Commentary on licensing, AML compliance, Swiss SRO affiliation, vendor selection and the wider fintech industry. New posts are added as significant developments happen.
A practical walkthrough of when SRO affiliation is sufficient and when a business tips into needing a FINMA Fintech or banking licence.
Why safeguarding and outsourced-agent oversight remain the two areas regulators scrutinise hardest — and what a strong application addresses upfront.
A practical comparison of timelines, capital requirements and passporting trade-offs for founders choosing between the two most common EMI routes.
A look at how regulatory change-of-control approval actually works, and why it can't be shortcut regardless of what a broker promises.
Scoring criteria that actually predict how a vendor performs under your real transaction volumes and risk profile.
A recurring pattern across licensed entities: policy documents that were accurate at authorisation but no longer describe how the business actually runs.