Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
EMI licence in the Netherlands — the DNB application
DNB's EMD2 EME authorisation under the Wet op het financieel toezicht: English-language acceptance, the substance test, capital, governance, the DNB Fintech Office…
Conduct and complaints reporting in Italy — ABF, IVASS and the Banca d’Italia framework
The Italian conduct cycle: the Arbitro Bancario Finanziario for banking and payments disputes, the Arbitro per le Controversie Finanziarie for investment matters,…
The Italian AML framework beyond UIF
Beyond the UIF SOS report: the Comitato di Sicurezza Finanziaria sanctions regime, the Registro Imprese UBO data, the Guardia di Finanza coordination,…
CONSOB MiFIR transaction reporting in Italy
Daily MiFIR Article 26 transaction reporting to CONSOB: the ESMA XML schema, the Italian portal specifics, Codice Fiscale handling, ARM vs direct…
OAM — the Italian agent and crypto register
The Organismo degli Agenti e dei Mediatori register, mandatory for payment-services agents and (historically) VASPs in Italy. Procedure, fitness-and-properness, and how OAM…
Banca d’Italia Segnalazioni — the Italian supervisory reporting matrix
The Italian supervisory reporting framework: the Matrice dei Conti, FINREP/COREP/IFR-COREP layered on top, the Vigilanza Informativa portal, cadence, and reconciliation across returns.
How to issue Italian IBANs
The Italian IBAN format with ABI bank code, CAB branch code and CIN national check letter. Banca d'Italia registration, SEPA scheme adherence,…
CONSOB MiFID II investment firm authorisation — the SIM regime
Societa di Intermediazione Mobiliare authorisation: CONSOB for conduct, Banca d'Italia for prudential, MiFID II services in Italian law, IFR Class 2 /…
CASP authorisation in Italy under MiCA
The Italian two-authority route to MiCA CASP authorisation: CONSOB for conduct, Banca d'Italia for prudential, the OAM-VASP migration, dossier requirements and what…
PI licence in Italy — Istituto di Pagamento at Banca d’Italia
The PSD2 IP authorisation under D.Lgs 11/2010. The eight services in Italian law, capital floors, AIS lite registration, and the OAM agent…