‘The true barrier to entry is scale’: Inside the new frontier of European fintech’s AI arms race
THE SO WHAT
If the moat in European fintech shifts from licenses and UX to proprietary transactional models trained on billions of events, sub-scale players get structurally priced out of AI-native risk and fraud. Early signal: if you don’t own or aggregate unique transaction exhaust, you’re a distribution layer for whoever does.
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