Lithuania's Fintech Overview 2025-2026

From Launchpad to a Base for Scale

Over the past decade, Lithuania has built the regulatory expertise, market credibility, and operational foundations needed to support established fintech businesses. That foundation is now translating into scale, deeper capabilities, and long-term market confidence.

Lithuania’s fintech ecosystem is moving into a more mature stage of growth. In 2025, the total number of companies operating in the market edged down slightly, but the sector’s talent base remained robust, with nearly 8,000 professionals across the ecosystem. Rising average team size also signals a clear shift: growth is increasingly driven not by the number of firms alone, but by the strength, scale, and resilience of the businesses being built in Lithuania.

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The insights presented in this overview draw on unique data collected by Invest Lithuania – a structured dataset capturing the composition, growth, and operational scale of fintech companies operating within the Lithuanian ecosystem.

Methodology

Our methodology combined desk research with an online survey of fintech companies operating in Lithuania. At the end of 2025, we identified 248 registered and active fintechs operating in the country. Desk research provided data on their location, revenue, and business activities, while 62 companies participated in the survey, offering additional insights into operations, talent, funding, and future prospects.

Lithuania's Fintech at a Glance

1st in the EU

by number of fintech licenses issued, making Lithuania the bloc’s largest fintech hub

Around 40M

EU customers served by fintechs licensed in Lithuania

248

fintech companies operating in the country, with 7.8k people employed in the fintech sector

Strategic direction

Lithuania’s fintech ecosystem is evolving with greater emphasis on resilience, diversification, and value creation. This direction is reflected across key institutions – including Invest Lithuania, the Ministry of Finance, and the Bank of Lithuania – and supports the development of a fintech sector built not only for growth, but for long-term sustainability.

Lithuania's Fintech Landscape 2025

The strength of Lithuania’s fintech ecosystem is no longer measured by company count alone. Talent growth across the sector highlights deeper capabilities and continued strength in Lithuania’s fintech talent base. The latest figures also point to a natural phase of consolidation and a stronger focus on resilience and sustainable growth.

In Lithuania, the assets of specialised banks reached EUR 1.665 billion in the third quarter of 2025 – 182% higher than at the end of 2022. By the end of 2025, the value of payments processed by electronic money and payment institutions had increased by 60% compared to 2022, reaching €166 billion. Over the same period, the amount invested via Lithuanian crowdfunding platforms grew by 74%, reaching €280 million. This growth highlights that the fintech sector is expanding not only in size but also in depth and economic significance.

Greta Ranonytė

Head of Lithuanian Fintech Association

Lithuanian fintech sector growth

Number of companies and employees, 2017–2025

Number of Fintechs

Number of Employees

Source: Lithuania's Fintech Overview 2025-2026, Invest Lithuania

The main advantages of operating in Lithuania, according to fintechs

Lithuania’s competitive advantage as a fintech location continues to rest on a combination of EU market access, a strong local talent base, and advanced digital infrastructure – factors that matter most to companies building and scaling regulated financial services.

Source: Lithuania's Fintech Overview 2025-2026, Invest Lithuania

Key Takeaways

In 2025, Lithuania’s fintech sector reflects a clear shift from rapid expansion to structural maturity.

77%

of fintechs in Lithuania plan to expand their teams in 2026

A decade in, Lithuania’s fintech sector is defined by its depth of expertise. A talent pool of nearly 8,000 professionals has driven average company size up by a third over the past five years.

+1/3

average company size up by a third over the past five years

With 9 dedicated fintech study pathways across universities and colleges, Lithuania is actively building the next generation of fintech talent

With sector revenue having grown almost fourfold between 2020 and 2024, and growth expectations remaining robust, Lithuania’s fintech sector continues to perform strongly.

65%

of Lithuanian fintechs anticipate revenue growth of at least 10% in 2026

32%

expect growth of 50% or more

Growing M&A activity points to increasing strategic interest in fintech companies operating in Lithuania. It suggests confidence in the sector’s long-term potential and in the value of the businesses being built here. As more globally competitive solutions are developed locally, Lithuanian fintech companies are becoming more attractive to investors and strategic buyers for their capabilities, efficiency, and ability to scale.

Checkout.com acquires Blue EMI, a licensed issuer of euro stablecoins, and establishes Lithuania Technology Centre

Ebury acquires ArcaPay to increase competition in the Baltics Corporate Banking Sector

The real insights are in the details

Connect with Invest Lithuania’s fintech experts to get the full Lithuania Fintech Overview 2025–2026.

Fintech Talent in Lithuania

Lithuania’s fintech workforce is the product of nearly a decade of ecosystem development – including compliance professionals, regulatory specialists, and technical teams that have grown within a complex, EU-regulated environment. This accumulated expertise is now one of the sector’s most durable strengths.

