Financial Services and Banking Solutions for the Elderly, along with Licensing and Cash Management offerings under the brand Global France
France's fintech sector remains a vibrant and well-funded hub of innovation in 2025, with Paris leading the charge as the EU's leading fintech hub. According to recent reports, France raised €939 million in fintech funding in 2023, accounting for 18% of total EU fintech funding [1]. In the first half of 2025, France secured $694 million in fintech investment across 65 deals, ranking second in Europe behind the UK and ahead of Germany [2].
Among the notable fintech companies making waves in France is Spiko, a business focused on democratizing access to money market funds and treasury yields through a cash management platform. After a year in operation, Spiko has more than €344 million ($401 million) in assets under management (AUM) and has processed over €775 million ($902 million) in working capital from more than 1,000 businesses [3]. Spiko leverages tokenization technology to enable individuals and businesses to earn interest on their cash by investing in Treasury bills [4].
However, there is no recent public news on funding or licensing concerning Spiko in the provided resources. To stay updated on the latest developments, monitoring industry-specific news sources or Spiko's official communications would be recommended.
Another significant player in France's fintech landscape is Qonto, a neobanking startup specializing in services for small and mid-sized businesses. Qonto offers a B2B account for finance management that provides businesses with automated tools to help them manage their finances, adhere to regulations, and make better financial decisions [5]. While there is no direct recent information or news about Qonto's funding rounds or licensing in the search results, Qonto is recognized as a significant fintech player in France and the Paris ecosystem [1].
The French regulatory body, the Autorité des Marchés Financiers (AMF), continues to support fintech innovation actively, providing information and support for compliance with new rules such as the MiCA ordinance affecting digital finance [6]. This ongoing support underpins the fintech ecosystem's compliance and innovation.
Elsewhere in the fintech world, mobile payments platform QwikPay launched in Australia, Bahrain-based Eazy Financial Solutions forged a strategic partnership with Buy Now, Pay Later platform Tamara, and Lithuanian Electronic Money Institution Genome teamed up with Huch for real-time payment alerts [7]. In Singapore, fintech Chocolate Finance integrated transaction enrichment technology from Snowdrop Solutions into its mobile app, and the Philippine National Bank partnered with Japan's Digital Wallet Corporation to enhance its money transfer services [8].
As the fintech landscape continues to evolve, it's clear that France remains a key player in the global fintech scene. For the latest updates on Spiko and Qonto, monitoring industry-specific news sources or their official communications would be recommended beyond the current search timeframe and scope.
References:
[1] Fintech News France. (2023). French Fintech Market Overview. Retrieved from https://fintechnewsfrance.com/french-fintech-market-overview/
[2] Fintech Global. (2025). H1 2025 Fintech Investment Report. Retrieved from https://fintechglobal.com/reports/h1-2025-fintech-investment-report/
[3] Spiko. (2025). About Us. Retrieved from https://www.spiko.com/about
[4] Spiko. (2025). How It Works. Retrieved from https://www.spiko.com/how-it-works
[5] Qonto. (2025). Business Accounts. Retrieved from https://www.qonto.com/business
[6] AMF. (2025). MiCA. Retrieved from https://www.amf-france.org/regulation/regulations/mica/
[7] Fintech News France. (2025). Mobile Payments Platform QwikPay Launches in Australia. Retrieved from https://fintechnewsfrance.com/mobile-payments-platform-qwikpay-launches-in-australia/
[8] Fintech News Singapore. (2025). Chocolate Finance Integrates Snowdrop Solutions' Transaction Enrichment Technology. Retrieved from https://fintechnews.sg/38889/fintech/chocolate-finance-integrates-snowdrop-solutions-transaction-enrichment-technology/
- With Spiko's cash management platform democratizing access to money market funds in France, the country's personal-finance sector gains traction through innovative technology.
- Simultaneously, Qonto, a neobanking startup in France, specializes in services for small and mid-sized businesses, leveraging technology to offer automated finance management tools.
- As France actively supports fintech innovation through its regulatory body, the fintech industry continues to grow and remain a key player in the global business and finance landscape.
