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Neil has 20yrs in experience in global FinTech advisory and 10yrs in Corporate Banking, gaining deep technical knowledge of corporate finance, financial markets, and software development. He has advised banks, lenders, fintechs, PSPs, corporates, private equity and governments across strategy, regulation, technology and operational challenges. Systems experience includes treasury, risk, core banking, credit scoring, client engagement, payment gateways, trading, and blockchain.
An eMoney Institution licence enables the provision of financial services, including holding client funds and integrating payments. Many fintechs and corporates have taken advantage of eMoney to improve client engagement and build valuable businesses. Barriers to entry remain manageable for those that plan and resource appropriately. Nonetheless regulatory expectations are increasing, selecting the right licence type and jurisdiction is critical.
An EU Payment Institution licence authorises an entity to provide regulated payment services within the European Union. The requirements are detailed, the process long and capital rules apply up front, here is what corporates and fintechs need to know about the EU Payment Institution licence.
The EU is currently developing new Anti-Money Laundering Regulation (EU AMLR) and has launched a consultation process which indicates higher AML/CTF requirements in the near term. Here is what you need to know about EU AML Regulation change.
In little over a decade, Estonia, Latvia and Lithuania have developed a global reputation as a hub for financial technology. Fintech in the Baltic States comprises approx. 650 companies, being local innovators and foreign investors. Quality is high, with the region producing multiple unicorns, innovative products, and regulation. Whilst each country has specific strengths, they […]
A Small EMI license authorises a firm to issue e-money, hold client funds, and facilitate payment services. Small EMI offers lower barriers to entry than the full EMI license, but important differences in scope, limits and obligations apply. Here’s what you need to know about the Small Electronic Money Institution license in 2026.
Banking-as-a-Service (BaaS) is when an authorised financial institution allows a non-bank to offer financial services on its infrastructure. BaaS lowers barriers to entry in financial services but creates investment and compliance obligations. The models available, their financial and practical implications are often misunderstood. Clarifying key elements at the outset leads to better business fit, economics […]
Providers of eMoney, payment, banking, account information, and crypto asset services in the EU must be licensed to ensure firms operate in a legal and sustainable manner that safeguards clients and wider financial markets. Multiple license types exist; businesses must ascertain which is appropriate for their business model and jursidiction. Barriers to entry are manageable for […]
Open Banking emerged as a concept in 2010s, as regulators sought to stimulate competition and innovation in financial services. On launch in 2018, adoption was slow as fragmented technology, concerns about data sharing, and limited use cases created headwinds. Over time, the popularity of digital business models such as fintech and ecommerce grew among consumers […]
Banking as a Service (BaaS) occurs when an authorised financial institution allows a non-bank business to offer financial services on a white-label basis. This allows the non-bank to creatie new revenue streams, better customer experiences and deeper relationships. BaaS lowers the barrier to entry to financial services and is profitable at scale. However, it remains […]
Open Banking allows third-party providers (TPPs) to source account data and initiate payments from a customer’s account at another financial institution. Open Banking is used by financial and non-financial businesses to innovate new services, automate processes, and make decisions that were previously excluded, giving customers better choices and experiences. Consumers and businesses must consent to […]