PCN Insights

With over 15 years of deep specialisation and direct input from our global network of 150,000+ payments and fintech professionals, our research team delivers data-driven, credible reports that empower you to make confident strategic decisions and stay ahead of the market.

Q3 2025 Fintech Hiring Trends: Where Demand Shifted After a Strong Funding Quarter

Q3 2025 was a strong quarter for global venture funding, with fintech securing around $12 billion and reaffirming its position as one of the most resilient sectors outside of AI. This report shifts the focus from capital flows to what really happens next: how fintech companies adjust their hiring strategies when funding conditions improve. Covering […]…

Stablecoin Issuers: Who Builds Trust, Who Scales, and Who Risks It

Stablecoins are moving from crypto-native tools to core financial infrastructure, handling billions in daily transactions and edging closer to mainstream adoption. By mid-2025, the stablecoin market is approaching $300 billion — but the real differentiator is no longer the token itself. It’s the companies and teams behind it. This report examines six of the most […]…

The Talent Powering Cross-Border Payments: Inside Global Payment Infrastructure Companies

Cross-border payments are no longer a niche capability, they are core infrastructure for the global economy. As transaction volumes continue to grow across B2B, B2C, and consumer remittances, this report looks at the people and organizational models behind the companies moving money across borders. Focusing on leading cross-border payment providers such as Airwallex, Wise, Payoneer, […]…

Mollie × GoCardless: What a Potential Deal Could Mean for Payments, and People

As consolidation accelerates across Europe’s fintech sector, talks between Mollie and GoCardless stand out as a potential turning point in payments. This report looks beyond deal headlines to examine what a Mollie–GoCardless combination could mean in practice, not just in terms of products and market share, but for teams, culture, and execution. Drawing on financial […]…

Hiring Pulse in Fintech: Workforce and Talent Shifts Across Europe (Q1 2024 – Q1 2025)

This report provides a comprehensive view of how hiring, workforce strategy, and talent priorities are evolving across Europe’s fintech sector. Covering Payments, Buy Now Pay Later (BNPL), Open Banking, and Banking-as-a-Service (BaaS), it combines workforce data from more than 50 fintech companies with market and funding insights from Q1 2024 to Q1 2025. Against a […]…

Fintech Salary Insights Q2 2025: Commercial and Compliance Roles Across Europe

As competition for fintech talent intensifies, understanding salary benchmarks has become critical for both employers and professionals. This report provides a clear snapshot of salary trends for commercial and compliance roles across Europe’s key fintech hubs: London, Berlin, and Amsterdam. Building on PCN’s hiring and market insights, the analysis compares base salary ranges across roles […]…

Q2 2025 Fintech Hiring Trends: Where Demand Is Rising, and Slowing

Europe’s fintech sector continues to grow, but hiring patterns in Q2 2025 show a clear shift in priorities. This report breaks down the latest hiring trends across payments, open banking, BNPL, and Banking-as-a-Service, using real job data from leading fintech companies combined with PCN’s on-the-ground recruitment insights. Covering key markets such as Berlin, Amsterdam, London, […]…

From Chatbots to Job Cuts: Klarna’s AI Shakeup and the Future of Fintech Talent

Klarna’s aggressive adoption of AI has made headlines, from AI-powered chatbots to major workforce reductions. This report looks beyond the headlines to understand what Klarna’s AI-first strategy really means for fintech talent, organizational design, and the future of work in financial services. Tracing Klarna’s AI evolution from early automation in risk and fraud to the […]…

Organizational Insights From Leading BNPL Players

The Buy Now, Pay Later (BNPL) market is often discussed in terms of consumer growth and regulation, but far less attention is paid to how BNPL companies actually organize themselves to scale. This report looks inside leading European BNPL players to understand how team structure, licensing models, and strategic focus shape their operating models. Using […]…

Open Banking Talent Shift: How Open Banking Is Reshaping Career Paths in Finance

Open banking is no longer just a regulatory or technical shift; it’s rapidly reshaping how finance teams are built, where talent comes from, and which skills are in demand. This report examines how the global expansion of open banking and the transition toward open finance are changing career paths across the financial services ecosystem. Drawing […]…

Unicorns Are Built With Code… Or Are They? The People Behind Europe’s FinTech Unicorns

In Europe’s fast-growing fintech ecosystem, reaching unicorn status is often framed as a story of technology, funding, and speed. This report challenges that narrative. By analyzing 21 leading European fintech unicorns, it looks beyond valuation headlines to understand how team structure, culture, and talent decisions shape the journey to a billion-dollar company. The report compares […]…

Worldline Line by Line: The Human Side of a Payments Giant

This report takes a deep dive into the people strategy behind one of Europe’s largest payment processors. While Worldline is often discussed in terms of scale, technology, and acquisitions, this analysis focuses on what usually gets less attention: how the company builds, reshapes, and manages its workforce. We trace Worldline’s workforce journey from 2019 to […]…

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New podcast: An Interview with Tom van Wees and Roderick de Koning, CCO and CEO of Ginger Payments