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Funding and advertised pay are reported in USD; filed accounts retain their stated source currency and basis.

Exchange-rate basis

Indicative conversions use ECB reference rates dated 2026-09-14, applied consistently across all periods. They are not historical exchange rates. Indian rupees may use crore (1 crore = 10 million); other currencies use K, M and B. CSV downloads, source documents and quoted news headlines retain their original currencies.

THE BERLIN EDITION 2026

Berlin’s
fintech industry,
in focus.

The companies, capital and talent shaping fintech in Berlin. Find the leaders. Understand the segments. See where the activity is.

Explore in Radar Read the key signals
Snapshot: Funding in USD
Illustrated cover for Fintech Industry Landscape of Berlin
DE
COMPANIES · CAPITAL · TALENT

An industry ecosystem,
measured in context.

Fintech illustration
Companies tracked 335Fintech ecosystem in Berlin Disclosed funding $7.38B101 companies · all recorded rounds Companies hiring 40With open roles at the snapshot Tracked open roles 730 employers posted in the preceding 30 days
MEET THE COMPANIES

Explore Berlin’s fintech leaders

24 featured companies from the funding, hiring, revenue and team-size leaderboards.

Expand panel +
Explore the full landscape
Fintech company highlights in Berlin, snapshot 3 September 2026
Company
N26n26.com$1.72B—1,426Financial figure available in RadarView in Radar
Solarissolarisgroup.com$735.69M—317—
MODIFImodifi.com$353.59M—99—
Billiebillie.io$349.49M—107—
Taxfixtaxfix.de$330M—257—
re:capre-cap.com$313.65M—48—
Raisinraisin.com$304.17M3 roles8—
Solarisbanksolarisbank.com$291.15M———
Barmerbarmer.de—6 roles——
FinComparefincompare.de—5 roles50—
finmasfinmas.de—5 roles——
Friendsurance Businessfriendsurancebusiness.com—4 roles86—
Alteosalteos.com—3 roles105—
Orderbirdorderbird.com—3 roles104—
RatePAYratepay.com—3 roles281—
Boerseboerse.de————
EMILemil.de——14Financial figure available in RadarView in Radar
Engel & Volkersev-digitalinvest.de——49—
Finanzflussfinanzfluss.de————
Inzmoinzmo.com——27Financial figure available in RadarView in Radar
Mondumondu.ai——147—
Mossgetmoss.com——26Financial figure available in RadarView in Radar
Vividvivid.money——226—
assonaassona.com——100—
24 featured companies

Locked revenue figures are available in Radar; the eight company financial previews stay the same throughout this page. A dash means the figure is outside these featured lists. Revenue years vary by company; the figures are not a like-for-like revenue comparison. Compare annual accounts ↗

Company discovery

Recorded evidence only
THE KEY SIGNALS

Fintech industry KPIs in Berlin

A few useful ratios bring the size of this ecosystem into perspective.

3 September 2026
Hiring participation11.9%

40 of 335 tracked companies have open roles.

Funding participation35.2%

118 of 335 tracked companies have a recorded round.

Top 3 funding share38.1%

Share of disclosed capital received by the three largest recorded recipients.

Median disclosed round$11.12M

Midpoint of 231 rounds with a disclosed amount.

Scale is concentrated. Opportunity is broader. The three largest funding recipients hold 38.1% of disclosed capital, while 64.8% of tracked companies have no recorded funding round.

Explore the segments →
CAPITAL & COMPANY FORMATION

How Berlin fintech has grown

Recorded company formation and disclosed funding across the complete annual series shown.

Expand panel +
2016 — 2025

Disclosed funding by year

Sum of recorded funding rounds · USD

Berlin fintech
$0$723.22M$1.45B$2.17B$2.89B2016: $158.33M20162017: $189.42M20172018: $487.37M20182019: $909.32M20192020: $547.31M20202021: $2.54B20212022: $812.11M20222023: $471.52M20232024: $459.29M20242025: $612.5M2025
View the numbers
Annual fintech funding and company formation in Berlin
YearFunding (USD)FoundedRaising
2016$158.33M2612
2017$189.42M2521
2018$487.37M2220
2019$909.32M1819
2020$547.31M2317
2021$2.54B3030
2022$812.11M1431
2023$471.52M1216
2024$459.29M1015
2025$612.5M616
WHERE CAPITAL SITS

Funding concentration

Share of all disclosed company funding.

  • N2623.3%
  • Solaris10.0%
  • MODIFI4.8%
  • Other companies61.9%

Funding by stage

293 recorded rounds since 2016

NUMBER OF ROUNDS
Seed & Angel119 40.6%
Series A–B93 31.7%
Series C+ / PE36 12.3%
Grants, debt & other45 15.4%

Recent recorded rounds

Latest recorded rounds · USD
2 rounds

Swipe or scroll horizontally to browse.

