Europe's startup ecosystem isn't in a traditional recovery — venture capital has undergone a structural rotation. In this H1 2026 review, Jörn Menninger analyzes how funding, transactions, and policy shifted across Germany, Austria, and Switzerland, and what the repricing of capital means for fintech and financial-services startups.

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Why this matters for fintech: When capital reprices, fintech feels it first: funding rounds, banking-partnership economics, and exit windows all move. This review frames where fintech sits in the new European capital stack.

In this episode, we cover:

• Why H1 2026 is a structural rotation, not a recovery
• How funding and major transactions shifted across DACH
• What the repricing means for fintech fundraising and valuations
• Policy and capital-markets signals for financial-services startups
• Where fintech fits in the new European venture stack

Related fintech episodes: Fintech and Finance Review 2025: AI Risk Bec · DACH October 2025 Deep Dive: AI Startups, Ve.

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