Europe is home to more than 9,000 fintechs. It has produced global champions such as Wise, Klarna, and Adyen in payments, Revolut and Monzo in banking, and Mambu in B2B software. Across the Atlantic, the United States plays host to more than 13,000 fintechs, with leaders like Stripe, PayPal, and Chime. Both continents coexist and compete to produce the most influential companies in financial technology, though the paths taken and outcomes achieved often vary widely. European fintechs raised €3.6 billion i ...