Series B05/2026
bunch $35M

Backed by Portage and Illuminate Financial and others.

Seed03/2026
Finperks $4M

Backed by Motive Partners and Seedandspeed.

Largest and notable recorded rounds

Each card is one recorded round
10 cards

Swipe or scroll horizontally to browse.

Series E10/2021
N26n26.com$900M

Backed by Third Point Ventures and Coatue and others.

Series D01/2019
N26n26.com$300M

Backed by Insight Partners and GIC and others.

Series D04/2022
Taxfixtaxfix.de$220M

Backed by Ontario Teachers' Pension Plan and Index Ventures and others.

Series D07/2019
N26n26.com$170M

Backed by Tencent and Allianz X and others.

Series C03/2018
N26n26.com$160M

Backed by Tencent and Allianz X.

THE BUSINESS BEHIND THE ACTIVITY

Revenue, profitability & financial strength

Expand panel +

Annual accounts availability

The measured Germany identity-to-filing probe did not produce a qualifying designated legal or national-ID join: designated German registry identities do not carry the LEI or ISIN used by bundesanzeiger facts; legal-name matching is prohibited.; The measured Germany identity-to-filing probe did not produce a qualifying designated legal or national-ID join: designated German registry identities do not carry the LEI or ISIN used by bundesanzeiger facts; legal-name matching is prohibited.

DIGITAL FOOTPRINT

Web traffic, app reach and release cadence

How the Berlin companies on this page show up online: the sites people visit, the apps they install, and how often those apps ship.

Busiest websites

18 of the 335 companies on this page carry a measured traffic record (5.4%); these are the largest of those, by monthly visits. The median among them is 174,568 visits.

CompanyMonthly visitsAuthorityMobile
N26n26.com3,439,6386358.2%
Raisinraisin.com2,796,8915763.1%
Barmerbarmer.de2,361,8346680.2%
Finanzflussfinanzfluss.de2,173,8555741%
getquingetquin.com958,7253328%
Bonifybonify.de613,4524276.8%
Zastazasta.de301,9583288.9%
mobile business enginembe4.de194,9871898.3%
Afilioafilio.de193,3943580%
SteuerGosteuergo.de155,7424029.1%

Visits and authority are third-party web estimates, not company-reported figures.

Most-installed apps

39 of these companies (11.6%) publish at least one Android app — 53 apps in all, carrying 34.5M installs between them.

AppInstallsRatingStore category
N26 — Love your bankN2611.3M3.3Finance
Taxfix: Tax return for GermanyTaxfix6.4M4.7Finance
My WebIDWebID3.5M2.9Finance
Meine BARMERBarmer3.3M3.3Health & Fitness
Zasta: Super-App für SteuernZasta1.9M—Finance
Vivid Business and PersonalVivid1.6M2.9Finance
RaisinRaisin1.5M—Finance
bonify BonitätsmanagerBonify1.4M3.5Finance
BARMER eCareBarmer605.6K—Health & Fitness
Bling: Taschengeld & FamilieBling481.6K—Finance

Installs are lifetime totals to date at the June 2026 store reading — a measure of reach, not of people using an app today.

App reach by segment

The busiest app inside each of this page’s own segments, with the quarterly release trend behind it (2023Q2–2026Q1).

SegmentAppsInstallsLeading appRelease trend
Banking Tech918.6MN26 — Love your bank 11.3M
Cryptocurrencies211.6MBitwala - Buy Bitcoin & Ether 373K
Finance & Accounting Tech88.8MTaxfix: Tax return for Germany 6.4M
Internet First Insurance Platforms84.5MMeine BARMER 3.3M
Payments194.3MMy WebID 3.5M
Regtech23.7MWebID Wallet 197.1K
Alternative Lending73MRaisin 1.5M
Investment Tech8589.5Kgetquin - Portfolio Tracker 454.9K

A company can carry several segment tags, so these rows overlap and should not be added together. Trend lines are zero-based and share one quarter grid, so a flat line is a quiet segment, not a missing one.

Release cadence by quarter

New apps published, beside apps whose most recent update landed in that quarter — the second bar is how much of the shelf is still being maintained.

2023Q2: 12023Q2: 02023Q22023Q4: 12023Q4: 02023Q42024Q2: 32024Q2: 02024Q22024Q3: 22024Q3: 22024Q32024Q4: 22024Q4: 22024Q42025Q2: 12025Q2: 12025Q22025Q4: 12025Q4: 32025Q42026Q1: 32026Q1: 92026Q1

Darker bars are new releases, lighter bars apps updated. 39 of 53 apps carry a release date. The series ends at 2026Q1, the last quarter that closed before the June 2026 reading.

