{
  "slug": "cz-fintech",
  "name": "Czechia fintech",
  "updated": "2026-09-20",
  "page": "https://godofstartups.com/atlas/markets/cz-fintech",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "facts": [
    {
      "metric": "Outstanding bank loans to non-financial corporations, Czechia",
      "value": "67323.10424582851",
      "unit": "EUR million",
      "geo": "CZ",
      "period": "2026-07",
      "tier": 1,
      "status": "ready",
      "url": "https://data-api.ecb.europa.eu/service/data/BSI/M.CZ.N.A.A20.A.1.U6.2240.Z01.E?format=csvdata&startPeriod=2019-12"
    },
    {
      "metric": "Instant-payment user satisfaction, Ipsos survey for CNB, Czechia",
      "value": "99",
      "unit": "percent of instant-payment users",
      "geo": "CZ",
      "period": "2026",
      "tier": 1,
      "status": "ready",
      "url": "https://www.cnb.cz/en/cnb-news/press-releases/Instant-payments-gain-popularity-most-Czechs-now-use-them-with-99-customer-satisfaction/"
    },
    {
      "metric": "Share of Czechs using instant payments (Ipsos/CNB survey)",
      "value": "53",
      "unit": "% of population aged 18-65",
      "geo": "CZ",
      "period": "2025-10",
      "tier": 1,
      "status": "ready",
      "url": "https://www.cnb.cz/en/cnb-news/press-releases/Instant-payments-gain-popularity-most-Czechs-now-use-them-with-99-customer-satisfaction/"
    },
    {
      "metric": "Fraudulent card payment transactions per year, Czech Republic (CNB payment statistics)",
      "value": "195,000",
      "unit": "fraudulent transactions/year",
      "geo": "CZ",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.cnb.cz/en/statistics/money_and_banking_stat/harm_stat_data/commentary-on-payment-statistics/index.html"
    },
    {
      "metric": "Eastern Europe adults unable to come up with emergency funds within 30 days",
      "value": "18.7",
      "unit": "% of population",
      "geo": "CZ",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://ec.europa.eu/eurostat/api/dissemination/statistics/1.0/data/ilc_mdes04?format=JSON&geo=CZ&geo=HU&time=2025"
    },
    {
      "metric": "POS terminals deployed by Czech acquirers",
      "value": "285",
      "unit": "thousand POS terminals",
      "geo": "CZ",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.cnb.cz/en/statistics/money_and_banking_stat/harm_stat_data/commentary-on-payment-statistics/"
    },
    {
      "metric": "Average venture capital investment per company, Czech Republic",
      "value": "2.43",
      "unit": "EUR million",
      "geo": "CZ",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.investeurope.eu/media/z3pasguu/20260623_invest-europe_cee-report-2025.pdf"
    },
    {
      "metric": "Enterprises reporting difficulties due to late payments, Czechia",
      "value": "69",
      "unit": "percent",
      "geo": "CZ",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://single-market-economy.ec.europa.eu/document/download/db1722d8-9cad-40fd-9ad4-f56a907317fa_en?filename=AnnualReport2025_FinalC.pdf"
    },
    {
      "metric": "Payment cards in circulation issued by Czech banks, end of period, Czechia",
      "value": "15.9",
      "unit": "million cards",
      "geo": "CZ",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://www.cnb.cz/en/statistics/money_and_banking_stat/harm_stat_data/commentary-on-payment-statistics/index.html"
    },
    {
      "metric": "New businesses registered, by country, World Bank",
      "value": "29877",
      "unit": "count",
      "geo": "CZ",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/IC.BUS.NREG?locations=CZ"
    },
    {
      "metric": "Average B2B payment period reported by suppliers, Czechia",
      "value": "62.3",
      "unit": "days",
      "geo": "CZ",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://single-market-economy.ec.europa.eu/document/download/db1722d8-9cad-40fd-9ad4-f56a907317fa_en?filename=AnnualReport2025_FinalC.pdf"
    },
    {
      "metric": "GDP per capita in purchasing power standards, Czechia, Eurostat",
      "value": "36255.5",
      "unit": "PPS per capita",
      "geo": "CZ",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://ec.europa.eu/eurostat/api/dissemination/statistics/1.0/data/nama_10_pc?format=JSON&geo=CZ&geo=HU&unit=CP_PPS_EU27_2020_HAB&na_item=B1GQ&time=2024"
    },
    {
      "metric": "Enterprises reporting late payments affected their payments to suppliers, Czechia",
      "value": "23",
      "unit": "percent",
      "geo": "CZ",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://single-market-economy.ec.europa.eu/document/download/db1722d8-9cad-40fd-9ad4-f56a907317fa_en?filename=AnnualReport2025_FinalC.pdf"
    },
    {
      "metric": "Card transactions at resident accepting devices, annual volume, Czechia",
      "value": "1.9",
      "unit": "billion transactions/year",
      "geo": "CZ",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://www.cnb.cz/en/statistics/money_and_banking_stat/harm_stat_data/commentary-on-payment-statistics/index.html"
    },
    {
      "metric": "Share of invoices settled on time by medium-sized businesses, Czechia",
      "value": "63",
      "unit": "percent",
      "geo": "CZ",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://single-market-economy.ec.europa.eu/document/download/db1722d8-9cad-40fd-9ad4-f56a907317fa_en?filename=AnnualReport2025_FinalC.pdf"
    },
    {
      "metric": "Banking system share of total assets in Czech domestic regulated financial system",
      "value": "85",
      "unit": "percent",
      "geo": "CZ",
      "period": "2022",
      "tier": 1,
      "status": "ready",
      "url": "https://www.oecd.org/content/dam/oecd/en/publications/reports/2022/11/the-fintech-ecosystem-in-the-czech-republic_129e94c9/068ba90e-en.pdf"
    },
    {
      "metric": "Made a cash payment upon delivery for an online purchase, Czechia, World Bank Global Findex",
      "value": "20.50",
      "unit": "% of population age 15+",
      "geo": "CZ",
      "period": "2021",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin27b?locations=CZ"
    },
    {
      "metric": "Adults borrowing from a formal bank or similar financial institution, by Eastern Europe country",
      "value": "31.3",
      "unit": "% of population age 15+",
      "geo": "CZ",
      "period": "2021",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin22a?locations=PL-RO-UA-CZ-HU"
    },
    {
      "metric": "Made a digital online merchant payment for an online purchase, Czechia, World Bank Global Findex",
      "value": "53.96",
      "unit": "% of population age 15+",
      "geo": "CZ",
      "period": "2021",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin27a?locations=CZ"
    },
    {
      "metric": "Average transaction cost of sending remittances outbound from Czech Republic (World Bank)",
      "value": "8.47",
      "unit": "percent of amount sent",
      "geo": "CZ",
      "period": "2019",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/SI.RMT.COST.OB.ZS?locations=CZ"
    }
  ],
  "note": "status: ready = two or more independent sources or an official series; proxy = one source; context = macro background, not a validation figure."
}