Regulation, translated into business decisions
Regulatory change hits revenue before it hits the rulebook
MiCA, PSD3 and the Payment Services Regulation, DORA and the new EU AML package are changing what banks and payment partners expect from fintech and payments businesses. Partners update their risk appetite as soon as new rules are announced – often long before enforcement starts.
For most companies, the real risk is not a fine. It
For most companies,
is a bank reducing limits, an acquirer pausing onboarding or an investor delaying a round because a compliance gap surfaced at the wrong time.
the real risk is not a fine. It is a bank reducing limits, an acquirer pausing onboarding or an investor delaying a round because a compliance gap surfaced at the wrong time.
Practical regulatory guidance for growing businesses
Where we advise most often
PSD2, PSD3, PSR, EMD2
MiCA, Transfer of Funds Regulation
DORA, ICT and outsourcing requirements
AMLR, AMLD6 and the new EU supervisory framework
disclosure, complaints handling, conduct rules
fit and proper requirements, internal control functions
Project-based or ongoing – depending on what you need
Scoping
CapitaLogic agrees the regulatory questions, business areas or deadlines in focus.
Review
We analyse your documentation, processes and the applicable rules.
Findings
CapitaLogic Consulting receives a clear report: what works, what needs to change and what to prioritise.
Follow-through
We support implementation and stay available for ongoing questions under a retainer.
Fewer surprises. More room to grow
Banking and payment partners that stay confident in your controls
No unplanned pauses to onboarding, limits or product launches
Regulatory change built into your roadmap, not bolted on at the last minute
A clear, documented view of regulatory risk for your board and investors
Often combined with
AML & KYC Advisory
strengthening the controls banks review most closely.
Licensing & Market Entry
extending your licence or entering new markets.
Fintech Consulting
adapting your business model to new requirements.
Stay ahead of changes that affect your partners
Tell us which regulations concern you most. CapitaLogic team will outline what they mean for your business and banking relationships – and what to do next.