Total and average number of employees across the sector

Total headcount and average per company, 2017–2025

Total number of employees

Average number of employees

Source: Lithuania's Fintech Overview 2025-2026, Invest Lithuania

The talent behind modern banking

Lithuania’s talent has developed deep competencies in fields rapidly becoming central to modern banking, backed by an established pipeline of qualified professionals.

78K

ICT specialists

14K

compliance and risk management specialists

Diversity that drives ambition

Lithuania’s fintech workforce stands out not only for its capabilities, but also for its composition – in terms of age, international make-up, and share of women.

87%

of employees are under 45

58%

of companies employ international staff in their Lithuanian office

48%

of employees are women

Building Lithuania's Fintech Community

Lithuania’s fintech community is genuinely global and functionally diverse. Across payments, neobanking, investing, BaaS and more, the breadth of companies operating in Lithuania reflects a mature, full-spectrum ecosystem – one that attracts global leaders and produces its own.

Source: Go Vilnius

Where Lithuania's fintech ecosystem is taking shape

Vilnius

231

fintechs

Kaunas

fintechs

Klaipėda

fintechs

Newcomers

Fintechs that have recently established presence in Lithuania.

Growth and expansion-stage companies

Lithuania offers the talent, infrastructure, and cross-border connectivity these companies need as they grow their teams.

Established names

Global players that have made Lithuania a strategic base for serving European and international markets.

Lithuanian fintechs

Born in Lithuania, these companies are building globally competitive products.

When we launched in Lithuania in 2017, we were a young challenger with big ambitions. Today, Revolut is one of Europe’s largest banks, and Lithuania has been with us during that journey. The ecosystem here has grown alongside us, supported by a progressive regulatory framework and great fintech talent.

Joe Jeneghan

CEO of Revolut Bank, EEA

As a homegrown fintech, we’re proof that Lithuania not only attracts international players, but also produces them. In just two years, we’ve secured €7 million in funding and launched Europe’s first DLT-based trading and settlement system. Lithuania gave us the regulatory framework and the ambition to build capital markets infrastructure for all of Europe.

Marius Jurgilas

CEO of Axiology

As Shift4 scales across Europe, we require strong technology hubs that can understand and support multiple markets simultaneously. Our Vilnius office is Shift4’s largest European tech center. Lithuania offers the talent, infrastructure, and regulatory clarity that make rapid, cross-border expansion possible.

Tadas Vizgirda

CEO at Shift4 Payments Lithuania

The Bank of Lithuania: shaping a fintech ecosystem

Underpinning the shift towards ecosystem sustainability is the Bank of Lithuania. As the country’s supervisory authority, it plays a proactive role in supporting fintech through a range of initiatives and easy-to-use digital infrastructure.

The Newcomer Programme

The Newcomer Programme provides a one-stop consultation service for companies seeking financial licences in Lithuania, ensuring clarity and speed throughout the licensing process.

The Regulatory Sandbox

The Regulatory Sandbox enables firms to test financial innovations in a live environment under the supervision and guidance of the BoL, reducing regulatory uncertainty while accelerating market entry.

CENTROlink

CENTROlink, the BoL’s 24/7/365 payment system, offers direct technical access to the Single Euro Payments Area (SEPA) for payment and electronic money institutions licensed in the European Economic Area (EEA), strengthening Lithuania’s position as a gateway to the EU market.

Lithuania’s fintech sector has grown into a mature ecosystem. Today, success is measured not only by the number of market participants, but also by the sector’s ability to innovate quickly yet responsibly, manage risks effectively, and create lasting value for consumers and the economy. At the Bank of Lithuania, we contribute to these conditions through clear supervision, openness to innovation, and a practical, forward-looking approach.

Marius Skuodis

Board member of the Bank of Lithuania

Ready to scale your fintech?

Lithuania offers more than regulatory innovation. It offers a proven environment where fintech companies grow from launch to market leadership. Access funding networks, connect with experienced founders, and tap into a talent pool built for scale.

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Charts and insights

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Lithuania's Fintech Overview 2025-2026

From Launchpad to a Base for Scale

Lithuania's Fintech at a Glance

Strategic direction

Lithuania's Fintech Landscape 2025

Lithuanian fintech sector growth

The main advantages of operating in Lithuania, according to fintechs

Key Takeaways

The real insights are in the details

Fintech Talent in Lithuania

Total and average number of employees across the sector

The talent behind modern banking

Diversity that drives ambition

Building Lithuania's Fintech Community

Where Lithuania's fintech ecosystem is taking shape

The Bank of Lithuania: shaping a fintech ecosystem

Ready to scale your fintech?

Charts and insights

Total and average number of employees across the sector

Number of fintechs in Lithuania

The main functions of fintechs in Lithuania

Fintechs in Lithuania by core business activity

Key trends