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Fyora

Insights

Fintech & digital banking insights

Practical articles on launching and running digital banking products, compliance and payments.

Fyora cover: PSD3 and the end of the EMI licence, with a schematic linking EMD2, PSD3, PSR and the Instant Payments Regulation
Regulation

PSD3 and the End of the EMI Licence: What Changes and When

PSD3 and the PSR are agreed but still not law. Here is what changes for EMIs and payment institutions, when the deadlines land, and what to build while Brussels finishes the paperwork.

· 10 min read

Fyora cover: white-label vs in-house core banking, with a schematic of build, buy and hybrid paths
Strategy

White-Label vs In-House Core Banking: How to Choose

Every fintech reaches the same fork: build the banking stack yourself or launch on a platform that already works. Here is how to decide without guessing.

· 6 min read

Fyora cover: the technology checklist for launching an EMI or payment institution
Launch

Launching an EMI or Payment Institution: The Technology Checklist

Your licence application describes systems you will run. This checklist covers the technology an EMI or payment institution needs in place before the first customer arrives.

· 7 min read

Fyora cover: KYC, KYT and risk scoring built into the banking stack
Compliance

KYC, KYT and Risk Scoring: Building Compliance Into Your Banking Stack

Compliance bolted on after launch is slow and expensive. Here is what it looks like when KYC, transaction monitoring and risk scoring are part of the platform from day one.

· 6 min read