INSIDE THE INDUSTRY

The Berlin fintech market map

Explore the segments behind the headline numbers.

Expand panel +

Where companies are building

Rank segments by scale, hiring or disclosed funding.

Enterprise tech176
Consumer digital145
Enterprise software89
Nbfc lenders56
Saas46
Marketplaces35
Business payments solutions32
Blockchain in financial services25
Commerce enablers24
Internet first insurers19
Fintech saas18
Online loan comparison platforms16

Companies can sit in several segments. Counts and funding overlap.

SEGMENT TO EXPLORE

Enterprise tech

The largest measured segment in this report snapshot.

176companies
10.8%have hiring activity

19 companies hiring · $5.67B disclosed funding

Explore in Radar

How companies make money

Common revenue models; a company can use more than one.

Subscription212
Commission on transaction206
Fee-for-service77
E-commerce - service69
Lending33
Advertising18
E-commerce - product10
Sponsorship2
THE COMPANIES IN MOTION

Who is listing, hiring leaders, launching and winning work

Recorded corporate activity linked to companies in this landscape.

Expand panel +
Recent corporate headlines 10 dated reports
Funding roundsaazzur.com ↗

"AAZZUR raises £2m to expand embedded finance infrastructure"

Funding roundsmondu.ai ↗

Berlin-based Mondu , a B2B payment solutions provider, has secured a €100 million debt facility from J.P. Morgan Payments to scale its services and support its expansion across European markets.

Funding roundsmuffintech.ai ↗

Enzo’s Seed funding follows comparable early-stage rounds such as muffintech’s €3.5 million Seed and Afori’s €4 million pre-Seed, both in Germany, highlighting strong domestic momentum in the sector.

Mergers & acquisitionssolarisgroup.com ↗

Solaris acquired Sunnova’s O&M and generation portfolio “in exchange for a credit bid of the DIP financing, US$25 million in cash consideration and payment of certain cure costs.”

Mergers & acquisitionstopi.eu ↗

PEAC Solutions has acquired Berlin-based fintech firm topi

Funding roundsre-cap.com ↗

🇩🇪 re:cap expands to UK with €125M credit facility

Mergers & acquisitionsecolytiq.com ↗

Clarity AI, one of the world’s largest and most awarded technology and AI firms in sustainability, today announced the acquisition of ecolytiq.

Funding roundsfriendsurance.com ↗

Round2 Capital invests EUR 7-figure revenue-based financing in Friendsurance, a provider of a digital bancassurance software platform and accompanying services

Mergers & acquisitionsmywage.de ↗

zvoove, the market leading software provider for the temporary staffing, private security, and cleaning industries, today announced the acquisition of mywage, a UK-based provider of payroll, HR, and billing solutions.

Full recorded event mix

Top 10 categories among 169 recorded events in the 24-month window.

Funding rounds
62
Leadership moves
50
Mergers & acquisitions
11
Capital infusions
10
Earnings
9
Contracts
8
Company announcements
6
Layoffs
3
Asset acquisitions
3
Lawsuit
2
6 activity cards

Swipe or scroll horizontally to browse.

Leadership moves

18 tracked people moves

N26 ↗
Mike Dargan

Appointment Chief Executive Officer

N26 ↗
Arnd Schwierholz

Appointment Finance Manager

N26 ↗
Jochen Klö¶pper

Appointment Risk Manager

wealthAPI ↗
Nicola Breyer

Appointment Advisory Board Member (Fintech Manager and Open Finance Expert)

Solaris ↗
Steffen Jentsch

Appointment Chief Executive Officer

Solaris ↗
Carsten Höltkemeyer

Resignation Previously Chief Executive Officer

Solaris ↗
Matthias Heinrich

Appointment Chief Risk Officer

Banxware ↗
Fabian Heiß

Departure Previously Chief Operating Officer

Product launches

Products, platforms and features in the recorded window

Taktile ↗
Fully Customizable AI Agents

AI Agents / Credit Underwriting

Workforce actions

1 companies with reported reductions

Solaris ↗

80 rolesAI transformation

Regulatory events

5 recorded events

N26 ↗

increased capital requirements linked to mortgage businessBaFin

N26 ↗

pending regulatory approvalBaFin

N26 ↗

paused new mortgage lending in the NetherlandsBaFin

N26 ↗

appointed special monitor for remedial measuresBaFin

Litigation

1 tracked suits

Company
Andreas Bittner v solaris

funding round valuation disputeCivil · Ongoing

Mergers and acquisitions

Company-linked deal reports; status is preserved as recorded.

