Guides to launching banking products: a neobank without a banking licence, business accounts with expense cards, teen banking, gold savings and super apps.
5 articles
Who holds the account, how parents pass KYC and give consent, card controls, why there is no credit, and the rules on children's data and marketing in the EU, the UK and the UAE.
Paynoramic's Head of IT8 min read
Your own e-money licence, an EMI's agent, a partner bank or a bank licence: how each route works, who holds the money, and what safeguarding and deposit protection cover.
Paynoramic's Head of IT7 min read
The account, the cards and the controls around them: what a business account with expense cards needs, from licensed partners and KYB to SCA and the interchange rules for commercial cards.
Paynoramic's Head of IT8 min read
How an app that sells gold by the gram works: allocated or unallocated metal, vault partners, the LBMA Gold Price, redemption, AML for gold dealers and VAT in the EU, UK and UAE.
Paynoramic's Head of IT8 min read
A super app is several regulated businesses behind one sign-up. The licence behind each product in the EU, UK and UAE, the order to launch them, one ledger, the Consumer Duty and app review.
Paynoramic's Head of IT9 min read
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