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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


9fin founders

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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Ruggero Di Spigna

Ruggero Di Spigna is a Senior Insights & Product Associate at Sifted. Find him on LinkedIn

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