Acquirer → targetStatusDateValue / context
Solaris→sunnovaCompleted2025-09-05$25.0M
peac solutions→Topi ↗Announced2025-08-29Not stated in snapshot
clarity ai→Ecolytiq ↗Announced2025-07-09Not stated in snapshot
zvoove→MyWage ↗Announced2025-07-01Not stated in snapshot
ecclesia group→assona ↗Announced2025-05-14Not stated in snapshot
sbi group→Solaris ↗Announced2025-03-25Not stated in snapshot

A discussion or rumour is not a completed transaction. An unstated value is not zero.

PEOPLE & OPPORTUNITY

The talent market

222 postings in the preceding 12 months. The full 794-posting snapshot covers 47 employers.

Expand panel +

Most advertised job titles

Ausbildung Für Kaufleute Im Gesundheitswesen (M/W/D) 202695
Ausbildung Kaufleute Im Gesundheitswesen (M/W/D)86
Sales Consultant (M/W/D)28
Ausbildung Für Kaufleute Im Gesundheitswesen (M/W/D)23
Ausbildung Als Fachinformatikerin Oder Fachinformatiker Fachrichtung Anwendungsentwicklung (M/W/D) 202611
It Architektin Oder It Architekt (M/W/D) – Content Services Platform & Dokumentenmanagement10
1 internship postings

16 tracked postings mention remote work.

The seniority mix

193 postings specify a level.

unspecified
601
senior
91
manager
71
lead
24
entry
4
intern
3

Skills employers mention

Top skills across 794 tracked postings in the available jobs snapshot.

Python
40
Aws
22
Sql
20
Fastapi
11
React
11
Aws Lambda
10
Dynamodb
10
Typescript
10
Retool
7
Pydantic
7
THE PEOPLE BUILDING THE FIELD

Founders and leaders

257 founders and chief executives across 165 companies.

Expand panel +
12 profiles

Swipe or scroll horizontally to browse.

Education networks

34 profiles with education records.

Harvard Business School
6
Harvard University
6
London School of Economics and Political Science
3
University of Oxford
3
Bocconi University
3
WHU – Otto Beisheim School of Management
3
Technische Universität Berlin
2
University of Pennsylvania
2

Prior employers

19 profiles with prior-work records.

McKinsey
9
Goldman Sachs
2
Boston Consulting Group
2
Google
2
Paypal
1
Facebook
1
Microsoft
1
Apple
1

Profiles cover recorded founders and leaders; contact details remain in Radar.

NEWS INTELLIGENCE

How this industry appears in the news

5,128 articles in the measured 12-month window.

Expand panel +
5,128articles in the measured year
1,261articles in 2026Q1
70.9%positive tone in the latest complete year

News volume trends

Fintech coverage tagged Berlin · articles per complete quarter

06621,3231,9852,6462021Q2: 1,2142021Q22021Q3: 1,3152021Q4: 1,2002022Q1: 1,5322022Q2: 1,4442022Q22022Q3: 1,3332022Q4: 1,2492023Q1: 1,3192023Q2: 1,1202023Q22023Q3: 1,1162023Q4: 1,0592024Q1: 1,5962024Q2: 1,5062024Q22024Q3: 1,4772024Q4: 1,3372025Q1: 2,3012025Q2: 1,5342025Q22025Q3: 1,2512025Q4: 1,2482026Q1: 1,2612026Q1
View quarterly article counts
QuarterArticles
2021Q21,214
2021Q31,315
2021Q41,200
2022Q11,532
2022Q21,444
2022Q31,333
2022Q41,249
2023Q11,319
2023Q21,120
2023Q31,116
2023Q41,059
2024Q11,596
2024Q21,506
2024Q31,477
2024Q41,337
2025Q12,301
2025Q21,534
2025Q31,251
2025Q41,248
2026Q11,261

Article volume measures coverage, not market sales.

Tone of coverage over time

2021
3,153 positive · 45 neutral · 789 negative
2022
4,202 positive · 58 neutral · 1,290 negative
2023
3,600 positive · 51 neutral · 955 negative
2024
4,420 positive · 96 neutral · 1,392 negative
2025
4,488 positive · 66 neutral · 1,777 negative

Leading coverage topics

Fintech coverage tagged Berlin · ranked by full-period article count.

