EMI Unit Economics in Czechia (2026)
Wallets, Cards & Payouts Under CNB Reality EMI unit economics look “simple” until you build them for Czechia and realize the Czech National Bank (ČNB/CNB) doesn’t care about your pitch deck. CNB cares whether your model is auditable, evidenced, and operationally controllable from Day 1: onboarding controls, AML monitoring, safeguarding operations, and governance that survives […]
Building a credible 3-year financial model for an EMI (assumptions, stress cases, burn rate, break-even)
A “credible” EMI model is not a pretty spreadsheet. It’s a traceable story where volumes → balances → revenue → costs → capital/own funds → liquidity and safeguarding operations all reconcile, and where downside cases don’t magically disappear. Supervisors across the EU consistently point to one core delay driver in authorisations: application quality and how […]
EMI IT Stack Blueprint
EMI IT Stack Blueprint: Core Ledger, KYC, Transaction Monitoring, Case Management, Reporting, Card Processing In 2026, an EMI’s tech stack is judged less by “nice features” and more by whether it produces audit-ready evidence: correct balances, traceable flows, controlled outsourcing, resilient operations, and repeatable reporting. A credible stack is one that can prove—at any time—what […]
Common reasons EMI applications get delayed (and how to avoid rework)
Most EMI delays aren’t caused by “slow regulators.” They’re caused by one thing: the application is not assessable as submitted. PSD2 is explicit that the authority communicates its decision within 3 months of receiving an application — or, if incomplete, within 3 months of receiving all required information. In other words, the clock is effectively […]
EMI passporting across the EU
How to expand from Czechia into other Member States (agents/branches, notifications, governance) A Czech Electronic Money Institution (Electronic Money Institution, EMI) can, in principle, scale across the EEA without obtaining a new licence in every country — but only if the expansion is built within a formal passporting procedure and a correct operating model. In […]
EMI Licence in the Czech Republic: 2026 Guide
Why Czechia in 2026 In the Czech Republic, obtaining an EMI License for an Electronic Money Institution is supervised by the Czech National Bank (ČNB / CNB) under the Payment System Act. The application for an emi license is handled as a formal administrative procedure and must be submitted electronically via the applicant’s corporate data […]
Preparing Fintech Companies for Tomorrow
Why the Cloud Is Best Ally for Fintech Company Not so long ago, managing your money meant standing in line at a bank branch or waiting days for a payment to clear. Today, with just a tap on a smartphone, millions of people can borrow, invest, and transfer money instantly. This shift has been powered […]
How Accounting Outsourcing Supports CASP/EMI Licensing
The European financial market is becoming increasingly regulated, especially for businesses working with crypto-assets and electronic money. Companies seeking to operate as Crypto-Asset Service Providers (CASPs) or Electronic Money Institutions (EMIs) face strict licensing requirements from regulators such as the Czech National Bank (ČNB) and other EU supervisory bodies. Among the key conditions for obtaining […]