Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
Anagrafe dei rapporti — Italy’s account data return
Anagrafe dei rapporti finanziari Italy: the monthly relationship feed, the 15 February balances return, SID, and the fotografia di consistenza.
SARA — Italy’s monthly aggregate AML return
SARA aggregate AML reporting to Italy's UIF: the monthly obligation, the three Infostat-UIF submission methods, and the 30-day registration rule.
Mapping source data to a reporting template
How to map source data to a supervisory return: work from the data point model rather than the grid, handle dimensions first,…
Building a regulatory reporting pipeline that survives
How a regulatory reporting pipeline is actually built: the five stages, why the mapping layer must be a versioned artefact, and where…
The French reporting calendar for a payment firm
Every recurring French return a payment or e-money institution files — supervisor, nature and channel — and the perimeter tests that decide…
OSMP — France’s payment fraud figures and how to use them
OSMP: the French payment fraud figures — €47 per €100,000 on cards, €516m of manipulation fraud, and how to benchmark your own…
FICOBA — France’s account register, and who must file
FICOBA: who must declare France's account register, the seven-day deadline in force since 1 May 2025, the declarable modifications, exclusions and penalties.
The Spanish reporting calendar for a PI or EMI
Every recurring Spanish return a payment or e-money institution files — supervisor, cadence and channel — plus the three perimeter tests that…
ECB payment statistics — the derogation nobody claims
Regulation (EU) No 1409/2013 on payment statistics: who reports, the proportionality derogations for payment and e-money firms, and the ECB list defence.
Payment statistics in Spain — Circular 2/2022
Banco de España Circular 2/2022 on payment statistics: who reports, how PSD2 fraud data is deemed filed through it, and the trap…