FINTECH

Your EMI’s banking relationship might be more fragile than you think, and the FCA’s latest findings reveal just how exposed small payment firms really are. Picture this: you’re running a growing EMI with 25 employees, processing millions in cross-border payments monthly. Everything’s humming along nicely until one Tuesday morning when

Your customers are about to bypass your cards entirely, and the biggest payment network in the world is leading the charge. Here’s something that might make you pause mid-sip of your morning coffee: Visa, the same company that built an empire on card transactions, just launched a UK platform that

The FCA approval rate for Small Payment Institution licences has dropped from 85% to 70% in two years, and if you’re planning to apply, you need to know what’s changed. Here’s something that might surprise you: getting an SPI licence used to be relatively straightforward. Back in 2023, roughly 85

The technology gap between what Fortune 500 payment companies offer and what a 20-person EMI can realistically build just got a lot smaller. If you’ve been running a small payment company for the past few years, you’ve probably had this conversation more times than you care to count: a potential

Your hedging strategy worked perfectly until it didn’t, and now your SME clients are asking uncomfortable questions about their transfer costs. The pound is doing something interesting right now, and if you’re running a money service business focused on SMEs, you need to pay attention. Not because it’s fascinating market

When sanctions enforcement jumped 200% in 2024 and penalties hit £300,000, staying current with OFSI guidance became a matter of business survival. Something shifted in UK sanctions enforcement this year. The pace accelerated, the penalties grew sharper, and the margin for error disappeared. On 18 August, HM Treasury’s Office of