{
  "slug": "easteu-fintech",
  "name": "Eastern Europe Fintech",
  "updated": "2026-09-20",
  "page": "https://godofstartups.com/atlas/markets/easteu-fintech",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "facts": [
    {
      "metric": "EU credit institutions aggregate return on equity",
      "value": "2.44",
      "unit": "percent",
      "geo": "EU",
      "period": "2026-03",
      "tier": 1,
      "status": "ready",
      "url": "https://www.ecb.europa.eu//press/pr/date/2026/html/ecb.pr260807~58eb5109ce.en.html"
    },
    {
      "metric": "EU credit institutions aggregate non-performing loans ratio",
      "value": "1.98",
      "unit": "percent",
      "geo": "EU",
      "period": "2026-03",
      "tier": 1,
      "status": "ready",
      "url": "https://www.ecb.europa.eu//press/pr/date/2026/html/ecb.pr260807~58eb5109ce.en.html"
    },
    {
      "metric": "Net improvement in bank loan availability reported by SMEs, Slovakia",
      "value": "-2.947308",
      "unit": "percentage points",
      "geo": "SK",
      "period": "2025-S2",
      "tier": 1,
      "status": "ready",
      "url": "https://data-api.ecb.europa.eu/service/data/SAFE/H.SK.SME.A.0.0.0.Q9.FBLN...?format=csvdata&lastNObservations=5"
    },
    {
      "metric": "Share of SMEs that did not apply for a bank loan because of sufficient internal funds, Slovakia",
      "value": "38.3895",
      "unit": "percent",
      "geo": "SK",
      "period": "2025-S1",
      "tier": 1,
      "status": "ready",
      "url": "https://data-api.ecb.europa.eu/service/data/SAFE/H.IT+SK.SME+MIC+LAR.A.0.0.0.Q7A.FBLN.R1+R2+R3.AL.WP?lastNObservations=6&format=csvdata"
    },
    {
      "metric": "Number of CEE companies receiving start-up-stage venture investment",
      "value": "92",
      "unit": "count of companies",
      "geo": "EASTEU",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.investeurope.eu/media/z3pasguu/20260623_invest-europe_cee-report-2025.pdf"
    },
    {
      "metric": "Poland payment-card fraudulent transaction share",
      "value": "0.004 / 0.008",
      "unit": "% of card transaction count / % of card",
      "geo": "Poland",
      "period": "2024-H1",
      "tier": 1,
      "status": "ready",
      "url": "https://nbp.pl/wp-content/uploads/2025/01/Ocena-I-2024-SYNTEZA_Eng.pdf"
    },
    {
      "metric": "Poland payment cards in circulation",
      "value": "46.3",
      "unit": "million payment cards in circulation",
      "geo": "Poland",
      "period": "2024-12",
      "tier": 1,
      "status": "ready",
      "url": "https://nbp.pl/wp-content/uploads/2025/06/Ocena-II-polrocze-2024-r._SYNTEZA.pdf"
    },
    {
      "metric": "Reduction in average G2B payment period versus 2023, Bulgaria",
      "value": "7.6",
      "unit": "percent",
      "geo": "BG",
      "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": "Reported operational incidents in Polish payment schemes",
      "value": "12",
      "unit": "incidents",
      "geo": "PL",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://nbp.pl/wp-content/uploads/2026/02/Polish-Payment-System-2024.pdf"
    },
    {
      "metric": "Croatian companies reporting problems due to late payments",
      "value": "59",
      "unit": "percent",
      "geo": "HR",
      "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": "Slovenia share of cash payments at point of sale, by number of transactions",
      "value": "64",
      "unit": "percent",
      "geo": "Slovenia",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://www.ecb.europa.eu/stats/ecb_surveys/space/html/ecb.space2024~19d46f0f17.en.html"
    },
    {
      "metric": "Poland card-scheme transaction volume and value",
      "value": "8.9 / 710.1",
      "unit": "billion card-scheme transactions / PLN billion transaction value",
      "geo": "Poland",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://nbp.pl/wp-content/uploads/2026/02/Polish-Payment-System-2024.pdf"
    },
    {
      "metric": "Enterprises reporting late payments affected their payments to suppliers, Bulgaria",
      "value": "39",
      "unit": "percent",
      "geo": "BG",
      "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": "Average agreed B2B payment terms in Croatia, longest in the EU",
      "value": "46",
      "unit": "days",
      "geo": "HR",
      "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": "Companies reporting late payments made them delay loan repayments or use additional financing, Bulgaria",
      "value": "17",
      "unit": "percent",
      "geo": "BG",
      "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": "Share of invoices paid on time by Slovak medium-sized companies",
      "value": "59",
      "unit": "percent",
      "geo": "SK",
      "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": "Average G2B payment period reported by suppliers in Croatia",
      "value": "65",
      "unit": "days",
      "geo": "HR",
      "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": "Gross operating rate, financial services (NACE K64), Bulgaria",
      "value": "61.27",
      "unit": "percent",
      "geo": "BG",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://ec.europa.eu/eurostat/api/dissemination/statistics/1.0/data/sbs_ovw_act?format=JSON&lang=EN&nace_r2=K64&indic_sbs=NETTUR_EMP_TEUR&indic_sbs=GOR_PC&time=2024"
    },
    {
      "metric": "Share of B2B invoices paid by due date by Croatian medium-sized companies",
      "value": "43",
      "unit": "percent",
      "geo": "HR",
      "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": "Hungarian companies using bank guarantees to protect against late payments",
      "value": "31",
      "unit": "percent",
      "geo": "HU",
      "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"
    }
  ],
  "note": "status: ready = two or more independent sources or an official series; proxy = one source; context = macro background, not a validation figure."
}