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The Next Web

Europe can regulate its way to a better fintech future

August 11, 2025

Banks & Lenders

Merchants

Financial Services

Europe’s fintech future is being reshaped by a wave of EU regulations — and Wouter Moolenaar, Global Head of Compliance and Privacy at Jifiti, believes this could be a catalyst for innovation, not a barrier.

In his op-ed, he unpacks how MiCA, DORA, and AMLA aim to unify fragmented rules, boost consumer trust, and level the playing field between banks and fintechs. While tighter oversight may slow experimentation in the short term, Wouter argues it will ultimately foster cross-border competition, spur collaboration, and attract investment.
The real winners? Agile fintechs, forward-thinking banks, and consumers who gain more reliable, secure services.

In a market where trust is currency, these regulations might just be Europe’s golden ticket to a stronger, more innovative financial ecosystem.

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