{
  "slug": "ro-fintech",
  "name": "Romania fintech",
  "updated": "2026-09-20",
  "page": "https://godofstartups.com/atlas/markets/ro-fintech",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "facts": [
    {
      "metric": "Outstanding bank loans to non-financial corporations, Romania",
      "value": "43433.05904761904",
      "unit": "EUR million",
      "geo": "RO",
      "period": "2026-07",
      "tier": 1,
      "status": "ready",
      "url": "https://data-api.ecb.europa.eu/service/data/BSI/M.RO.N.A.A20.A.1.U6.2240.Z01.E?format=csvdata&startPeriod=2019-12"
    },
    {
      "metric": "Romania projected digital payments transaction value",
      "value": "38.31",
      "unit": "USD billion",
      "geo": "RO",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://one.oecd.org/document/DAF/COMP/WD%282025%2942/en/pdf"
    },
    {
      "metric": "Individuals using the internet for internet banking, by country, Eurostat",
      "value": "22.5",
      "unit": "% of persons aged 16-74 using internet",
      "geo": "RO",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://insse.ro/cms/sites/default/files/field/publicatii/accesul_populatiei_la_tehnologia_informatiei_si_comunicatiilor_romania_2025.pdf"
    },
    {
      "metric": "Enterprises reporting issues due to late payments, Romania",
      "value": "60",
      "unit": "percent",
      "geo": "RO",
      "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": "Made a digital online merchant payment for an online purchase, Romania, World Bank Global Findex",
      "value": "23.27",
      "unit": "% of population age 15+",
      "geo": "RO",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin27a?locations=RO"
    },
    {
      "metric": "Share of invoices paid on time in Romania's best-performing sector (construction)",
      "value": "22",
      "unit": "percent",
      "geo": "RO",
      "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": "Account ownership among the poorest 40% by income, Romania",
      "value": "55.4182775439009",
      "unit": "% of population age 15+",
      "geo": "RO",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/FX.OWN.TOTL.40.ZS?locations=RO"
    },
    {
      "metric": "Adults borrowing from a formal bank or similar financial institution, by Eastern Europe country",
      "value": "20.2",
      "unit": "% of population age 15+",
      "geo": "RO",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin22a?locations=PL-RO-UA-CZ-HU"
    },
    {
      "metric": "Share of financial-service-sector firms that are micro enterprises (0-9 employees), Romania, Eurostat SBS",
      "value": "87.4",
      "unit": "percent of enterprises",
      "geo": "RO",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://ec.europa.eu/eurostat/api/dissemination/statistics/1.0/data/sbs_sc_ovw?format=JSON&geo=RO&nace_r2=K64&indic_sbs=ENT_NR&time=2024"
    },
    {
      "metric": "Used mobile phone or internet to buy online, young adults 15-24, Romania, World Bank Global Findex",
      "value": "73.003765384931",
      "unit": "% of population age 15-24",
      "geo": "RO",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin26b.3?locations=RO"
    },
    {
      "metric": "Account ownership at a financial institution or mobile-money provider, Romania (% age 15+)",
      "value": "71.34",
      "unit": "percent",
      "geo": "RO",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/FX.OWN.TOTL.ZS?locations=RO"
    },
    {
      "metric": "Share of Romanian companies reporting late payments negatively affected payments to suppliers",
      "value": "55",
      "unit": "percent",
      "geo": "RO",
      "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 B2B invoices paid by the due date, retail trade sector, Romania (lowest in EU sample)",
      "value": "9",
      "unit": "percent",
      "geo": "RO",
      "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), Romania",
      "value": "62.68",
      "unit": "percent",
      "geo": "RO",
      "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": "Account ownership among young adults aged 15-24, Romania",
      "value": "85.6315207171153",
      "unit": "% of population age 15+",
      "geo": "RO",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/FX.OWN.TOTL.YG.ZS?locations=RO"
    },
    {
      "metric": "Companies reporting late payments forced them to delay loan repayments or use additional financing, Romania",
      "value": "31",
      "unit": "percent",
      "geo": "RO",
      "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, Romania, Eurostat",
      "value": "30769.5",
      "unit": "PPS per capita",
      "geo": "RO",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://ec.europa.eu/eurostat/api/dissemination/statistics/1.0/data/nama_10_pc?format=JSON&geo=PL&geo=RO&unit=CP_PPS_EU27_2020_HAB&na_item=B1GQ&time=2024"
    },
    {
      "metric": "No account because of a lack of trust in financial institutions, Romania, World Bank Global Findex",
      "value": "10.63",
      "unit": "% of population age 15+ without an accou",
      "geo": "RO",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin11d?locations=RO"
    },
    {
      "metric": "Share of invoices paid on time by micro-enterprises, Romania",
      "value": "11",
      "unit": "percent",
      "geo": "RO",
      "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": "Internet banking usage among individuals aged 16-74, Romania",
      "value": "8.36",
      "unit": "percent of individuals",
      "geo": "RO",
      "period": "2019",
      "tier": 1,
      "status": "ready",
      "url": "https://ec.europa.eu/eurostat/databrowser/view/tin00099/default/table?lang=en"
    }
  ],
  "note": "status: ready = two or more independent sources or an official series; proxy = one source; context = macro background, not a validation figure."
}