FintekConsulting

Fintech Consultancy Services

Launch and Scale Your Fintech with Confidence

At FintekConsulting, we empower financial institutions and fintechs with expertise in payments, card issuing, compliance, and Core Banking Systems. With decades of hands-on experience in regulated environments, card scheme integrations, and platform development, we help businesses build scalable, compliant, and innovative financial solutions.

Payments Solutions

We help businesses design and implement robust payment infrastructures that meet both operational and regulatory demands.

 

  • Payment Accounts Setup – Enabling IBAN-based payment accounts with full payment functionalities (SEPA Credit Transfers, SWIFTNet Messaging, SDD, Verification of Payee).

  • Core Banking System Implementations – Expertise in implementing leading platforms for scalable payment processing.

  • EPC SEPA Schemes – From EPC membership to STEP2 and RT1 clearing and settlement for seamless fund transfers.

  • SWIFT Connectivity – Implementations for connected BIC enabling SWIFTNet messaging.

  • Open Banking & PSD2 – Design and implementation of APIs, third-party gateways, and secure authentication flows for regulatory compliance.

  • Clearing and Settlement Mechanism Integrations – Intergrations with CSMs such as Bank of Lithuania Centrolink, Central Bank of Malta MTEuropay etc. 

Card Issuing & Processing

Comprehensive expertise in launching and scaling card programs for banks and fintechs.

 

  • Debit & Prepaid Card Programs – End-to-end project management from BIN sponsorship, principal membership to scheme (Mastercard and Visa) certification.

  • EMV & Contactless Solutions – Expert configuration and certification for EMV Chip profiles.

  • 3DS 2.x & SCA Compliance – Full migration and policy setup for PSD2-compliant authentication.

  • Card Management Systems (CMS) – Technical and operational management of issuing CMS platforms.

  • Processor & Vendor Management – Selection and integration of leading card processors.

  • Chargeback, Fraud & Risk Management – Operational frameworks to reduce disputes and manage fraud effectively.

Regulatory & Compliance Advisory

We guide financial institutions through complex regulatory frameworks, ensuring operations are fully compliant.

 

  • MFSA, FIAU & EBA Expertise – Regulatory guidance for payment and electronic money institutions.
  • AML/CFT Procedures – Risk-based frameworks for KYC, EDD, ongoing monitoring, and sanctions screening.
  • Financial Crime Mitigation (FCM) – Implementation of automated tools for AML and PEP screening.
  • PSD2 & RTS Implementation – Full support for technical and operational adherence to EU regulations.
  • License Applications & Extensions – From initial application to license expansions for issuing, acquiring, and remittance services.

Why Choose Us

  • Proven Track Record – Hands-on experience in building licensed financial institutions from the ground up.
  • Deep Technical Expertise – End-to-end knowledge of payment and card transaction lifecycles.
  • Regulatory Insight – Strong relationships and experience working with EU regulators and card schemes.
  • Scalable Solutions – Future-proof architectures for fintech growth.

 

20+

Decades of Industry Expertise

24/7 Expert 

Business Support Around the Clock