Bosnia fintech is brutal: local licensed subsidiary needs roughly €7.5M in capital
dunkhippo33 · x · 2026-10-13
Field notes from the Balkans: many local founders are building near-identical AI tools for the same global opportunity, raising questions about CAC and funding concentration. Fintech is especially hard in Bosnia — it's outside the EU so an EU license doesn't apply, a foreign bank needs a locally licensed subsidiary with about €7.5M in capital, and the country's two entities have different rules even for payments.
Related event: Balkan AI startups pile into copycat ideas as angels flock in(3 posts)→
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