SEPA

Serbia Builds Fintech Capacity Through Technology, Payments and European Integration

Serbia is developing the technological and financial infrastructure needed to support a larger fintech industry, with €4.552 billion in ICT service exports in 2025, expanding digital banking use, instant-payment infrastructure and deeper integration with European payment systems. The country is unlikely to replicate the fintech models of London, Berlin or Vilnius. Its domestic market is smaller, its venture-capital environment is less mature, and established banks continue to dominate financial services. Instead, Serbia is building an ecosystem oriented toward financial technology…