Regulatory & Licensing Advisory

We provide end-to-end advisory support to financial institutions, FinTechs, startups, payment facilitators, aggregators, and similar entities seeking to navigate the complex licensing and supervisory landscapes of both developed and emerging markets.

Our services include advisory on EMI licensing, digital bank readiness assessments, PSO/PSP regulatory alignment, structured regulatory sandbox participation, and broader regulatory interpretation and compliance readiness.

We bridge policy intent with operational execution—ensuring that institutions meet regulatory expectations while building scalable, future-ready digital financial institutions grounded in safety, security, efficiency, and responsible innovation.

Case Study

EMI vs. PSO/PSP Licensing Readiness Assessment

Client Type

International firm intending to apply for licensing from the State Bank of Pakistan.

Challenge:

Limited understanding of domestic regulatory frameworks and supervisory expectations.

Approach:

Conducted a comprehensive assessment of the firm’s business model against regulatory frameworks for EMIs, PSO/PSP entities, digital banks, and branchless banking institutions. Developed a structured licensing pathway and regulatory readiness roadmap.

Outcome:

Enhanced licensing readiness, strengthened compliance posture, and facilitated more informed engagement with the regulator.