04 · Fintech & Payments Licensing
“I need a central-bank licence.”
We prepare everything a regulator expects to see before granting a payment or fintech licence, design the products behind it on the business side and the technical side, and stay with you through the review.
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What we do
Licence application
- Regulatory gap assessment and remediation plan
- Licence application and supporting forms
- Business plan and financial projections
- Business and service models for each licensed activity
What we do
Policies and frameworks
- Policies and procedures required by the regulator
- Governance, risk, compliance and cybersecurity frameworks, from our Governance, Risk & Compliance line
What we do
Products: business and technical design
- Fintech app design
- Payment products: wallets, cards, acceptance and collection
- Consumer finance products
- Microfinance products
What we do
Submission and follow-up
- The complete submission file
- Correspondence with the regulator
- Answers to the regulator’s questions through the review
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Fintech & Payments Licensing
Part of what we deliver
01
A gap assessment and remediation plan
02
A complete licence application
03
Product and app design, business and technical
04
A business plan with financial projections
05
The policies and procedures the regulator requires
06
The submission file and covering letters
Fintech & Payments Licensing
Typical situations
The regulator asks for a full policy set before granting the licence.
You are launching a fintech app, or adding payment, consumer finance or microfinance services.
Your licence file no longer matches the latest regulations.
Case Studies
A complete licence file for a payments company
Fintech & Payments · Fintech & Payments Licensing
- The question
- A payments company preparing for a central-bank licence needed its complete submission for several new services.
- What we did
- We prepared the business model, service model and business plan for each service, together with a full policy library, from corporate governance and risk management to cybersecurity, AML and customer-funds safeguarding.
- What it showed
- A submission-ready file, with completion guides so the company’s own team could finish the details.
Value gainedNew revenue streamsseveral new payment services, each a new source of income, ready for licensing in one file