Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
ETE — Spain’s external transactions return, by threshold
The ETE under Banco de España Circular 4/2012: three reporting frequencies by threshold, the summary annual option, and why registered PSPs are…
Modelo 196 is monthly now — what changed in 2026
Modelo 196 is monthly from January 2026: who files, beneficial owners on every record, December-only balances, and the fields that get records…
Remote onboarding compared — six EU markets
Remote customer onboarding compared across Spain, Germany, France, Italy, Luxembourg and the Netherlands: four regulatory models and what each demands.
Remote onboarding in the Netherlands — policy-led
Remote identification in the Netherlands: the Wwft Article 4 timing relief, the absence of a prescriptive national procedure, and the EBA guidelines.
Remote onboarding in Luxembourg — compensating measures
Remote identification in Luxembourg: when CSSF Regulation 12-02 Article 27 bites, which safeguards switch it off, and what compensates the risk.
Remote onboarding in Italy — the eleven-step script
Remote identification in Italy: Banca d'Italia's non-face-to-face route, the Allegato 3 video-identification procedure and its eleven session steps.
Remote onboarding in France — pick two of six
Remote identification in France under Article R561-5-2 of the Code monetaire et financier: the six measures, the two-measure rule and the PVID…
De-risking — the line between exit and exclusion
De-risking explained: why blanket category exits are hard to defend under EU AML law, what Article 21 actually requires, and how to…
Information-sharing partnerships — the AMLR gateway
Information-sharing partnerships under AMLR Article 75: what members may share, the supervisory notification before activities begin, and the DPIA gate.
Group-wide AML — what a parent must push down
Group-wide AML under AMLR Article 16: the group risk assessment, group policies and information sharing, and third-country branches under Article 17.