2025 brings a regulatory revolution to the European fintech sector, with six new regulations redefining digital security, consumer protection, and financial operations. The European Union aims to make transparency, accessibility, and security the pillars of the new financial ecosystem.

 Source: DashDevs – Key fintech regulations in the European Union

PSD3 and PSR introduce stronger anti-fraud measures and mandatory frameworks for secure data sharing between banks and third parties. Since January 2025, all payment service providers must comply with the Instant Payments Regulation, making instant payments mandatory at the same cost as traditional credit transfers.

The Digital Operational Resilience Act (DORA), effective from January 2025, strengthens cybersecurity of EU financial entities, emphasizing IT risk management and resilience testing. Meanwhile, the Markets in Crypto-Assets Regulation (MiCA) has been fully operational since December 30, 2024, creating a unified framework for crypto-assets and stablecoins.

The Financial Data Access Directive (FiDA), expected during 2025, will expand Open Finance through standardized rules for data sharing, accessibility, and security in financial services. The Consumer Credit Directive 2 (CCD2) will include smaller loans and products like Buy Now Pay Later from November 2026.

Finally, electronic invoicing becomes mandatory with varying timelines: in France, large enterprises must issue e-invoices by September 2026, while in Spain, QR codes on invoices will be mandatory by 2026.

These regulations promise to create a safer and more competitive market, but require significant investments in compliance and technology infrastructure.