How does FOMO distort fintech investment cycles? When innovation is rapid, uncertainty is high, and narratives spread faster than fundamentals, traditional market discipline breaks down. Fintech investing is especially exposed to FOMO. Valuations can detach from KPIs, capital clusters into the same subsectors, and fundraising timelines compress as investors rush to avoid missing the next “must-own” trend.

European political instability is no longer just a macro headline, it is actively reshaping fintech valuations, VC strategies, and exit routes. In this presentation, we analyze how regulatory uncertainty, higher interest rates, and geopolitical fragmentation across Europe are accelerating fintech consolidation, pushing investors toward compliance-ready models and making M&A the dominant exit path. From MiCA and DORA to Brexit and the French political crisis, the data shows a

Challenges, Alternative Methods, and StoneCo Case Study Fintechs are reshaping the financial landscape, from neobanks and lending...