Economic Indicators (Gdp, Cpi, Unemployment)9,746 articles in the full recorded period
1,913 recent · 2,722 prior
Cryptocurrency Impact On Forex Markets8,568 articles in the full recorded period
2,900 recent · 1,518 prior
Interest Rate Decisions And Impacts8,055 articles in the full recorded period
1,450 recent · 1,799 prior
Central Bank Monetary Policy Announcements7,772 articles in the full recorded period
1,334 recent · 1,744 prior
Federal Reserve Policy Meeting Summaries7,657 articles in the full recorded period
1,394 recent · 1,718 prior
Trade Wars And Geopolitical Impacts6,934 articles in the full recorded period
1,823 recent · 2,204 prior
Global Recession Risks And Forecasts5,934 articles in the full recorded period
1,491 recent · 1,972 prior
Global Bond Market Updates5,054 articles in the full recorded period
788 recent · 1,081 prior
European Central Bank (Ecb) Decisions4,538 articles in the full recorded period
726 recent · 939 prior
Quarterly And Annual Financial Results3,536 articles in the full recorded period
1,179 recent · 954 prior

Recent and prior counts use the source comparison windows.

Topics gaining and losing attention

Germany comparison coverage

KeywordRecentPriorChange
commodity futures507247105%
quarterly financials47932448%
earnings report46132144%
financial report44530745%
crude oil prices377100277%
stablecoin fx impact325156108%
decentralized forex266119124%
comex gold analysis24616252%
oil price volatility23984185%
gold spot price20011968%
economic slowdown8151,558-48%
stock price311610-49%
share price170451-62%
trading volume30385-92%
monetary easing217332-35%

Event and signal lenses

Germany comparison coverage

All complete annual cohorts shown
Rising

Regulatory Risk

106,281 classified articles

economic slowdown, stock performance, core inflation

48.2% critical · 35.7% positive
Rising

Funding Momentum

26,077 classified articles

inflation reports fx, currency intervention policies, eur/usd

38.0% critical · 59.6% positive
Rising

Growth

43,490 classified articles

economic slowdown, gdp growth forex, quarterly results

40.1% critical · 42.4% positive

Fintech coverage tagged Berlin. Topic labels describe recorded classifications and can include broad context.

RESEARCH SIGNALS

What Fintech research is working on

13,825 papers in the recorded worldwide scope.

Expand panel +
13,825papers
13,825worldwide comparison pool
—India-affiliated papers

Research orientation

Promising
4,450
Descriptive
3,501
Problem-identifying
3,141
Cautionary
1,411
Breakthrough
754
Comparative
414
Critical
154

Contribution mix

Empirical
8,354
Reviews
2,307
Position pieces
1,635
Methods-led
1,361
Theoretical
168

Tone counts: 12,714 positive · 252 neutral · 859 negative.

Common problems researchers identify
3,295 papers · 23.8% of this field
  • Financial services1,723 papers
  • FinTech1,301 papers
  • Financial inclusion570 papers
  • Payment489 papers
  • Government245 papers
  • Financial literacy205 papers
  • Cryptocurrency201 papers
  • Investment172 papers

Landmark: The digital revolution in financial inclusion: international development in the fintech era

Cautions
1,411 papers · 10.2% of this field
  • Financial services670 papers
  • FinTech538 papers
  • Financial inclusion348 papers
  • Payment283 papers
  • Financial literacy129 papers
  • Mobile payment102 papers
  • Digital currency95 papers
  • Investment91 papers

Landmark: Blockchain Technology in Finance

Opportunities
5,204 papers · 37.6% of this field
  • Financial services2,148 papers
  • FinTech1,839 papers
  • Financial inclusion1,123 papers
  • Financial literacy786 papers
  • Payment749 papers
  • Database transaction382 papers
  • Investment314 papers
  • Mobile payment301 papers

Landmark: On the Fintech Revolution: Interpreting the Forces of Innovation, Disruption, and Transformation in Financial Services

Leading institutions

UNSW Sydney
743
University of Manchester
727
University of York
716
University of the West of England
716
Universidad de Zaragoza
685
Columbia University
667

Leading researchers

Robert J. Kauffman
1,822
Peter Gomber
1,821
Chris Parker
1,821
Bruce W. Weber
1,821
Daniela Gabor
716
Sally Brooks
716
Itay Goldstein
621
Wei Jiang
621

Highly cited breakthrough-labelled papers

  • On the Fintech Revolution: Interpreting the Forces of Innovation, Disruption, and Transformation in Financial Services1,820 citations
  • Intention to use analytical artificial intelligence (AI) in services – the effect of technology readiness and awareness370 citations
  • The FinTech phenomenon: antecedents of financial innovation perceived by the popular press240 citations
  • FinTech ecosystem practices shaping financial inclusion: the case of mobile money in Ghana116 citations
  • CBDC, Fintech and cryptocurrency for financial inclusion and financial stability100 citations

Common problems researchers identify

10,570 papers · 7 recurring themes
7 cards

Swipe or scroll horizontally to browse.

