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Technology

Fintech’s next crisis won’t come from funding: It’s compliance

Published 25 February, 2026


The fintech industry is celebrating its recovery over the past couple of years, but its next crisis will come from compliance failures at scale, not funding 🚨

Patrice Mesnier’s piece in Finextra examines why regtech has become essential infrastructure. With global regulatory fines reaching $19.3 billion in 2024 and even well-funded players like Monzo facing multi-million-dollar penalties in recent years, manual compliance processes are showing telltale signs of creaking and breaking.

Founders consistently underestimate regulatory complexity and optimise instead for growth metrics, even as compliance infrastructure crumbles beneath them. Forget slick interfaces. The companies that survive will be those with robust, scalable compliance systems.

Regtech determines the existence of the next generation of fintechs.

Read the full article here: 
https://www.finextra.com/the-long-read/1581/fintechs-next-crisis-wont-come-from-funding-its-compliance
 
Quotes from Oldenburg

"The next fintech crisis won't come from dried-up funding rounds or rising interest rates. It will materialise from regulatory compliance failures at scale, and the warning signs are already visible.”

"Companies that successfully navigate regulatory approval create substantial competitive advantages because regulatory credibility with the FCA and its European counterparts, alongside banking partners and institutional counterparties, requires months of intensive scrutiny. Competitors cannot simply replicate product features; they must undertake the entire compliance journey independently”

— Patrice Mesnier, Founding Partner