The Future of European Fintech 2025: A Money20/20 Special Edition

A special edition for Money20/20 Europe 2025.

The European fintech space is seeing leaps and bounds in digital innovation, financial technology, and operational resilience. With incoming regulation focused on standarising the sector and disruptive fintech firms challenging banks - the ecosystem is in a transitional period. 

Among these challenges, the fintech boom is sweeping the continent. New developments in AI, tokenisation, digital identity, open banking, and more is redefining the banking sector. Europe is primed to act as the epicentre for global fintech innovation. 

This Finextra report dives into industry sentiment on what the future holds for European fintech, featuring key insights from NatWest Group, Standard Chartered, BNY Mellon, Magnetiq Bank, GoCardless, Moore Kingston Smith, Stripe, and Augmentum Fintech. It explores: 

• AI and predictive analytics integration in payments; 
• Enabling financial inclusion and accessibility in emerging markets; 
• The role of digital identity and behavioural biometrics in financial services; 
• Innovation in regulatory practices; 
• The revolutionary power of smart data and decentralised finance.