Financial Inclusion ChallengesCommon problems researchers identify · 01

Financial Inclusion Challenges

1,447 papers

24.1% of this theme group

Researchers discuss obstacles to broadening access to financial services through fintech innovations.

FinTech (679) · Financial services (885) · Financial inclusion (269) · Financial innovation (90)

Enriching Financial Inclusion through Fintech

DIGITAL TRANSFORMATION IN THE BANKING SYSTEM: PROSPECTS FOR COOPERATION BETWEEN FINTECH COMPANIES AND BANKS

View research history
YearShare index
2022535.2
2023588.5
2024650.5
20251023.2
Payment System LimitationsCommon problems researchers identify · 02

Payment System Limitations

1,364 papers

22.7% of this theme group

Papers highlight cost, security, and regulatory issues in electronic payment infrastructures.

Payment (1,251) · Payment system (509) · Payment service provider (217) · Settlement (86)

Better than Cash, but Beware the Costs: Electronic Payments Systems and Financial Inclusion in Developing Economies

ISSUES AND CHALLENGES OF ELECTRONIC PAYMENT SYSTEMS

View research history
YearShare index
2022590.9
2023562.2
2024710.5
2025799.0
Mobile Payment Adoption BarriersCommon problems researchers identify · 03

Mobile Payment Adoption Barriers

1,149 papers

19.1% of this theme group

Studies examine factors that hinder user acceptance and deployment of mobile banking solutions.

Mobile payment (869) · Mobile banking (220) · Mobile business development (111) · Mobile phone (135)

User Acceptance Testing of Mobile Payment in Various Scenarios

Exploring Determinants Influencing the Intention to Use Mobile Payment Service

View research history
YearShare index
202277.6
202383.0
202482.8
2025139.8
Credit Card Fraud RisksCommon problems researchers identify · 04

Credit Card Fraud Risks

692 papers

11.5% of this theme group

Works focus on detection difficulties and evolving techniques used in credit card fraud.

Credit card fraud (107) · Credit card (118) · Financial fraud (43) · Computer security (107)

Machine Learning for Credit Card Fraud Detection

Credit Card Fraud Detection and Analysis

View research history
YearShare index
202247.3
202347.0
202447.7
202563.6
Algorithmic Trading ConcernsCommon problems researchers identify · 05

Algorithmic Trading Concerns

585 papers

9.8% of this theme group

Research points to market impact, fairness, and regulatory gaps in high‑frequency trading.

Algorithmic trading (222) · High-frequency trading (148) · Alternative trading system (140) · Insider trading (79)

High-Frequency Trading and Its Impact on Markets

High-Frequency Trading: A Regulatory Strategy

View research history
YearShare index
202219.5
202320.0
202418.3
202531.1
Portfolio Optimization IssuesCommon problems researchers identify · 06

Portfolio Optimization Issues

404 papers

6.7% of this theme group

Authors address complexity, model risk, and data challenges in modern portfolio construction.

Portfolio (386) · Portfolio optimization (163) · Modern portfolio theory (70) · Post-modern portfolio theory (46)

Machine Learning Optimization Algorithms & Portfolio Allocation

Portfolio Optimization: New Challenges and Perspectives

View research history
YearShare index
2022315.6
2023306.6
2024225.8
2025345.9
Money‑Laundering ComplianceCommon problems researchers identify · 07

Money‑Laundering Compliance

359 papers

6.0% of this theme group

Papers explore legal and technical hurdles in detecting and preventing illicit financial flows.

Money laundering (320) · Terrorism (65) · Accounting (54) · Compliance (44)

National and international anti-money laundering law : developing the architecture of criminal justice, regulation and data protection

Balancing anti-money laundering measures and financial inclusion

View research history
YearShare index
20221897.3
20231880.1
20241584.8
20251002.7

Cautions

3,742 papers · 7 recurring themes
7 cards

Swipe or scroll horizontally to browse.

Fintech Inclusion Trade‑offsCautions · 01

Fintech Inclusion Trade‑offs

756 papers

20.2% of this theme group

Cautionary analyses warn about stability and regulatory risks when expanding financial inclusion via fintech.

FinTech (412) · Financial services (449) · Financial inclusion (227) · Financial innovation (65)

The Role of Fintech Technology in Improving Financial Inclusion and Financial System Stability

Advancing Financial Inclusion through FinTech: A Regulatory Insight into Emerging Industry Practices

View research history
YearShare index
2022535.2
2023588.5
2024650.5
20251023.2
High‑Frequency Trading RegulationCautions · 02

High‑Frequency Trading Regulation

579 papers

15.5% of this theme group

Studies critique current reforms and stress the need for stronger oversight of rapid trading.

