Insights hub

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.

Founders, learn how to launch a fully functional neobank across the UK and EEA using Integrated Finance. Issue accounts, cards, and payments without holding your own licence.

Discover how Integrated Finance enables stablecoin remittance platforms to operate compliantly with GBP and EUR virtual accounts, pooled treasury management, and seamless orchestration.

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

 Integrated Finance & Tillo — Embedded Rewards & Incentives Orchestrated at Scale

 Integrated Finance & ComplyAdvantage — Real‑Time Risk Intelligence Orchestrated at Scale

How we think about our marketplace and helping our customers build and scale their businesses

How companies can use Integrated Finance (IF) for financial infrastructure—such as account issuing, payments, and card processing—while using Flagright for compliance and risk management

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

Unlike traditional banking services that operate in closed environments, open banking decentralises financial services by mandating standardised data formats and secure communication protocols