The European financial landscape, like its French counterpart, is experiencing an unprecedented wave of innovation, driven by the meteoric rise of FinTechs. While France already has 1,145 innovative players, as shown by the 2024 panorama from France FinTech and Bpifrance, this dynamic is echoed across the continent, where thousands of startups and established companies are seeking to transform traditional financial services. Across Europe, these players face the same major challenges: constantly evolving regulations, fierce competition and the pressure to grow rapidly. In this context, technology enablers such as Treezor, a pioneer in Banking-as-a-Service (BaaS) with its white-label payment solutions, play a crucial role by enabling companies to deploy their innovative offerings with agility while optimizing their costs and simplifying the management of the regulatory complexities inherent in the European financial environment.
Treezor: strategic partner of Fintechs and businesses
Founded in 2016 and a pioneer of Banking-as-a-Service (BaaS) in France, Treezor is a regulated fintech, approved as an electronic money institution by the ACPR (the French Prudential Supervision and Resolution Authority). Thanks to its direct presence on the Italian, Spanish and German markets and its European passport obtained from the regulator, Treezor is authorized to offer its payment services in 25 countries, facilitating the expansion of its customers across Europe. As a core member of international card networks like Mastercard, Treezor guarantees wide acceptance and global issuance capabilities.
Since its acquisition by the Societe Generale group in 2019, Treezor has consolidated its position as European leader in BaaS. The Treezor platform demonstrates its robustness and its capacity to manage large volumes, having processed cumulative flows exceeding 100 billion euros and issued more than 6.5 million cards since its creation.
At the heart of its offering is embedded finance. Treezor allows any type of business to seamlessly and invisibly integrate payment services via API directly into their own products. Companies can thus create new user experiences, develop new revenue streams and strengthen customer loyalty, all under their own brand
Beyond technology, Treezor brings its regulatory and security expertise. It supports its clients in managing complex requirements such as customer knowledge (KYC/KYB) and the fight against money laundering and the financing of terrorism (AML/CFT), thus reducing their compliance burden. Transaction security is a key priority; Treezor relies on proven processes and benefits from the latest market innovations to protect its business and that of its clients. Treezor thus positions itself as a true accelerator for a varied clientele, whether unregulated companies wishing to launch financial services or already approved establishments seeking to modernize or expand their offering.
Its success in supporting several European payment unicorns has earned it the recognized nickname of “Unicorn farmer”, demonstrating its ability to support the ambitions of the most innovative players in the market. By choosing Treezor, companies secure a solid technological and regulatory partner to confidently scale their business.
The challenges of a rapidly changing financial ecosystem
The spectacular rise of fintechs and the accelerated digitalization of financial services since the 2010s have created an extremely dynamic and innovative ecosystem. However, this flurry of activity comes with considerable challenges that all stakeholders must address to ensure their sustainability and growth.
Complex regulations
The financial sector is one of the most regulated. Far from stabilizing, the European and national regulatory framework is continuing to expand and become more complex. Major texts such as the Payment Services Directive (PSD2 and PSD3), imposing Open Banking and strong authentication (SCA), the General Data Protection Regulation (GDPR), or even the increasingly stringent requirements regarding Anti Money Laundering and Combatting the Financing of Terrorism (AML/CFT) – requiring robust Know Your Customer/Know Your Business (KYC/KYB) processes and continuous transaction monitoring – represent a significant burden. Ensuring strict compliance requires constant monitoring, significant technological and human investments and in-depth expertise. This complexity can hamper innovation if not managed effectively.
Cybersecurity: an evolving threat
Being natively digital and handling sensitive data (financial and personal), fintechs and platforms offering financial services are prime targets for cybercrime. Threats are constantly evolving: increasingly sophisticated phishing attempts, ransomware, etc. Maintaining a robust security posture is therefore non-negotiable and represents constant investment.
A competitive environment:
The success of the first fintechs has attracted many new players, creating fierce competition within this ecosystem. At the same time, traditional banks and financial institutions, after a period of observation, are responding by developing their own competing digital offerings or modernizing their systems. In addition, the threat of technology giants (Big Tech) gradually integrating financial services adds another dimension to the competition. In this context, differentiation, the quality of the customer experience and time-to-market are crucial.
Navigating this complex environment therefore requires agility, expertise and solid technological and regulatory foundations. This is precisely where partners like Treezor come in, absorbing some of this complexity to allow their clients to focus on innovation and development.
The Treezor platform: Comprehensive solutions for financial innovation
Faced with this ecosystem’s challenges, Treezor provides a concrete response by providing a comprehensive technological and regulatory platform.
Designed via a modular approach, it allows fintechs and established companies to select and assemble the financial services building blocks they need to build their offers, all in white label.
By relying on a unique, modular and API-first platform, Treezor allows its customers to build innovative financial pathways to considerably reduce their time-to-market and rapidly expand their business in Europe.