Pieces from the team on what we’re seeing in the field — regulation, AI explainability, corridor strategy and the operational shape of regulated growth.
Pieces from the team on regulation, AI in compliance and operator playbooks. New posts most weeks.
Payment firms that treat safeguarding as an annual audit exercise are confronting a structural mismatch. The FCA’s Policy Statement PS25/12 rewires the regime from periodic reconciliation to continuous, daily evidence.
The UAE’s exit from the FATF grey list in February 2024 marked the end of a three-year transformation programme, not the end of the compliance journey for payment firms operating across the Gulf.
The European Parliament and Council reached provisional political agreement on the third Payment Services Directive and its companion Payment Services Regulation on 27 November 2025. Formal adoption now reshapes the operating regime for every EU PI and EMI.
Payment firms devote serious management attention to top-line growth through acquisition, product expansion and geographic entry. They devote far less attention to the revenue already in the system, and the leakage compounds quietly.
The first generation of neobanks — Monzo, Revolut, Starling, N26, Bunq — built their positions through product design and user experience. The second generation is being built or broken by the core banking decisions underneath.
Saudi Arabia has run one of the most structurally significant digital-payments transitions of any major economy. Vision 2030’s 70% non-cash target was largely met two years ahead of plan, and SAMA’s framework now defines the entry rules.
The fundamental problem in transaction monitoring is not insufficient technology investment. It is investment in the wrong architecture — and the false-positive ratio every compliance officer quietly tolerates is the evidence.
The BaaS market is projected to grow from about $7 billion in 2024 to between $25 billion and $66 billion by 2030. The wide range is not estimator noise — it reflects how differently the underlying economics work depending on what is being sold.
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