Regulatory scope
Define the target licence, payment services, e-money activities, territories, partners, outsourcing model and commercial assumptions.
Licensing
Regulatory licensing
Licensing for Payment Institutions and EMIs
Structured support for fintech founders and financial groups preparing Payment Institution, Electronic Money Institution, and related regulatory applications.
Application readiness
From licensing strategy to launch operations
Modular Fintech helps teams prepare the operating model, compliance framework, technology narrative, governance pack, and application evidence needed for a regulated payments or e-money business.
Governance pack
Prepare board structure, senior management responsibilities, fit and proper evidence, committees, reporting lines and control ownership.
Compliance framework
Cover AML, CTF, sanctions, onboarding, complaints, incident management, data protection and audit readiness.
Technology narrative
Document architecture, data flows, payment rails, outsourcing, cyber controls, continuity and resilience arrangements.
Safeguarding model
Set client funds segregation, reconciliation, safeguarding accounts, daily controls and escalation procedures.
Application delivery
Coordinate the document tracker, evidence collection, application drafting, regulator Q&A and remediation tasks.
Licence pathways
PI, EMI and regulated fintech models
Use this page for companies that need a licensing roadmap before they invest in infrastructure, partner banking, or market launch.
Payment Institution
- Payment account services
- Money remittance and acquiring
- Payment initiation and account information
Electronic Money Institution
- Wallet and stored value products
- E-money issuance and redemption
- Safeguarding and reconciliation controls
Operational setup
- Banking and payment partner readiness
- Compliance tooling and policies
- Ongoing regulatory obligations
Delivery plan
A practical licensing route
01
Readiness assessment
Review the business model, target jurisdictions, product scope, team structure, technology stack and control gaps.
02
Application evidence pack
Prepare policies, governance materials, business plan, financial projections, risk registers and operational procedures.
03
Regulator response support
Coordinate clarifications, additional evidence, remediation tasks and final readiness checks before approval.
04
Post-approval launch
Align compliance operations, reporting, safeguarding, monitoring, incidents, audit trail and board oversight.