爱尔兰金融科技格局

A report powered by PitchBook data Contents Introduction3 Market Snapshot5 Outlook8 A Message from Enterprise Ireland10 Enterprise Ireland Global Fintech Team12 Connect with Irish Innovation14 Sources and References15 Introduction At the outset of 2025, Irish fintech is thriving within the broaderfinancial services ecosystem. The fintech subsegment has enjoyed multiplefavourable drivers, having weathered many global trading shocks includingthe global financial crisis (GFC) and Brexit. Chief factors include: A bedrock of steadfast government supportvia broad strategic programmes, regulatoryframeworks, and investment:From the launchof the IFS2020 strategy in 2015—and itsrecent IFS2025 update—to promote Ireland’sfinancial services sector, to the 2018 CentralBank of Ireland’s Innovation Hub establishment,to the National Payments Strategy in 2024, theIrish government has established a welcomingoperating framework for fintech playersand investors. Ireland hosted multiple majorfinancial services companies in precedingdecades, while that sector steadily grew, butin the past decade the embrace of fintech hasaccelerated and deepened. and funds active across the entire Irishtechnology landscape. For example, EnterpriseIreland, which works with over 200 Irish-born fintech, financial, or related businessservices companies, has invested over €90million in this portfolio, which has helped thosecompanies generate more than €600 millionin research & development (R&D) from 2018to 2023 alone. Beyond direct investment,Enterprise Ireland and other governmententities enable collaborations with academia,partnerships with financial services giants,and the Central Bank-fostered InnovationHub and regulatory sandbox. Ireland’s fintechsector thrives on a robust workforce, fuelledby top-tier graduates from industry-aligneduniversity programmes. Domestic investment and strategic support:Key players like the Ireland StrategicInvestment Fund and Enterprise Ireland—the latter of which is investing from a €250million Seed & Venture Capital Scheme overthe next four years and through it’s HighPotential Start-Up Unit—have backed fintechs Favourable economic factors post-GFCand post-Brexit, despite global tradeuncertainties:The Central Bank of Irelandforecasts Modified Domestic Demand (MDD)growth of 2.7% for 2025, slightly below the Enterprise Ireland isthe3rd most activeinvestorin fintech inEurope. Enterprise Irelandhas invested over€90 millionin over200 Irish-born fintech,financial, or relatedbusiness servicescompanies. Ireland now hosts over400 global financial firms,including half of the top 50banks, while firms within thecountry administer fundsexceeding €4.5 trillion. estimated 3% growth for 2024, reflectinga cautious outlook due to global tradeuncertainties. This modest slowdown contrastswith 2024’s stronger performance, particularlythe 4.1% MDD growth in Q3 2024.1The Irishfinancial services sector employs over 120,000people across more than 8,800 companies.2That growth rate has also occurred duringa significant net immigration influx, especiallypost-Brexit. In 2022, the Irish populationexceeded 5 million for the first time since1851, while employment permits have grownsubstantially in the past few years.3Moreover,public finances remain sound, with a surplus of4.4% of GDP last year—in contrast to manyother developed nations. tech giants like Google, Meta, and Applecreate a strong foundation for fintechgrowth. As a result, Ireland now hosts over400 global financial firms, including half of thetop 50 banks,4while firms within the countryadminister funds exceeding €4.5 trillion.5Anecdotally, Ireland’s geographic positionand English-speaking population have alsomade it an attractive base for access to andoperations within the EU single market. A welcoming business environment: Ireland’s pro-business environment and R&Dtax credits, plus IP treatment and EU access,have been key attractors—even thoughongoing and evolving regulatory schemeslike MiCA or DORA require adaptation, andAI integration is still actively developing.Consequently, the Irish fintech ecosystem isgaining more clarity around pressing questionsfor standards, security, and more. These factors have driven robust growthin Ireland’s cluster of homegrown fintechcompanies, positioning the country as aglobal hub for financial innovation. Thecluster’s strength lies in its focus on cutting-edge solutions in areas such as regulatorycompliance, payments, embedded financeofferings, funds and specialised investmentsolutions, ESG and insurance tech—cateringto a digital-first world. Broader tech corporate sector and digitalinfrastructure:Ireland’s advanced digitalinfrastructure and status as a hub for major Enterprise Irelandfintech clientshave invested over€600 million in R&Dbetween 2018 and2023. Ireland is home to over400 global financialfirms, including halfof the top 50 banks,with firms managingfunds exceeding€4.5 trillion. Market Snapshot While global VC inves