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Hey VentureTaler - It’s Alex!

Welcome to our 8th VentureTale. If you only have 4 minutes and 36 seconds to read, don’t worry it’s enough!

The Industry

From the invention of the first coin to instant digital, decentralized payments! During the past twenty years, financial infrastructure and technological advancements have transformed the way people transact. Banking, investing, and payments have become fully integrated into smart devices, allowing users to manage their money from the palm of their hand, anywhere in the world.

Fintech has consistently been at the forefront of innovation, as money is a main element to daily life and long-term well-being. This ongoing evolution has created opportunities for founders, innovators, and investors to develop solutions that solve daily needs of consumers of every caliber. In fact, fintech has remained among the top three industries in terms of funding in the past decade, generating a staggering $1.1 trillion in exit value over the past nine years.

Despite a funding slowdown in 2023, European fintech is rebounding. In 2024, startups raised $8.8 billion, and this upward trend is expected to continue into 2025, driven by economic stability and strategic investments. Neobanks are crushing it, projected to reach 50 million active users in Europe this year. Consumer fintech is also experiencing a surge, thanks to increasing digital adoption and innovative new services.

On the regulatory front, the EU’s PSD3 and MiCA frameworks are paving the way for further innovation while ensuring security and transparency. With fintech projected to surpass $1.5 trillion in revenue by 2030, the sector remains one of the most promising areas for growth.

B2C fintech solutions such as mobile payments, instant transactions, and AI-powered payment systems keep also growing. Younger generations, who have grown up with digital wallets and banking apps, are embracing these solutions at a much faster rate than millennials and boomers.