What’s holding back growth for Europe’s small and mid-sized enterprises—and how can fintech help close that gap? In this interview, Audrius Milukas, co-founder of SME Bank and early-stage tech investor, shares his perspective on the structural challenges facing SMEs and the opportunity fintech has to unlock access to capital.
With experience across entrepreneurship, banking, and venture investment, Audrius offers a candid take on how the ecosystem needs to evolve to support long-term growth. He also reflects on the momentum in the Baltic region, where a new generation of fintech startups is scaling fast and attracting global attention.
We explore why the Baltics are uniquely positioned to become a hub for financial innovation, what founders need to thrive, and how regulatory and capital frameworks must adapt.
Whether you’re building, investing, or working to support tech-driven businesses, this is a grounded and insightful look at what’s next for fintech and SME growth in Europe.
