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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Wojciech Pysiewicz
Wojciech Pysiewicz is a Polish investor and co-founder of WP2 Investments (founded 2021, Wrocław), a venture and venture-building fund focused on fintech, green energy, medtech and e-commerce at pre-seed to Series A. He spent nearly two decades in banking, including nine years at Santander Consumer Bank where he served on the management board overseeing Belgium and the Netherlands, before turning to early-stage investing. Recognised as a SuperAngel by COBIN Angels, his portfolio of 17 companies includes fintechs Verestro and Fenige, and the fund achieved an exit when wellbee was acquired by Benefit Systems in 2024.
Wojtek Kostrzewa
A prominent Polish business leader (ex-CEO of ITI Group and mBank), Wojtek pivoted to fintech entrepreneurship and angel investing. As CEO of blockchain fintech Billon Group, he personally invested in Billon and other tech ventures. He was honored as Business Angel of the Year in 2018 for his consistent support of startups. His angel investments include Billon (DLT payments), Quedex (crypto exchange), and AdEmotion (AI marketing). Associated startups: Billon Group, Quedex, AdEmotion.
Xolo
Admin platform for solo freelancers and one-person businesses, handling company setup (incl. e-Residency), invoicing, taxation and compliance. Serves 150,000+ users across 160 countries and has processed over EUR 6B in invoices.
Yokoy
Yokoy is a Zurich-based AI-powered spend management platform founded in 2019 by Lars Mangelsdorf, Philippe Sahli, and Michael Fehr. The company automates expense reports, invoice processing, and corporate card management using machine learning, reducing manual finance workflows for mid-market and enterprise clients. Yokoy raised a Series B of CHF 80 million in 2022 led by Sequoia Capital, one of the largest Swiss fintech funding rounds of that year, and has since expanded across DACH, the UK, and the Netherlands. The platform integrates with major ERP systems including SAP and Oracle and is used by companies including DocMorris and Montana. Yokoy competes with Concur and Payhawk in the European spend management category.
YuLife
UK insurtech offering group life insurance and employee benefits gamified with wellbeing rewards to encourage healthy living. Founded 2016 in London; expanded to the US and South Africa.
Zazume
Proptech that digitises the full residential rental lifecycle for landlords and property managers, offering guaranteed rent, AI-powered tenant matching, non-payment insurance and rent advances. Manages 3,500 properties across Spain.
ZGI Capital
ZGI Capital is one of the most experienced venture capital firms in the Baltics, founded in 2005 in Riga. It has operated four successive fund generations (ZGI-1 through ZGI-4), with ZGI-4 attracting the largest single private VC investment in Latvia at €10M. The firm targets seed and Series A rounds of €500k–€5M in Latvian and Baltic companies across SaaS, fintech, food-agtech, logistics, and industrial sectors. ZGI Capital has won Latvia's VC & PE sector award six times, including in 2024 and 2025.
Zilch
Zilch is a London-based fintech founded in 2018 that offers a buy-now-pay-later and payments app funded partly by advertising, letting customers pay over time at any merchant while earning rewards. It reached unicorn status and reports over one hundred million pounds of annualised revenue, positioning itself as an ad-subsidised alternative to traditional credit.
Zofia Dzik
Impact investor and founder of the Humanites Institute, Zofia is a leading advocate of human-centric technology and responsible innovation. A former C-level executive in large financial organizations (including PZU and Link4), she supports startups and boards at the intersection of business performance and social impact. Her focus areas include fintech, medtech, and social impact, complemented by board service at major public companies and active mentorship.
Zopa
Zopa is a UK digital bank offering current accounts, personal loans, credit cards, car finance, savings accounts (including cash and stocks-and-shares ISAs) and investing products. Originally a peer-to-peer lending pioneer, it now operates as a licensed UK bank under the 'Biscuit' current-account brand alongside its lending and savings business.
