Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
External-sector reporting compared across the EU
Balance-of-payments reporting compared: the Spanish ETE and DTE, the German AWV Z4 and Z5 returns, and why the data has to come…
Account registers compared across the EU
How Spain, France, Italy, Germany and the Netherlands collect account data: event-driven registers, periodic files, a queried file and one live connection.
Testing a new return before the first submission
How to test a regulatory return before filing it for the first time: enrolment lead time, parallel runs, test submissions and the…
The Luxembourg reporting calendar for a payment firm
Every recurring Luxembourg return a payment or e-money institution files: the CSSF periodic tables, the outsourcing register, and the AML filings to…
The Dutch reporting calendar for a payment firm
Every recurring Dutch return a payment or e-money institution files: the DNB and AFM twin peaks, the single XBRL channel, and the…
The German reporting calendar for a payment firm
Every recurring German return a payment or e-money institution files: the BaFin and Bundesbank split, the external-sector layer, and the portal enrolments.
AWV reporting — Germany’s Z4 and Z5 returns
AWV reporting: Germany's Z4 and Z5 returns after the January 2025 amendment — the €50,000 payment threshold, €6m stock thresholds and XML…
Surviving a framework release — the upgrade playbook
Managing a reporting framework or taxonomy release: read applicability per module, diff the data points, and rehearse before the first affected reference…
Reconciling returns — which differences are real
How to reconcile regulatory returns against each other and the ledger: which differences are definitional and expected, and which are defects worth…
The Italian reporting calendar for a payment firm
Every recurring Italian return a payment or e-money institution files: the four counterparties, the four parallel AML returns, and the portal enrolments.