I noted that the hospitality in Sarajevo was “unmatched by anything I've ever seen. Everybody went out of their way to show me Bosnian culture.”
The two halves of Bosnia and Herzegovina each have different payment rules, meaning a foreign fintech must set up a locally‑licensed subsidiary with about €7.5 M capital to operate.
On 2026‑10‑12 I attended the Business Angel Summit in Sarajevo, Bosnia & Herzegovina, where I observed the market landscape, regulatory environment, and investment opportunities.
There’s no Uber or equivalent, and as far as I could tell no super app like most of the world has, even though people seem able to afford one.
Bosnia has three presidents, and things like transport are licensed at the city and canton level.
Glovo even shut down in Bosnia this August after five years.
A foreign bank needs a locally licensed subsidiary with about €7.5M in capital.
The countries are so different and only have about 17M people combined.