Blogs

Business Risks when UK fintechs under-invest in seasoned compliance & financial-crime talent. Fintechs move fast — product cycles measured in weeks, capital raised on momentum, customers onboarded at scale. That speed is an asset, but it becomes a liability if the people charged with keeping the business lawful and safe don’t have the experience to match. In the UK — with a dense regulatory environment, active enforcement by the FCA and other bodies, and a complex global payments and AML landscape — the consequences of under-experienced compliance and financial-crime teams are material, immediate, and often expensive.

The UK fintech landscape is seeing a surge in regulatory activity, with new rules and elevated expectations from the FCA, Bank of England, and HM Treasury. While still a global fintech hub, firms handling money or data must prioritize safety, transparency, and reliability. Key concerns for 2025 include operational resilience, ensuring critical services remain functional during disruptions like cyberattacks. This demands more than just backups; startups need to identify critical services, rigorously test recovery plans, and establish clear incident communication protocols.

Boogi is a cutting-edge embedded cashback and loyalty platform that helps fintechs boost engagement by turning everyday spending into instant rewards. Leveraging Open Banking transaction data, Boogi connects cardholders to personalised cashback offers from 1,000+ UK and US brands. With a single API integration, fintechs can track qualifying purchases, match them to relevant offers, and automate payouts — driving higher card usage, customer loyalty, and revenue. Paired with Integrated Finance’s workflow automation and real-time ledger, Boogi becomes plug-and-play: transactions flow seamlessly into Boogi for reward calculation, payouts are instantly credited, and all activity is securely recorded for compliance and accounting. Together, Boogi and Integrated Finance enable fintechs to launch competitive cashback programs faster, simpler, and with maximum impact.

Discover how modular Banking-as-a-Service (BaaS) lets fintechs launch without an EMI licence. Learn how Integrated Finance enables fast, compliant market entry

Flagright has partnered with Integrated Finance, a fintech infrastructure platform, to simplify how teams integrate compliance and core banking workflows

The world of financial compliance is ever-changing, with new regulations changing the way that financial information is handled. This can make it difficult for businesses to keep up, especially startups – or new Fintech players – with limited resources.

ASPSPs are key players in the realm of financial technology and a key to open banking. They ensure secure and efficient payment transactions. Let's take a closer look at ASPSPs to better understand why they are so imperative in today's financial system.

When it comes to finance, it's important to know the difference between SWIFT and local payment types. These are vital components for both international and domestic transactions. In this article, we'll cover what they are, what they can do, and how they work.

Peer-to-Peer (P2P) payments have revolutionised consumer finance, offering a lifeline to those who have struggled with traditional banking. By facilitating fund transfers between parties, P2P payments have opened up a world of possibilities for consumers and businesses alike. Since the inception of the technology, the adoption has ballooned.

If you want to outshine the competition, understanding the nitty-gritty of foreign exchange (FX) and revenue generation is key. Fintech companies that rock at optimising their FX strategies and revenue models can gain advantages in the market.

The success of your business relies heavily on making informed financial decisions. While it may seem daunting – gathering all of the data, plotting, and planning – identifying potential risks and addressing them early on can save you from costly troubles down the road.

When it comes to FCA authorisation, fintechs in the UK face a critical decision - whether to pursue the direct authorisation (DA) or the appointed representative (AR) route. This article will help you understand where each route fits, so you can make an informed decision as you navigate the path to authorisation. Weighing the advantages and disadvantages of DA and AR will help you decide which route is most suitable for your startup.