Compliance Services for FinTech Across Europe
Fintechs move fast, and European regulation decides how far. ABM Global Compliance supports fintech businesses across the EU with licensing strategy, regulatory perimeter analysis, AML frameworks, and ongoing your compliance, matching your regulatory foundations to your product roadmap so growth never stalls on a licence you should have secured earlier.
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Regulation Decides What FinTechs Can Build
Every fintech eventually meets the regulatory perimeter. Payment features need PI or EMI authorisation, investment products trigger MiFID II, crypto services now require MiCA authorisation, and lending brings its own national regimes. Choosing the wrong licence, or discovering late that you needed one, costs quarters of runway, while over-licensing burns capital on obligations your model never required.
The challenge compounds with growth: partnerships and banking-as-a-service arrangements raise oversight questions, new markets mean passporting or fresh authorisations, and investors increasingly examine regulatory foundations during diligence. Fintechs need compliance partners who understand both the technology business model and the licensing map, and can keep the two aligned as products and jurisdictions multiply.
How We Support European FinTechs
Our services follow the fintech journey: regulatory perimeter analysis and licensing strategy, PI, EMI, MiFID, and MiCA authorisations, AML/CFT frameworks calibrated to digital onboarding, safeguarding design, compliance monitoring, partnership and outsourcing compliance, and training, all scaled to your stage and roadmap.
MSP/MSB Compliance
MSB licensing, AML/CFT compliance frameworks, and ongoing regulatory support for money services businesses.
Crypto & Blockchain Compliance
MiCA authorisation, Travel Rule compliance, and financial crime frameworks for cryptoasset service providers.
Banking Compliance Advisory
Regulatory reporting, governance, and financial crime compliance frameworks for banks and credit institutions.
Capital Markets Compliance
MiFID II compliance, market abuse controls, and licensing support for European investment firms.
E-Money Compliance
EMI and payment institution licensing, safeguarding arrangements, and ongoing regulatory compliance support.
Unsure Where to Start?
Book a consultation and our specialists will map the right compliance path forward.
Why FinTechs Across Europe Choose ABM
Licence Strategy
Perimeter analysis and licensing choices matched to your product roadmap, not templates.
Startup Speed
Regulator-ready applications and your frameworks delivered at the pace your runway demands.
Growth Ready
Compliance foundations that scale through new products, markets, and funding rounds every time.
Ready to Strengthen Your Compliance?
Trusted and Loved by Our Clients Across the Europe
Businesses across Europe trust ABM to guide their licensing, strengthen their frameworks, and keep their compliance on track. Here is what founders, compliance officers, and executives say about working with our team.
Years Of Expertise
Trusted Expert Guidance, Just One Message Away
Tell us about your business and regulatory needs. One of our compliance specialists will respond within one working day with clear, practical next steps.
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A confidential conversation about your licensing plans, compliance challenges, or regulatory questions, with no obligation attached.
FinTech Compliance Questions Answered
Which licence does my fintech need?
It depends on your activities: payments suggest PI or EMI authorisation, investments trigger MiFID II, crypto requires MiCA, and lending varies nationally. We map this first.
When should fintechs engage compliance support?
Before building regulated features. Early perimeter analysis prevents costly redesigns, licence surprises during fundraising, and launches delayed by authorisations that started too late.
Do fintechs need full compliance teams?
Not immediately. Many scale using external specialists for your frameworks and monitoring while building internal capability gradually as volumes and obligations grow.
How long does fintech authorisation take?
Typically six to twelve months for PI and EMI licences depending on jurisdiction and application quality, with preparation time on top. Early planning shortens everything.
Can you support banking-as-a-service models?
Yes. We advise both platforms and partner institutions on the licensing, oversight, and contractual compliance arrangements BaaS relationships genuinely require every time.