Regulation & Compliance
As financial services evolve, so do regulatory demands. Fintech Review tracks global regulation trends, compliance challenges, and legal frameworks such as PSD2, GDPR, and MiCA, providing insights on navigating risk and maintaining trust in a digital economy.
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dLocal and Cleeng Boost Brazilian Digital Content Market
The new partnership between dLocal and Cleeng gives Brazilian subscription services and digital content providers an edge. They can now offer local payment methods like PIX, enhancing customer experience. This move streamlines subscription billing and payments, catering to local preferences. More than just customer convenience, integrating local payment methods respects and understands local culture and…
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Green Dot Joins Workday Program to Boost Payroll Solutions
Green Dot (NYSE:GDOT) recently joined the Workday Partner Program. This partnership, in collaboration with its wage and disbursements division, rapid!, will allow Green Dot to offer comprehensive payroll and payment solutions, including earned wage access (EWA). Notably, this partnership includes EWA solutions. These are designed to streamline operations, improve employee retention, and promote financial wellness.…
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2025 Sees Fourfold Surge in Global Regulatory Fines
The value of regulatory fines on financial institutions globally has alarmingly quadrupled in the first half (H1) of 2025, compared to the same period last year. Regtech Fenergo recently disclosed this data. This spike hints at an increased focus on regulatory compliance, particularly among digital assets firms. Interestingly, the spike in fines isn’t uniform. Digital…
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Journify Eyes Saudi Expansion with AstroLabs Partnership
AI-powered customer data solution provider Journify is strategically expanding its international reach to Saudi Arabia. A partnership with business expansion platform AstroLabs facilitates this expansion. The goal is to boost Saudi brands’ reach by harnessing the power of AI and data to improve customer experiences. This move marks a significant milestone for Journify in its…
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Airwallex Chosen as Key Partner by Fintech Firm Pipe
Airwallex, a global payments platform for growing businesses, has recently joined forces with Pipe, a fintech firm providing embedded capital products to small businesses. This noteworthy collaboration aims to enhance Pipe’s international operations. Pipe’s choice of Airwallex highlights their commitment to using advanced fintech solutions to scale their operations. It also reinforces Airwallex’s emerging status…
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Austrac Orders Binance to Undergo External Audit
The Australian Transaction Reports and Analysis Centre (Austrac) has taken a firm stance against Binance, the world’s largest cryptocurrency exchange. Austrac is now demanding an external audit of Binance’s Australian operations, a sign of increased scrutiny in the crypto industry. In light of potential money laundering concerns, Austrac is stepping up its monitoring of cryptocurrency…
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Top Asset Firms Submit S-1 for XRP Spot ETFs
On August 22, 2025, six leading asset management firms took a significant stride in the fintech industry. Bitwise, Canary Capital, CoinShares, Franklin Templeton, 21Shares, and WisdomTree filed updated S-1 registration statements with the U.S. Securities and Exchange Commission (SEC). They did this for their proposed XRP spot exchange-traded funds (ETFs). The filing of these registrations…
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Dutch Bank bunq Faces €2.6M Fine Over AML Failures
The Dutch Central Bank has imposed a hefty €2.6 million fine on European digital bank bunq. This penalty stems from significant shortcomings in bunq’s anti-money laundering (AML) and counter-terrorism financing (CTF) measures. This fine underscores the increasing regulatory scrutiny faced by challenger banks. The recent announcement of the fine puts fintech firms under pressure to…
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Tokenization Pioneers a Revolution in Digital Finance
The world of digital assets is currently undergoing a significant transformation. Leading this change is Tokenization, a groundbreaking technological advancement. Today, it’s seen as a key driver for digital finance progress, even surpassing the influence of blockchain or distributed ledger technology (DLT). Tokenization is the process of converting physical assets into digital tokens on a…
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The Role of AI in Risk Management: A New Era for Fintech
Artificial intelligence is not just enhancing customer experience in fintech, it is fundamentally reshaping how risk is assessed, monitored, and mitigated. In an industry where trust, compliance, and stability are critical, AI in risk management is emerging as a transformative force. Understanding how AI is changing risk management is essential for fintech founders, financial leaders,…
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Regulatory Sandboxes Explained: A Safe Space for Fintech Innovation
The financial industry is heavily regulated, for good reason. Safeguards protect consumers, ensure market stability, and maintain trust. However, strict regulations can sometimes stifle innovation, especially for fintech startups trying to disrupt the status quo. This is where the concept or regulatory sandbox comes in. Regulatory sandboxes are structured environments where fintech companies can test…
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AI-powered Compliance in Fintech: Smarter, Faster, More Accurate
Compliance has always been a central challenge in financial services. However, the rise of AI-powered compliance is reshaping how fintechs approach regulatory requirements, risk management, and operational resilience. As the pace of innovation accelerates, traditional compliance methods struggle to keep up. Manual processes, legacy systems, and siloed data cannot scale in a world of real-time…
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Should The UK Make a Move for a Stronger Cryptocurrency Position in 2025?
