A study in the United States shows that the average age of the founders of the top 0.1 percent fastest-growing start-up firms is 45. See Pierre Azoulay et al., "Age and High-Growth Entrepreneurship," NBER Working Paper, no.24489, 2018. 7  can see from the clear increase in their software investment.
In addition, the infrastructure on which these services operate is owned mainly by European banks or, in some cases, by European central banks.