Insights
Regulatory perspective.
Practical thinking on licensing, compliance and substance in European payments.
The substance test: what regulators really look for
Beyond the paperwork, supervisors assess whether a licence holder can genuinely run the business it describes. Here is how that judgment is actually made.
Building an AML framework that survives inspection
A proportionate, documented and defensible approach to financial-crime risk — and the evidence that proves it works.
Safeguarding reconciliation, done right
The controls and cadence that keep client funds protected and your attestations clean.
Fit and proper: governing who runs the business
Designing boards, committees and key-function holders that demonstrate genuine control.
EU passporting without the surprises
A practical walk-through of cross-border notifications and the pitfalls that delay them.
Operational resilience for payment institutions
Business continuity, outsourcing oversight and the resilience regulators now expect.
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Occasional notes on European payments regulation. No noise.