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2116294

歐洲金融科技：市場佔有率分析、產業趨勢與統計及成長預測（2026-2031）

Europe Fintech - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2026 - 2031)
出版日期: | 出版商: Mordor Intelligence | 英文 150 Pages | 商品交期: 2-3個工作天內

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簡介目錄

根據 Mordor Intelligence 預測，歐洲金融科技市場規模將從 2025 年的 855.2 億美元和 2026 年的 981.4 億美元成長到 2031 年的 1,953.5 億美元，2026 年至 2031 年的複合年成長率為 14.76%。

歐洲金融科技市場-IMG1

本報告按服務業（數位支付、數位借貸和資金籌措、數位投資、保險科技、新型銀行）、終端用戶（個人、企業）、用戶介面（行動應用程式、網頁/瀏覽器、POS/物聯網設備）以及地區（英國、德國、法國、西班牙、義大利、比荷盧經濟聯盟、北歐國家及其他歐洲國家）進行細分。市場預測以美元計價。

歐洲金融科技市場的趨勢與洞察

PSD2 和 SEPA 基礎設施使得即時跨帳戶結算得以擴展。

歐盟於2024年通過的《即時結算條例》(IPR) 正迅速推動歐元即時帳戶間轉帳在歐洲的普及與發展。該條例要求傳統的歐元轉帳服務提供者也必須提供即時結算服務。根據該條例，即時結算服務全天候24小時可用，且必須在幾秒鐘內完成。這縮短了從付款指示發出到資金最終到帳的時間，並促進了銀行和金融科技公司之間的即時交易。支付服務供應商(PSP)必須確保即時結算的成本等於或低於標準轉賬，有助於消除先前阻礙即時結算普及的價格障礙。該條例還引入了「購買者語音(VoP)」要求，透過在執行交易前提醒付款人帳戶識別碼與收款人姓名不符的情況，降低詐欺風險，並增強人們對即時帳戶間轉帳的信心。此外，這些法規支持更廣泛的市場參與企業，並透過允許非銀行結算機構和電子貨幣機構接入核心結算系統，擴大了能夠提供即時結算服務的供應商生態系統。透過統一單一歐元支付區 (​​SEPA) 的存取、定價和安全標準，IPR 顯著提升了即時結算的可靠性、覆蓋範圍和吸引力，使即時交易成為歐洲不斷發展的金融科技行業不可或缺且擴充性的基礎。

加快歐洲中小企業和中型企業採用嵌入式支付。

歐洲中小企業加速採用嵌入式支付是推動歐洲金融科技市場成長的關鍵因素，Adyen 2025年上半年的業績也印證了這一點。該公司實現了強勁的兩位數營收成長，這得益於其平台業務和中型商家交易量的成長，這些商家正將支付功能直接整合到其軟體和商業生態系統中。 Adyen平台和發卡業務的成長表明，市場對透過單一、可擴展的基礎設施提供整合支付受理、支付處理和發卡功能的需求日益成長。歐洲中小企業越來越重視嵌入式支付，以降低營運複雜性、減少與多個供應商的合作關係並加快產品上市速度。透過將支付功能原生整合到企業資源計畫 (ERP) 系統、市場平台和 SaaS 平台中，這些公司可以提供無縫的跨通路結帳、快速的支付處理和統一的報告功能。嵌入式支付模式也支援全通路策略，使商家能夠透過單一後端管理店內、線上和行動交易。隨著交易量的成長，支付基礎設施供應商可以利用營運槓桿效應，加大對先進金融科技能力的投資。這種轉變在歐洲尤其顯著，因為歐洲市場分散化和跨國交易催生了對統一支付編配的需求。

