Fintech/Analysis/ The best of Sifted: Fintech 2019 has been about more than just mega-fundraisings in the fintech space. Here are Sifted's must-reads of the year. By Marie Mawad in Paris 27 December 2019 \Fintech 'The time is now': Monzo searches for US CEO to double down on expansion By Amy O'Brien 9 February 2023 Fintech/Analysis/ The best of Sifted: Fintech 2019 has been about more than just mega-fundraisings in the fintech space. Here are Sifted's must-reads of the year. By Marie Mawad in Paris 27 December 2019 With whopping funding rounds and several new unicorns born, Europe’s fintech startups raised more than €9bn in 2019, according to data from Dealroom. It’s not just the money that has been grabbing attention though, this year fintechs across the region expanded to younger audiences, chased clients on their US rivals’ home turf and popped up in unexpected places, showing potential for the European ecosystem well beyond London. Here are seven fintech must-reads from Sifted in 2019, to recap some of the year’s highlights. 1. Europe’s digital banks are taking on the US Monzo, N26 and Revolut are chasing the US market. We took a dive into their strategies to compare and contrast. 2. The biggest raises this year Which European fintechs are pulling in the most money and who are their investors? 3. Europe is strong at fintech innovation, Revolut’s Storonsky says The US may be a more developed market for almost all areas of startups and tech, but not fintech, says Revolut founder Nikolay Storonsky. He says Europe is winning the fintech innovation battle. 4. How Lithuania became a mecca for fintech The UK is often named Europe’s fintech capital, but Lithuania seems to be after that title. 5. Is it time for the “Spotify of banking”? A big “rebundling” in fintech has been predicted for some time, similar to what happened in the music industry. Is it beginning? 6. Generation Z is the new target Generation Z, defined as those born after 1996, represents both a lucrative and under-served market for fintech startups. 7. Meet the fintech startups born out of a financial crisis When a financial crisis hits town it may be the perfect timing to kick-off your startup. This definitely proved true in Iceland. Related Articles 2020 Vision: predictions from 28 big-hitters in Europe’s startup scene By Sifted reporters Click here to read more European fintech weekly: After a last-minute fundraise, what lies ahead for Zopa and its lending peers By Isabel Woodford Click here to read more Digital banks Monzo, Revolut, Starling and N26 compared By Isabel Woodford and Kim Darrah Click here to read more Most Read 1 \Healthtech Is Daniel Ek’s new body scanner worth the hype? Sifted tried it out 2 \Venture Capital VC diversity needs to change — and white men need to take responsibility 3 \Venture Capital New €3.75bn European Investment Fund pot to back late-stage VCs 4 \Sustainability Counteract closes £15m fund for carbon removal solutions 5 \Mobility Was the $5bn that VCs plugged into escooters worth it?