Algorithmic trading (254) · High-frequency trading (153) · Alternative trading system (102) · Trading strategy (117)

High Frequency Trading and Its Impact on Market Quality

Implementing High Frequency Trading Regulation: A Critical Analysis of Current Reforms

View research history
YearShare index
202219.5
202320.0
202418.3
202531.1
Payment System Policy ShiftsCautions · 03

Payment System Policy Shifts

565 papers

15.1% of this theme group

Research highlights unintended effects of new payment models on consumers and providers.

Payment (536) · Payment system (180) · Reimbursement (36) · Prospective payment system (34)

Hospital response to a new case-based payment system in China: the patient selection effect

Payments transition in India – consumer preferences and policy shifts

View research history
YearShare index
2022598.5
2023567.6
2024714.6
2025803.0
Portfolio Model RiskCautions · 04

Portfolio Model Risk

522 papers

13.9% of this theme group

Works caution against over‑reliance on statistical models that may misrepresent portfolio behavior.

Portfolio (494) · Portfolio optimization (203) · Diversification (105) · Econometrics (109)

Model Risk in Portfolio Optimization

Optimization of portfolio management based on vector autoregression models and multivariate volatility models

View research history
YearShare index
2022318.1
2023308.9
2024228.0
2025346.6
Mobile Money User ExperienceCautions · 05

Mobile Money User Experience

496 papers

13.3% of this theme group

Analyses stress usability and trust issues that can limit mobile money’s impact on inclusion.

Mobile payment (380) · Mobile banking (81) · Payment (228) · Mobile phone (39)

Mobile Money for Financial Inclusion

Understanding user experience of mobile money services in emerging markets

View research history
YearShare index
2022633.6
2023610.5
2024762.5
2025878.6
Financial Fraud Detection LimitsCautions · 06

Financial Fraud Detection Limits

495 papers

13.2% of this theme group

Papers note challenges in applying AI to fraud detection, including bias and data quality.

Accounting (63) · Money laundering (78) · Audit (50) · Credit card fraud (26)

A Review on Financial Fraud Detection using AI and Machine Learning

Use of Machine Learning in Financial Fraud Detection: A Review

View research history
YearShare index
20222207.7
20232190.6
20242016.5
20251778.7
Digital Currency Security RisksCautions · 07

Digital Currency Security Risks

329 papers

8.8% of this theme group

Research warns of cybersecurity and stability concerns surrounding blockchain‑based payment systems.

Digital currency (124) · Blockchain (71) · Cryptocurrency (95) · Currency (78)

Cybersecurity and Blockchain for Secure Financial Transactions: Evaluating, Implementing, and Mitigating Risks of Digital Payments

Public Payment Systems in the Digital Era: Responding to the Financial Stability and Security-related Risks of Cryptocurrencies

View research history
YearShare index
2022801.9
2023842.3
2024890.0
20251127.0

Opportunities

28,937 papers · 7 recurring themes
7 cards

Swipe or scroll horizontally to browse.

Advanced Portfolio OptimizationOpportunities · 01

Advanced Portfolio Optimization

1,697 papers

28.3% of this theme group

Opportunities focus on new mathematical methods to improve multi‑objective portfolio performance.

Portfolio (1,578) · Portfolio optimization (936) · Mathematical optimization (268) · Modern portfolio theory (157)

Application of portfolio optimization

The research on portfolio optimization model and strategy for multiple objectives

View research history
YearShare index
2022371.2
2023354.5
2024252.1
2025358.7
Machine‑Learning Fraud DetectionOpportunities · 02

Machine‑Learning Fraud Detection

1,066 papers

17.8% of this theme group

Studies showcase promising AI techniques for identifying credit card fraud more accurately.

Credit card fraud (265) · Credit card (252) · Financial fraud (77) · Computer security (173)

Credit Card Fraud Detection using Machine Learning Algorithms

Analyzing Credit Card Fraud Detection based on Machine Learning Models

View research history
YearShare index
202247.3
202347.0
202447.7
202563.6
Fintech for Financial LiteracyOpportunities · 03

Fintech for Financial Literacy

778 papers

13.0% of this theme group

Research highlights fintech’s role in educating users and expanding equitable financial access.

FinTech (338) · Financial services (366) · Financial inclusion (210) · Financial literacy (128)

ROLE OF FINTECH IN FINANCIAL INCLUSION

The Role of Financial Technology (FinTech) in Advancing Financial Inclusion and Equity.

View research history
YearShare index
2022535.2
2023588.5
2024650.5
20251023.2
Blockchain‑Enabled PaymentsOpportunities · 04

Blockchain‑Enabled Payments

756 papers

12.6% of this theme group

Papers explore secure, decentralized architectures to modernize digital payment ecosystems.

