Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
EMI licence in the Netherlands — the DNB application
EMI licence in the Netherlands: the DNB authorisation and AFM twin-peaks split, the EUR 350,000 capital floor, safeguarding, fit-and-proper board testing, realistic…
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
The Italian AML framework beyond UIF — CSF sanctions freezes, the beneficial-owner register, Banca d'Italia inspections and Guardia di Finanza requests, with…
CONSOB MiFIR transaction reporting in Italy
CONSOB MiFIR transaction reporting in Italy: Article 26 obligation, the 65-field RTS 22 schema, T+1 daily filing, ARM vs direct submission, and…
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
How to issue Italian IBANs: the 27-character format, the ABI and CAB codes, the CIN check-letter trap, Banca d'Italia registration, SCT Inst…
CONSOB MiFID II investment firm authorisation — the SIM regime
Investment firm authorisation in Italy: how a SIM is authorised by CONSOB with Banca d'Italia's prudential assent, which MiFID II services the…
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
How to obtain a PI licence in Italy — the Istituto di Pagamento authorisation at Banca d'Italia: capital floors, dossier contents, AIS…