創業投資的長期低迷給成長型公司造成了資金籌措缺口。

創業投資資金籌措的長期低迷仍然是歐洲金融科技市場的主要阻礙因素，尤其對正在擴張和早期階段的公司而言更是如此。到2025年，投資者將變得更加挑剔，資金將集中在成熟的後期經營模式和具有更清晰收入前景的交易上。這種轉變導致資金籌措延長，並對盈利、單位經濟效益和管理紀律提出了更高的要求。歐洲各地的金融科技投資復甦並不均衡，主要中心地區持續吸引資本，而小規模的新興市場則面臨交易量下降的局面。利率上升和全球政策的不確定性促使投資者更加重視低資金消耗率和永續成長策略。因此，缺乏多元化收入來源或清晰現金流路徑的金融科技公司在資金籌措受到限制。

細分市場分析

到2025年，數位支付將佔歐洲金融科技市場52.67%的佔有率。這一成長主要得益於強制性即時支付、收款人驗證要求以及商家對帳戶間轉帳和卡片付款的日益普及。 Adyen等基礎設施供應商的收入和交易量均表現強勁，反映出全通路和即時支付的趨勢。強制性收款人驗證等監管措施透過增強交易安全性和建立信任，促進了數位支付在電子商務和POS機環境中的更廣泛應用。即時付款基礎、線下支付安全措施和統一風險管理相結合，正使歐洲各地的消費者和商家的支付體驗更加快速、安全和可靠。

保險科技是歐洲成長最快的產業，其成長動力源自於數據驅動的核保、嵌入式銷售和合規性強的產品設計，預計到2031年將以16.58%的複合年成長率成長。新銀行也不斷發展，大型盈利公司專注於拓展產品線、提高營運槓桿和利用人工智慧驅動的服務流程，而小型供應商則致力於提升成本效益。即時支付基礎設施和開放API的成長為資料、分銷和個人化提供了新的管道，使保險公司和銀行能夠將保險和金融服務無縫整合到數位化體驗中。參與歐洲監管發展和方案管治使金融科技公司更直接地融入產業，從而加強支付和標準化。總體而言，這些創新正在推動多個金融科技領域的同步擴張，數位支付在即時基礎設施的基礎上發展，而保險科技則透過人工智慧和合作夥伴主導的分銷管道不斷擴展。

其他好處：

  • Excel格式的市場預測（ME）表
  • 3個月的分析師支持

目錄

第1章：引言

  • 研究假設和市場定義
  • 調查範圍

第2章：調查方法

第3章執行摘要

第4章 市場狀況

  • 市場概覽
  • 市場促進因素
    • PSD2 和 SEPA 基礎設施支援即時跨帳戶結算的擴展
    • 加快歐洲中小企業和中型企業採用嵌入式支付。
    • 開放銀行API生態系統的成熟將釋放資料主導收入來源。
    • 「先買後付」解決方案在區域電子商務通路迅速普及。
    • 歐洲中央銀行的數位歐元試點計畫正在促進對電子錢包和數位身分的投資。
    • 與氣候變遷因應措施一致的金融科技創新發展，是由歐盟的永續金融法規所推動的。
  • 市場限制因素
    • 創業投資的長期低迷給成長型公司造成了資金籌措缺口。
    • 各國不同的許可製度阻礙了跨境業務的擴張。
    • 根據歐盟新標準，雲端主權合規成本正在上升。
    • 銀行股本要求的收緊降低了它們與金融科技公司合作發放貸款的意願。
  • 價值鏈分析
  • 監理展望
  • 技術展望
  • 波特五力模型
  • 投資和資金籌措分析

第5章 市場規模與成長預測

  • 服務方案
    • 數位支付
    • 數字借貸和資金籌措
    • 數位投資
    • 保險科技
    • 新銀行
  • 最終用戶
    • 零售
    • 公司
  • 透過使用者介面
    • 行動應用
    • 網頁/瀏覽器
    • POS/物聯網設備
  • 國家
    • 英國
    • 德國
    • 法國
    • 西班牙
    • 義大利
    • 比荷盧經濟聯盟（比利時、荷蘭、盧森堡）
    • 北歐國家（瑞典、挪威、丹麥、芬蘭、冰島）
    • 其他歐洲國家

