Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
DORA in Spain — sanctions and payment processors
DORA in Spain: how the digitalisation bill extends the Regulation to payment processors, the new infringement grades and the Banco de España's…
Payment system access in Spain for EMIs and PIs
Direct payment system access in Spain: the Article 8 bis pre-clearance with the Banco de España, its three-month clock and the documents…
Payment Accounts Directive — fees and switching
The Payment Accounts Directive for PSPs: why Chapters II and III bind you, the fee information document, the statement of fees and…
CARF explained — and how it lines up with DAC8
CARF for crypto firms: the Reporting Crypto-Asset Service Provider definition, the four nexus criteria, and where CARF and DAC8 diverge.
The EU AML package — AMLR, AMLD6 and AMLA dates
The EU AML package for payment firms: the AMLR applies 10 July 2027, AMLD6 transposition dates, the new compliance-role split, and who…
E-money tokens under MiCA — Title IV for an EMI
E-money tokens under MiCA Title IV: who may issue, the notification clocks, no redemption fee and no interest, and the Article 54…
PSD2 fraud reporting under Article 96(6)
PSD2 fraud reporting under the EBA guidelines: the two fraud limbs, why blocked attempts are excluded, and the home and host split…
Own funds — initial capital and Methods A, B, C and D
Own funds for payment institutions and EMIs: the initial capital floors, Methods A, B and C under PSD2 Article 9, Method D,…
The EU Digital Identity Wallet — who must accept it
Regulation (EU) 2024/1183 and the EU Digital Identity Wallet: the acceptance obligation for firms under strong authentication rules, and the deadlines.
Funds transfer information — payer and payee data
Regulation (EU) 2023/1113 for fiat transfers: the Article 4 payer and payee dataset, the intra-Union derogation and the three-working-day retrieval duty.