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If you’re an MSB owner in the UK—whether you’re a Small Payment Institution (SPI), an Authorised Payment Institution (API), or an EMI-light operation—you’ve likely wondered what your business could be worth. You may have spent years navigating FCA regulation, compliance costs, banking headaches, and ever-tightening transaction scrutiny. And now, perhaps
2025 isn’t a “return to normal”; it’s the start of fintech’s compliance-powered growth phase. Talent pipelines, capital flows and product launches all validate a step-change in maturity: Stakeholders who staff early, build defensible risk frameworks, and monetise trust will not only pass the next FCA inspection—they’ll own the growth curve
Cross-border payments – whether for individuals sending remittances or businesses transacting globally – have long been ripe for fintech disruption. The UK, with London as a global financial center and a diverse, international population, has been a hotbed for innovation in this space. As of 2025, cross-border payment solutions continue
Real‑time payments, decoded Real‑time or “instant” payments are credit transfers that clear and settle in seconds, 24/7/365, with irrevocable good funds landing in the payee’s account straight away. In the UK that’s mainly the Faster Payments Service (FPS) today, and the forthcoming New Payments Architecture (NPA) tomorrow. No more D+2
UK small and medium-sized enterprises (SMEs) are accelerating their adoption of fintech platforms as traditional banking constraints, elevated interest rates, and post-Brexit trade complexities reshape financial service demands. While inflation has moderated to 2.6% in March 2025, the Bank of England maintains a cautious monetary policy with a 4.5% base
The European Union’s Payment Services Directive (PSD) has been a cornerstone of financial regulation, shaping the payments landscape across Europe. With PSD2 already in effect and PSD3 on the horizon, businesses in the foreign exchange (FX) sector must prepare for significant regulatory shifts. These changes are not just about compliance—they
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