Fintheo

Fintheo is a consultant for licensing payment and e-money projects, and it describes support for FCA applications and for answering the regulator's questions.

Services

The listed services are EMI and PI licensing, preparation of the FCA application, communication with the regulator, and safeguarding and banking infrastructure. In the United Kingdom, electronic money institutions and payment institutions are authorised by the Financial Conduct Authority. A common source of delay is the stage after submission, when the FCA asks follow-up questions, so support with that dialogue is a notable part of the offer.

Additional support

The firm also mentions help with finding directors and managers, safeguarding arrangements for customer funds, banking software and the infrastructure of a payment business. This suggests an adviser who stays involved beyond the application, into the build of the operating model.

Market

The only stated jurisdiction is the United Kingdom. Legal entity details, fees and timelines are not published and should be asked about early, along with who on the team has handled FCA authorisations directly.