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  • Fintech is Europe’s biggest startup sector by investment, attracting a record $21 billion in 2021.
  • A war for talent; more regulation; and slower routes to IPO will dampen 2022, predicts Finch Capital.
  • This story was published in October 2021 and updated in December 2021.

Europe’s panoply of fintech startups operating everything from challenger banks to complex payments tech had a gala 2021, raising an estimated $21 billion, according to analysis by venture capital firm Atomico.

Companies such as neo-bank Monzo, buy-now, pay-later startup Klarna, and loans startup Lendable are either raising or raised at multi-billion dollar valuations through the year.

But the fizz is set to go out of the sector in 2022, predicts Dutch VC firm Finch Capital, which has backed UK mortgage broker Trussle and lending platform Zopa.

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