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.
FinTech in the Baltic States 2026: Key trends and players
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 […]
How to choose a Banking-as-a-Service provider
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 […]
FinTech Licenses EU
Providers of eMoney, payment, and crypto asset services in the EU must be licensed. Multiple licenses exists; businesses must ascertain which is appropriate for their usage case. Requirements are extensive and the authorisation process intensive; in most cases, regulators expect to test capability in advance. On authorisation, you can apply to ‘passport’ across the EU, […]
Open Banking in Europe
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 […]
What is Banking as a Service?
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 […]
What is Open Banking? Beyond Payments
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 […]
European Financial Centres: Driving Economic Development
Financial Services are significant in Europe, accounting for over 9% of economic output. London and Frankfurt
Sovereign Wealth Funds: Moving Capital Markets
Sovereign Wealth Funds are state investment vehicles that manage surplus capital to create reserves for future generations, stabilise economies, drive innovation and economic development. Discover the key players here.
EU DORA: What Financial Firms and FinTechs Must Know
The EU Digital Operational Resilience Act became mandatory on 17.01.2025 and seeks to improve operational risk and business continuity in EU financial services. With 70+ pages and hundreds of requirements, DORA sets a new standard for financial services ICT