Expert advice you can depend on, coming from years of experience.

Holistic fintech was created by payment, risk and IT professionals with many years of experience in their field.  Our experts can provide advice and assistance in a number of challenging areas, such us EMI/PI licensing and regulatory compliance, card payments, alternative payments, security and privacy and IT architecture design and integrations.

We consult on:

  • SEPA Payment Services
  • We have documented and tested processes regarding Integration with third parties that have access to the SEPA mechanisms that provide:
    • Direct Debits
    • Credit Transfers
    • Instant Credit Transfers
  • Regulatory/Compliance Reporting Services
    • We have the experience of providing solutions regarding the Regulatory Reporting obligations of Financial Institutions such as:
      • Foreign Account Tax Compliance Act (FACTA)
      • Common Reporting Standard (CRS)
  • PSD 2 Compliance
    • The EU Payments Services Directive (PSD2) imposes major operational and technological challenges to payment Institutions. The biggest technological challenge being the opening of specific business operations to third parties via APIs. We consult on both the operational and technology part of the PSD2 adoption and provide customized solutions.
  • Electronic Money Institution Licensing
    • We provide the road map, produce the necessary documentation and manage all the steps that lead to the successful submission of an EMI/ Payment Institution license to the competent authority.
  • VISA Master Card and alternative payments
    • Our expertise in the Credit card/ Alternative Payments industry will help you navigate the Credit Card/ Alternative payments landscape to provide the solution that suits your business plan. Whether your business is issuing of prepaid cards, e-Wallets or merchant acquiring we have the knowledge and the right tools to reach your objectives
  • Digital transformation
    • Complying with constantly changing regulations and constantly changing customer needs can be a daunting task. The task can be completed faster and cheaper by securely integrating existing systems with third party services. We provide advice on IT architecture and integration solutions.