Fintech regulation depends on the activity, the legal entity and the customer’s location—not simply where an app is built. This guide compares licensing, customer-money protection and cross-border access in the EU, UK, US, Switzerland, UAE and Singapore.
An electronic money institution issues e-money, a payment service provider performs payment functions, and a bank can accept deposits within its permissions. This guide explains how the models differ, what happens to customer funds and how to check regulatory status across major jurisdictions.
Payment institutions move money without operating as conventional deposit-taking banks. This guide explains their licences, payment flows, safeguarding arrangements, revenue models and the regulatory differences across six major jurisdictions.
A practical guide to choosing a banking, payment or e-money model, understanding licensing across six jurisdictions, and building the controls, technology and economics needed for launch.
Parabanking describes financial services provided outside traditional banks, from payment wallets and money transfers to marketplace lending and digital money. This guide explains how these services work, how customer protections differ, and what to check before using a provider.
