We are where the future is born. Kochański & Partners once again on the Map of Polish Fintech
From paying for your morning coffee with your phone to quick online applications and loans and smart home budget management in an app, the future is here. What sounded like science fiction a decade ago is now our everyday reality. This is being driven by fintech, one of the fastest-growing sectors of the economy. In this industry, one innovation follows another, with new technologies paving the way for further revolutions. And Poland is one of its European leaders.
However, it is also a world full of challenges, complex regulations and ongoing questions about security.
This is why the Map of Polish Fintech was created. This annual report serves as a compass on this fascinating yet demanding journey. Its authors, the Cashless.pl website team, identify leaders, analyse trends and demonstrate who is truly shaping the future of finance in Poland.
For another year running, we have found ourselves among this elite group.
We are a partner of Polish fintech companies
The Polish fintech market is in excellent shape:
- 383 innovative companies in 2025 (15 more than last year)
- This figure has more than doubled since the first edition of the map in 2018
- 86% of companies achieve a positive financial result, the best result in the report’s history
The vast majority specialise in payment solutions and software development for the financial and banking sectors. As the authors point out, this is the best evidence of the extensive opportunities for collaboration between the seemingly separate sectors of payments, banking, and technology.
Moreover, these areas stimulate one another, with their progressive development generating new potential and partnerships. This creates an environment that fosters innovative solutions, and not only financial ones.
This mature, stable and increasingly professional ecosystem attracts talent and capital.
However, it also requires effective lawyers who can skilfully navigate through the challenges of digital payments, tokenisation, artificial intelligence and international expansion, such as compliance with Polish and European regulations, the secure implementation of technology, data protection and transfer, licensing, and much more.
Our presence on the Map of Polish Fintech proves that we are an integral part of this ecosystem.
We can feel its rhythm, we know its key players and provide them with real support.
What does this mean for our Clients?
- We speak the language of the industry: As many as 66% of Polish fintech companies offer their services to businesses. We understand the specifics of these relationships, sales cycles and the challenges of creating value for other businesses
- We focus on the future: Artificial intelligence, tokenisation, biometrics – we look at technology trends practically, which is why we help implement secure and legitimate innovations
- We support both mature companies and ambitious newcomers. The Polish market is well-established, with almost half of companies being between 6 to 16 years old. We advise experienced companies considering international expansion, as well as start-ups requiring solid foundations for growth
- We build bridges, not walls. In the fintech sector, success is based on forming partnerships and building robust ecosystems. We help to create a secure framework for collaboration between technology companies, banks and financial institutions because we know that together much more can be achieved
The future is now. Let’s create it together
Poland has proven to be the technological and financial hub of Central and Eastern Europe. And we are part of this fascinating story, effectively supporting those who change our reality for the better every day.
Do you have an innovative idea? Are you considering expansion? Or are you looking for a safe way to implement new technology? Contact us
Piotr Kochański
Monika Maćkowska-Morytz
Natalia Kotłowska-Wochna
