8 Results
Ivan Aleksandrov CSO | Fintech Licensing, Core banking & BaaS at Advapay
While Malta might not be as well-known as a fintech hub as, say, Amsterdam or Berlin, it punches well above its weight. HQ to big names like eToro and Foris DAX, which operates crypto.com, and a slew of exciting homegrown firms, the country has a thriving fintech community. Throw in a mature regulatory environment, advantageous tax treatment, and ...
19 June 2025 /payments /crypto Fintech
This article offers insights into the number of e-money and payment institution licenses issued in the EU in 2024, along with a three-year comparison. If you're evaluating the best jurisdiction for your business, this comprehensive analysis will help you make an informed decision. Licensing Data Used in the Analysis This analysis presents combined...
18 February 2025 /regulation /startups Fintech
Success with a fintech startup requires more than the usual business savvy and basic organisation. It takes strategic planning and data-driven decision-making to reach profit and sustainable growth. Advapay’s expertise in the fintech sector allows us to share these meaningful recommendations with you. The roadmap and the business structure you cho...
10 December 2024 /payments /startups Fintech
The rise of banking-as-a-service (BaaS) and agent schemes is expected to persist due to continuous regulatory tightening on e-money and payment institution licenses. Acquiring one’s own e-money or payment institution license is extremely challenging without a sizable, experienced team, a large client base, and budgets of at least 1 million euros. ...
13 November 2023 /payments /startups Fintech
Before applying for a Payment Institution (PI) or Electronic Money Instituion (EMI) licence, you should earnestly assess your chances by taking a look at your company through the eyes of the regulator. If you think you might not yet be ready to apply, take care to fix the flaws, instead of waiting for the regulator to point them out to you. In ad...
21 July 2022 /regulation /startups Fintech
The Dutch regulator (De Nederlandsche Bank, DNB) is one of the most active in the EEA in terms of the number of Payment Institution (PI) and E-money Institution (EMI) licences that is issues. In 2021, the regulator issued 14 PI and EMI licences, more than any other EEA country including Lithuania. In total, now (as of 22 June, 2022) 74 Payment Ins...
22 June 2022 /payments /regulation Fintech
Do you have a plan to launch a digital bank or payment business anytime soon? Getting ready to apply for a Payment or Electronic Money Institution license? You may not know many things. Therefore, before you start your Payment or E-Money Institution, we recommend you reading this article to find out what kind of costs you will face in the future. ...
14 April 2022 /payments /startups Fintech
We can see the recovery of the fintech industry is back on the agenda. It has been gradually getting back on its feet after the pandemic and gaining the momentum to take businesses forward. According to the Report State of Fintech (CB Insights, 2021), global fintech funding reached a record $132B in 2021, which means twice as much as in 2020, and a...
29 March 2022 /payments /startups Fintech
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