第6章 競爭情勢

  • 市場集中度
  • 策略趨勢
  • 市佔率分析
  • 公司簡介
    • Adyen NV
    • Klarna Bank AB
    • Revolut Ltd
    • Checkout.com Group
    • Wise plc
    • Stripe Inc.
    • N26 GmbH
    • Starling Bank Ltd
    • OakNorth Bank plc
    • Solaris SE
    • Mambu GmbH
    • Tink AB（Visa）
    • Onfido Ltd
    • WorldRemit Group
    • Rapyd Financial Network
    • Pleo Technologies ApS
    • Qonto SAS
    • Tide Platform Ltd
    • LendInvest plc
    • Funding Circle Holdings plc

第7章 市場機會與未來展望

簡介目錄
Product Code: 72323

According to Mordor Intelligence, the Europe fintech market size is projected to expand from USD 85.52 billion in 2025 and USD 98.14 billion in 2026 to USD 195.35 billion by 2031, registering a CAGR of 14.76% between 2026 to 2031.

Europe Fintech - Market - IMG1

This report is Segmented by Service Proposition (Digital Payments, Digital Lending and Financing, Digital Investments, Insurtech, Neobanking), End-User (Retail, Businesses), User Interface (Mobile Applications, Web/Browser, POS/IoT Devices), and Geography (United Kingdom, Germany, France, Spain, Italy, Benelux, Nordics, Rest of Europe). The Market Forecasts are Provided in Terms of Value (USD).

Europe Fintech Market Trends and Insights

Expansion of Account-to-Account Instant Payments Enabled by PSD2 and SEPA Infrastructure

The Instant Payments Regulation (IPR) adopted by the EU in 2024 is rapidly accelerating the deployment and uptake of instant account-to-account credit transfers in euros across Europe by mandating that providers of traditional euro credit transfers must also offer instant versions of those services. Under the regulation, instant payments must be available 24/7/365 and settled within seconds, narrowing the gap between payment initiation and final funds availability and fostering real-time transaction capabilities across banks and fintechs. PSPs (payment service providers) are required to ensure that instant payments are offered at no greater cost than standard credit transfers, helping to remove pricing barriers that previously discouraged adoption. The regulation also introduces a verification-of-payee (VoP) requirement, which alerts payers to mismatches between account identifiers and beneficiary names before execution, reducing fraud risk and strengthening trust in real-time account-to-account transfers. In addition, the regulation supports broader market participation by granting non-bank payment and e-money institutions access to core payment systems, widening the ecosystem of providers that can deliver instant payment services. By harmonizing access, pricing, and security standards across the Single Euro Payments Area (SEPA), the IPR significantly enhances the reliability, reach, and appeal of instant account-to-account payments, making real-time transactions an essential, scalable foundation for Europe's evolving fintech landscape.

Acceleration of Embedded Payments Adoption Among European SMEs and Mid-Market Enterprises

The acceleration of embedded payments adoption among European SMEs and mid-market enterprises is a major driver of growth in the European fintech market, as reflected in Adyen's H1 2025 performance. The company reported strong double-digit revenue growth, supported by increasing transaction volumes from platform businesses and mid-sized merchants that are embedding payments directly into their software and commerce ecosystems. Growth in Adyen's platforms and issuing segments indicates rising demand for integrated payment acceptance, payouts, and card issuing capabilities that are delivered through a single, scalable infrastructure. European SMEs and mid-market enterprises are increasingly prioritizing embedded payments to reduce operational complexity, eliminate multiple vendor relationships, and improve speed to market. By integrating payments natively into enterprise resource planning systems, marketplaces, and SaaS platforms, these businesses can offer seamless checkout, faster settlement, and unified reporting across channels. Embedded payment models also support omnichannel strategies, allowing merchants to manage in-store, online, and mobile transactions through a single backend. As transaction volumes scale, payment infrastructure providers benefit from operating leverage, reinforcing investment in advanced fintech capabilities. This shift is particularly relevant in Europe, where fragmented markets and cross-border activity create demand for unified payment orchestration.

