FinTech Services
Structured advisory support for growth, partnerships and licensing
FinTechs operate in an environment where regulatory classification, partner due diligence and governance expectations directly affect speed to market and scalability. msg for banking supports FinTech management teams at these critical decision points, from early-stage orientation to partner readiness, operational execution and EU licensing preparation. Our services are modular, stage-aligned and focused on delivering clear, implementable outcomes.
Experience Across FinTech Models and Regulatory Environments
msg for banking has supported numerous FinTechs across payments, digital assets, lending, embedded finance and platform-based models in diverse regulatory and partner environments. Our team combines regulatory, supervisory and operational expertise to deliver structured and scalable support. We deploy proven accelerators, including regulatory classification frameworks, partner due diligence templates and governance documentation packs, to ensure efficient and consistent execution.
Qualifications
Our team combines deep financial services expertise with practical experience in supporting FinTech growth. We understand how regulatory expectations, partner requirements and investor scrutiny intersect, and how they influence speed to market and scalability. Our advisory approach translates these external demands into clear, structured and implementable solutions that enable FinTechs to grow without unnecessary friction.
Insight: Founder Guidance for FinTechs
A concise decision-oriented guide for FinTech management teams navigating go-live, partner onboarding and early regulatory considerations. The paper outlines typical growth bottlenecks, key prioritisation questions and structured next steps, based on practical experience across multiple FinTech models.
Structured Solutions for Go-Live, Partnerships and Growth
Partner Readiness Support
Targeted preparation for bank, EMI, investor and enterprise due diligence. We structure documentation, controls and governance in a way that meets partner expectations.
Execution Support
Operational assistance when decisions are clear but internal capacity is limited. We support implementation, documentation and coordination with stakeholders.
Licensing Support
Structured guidance for FinTechs evaluating or pursuing EU licensing. From classification assessment to supervisory interaction, we ensure disciplined preparation.
Case studies
From onboarding challenges to first-time account approval
A Swiss payment service provider had several unsuccessful attempts at opening an account with a German bank. The business model was sound, but the documentation did not meet the bank’s internal compliance requirements. We compiled the full onboarding dossier: transaction flows, AML framework, governance structure and risk assessment.
→ Account opened, first attempt, no queries. The company was able to meet its go-live deadline.
Licensing without rework: How a FinTech built a regulator-ready KYC framework
A FinTech company offering money transfer and merchant payment services faced a complex regulatory question: who needs to be identified and who does not? The distinction between customers and transaction counterparties was unclear, and there was no AML framework in place. We developed a licensing strategy, a risk-based KYC framework and a comprehensive business plan, tailored to both product lines.
→ Regulatory classification clarified, BaFin submission prepared. The company avoided costly rework during the ongoing process.
From assessment to submission readiness: Preparing a WpIG license without detours
An established financial services provider wished to obtain regulatory authorisation for its investment services and was seeking a partner to provide structured support throughout the entire process. The company lacked in-house expertise regarding the BaFin process. We prepared all the necessary documentation, coordinated communication with BaFin, and developed operational processes and role definitions for day-to-day operations.
→ Full submission documentation and operational setup delivered. The company was ready, both from a regulatory and operational perspective, to commence licensed operations.
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Your contact persons
has many years of experience in compliance, regulatory consulting, and the optimization of control processes for financial institutions, and heads the Governance & Regulatory Advisory division.
has over ten years of consulting experience at the intersection of business and IT, focusing on the implementation of regulatory requirements in payments and fintech environments, with a strong emphasis on translating complex regulations into scalable, technology-driven solutions.
has many years of experience in the areas of governance, risk & compliance, data management, advanced analytics and corporate performance management, and is founder of the consulting and technology company msg Rethink Compliance.