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 517 organisations in this sector across 6+ countries.
Showing 341–360 of 517 Fintech
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Fintech results
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Patron GO
AI-powered personal finance app that detects unnecessarily high payments and subscriptions in users' bank accounts and recommends better offers. Operating in Czechia and Slovakia, it has passed 350,000 users.
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Paul Taylor
Founder and CEO of Thought Machine, the cloud-native core-banking platform. He previously founded a speech-technology company acquired by Google, where he built voice systems before turning to banking infrastructure.
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Paweł Michalski
Paweł Michalski is a Warsaw-based VC educator and angel investor, best known as co-founder and CEO of VCLeaders, a training platform for venture professionals, and as a Managing Partner and Head of Advisory Services at COBIN Angels, Poland's largest business-angel community. He is also a Venture Partner at the Berlin climate-tech fund World Fund, and previously served as Chief Growth Officer at equity-crowdfunding platform Beesfund and Head of Business Development at hardware startup First11, following a project-finance career at PKO Bank Polski. Through VCLeaders' newsletter he regularly publishes analysis on the European venture ecosystem.
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PayFit
PayFit is a Paris-based fintech founded in 2016 that provides cloud payroll and HR software for small and medium-sized businesses, automating pay runs, leave, expenses and employee management across several European countries. It reached unicorn status in 2022 and serves tens of thousands of SMEs.
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Payflow
Payflow is an earned-wage-access fintech letting employees draw down accrued salary at any time during the month at no cost, with employers paying a platform fee. It has grown into a financial-wellness app serving 800+ companies and 500,000 employees across Spain, Portugal, Peru and Colombia.
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Paymove
Paymove is a Sopot-based fintech that digitises unattended and offline commerce, replacing legacy physical payment hardware with secure QR-based payments that need no app download. The company is also building payment infrastructure for autonomous AI agents. It is active in more than 2,000 locations in Poland and reaches over 600,000 users.
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Paypercut
Payments platform giving online merchants across Central and Eastern Europe unified access to card payments, BNPL, local payment methods and multi-currency settlement via a single integration. Raised a €5M seed, bringing total funding to €7M.
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Paysera
Paysera, founded in 2004, became Lithuania's first licensed e-money institution when the Bank of Lithuania issued it an unlimited electronic money licence in 2012. The company offers online and in-store payment processing, international money transfers, currency exchange, and investment services to individuals and businesses in over 30 countries. It employs more than 700 people. The platform serves event organisers, e-shops, physical retailers, and private clients.
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Paytently
Paytently is a payment orchestration platform built by former executives from Checkout.com, Trustly, and TrueLayer. Founded in 2022 and launched commercially in 2023, its single API enables businesses to route transactions across 60+ acquiring partners and 200+ alternative payment methods, with AI-powered fraud detection and intelligent routing to optimise success rates. Regulated as a Payment Institution by the Malta Financial Services Authority, the company serves iGaming, e-commerce, and other high-volume verticals from its headquarters in Sliema.
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PayU
Fintech payments provider founded in 2002 and headquartered in Hoofddorp, Netherlands, owned by Prosus/Naspers. Processes online payments for merchants across CEE, LatAm and Africa.
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Payze
Payze is a Tbilisi-based payment-orchestration and acquiring layer built specifically for merchants operating across the Caucasus, CIS, and Eastern European markets, where a single global PSP rarely has strong enough local rails to cover the whole corridor. The platform gives e-commerce operators and marketplaces one API for card processing, Apple Pay and Google Pay, local bank methods, tokenization, and — crucially — automated split payments that route a single customer charge to multiple beneficiaries (sellers, drivers, partners) without building custom ledger logic. Founded in 2020, Payze has raised from Y Combinator (W22 cohort) and 500 Global via the 500 Georgia/Eurasia program, and is backed locally by GITA, the Georgian Innovation and Technology Agency. It is one of the clearest examples of a Georgian B2B fintech that has converted the country's position as a regional crossroads between Europe, Turkey, and the CIS into a commercial wedge in payments infrastructure.
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Penneo
Penneo is a Copenhagen-based digital trust company, legally Penneo A/S, offering Penneo Sign, Penneo Collect, and Penneo Verify to digitally sign, collect data for, and verify the identity behind business documents with cryptographic, court-admissible evidence. It is a Qualified Trust Service Provider (QTSP) under the EU eIDAS regulation, generating certificates, signatures, and timestamps on hardware security modules in Danish, EU-based data centres, and it holds ISO 27001 certification. Penneo reports serving more than 3,500 companies across Europe, primarily in audit and accounting, finance and banking, legal services, and real estate.
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Pennylane
Accounting and financial management platform growing its engineering footprint in Spain. Pennylane is a startup based in Paris, France at the growth stage. The company operates in the Fintech, Accounting, SaaS space. Learn more at their website.
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PFR Ventures
PFR Ventures is the venture capital arm of the Polish Development Fund (Polski Fundusz Rozwoju), wholly owned by the Polish state, established in 2014 and based in Warsaw. The firm operates as the largest fund-of-funds manager in the Central and Eastern Europe region, managing over PLN 3 billion in assets across 80+ private VC funds that have collectively supported more than 900 startup investments. PFR Ventures co-invests alongside private LPs to leverage EU structural funds and catalyse private capital into the Polish venture ecosystem, backing early-stage through growth-stage funds in sectors including deep tech, SaaS, fintech, and life sciences. Its Innovate Poland programme launched in November 2025 with at least PLN 4 billion earmarked for the next investment cycle.
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Philippe de la Chevasnerie
Co-founder and CEO of papernest, the platform that automates household subscriptions and contracts. A former McKinsey consultant, he co-founded the company in 2015 and expanded it across Europe.
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Philippe Sahli
Co-founder and CTO of Yokoy, the Zurich-based AI-powered spend management platform founded in 2019. Sahli led the technical architecture of Yokoy's AI engine for expense reports and invoice automation, helping scale the platform to enterprise customers across Europe after the company's CHF 80 million Series B led by Sequoia Capital.
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Phyre
Phyre is a Bulgarian mobile digital wallet offering a free EUR current account opened entirely from a phone, contactless and peer-to-peer payments, Apple Pay support, IBAN transfers, e-vignette purchase, utility bill payment and loyalty-card storage, plus a free virtual Mastercard. In partnership with PB Personal Finance it also offers an instant credit line of up to €2,000, applied for and signed entirely in-app. Payment services are provided via licensed e-money firm Paynetics.
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Piotr Romanowski
Business Angel of the Year 2021 and former PwC partner, Piotr combines corporate finance expertise with deep-technology investing. He focuses on high-potential international projects, especially biotech and complex fintech products. His portfolio includes early-stage investments in biotechnology initiatives and specialized fintech tooling.
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Piotr Smoleń
A fintech entrepreneur (ex-CEO of Turbine Analytics), Piotr co-founded Data Ventures and also invests personally in tech startups. He has shown particular interest in blockchain and DeFi startups and is ranked among the top crypto-focused angels in Poland with investments in blockchain companies. Associated startups: Aleph Zero (blockchain platform) and multiple fintech/crypto ventures.
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Plat.AI
Plat.AI is an Armenian AI technology company founded in 2020, specializing in predictive analytics solutions for the fintech and insurtech industries. Its platform processes up to 10 million predictions daily for credit and insurance organizations, and has deployed products in cooperation with Armenia's banking and social protection sectors in partnership with the Nork Technology Center. Plat.AI is an active contributor to data science education in Armenia and serves as a Gold Sponsor of PyData PyCon Yerevan 2026.
