Fintech’s first wave in Europe was about the front end. Neobanks, payment apps and trading platforms competed to give customers a better screen through which to manage their money.
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Market map
October 16, 2026
Europe’s AI fintech market mapped: 94 startups automating the business of money
From AI accountants to agents that pay other agents, Sifted maps the startups rebuilding the back office of finance
2 min read
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Ruggero Di Spigna is a Senior Insights & Product Associate at Sifted. Find him on LinkedIn
# AI agents# Deeptech# Fintech# Sifted view# EU# France# Germany# Netherlands# Spain# 9fin# AI Act# EU# Fintech# Market map# Netherlands# payments

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