BNPL in the EU After CCD2: The Compliance Burden Most Teams Underestimate
The checkout can stay lightweight after CCD2. The affordability and disclosure evidence behind it cannot.
Digital Lending in Romania, Poland, Czechia: Three Markets, Three Onboarding Realities
BNR, KNF, and CNB ask the same questions about a borrower in a different order, with different proof.
Acquirers in Eastern Europe: Onboarding Merchants Without Drowning in Risk
A clean registry extract and a plausible MCC code are the start of merchant risk review, not the end of it.
EBA Guidelines on Outsourcing: What Compliance-as-a-Service Has to Prove
Outsourcing compliance work is allowed under EBA rules. Losing the ability to inspect and govern it is not.
Multi-Currency Accounts for European Startups: Compliance Beyond the Headline
Adding USD or GBP to a EUR account isn't just an FX feature. It's a new corridor your bank partner will start watching.
Card Issuing for Fintechs: KYC, KYB, and the Cardholder Lifecycle
A card is issued once. The compliance obligation behind it does not end there — it follows the cardholder for years.
Open Banking Under PSD3: The New AML Obligations for AISPs and PISPs
Open banking firms can no longer treat AML as someone else's problem. If your AISP sees suspicious behavior or your PISP triggers payments, you need CDD, monitoring, and escalation paths.
SEPA Instant Payments and Real-Time AML: A 2026 Reality Check
When a SEPA Instant payment settles in 10 seconds, AML controls that used to sit in review queues have to move before release. Here's what that control sequence needs to contain.
EU Passporting for Payments: When Your Compliance Stack Has to Travel
A payment institution can passport into a new EU market in weeks and still fail in practice. The license travels. The disclosures and monitoring thresholds don't, unless you designed them to.
BaaS Providers and Sub-Merchant Onboarding: A KYB Architecture
When a BaaS provider routes funds for a sub-merchant it didn't fully verify, the compliance failure is the provider's — not the platform's. Here's how to fix the architecture before that happens.
Why AML Automation Is Becoming a Competitive Advantage
Fintechs that treat AML as a manual process are paying twice — once in compliance costs, again in slower onboarding. Automation is closing that gap.
Getting an EMI License in Lithuania in 2026: The Compliance Stack You Need on Day One
Lithuania can be a fast EMI licensing route — but only when the operating model is ready. The Bank of Lithuania isn't just reading the application. It's testing whether the controls actually work.