Prolonged Venture Capital Slowdown Creating Funding Gaps for Scale-Ups

Prolonged weakness in venture capital funding remains a key restraint for the European fintech market, particularly for scale-ups and early-stage firms. In 2025, investor appetite became increasingly selective, with capital concentrated on proven, later-stage business models and stronger revenue visibility. This shift has extended fundraising timelines and raised expectations around profitability, unit economics, and operating discipline. Recovery in fintech investment is uneven across Europe, as major hubs continue to attract funding while smaller or emerging markets face reduced deal activity. Elevated interest rates and global policy uncertainty have further reinforced investor preference for lower burn rates and sustainable growth strategies. As a result, fintechs without diversified revenue streams or clear paths to cash generation face constrained access to expansion capital.

Other drivers and restraints analyzed in the detailed report include:

  1. Maturation of Open-Banking API Ecosystems Unlocking Data-Driven Revenue Streams
  2. Rapid Uptake of Buy-Now-Pay-Later Solutions Across Regional E-Commerce Channels
  3. Fragmented National Licensing Regimes Hindering Cross-Border Expansion

For complete list of drivers and restraints, kindly check the Table Of Contents.

Segment Analysis

Digital payments accounted for 52.67% of the European fintech market in 2025. Growth is driven by instant payment mandates, verification-of-payee requirements, and increasing merchant adoption of account-to-account and card-based flows. Infrastructure providers, such as Adyen, report strong revenue and transaction volume, reflecting the shift toward omnichannel, real-time payment acceptance. Regulatory measures like mandatory verification-of-payee enhance transaction security and build trust, encouraging broader adoption in both e-commerce and point-of-sale environments. Together, real-time rails, offline acceptance safeguards, and unified risk controls are making payments faster, safer, and more reliable for consumers and merchants across Europe.

Insurtech is the fastest-growing segment in Europe, projected to expand at a 16.58% CAGR through 2031, supported by data-driven underwriting, embedded distribution, and compliance-ready product design. Neobanking is evolving, with profitable leaders expanding product lines, improving operating leverage, and leveraging AI-enabled service flows, while smaller providers focus on cost efficiency. The growth of real-time payment rails and open APIs provides new channels for data, distribution, and personalization, enabling insurers and banks to embed coverage and financial services seamlessly into digital journeys. European rulemaking and participation in scheme governance are integrating fintechs more directly into the industry, strengthening settlement and standardization. Overall, these innovations allow multiple fintech segments to scale concurrently, with digital payments advancing on real-time infrastructure and Insurtech expanding via AI and partner-led distribution.

Complete Report Scope:

  • By Service Proposition
    • Digital Payments
    • Digital Lending and Financing
    • Digital Investments
    • Insurtech
    • Neobanking
  • By End-User
    • Retail
    • Businesses
  • By User Interface
    • Mobile Applications
    • Web/Browser
    • POS/IoT Devices
  • By Country
    • United Kingdom
    • Germany
    • France
    • Spain
    • Italy
    • Benelux (Belgium, Netherlands, and Luxembourg)
    • Nordics (Sweden, Norway, Denmark, Finland, and Iceland)
    • Rest of Europe

List of Companies Covered in this Report:

  1. Adyen N.V.
  2. Klarna Bank AB
  3. Revolut Ltd
  4. Checkout.com Group
  5. Wise plc
  6. Stripe Inc.
  7. N26 GmbH
  8. Starling Bank Ltd
  9. OakNorth Bank plc
  10. Solaris SE
  11. Mambu GmbH
  12. Tink AB (Visa)
  13. Onfido Ltd
  14. WorldRemit Group
  15. Rapyd Financial Network
  16. Pleo Technologies ApS
  17. Qonto SAS
  18. Tide Platform Ltd
  19. LendInvest plc
  20. Funding Circle Holdings plc

