Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
The AnaCredit data model — ten datasets, ~95 attributes
AnaCredit data model walkthrough: the ten linked datasets, identifier discipline, the attributes causing most rejections, and the four validation layers.
AnaCredit phases 1, 2 and 3 — and what replaced them
AnaCredit phase 2 and phase 3 were never adopted. What phase 1 actually covers, why the staged rollout stopped, and what IReF…
How to report CESOP in the Netherlands — step by step
Filing CESOP in the Netherlands: the Digipoort channel, the certificate problem for foreign PSPs, the Validation Test Service and the production flow.
Open banking in the Netherlands — AISP, PISP and PSD2 access
PSD2 access to account in the Netherlands: dedicated versus modified interfaces, SCA exemptions, consent management and the PSD3 redesign.
AFM MiFIR transaction reporting in the Netherlands
AFM MiFIR transaction reporting in the Netherlands: who files, the 65-field report, the T+1 deadline, ARM vs direct submission and BSN handling.
The Dutch AML framework beyond goAML
Beyond the goAML UTR: the Sanctiewet asset-freeze regime, the BFT, the Chamber of Commerce UBO register and the trust-office regime alongside Wwft.
Dutch conduct and complaints — Kifid and the AFM framework
Dutch conduct and complaints explained: how Kifid, the AFM and DNB split supervision, what complaint data firms report, and how the ADR…
DNB Digitaal Loket Rapportages — the reporting channel
DNB Digitaal Loket Rapportages (DLR): what the Reporting Service carries, eHerkenning access, the DLT split, XBRL validation and the returns a Dutch…
DNB statistical reporting — BSI, MIR and AnaCredit
DNB statistical reporting: the monthly BSI balance-sheet and MIR interest-rate returns, the reporting population, derogations and reconciliation.
CASP authorisation in the Netherlands under MiCA
MiCA CASP authorisation in the Netherlands: AFM for conduct, DNB for prudential, migration from the prior registration, and custody segregation.