Key facts
- 90% of UK fintech leaders plan to increase investment and hiring in the UK over the next three years.
- 46% of fintech leaders believe the UK risks falling behind on AI and digital infrastructure.
- 43% of fintech leaders cited regulatory clarity and speed as a concern.
- UK fintech investment fell to £8 billion in 2025, a five-year low, according to KPMG.
- The UK remained Europe's leading fintech market in 2025, attracting over a third of total EMEA funding.
- Revolut raised £2.2 billion in November 2025, the largest fintech deal in Europe outside the UK.
Fintech leaders are ready to invest in the UK, with 90% indicating their businesses are likely to increase investment and hiring over the next three years, according to a survey by Censuswide for Chatsworth Communications. Additionally, 78% expressed confidence that the new Prime Minister would foster a supportive environment for the sector.
However, this optimism is tempered by concerns. Almost half of the surveyed leaders (46%) believe the UK risks falling behind other fintech hubs in areas such as AI and digital infrastructure. Another 43% highlighted regulatory clarity and speed as a potential weakness. Access to specialist talent, tax competitiveness, public markets, and growth capital were also cited as significant factors.
Data from KPMG indicates that investment in the UK's fintech sector decreased to £8 billion in 2025, reaching a five-year low. Despite this decline, the UK maintained its position as the leading fintech market in Europe, attracting more funding than several other major markets combined. The largest fintech deal in Europe outside the UK in 2025 was Revolut's £2.2 billion fundraising round.
Innovate Finance's report presented a different picture, showing UK fintech investment at $3.6 billion in 2025, a slight increase from the previous year but still significantly below 2023 levels. The report attributed the UK's strong global ranking, second only to the United States, to a broader and more diversified investment landscape, with 534 deals compared to India's 253.