FIELD 02
FinTech
Payments, core banking, digital lending, regulatory technology.
This is the field where the order of the questions matters most. Everywhere else you can build the commercial case and check the regulation afterward. Here, doing it in that order is how twelve months disappear.
What decides it here
Permitted before wanted
Demand and permission are separate questions with separate answers, and the second one has a longer queue.
Who holds the licence in the end
Whether it sits with you, with a local institution, or with a partner you have not met yet changes the entire economics — usually decided before anyone thinks to negotiate it.
How supervision behaves, not what it says
Published rules describe the framework. Practice describes what will actually happen to your file. The two are not in conflict, but only one is written down.
WHERE THIS FIELD IS IN DEMAND
Strongest Into Iraq, where the banking and payment build-out is live. Increasingly relevant Into Europe, where Iraqi institutions look for European technology partners, and steady in Germany ↔ Poland.
HOW THIS IS CHARGED
Assessment work at a fixed fee. Mandates on an engagement fee plus a success-based component. Scope and number are set in the proposal.