AI, Capital, And Compliance: Mapping Fintech Startup Momentum
Raising capital is just one part of the equation. For fintech founders in 2025, the real challenge lies in building products that are not only fast and secure, but also AI-native and regulatory-ready from day one. Between €5.2 and €6.3 billion has already flowed into European fintech startups this year, while U.S. firms continue to attract the lion’s share globally, capturing 60 % of all fintech investment and 71 % of mega-round funding in Q2 alone. The funding is returning, but so are the expectations.The funding is returning, while but so are the expectations.
Paula Cristea - 16 Oct 2025