By Peter Curk, CEO of ICONOMI It’s a time of change in cryptocurrency sector. With the introduction of the European Union’s (EU) Markets in Crypto-Assets (MiCA) regulation, there’s a sense of uncertainty. So used to playing outside of the rules, crypto companies are suddenly finding themselves under scrutiny and restricted, at least within Europe. Industry…
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Artem Lyashanov: A Close Look on DORA Provisions, EU and Ukrainian Experience
January 17, 2025 was a deadline for the implementation of the new Digital Operational Resilience Act (DORA) in the EU. This regulatory act establishes a number of important requirements financial institutions are obliged to follow – both EU residents and companies with a different registration, but which provide their services on the EU territory. Including…
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The Impact of Regulatory Frameworks on Fintech Growth in Emerging Markets
Emerging markets have become a hub for fintech innovation. With their growing economies and youthful populations, these regions present significant opportunities. However, regulatory frameworks in these markets vary widely, influencing how fintech companies evolve and scale. Supportive Regulations: A Catalyst for Growth Supportive regulations can significantly enhance fintech growth. They encourage innovation, attract investment, and…
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Regulatory Challenges in Cryptocurrency Taxation Across Different Jurisdictions
Cryptocurrencies have rapidly gained prominence over the last decade, presenting both opportunities and challenges for individuals, businesses, and regulators alike. As digital assets become more widespread, taxation laws are being shaped and adapted to accommodate them. However, the taxation of cryptocurrencies is a complex matter, with varying approaches and inconsistent frameworks across jurisdictions. Governments are…
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The Future of AML and KYC in 2024: Insights from Consumer Research on Digital Identity Verification
By James Roberts, Digital Marketing Manager at FullCircl. A new focus on digital identity verification As the financial landscape continues to evolve, the importance of Anti-Money Laundering (AML) and Know Your Customer (KYC) processes has never been more pronounced. These protocols are integral to combating financial crime and ensure regulatory compliance. However, in 2024, the focus…
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RegTech in 2024: Tools and Trends for Compliance
Regulatory Technology, or RegTech, has emerged as a crucial ally for financial institutions navigating the intricate landscape of compliance. In 2024, advancements in RegTech are revolutionizing how firms manage regulatory requirements, leveraging innovations such as AI-driven monitoring and big data analytics to enhance efficiency and transparency. AI in Monitoring and Reporting: Transforming Compliance Operations Artificial…
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What are CBDCs?
Central Bank Digital Currencies (CBDCs) are increasingly shaping the future of money. They represent a digital form of a country’s official currency, issued and guaranteed by its central bank. Unlike decentralised cryptocurrencies such as Bitcoin, CBDCs are centralised, sovereign-backed and legal tender. Their rise is fuelled by declining use of cash, growing digitalisation of payments,…
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Regulatory Challenges in Fintech: Balancing Innovation and Consumer Protection
The fintech industry, a dynamic and rapidly evolving sector, is revolutionising the traditional financial landscape. With innovations like mobile banking, digital wallets, and blockchain technology at the forefront, fintech is leading a financial revolution. However, this rapid growth brings significant regulatory challenges, primarily in balancing the need for innovation with the imperative of consumer protection.…
