a special adviser to the UK government on fintech. In the Europe Startup Guide, Taavet is described as an angel “investing as an operator-angel in European fintech and software,” focusing on pre-seed to Series A deals. His journey from founding a $10B fintech company to re-investing in the ecosystem has made Hinrikus an influential figure. Not only does he bring capital, but also credibility and connections – helping younger European startups navigate growth and international expansion. In essence, Taavet Hinrikus exemplifies the new wave of successful European founders who “pay it forward” by fueling the next cohort of startups.
Tagpeak
Cashback platform that links shopping rewards to the stock market: a share of each purchase at 300+ partner brands is invested in stocks, with rewards fluctuating daily and a guaranteed minimum.
Taktile
Taktile is a Berlin-based provider of an agentic decision platform for financial institutions, combining AI automation with human oversight for regulated environments. Its platform lets banks and insurers build and deploy automated decision flows and AI agents across onboarding and KYC, credit decisions, fraud detection, AML and compliance, and insurance underwriting. The company emphasises transparency and control, positioning around traceable decisions. Founded by Maik Taro Wehmeyer and Maximilian Eber, who met at Harvard and previously worked together at QuantCo, Taktile raised a 51.5 million euro Series B in February 2025 led by Balderton Capital.
Tamta Ivanishvili
Lawyer at BLC Law Office, advising on financial regulation, fintech and crypto in Georgia. She is an announced speaker at FUTURUM Payments Georgia 2026 in Tbilisi.
Tarfin
Tarfin (Tarfin Tarim A.S.) is an Istanbul-headquartered agrifintech company that helps farmers buy fertilizers, seeds, feed, equipment and fuel from authorised retailers and pay at harvest time using machine learning-based risk assessment. Its Tarfin Mobil app lets farmers compare local input prices, submit purchase applications typically evaluated within minutes, and track payments due at harvest. The company serves more than 65,000 farmers through 1,500+ authorised retailers across 75+ cities in Turkey, and also operates in Romania. It separately runs Tarfin Flex, a consumer buy-now-pay-later product.
Target Global
Target Global is a Berlin-headquartered international venture capital firm founded in 2012 by Alexander Frolov, Mikhail Lobanov, Shmuel Chafets, and Yaron Valler, investing across all stages from seed to late stage in European and Israeli technology companies. With over USD 3 billion in assets under management across early-stage, growth, and fintech-focused funds, Target Global has become one of the most active cross-border European venture investors, running parallel investment themes across fintech, mobility, logistics, travel, PropTech, and enterprise software. The firm has backed category-defining businesses including Auto1 Group, Delivery Hero, Revolut, Rapyd, TravelPerk, WeFox, and Omnipresent, and operates offices in Berlin, London, Tel Aviv, and Barcelona. Target Global is a useful reference point for founders looking for a European-headquartered fund that can write initial checks at seed and follow them all the way into late-stage growth rounds from a single partnership.
Taxdoo
Taxdoo is a Hamburg-based tax automation platform founded in 2016 that specializes in VAT compliance, financial accounting, and tax reporting for e-commerce businesses selling across European borders. The platform automates the complex web of cross-border VAT obligations that arise when online sellers store and ship goods across multiple EU countries. Taxdoo integrates with major e-commerce platforms and marketplaces including Amazon, Shopify, and eBay, and handles VAT registration, filing, and reporting across jurisdictions. The company serves thousands of online merchants navigating Europe's fragmented tax landscape.
Taxfix
Taxfix is a mobile-first tax filing app that simplifies income tax returns for individuals in Germany and other European markets. The app guides users through their tax declaration using a conversational interface and automatically optimizes deductions. Taxfix has served millions of users and raised over $200 million in venture funding, making tax filing accessible to people who previously avoided the complexity of traditional tax software.
