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 527 organisations in this sector across 6+ countries.
Showing 521–527 of 527 Fintech
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Fintech results
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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.
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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.
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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.
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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.
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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.
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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.
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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.
