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When you’re ready to buy or sell a payment institution in the UK , you’re making one of the biggest decisions in fintech. Whether you’re looking at a Small Payment Institution (SPI) or an Authorised Payment Institution (API), understanding the market can save you months of time and thousands in
Published: January 22, 2026 The UK payments industry just put its cards on the table. The Payments Association released its 2026 manifesto at the House of Commons with 77 policy recommendations that could reshape how payment institutions operate over the next two years. If you’re running a payment business, or
Last updated: 17 January 2026 Prime Minister Keir Starmer has made it official: financial services won’t be part of the UK’s push for closer alignment with the EU. While the government’s talking about “selective alignment” in other areas, the City of London and payment firms are staying outside that conversation.
The cross-border payments landscape is shifting faster than most people realise. If you run a small payment institution (SPI), authorised payment institution (API), or money service business in the UK, the next 12 months will fundamentally change how you operate and compete. Industry data shows three big things happening right
A lacuna tecnológica entre o que as empresas de pagamento da Fortune 500 oferecem e o que uma EMI de 20 pessoas pode construir realisticamente ficou muito menor. Se você administra uma pequena empresa de pagamentos há alguns anos, provavelmente já teve essa conversa mais vezes do que gostaria de
A taxa de aprovação da FCA para licenças de Pequenas Instituições de Pagamento caiu de 85% para 70% em dois anos e, se você planeja se inscrever, precisa saber o que mudou. Aqui está algo que pode surpreendê-lo: obter uma licença SPI costumava ser relativamente simples. Em 2023, cerca de
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