Fintech Regulatory Advisory
Practical regulatory advisory for payment service providers, EMIs, and fintech businesses — covering licensing strategy, compliance framework development, and ongoing regulatory monitoring across the EU and UK.
What this service covers
Fintech regulation is not static. PSD3, DORA, updated EBA guidelines, and the continuing evolution of AML/CFT requirements affect product design, contractual obligations, and day-to-day operations in ways that are not always visible until they become compliance gaps. The earlier you have the right input, the less expensive it is to act on it.
We provide regulatory advisory to fintech businesses at every stage — from pre-authorisation planning and business model assessment to ongoing regulatory monitoring and targeted input on specific questions. The focus is always practical: what does this requirement actually mean for your business, what needs to change, and what can wait.
What's included
A clear delivery scope based on what this engagement typically covers. Exact deliverables are confirmed after we review your business model and jurisdiction.
Regulatory mapping
Analysis of your business model and activities against applicable licensing requirements and compliance obligations.
EMI/PI licensing strategy
Advice on the right authorisation pathway for payment service businesses in the EU and UK, including jurisdiction selection.
Regulatory change monitoring
Ongoing tracking of relevant regulatory developments with impact assessment for your specific business.
Compliance framework development
Design of policies, procedures, and internal controls aligned to supervisory expectations.
Product and contract review
Regulatory input on new product launches, service terms, and commercial agreements.
Ad hoc advisory
Rapid-turnaround responses to regulatory questions as your business evolves.
Who this is for
Payment service providers and EMIs
Licensed businesses managing ongoing obligations under PSD and e-money regulation.
Fintech startups planning authorisation
Companies preparing for EMI or PI registration and needing a structured approach.
Banks and financial institutions
Established players assessing regulatory requirements for new digital products or distribution models.
How we deliver
A focused engagement model — assessment, execution, and follow-through — so you always know what happens next.
Regulatory scoping
We review your business model, current compliance posture, and applicable regulatory framework.
Framework and recommendations
We produce policies, procedures, and a clear action plan.
Ongoing advisory
We monitor regulatory change and respond to questions as your business continues to develop.