Payment (623) · Payment system (247) · Database transaction (146) · Payment service provider (64)

Blockchain Based Architecture and Solution for Secure Digital Payment System

Measuring payment system development

View research history
YearShare index
2022733.2
2023686.3
2024781.6
2025930.9
Value‑Added Mobile Payment ServicesOpportunities · 05

Value‑Added Mobile Payment Services

723 papers

12.1% of this theme group

Works examine new features and security models that boost consumer willingness to adopt mobile payments.

Mobile payment (555) · Payment (363) · Mobile banking (87) · Mobile device (52)

Value Added Services and Adoption of Mobile Payments

Exploring Transaction Security on Consumers’ Willingness to Use Mobile Payment by Using the Technology Acceptance Model

View research history
YearShare index
2022633.6
2023610.5
2024762.5
2025878.6
AI‑Driven Algorithmic TradingOpportunities · 06

AI‑Driven Algorithmic Trading

661 papers

11.0% of this theme group

Research presents advanced AI strategies for forecasting and executing high‑frequency trading.

Algorithmic trading (282) · Trading strategy (267) · High-frequency trading (109) · Pairs trade (68)

Algorithmic Trading and Financial Forecasting Using Advanced Artificial Intelligence Methodologies

Foreign exchange trading

View research history
YearShare index
202232.4
202331.8
202425.0
202538.8
Machine‑Learning Credit ScoringOpportunities · 07

Machine‑Learning Credit Scoring

319 papers

5.3% of this theme group

Studies demonstrate improved default prediction using data‑rich machine‑learning models.

Credit risk (96) · Loan (65) · Credit score (19) · Probability of default (13)

Application Analysis of Credit Scoring of Financial Institutions Based on Machine Learning Model

Development Of Credit Scoring Model For Borrowers Using Machine Learning Techniques

View research history
YearShare index
2022254.2
2023254.9
2024182.2
2025261.3

How this field compares with the research baseline

Orientation shares compared with 25,000 papers in the reference sample.

Research orientationThis fieldReference sample
Promising32.2%37.3%
Descriptive25.3%18.1%
Problem-identifying22.7%9.4%
Cautionary10.2%4.4%
Breakthrough5.5%25.9%
Comparative3.0%4.0%
Critical1.1%0.9%

Concerns receiving less research attention

Counts and shares refer to the stated research pool. A low count describes how much of that research is recorded here, not the absence of a real-world concern.

Concern / example paperPapersShareRaised as a problemWorldwide share
Privacy & surveillanceIncentives for Mobile Crowd Sensing: A Survey2,7174.6%857 (31.5%)4.6%
Concentration of compute powerRent Seeking by Low-Latency Traders: Evidence from Trading on Macroeconomic Announcements1020.17%50 (49.0%)0.17%
Bias & fairnessSocietal bias reinforcement through machine learning: a credit scoring perspective830.14%31 (37.3%)0.14%
Labour & data workMobile Money Taxation and Informal Workers: Evidence from Ghana’s E-Levy600.1%26 (43.3%)0.1%
Safety & misuseThe EU Response to Criminal Misuse of Cryptocurrencies: The Young, already Outdated 5th Anti-Money Laundering Directive500.08%21 (42.0%)0.08%
Energy & datacenter footprintAn integrated model of financial technology adoption and environmental performance: The role of green innovation290.05%5 (17.2%)0.05%
Hardware, e-waste & supply chainMobile Phone Repair as a Strategy for Reducing E-Waste, Enhancing Data Privacy, and Promoting Digital Sustainability in 30.01%0 (0.0%)0.01%
Carbon & emissions of computeRethinking portfolio design with sustainable AI and FinTech: dynamic spillovers in a quantile–frequency framework10.0%0 (0.0%)0.0%
Water use00.0%0 (%)0.0%

Institution and researcher rankings use citations to their covered work. Research scope: worldwide. This may be broader than the company geography.

UNDERSTAND THE LANDSCAPE

Fintech in Berlin: key questions

Clear definitions for making better comparisons.

What does this landscape measure?

It measures the tracked company ecosystem, recorded funding, hiring and other available evidence. It is not a market-size estimate.

Can segment counts be added together?

No. A company can belong to several segments, so segment counts and funding can overlap.

What does a missing figure mean?

A dash or unavailable panel means the current reviewed source snapshot does not support that figure.

KEEP EXPLORING

Put Berlin in context

All landscapes ↗

Company ecosystem snapshot: 3 September 2026. Funding is recorded in USD; filed accounts retain their stated currency and reporting basis. Each section identifies its own coverage. The news and research behind these sections is explorable in Prism.

Canonical landscape ↗
Coming soon