European Report | C-Innovation

European Digital Banking Report 2025

From Disruption to Profitability — and Beyond

After months of rigorous research and collaboration across Europe’s financial ecosystem, we’re proud to unveil the European Digital Banking Report 2025.

This year’s edition reflects a maturing market — where profitability, licensing, and ecosystem depth define success.

Built for decision-makers, this report benchmarks 30+ leading digital banks across five major markets — offering a clear view of how Europe’s financial landscape is evolving from expansion to sustainable performance.

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The European Digital Banking Report 2025 is a strategic guide for leaders in banking, FinTech, and policy.

It shows how Europe’s digital banks are moving from disruptors to profitable, scalable models — setting global standards in innovation, regulation, and customer experience. The report helps decision-makers to:

Anticipate market shifts and adapt business models for sustainable growth.
Benchmark competitors across the UK, Germany, France, Spain, and Italy.
Spot opportunities in SME banking, cross-border payments, and embedded finance.
Understand Europe’s regulatory leadership (PSD2/PSD3, DORA) and its global impact.

IN THIS REPORT YOU WILL FIND

Market Insights & Profitability Paths

Discover how Europe’s leading digital banks are moving from disruption to sustainable profitability. The report highlights financial benchmarks, revenue models, and the key drivers that separate winners from laggards in today’s market

Country-Level Opportunities

Gain clarity on the growth pockets across the UK, Germany, France, Spain, and Italy. Each section reveals adoption trends, regulatory dynamics, and untapped areas such as SME banking, cross-border payments, and embedded finance.

Benchmarking of Leading Players

Compare Europe’s top digital banks in personal and SME segments. From Revolut to Qonto and Starling Bank, the report provides detailed benchmarking of products, user experience, and strategic moves shaping the next chapter of European banking.

Why it matters for leaders

Europe is no longer just a regional story. From open finance adoption to scalable digital ecosystems, the strategies forged here are shaping what’s next for North America, Latin America, and Asia.

This report is designed for:

Banking executives focused on profitability and scale.
FinTech founders & investors targeting high-growth niches.
Regulators & policymakers tracking innovation and its implications for global finance.

With insights tailored to these audiences, the European Digital Banking Report 2025 is more than an overview — it is a decision-making toolkit for leaders who need to move from insight to impact.