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 Introduction

  • 1.1 Study Assumptions & Market Definition
  • 1.2 Scope of the Study

2 Research Methodology

3 Executive Summary

4 Market Landscape

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 Expansion of Account-to-Account Instant Payments Enabled by PSD2 and SEPA Infrastructure
    • 4.2.2 Acceleration of Embedded Payments Adoption Among European SMEs and Mid-Market Enterprises
    • 4.2.3 Maturation of Open-Banking API Ecosystems Unlocking Data-Driven Revenue Streams
    • 4.2.4 Rapid Uptake of Buy-Now-Pay-Later Solutions Across Regional E-commerce Channels
    • 4.2.5 European Central Bank Digital-Euro Pilots Catalysing Wallet and Digital Identity Investments
    • 4.2.6 Growth in Climate-Aligned Fintech Innovation Driven by EU Sustainable Finance Regulations
  • 4.3 Market Restraints
    • 4.3.1 Prolonged Venture Capital Slowdown Creating Funding Gaps for Scale-Ups
    • 4.3.2 Fragmented National Licensing Regimes Hindering Cross-Border Expansion
    • 4.3.3 Escalating Cloud-Sovereignty Compliance Costs Under Emerging EU Standards
    • 4.3.4 Stricter Bank Capital Rules Reducing Appetite for Fintech Partnership Lending
  • 4.4 Value Chain Analysis
  • 4.5 Regulatory Outlook
  • 4.6 Technological Outlook
  • 4.7 Porter's Five Forces
    • 4.7.1 Threat of New Entrants
    • 4.7.2 Bargaining Power of Suppliers
    • 4.7.3 Bargaining Power of Buyers
    • 4.7.4 Threat of Substitutes
    • 4.7.5 Industry Rivalry
  • 4.8 Investment & Funding Trend Analysis

5 Market Size & Growth Forecasts (Value)

  • 5.1 By Service Proposition
    • 5.1.1 Digital Payments
    • 5.1.2 Digital Lending and Financing
    • 5.1.3 Digital Investments
    • 5.1.4 Insurtech
    • 5.1.5 Neobanking
  • 5.2 By End-User
    • 5.2.1 Retail
    • 5.2.2 Businesses
  • 5.3 By User Interface
    • 5.3.1 Mobile Applications
    • 5.3.2 Web/Browser
    • 5.3.3 POS/IoT Devices
  • 5.4 By Country
    • 5.4.1 United Kingdom
    • 5.4.2 Germany
    • 5.4.3 France
    • 5.4.4 Spain
    • 5.4.5 Italy
    • 5.4.6 Benelux (Belgium, Netherlands, and Luxembourg)
    • 5.4.7 Nordics (Sweden, Norway, Denmark, Finland, and Iceland)
    • 5.4.8 Rest of Europe

6 Competitive Landscape

  • 6.1 Market Concentration
  • 6.2 Strategic Moves
  • 6.3 Market Share Analysis
  • 6.4 Company Profiles (includes Global Level Overview, Market Level Overview, Core Segments, Financials as available, Strategic Information, Market Rank/Share for Key Companies, Products & Services, and Recent Developments)
    • 6.4.1 Adyen N.V.
    • 6.4.2 Klarna Bank AB
    • 6.4.3 Revolut Ltd
    • 6.4.4 Checkout.com Group
    • 6.4.5 Wise plc
    • 6.4.6 Stripe Inc.
    • 6.4.7 N26 GmbH
    • 6.4.8 Starling Bank Ltd
    • 6.4.9 OakNorth Bank plc
    • 6.4.10 Solaris SE
    • 6.4.11 Mambu GmbH
    • 6.4.12 Tink AB (Visa)
    • 6.4.13 Onfido Ltd
    • 6.4.14 WorldRemit Group
    • 6.4.15 Rapyd Financial Network
    • 6.4.16 Pleo Technologies ApS
    • 6.4.17 Qonto SAS
    • 6.4.18 Tide Platform Ltd
    • 6.4.19 LendInvest plc
    • 6.4.20 Funding Circle Holdings plc

7 Market Opportunities & Future Outlook

  • 7.1 Digital Payments & Instant Account-to-Account Rails
  • 7.2 Stablecoins & Digital Asset Payment Infrastructure