Resource Planning: People, Deadlines, Money, Workload
Many businesses think they have a delivery problem when in reality they have a resource planning problem. The project looks approved. The deadline exists. The budget has been discussed. The team is “in place.” Everything seems fine right up to the moment when one person is overloaded, another is waiting for input, the budget starts […]
Why a 90-Day Plan Works Better Than a 3-Year Strategy
For a small business, strategy often gets trapped between two bad extremes. On one side, there is chaos: everyone is busy, but nobody is fully sure what matters most. On the other side, there is the majestic three-year strategy document — a polished creature full of goals, arrows, and optimism, quietly aging in a folder […]
Change of Ownership of an EMI Company
What Buyers and Sellers Must Prepare A Change of Ownership of an EMI Company Is a Supervisory Event, Not Just a Share Transfer A change of ownership of an EMI company is never just a standard share transfer. An electronic money institution is a regulated business. In the EU the authorisation framework for EMIs applies […]
IT and Personnel for EMI Companies
What an EMI Must Build Before It Can Scale An EMI company is never just a legal entity with a licence and a payments idea. In practice, an electronic money institution is a regulated operating model that must show the regulator two things at the same time: first, that its IT environment is secure, resilient, […]
What Is an EMI Licence in the Czech Republic and Why Does It Matter?
At first glance, the phrase “EMI licence in the Czech Republic” sounds simple. Many founders hear it and assume it is just a formal approval for a fintech product, payment app, digital wallet, or prepaid solution. In practice, it means much more than that. An EMI licence is not just a document that lets a […]
EMI Accounting in Czech Republic
What Founders and Finance Teams Need to Know If you are building or operating an electronic money institution, EMI accounting in the Czech Republic is not just ordinary bookkeeping with a fintech label. A Czech EMI sits at the intersection of the Payment Systems Act, CNB supervision, the Czech Accounting Act, and the sector-specific accounting […]
How to Get an EMI License in Europe
If you are asking how to get an EMI license, the first thing to understand is this: regulators do not license an idea, a slide deck, or a “future fintech.” They license an institution that can issue electronic money, protect customer funds, run proper controls, and remain compliant after launch. In the EU, the core […]
Data Governance for EMIs
Control, Traceability and Incident Response Electronic Money Institutions, often referred to as EMI, operate as financial infrastructure. Payments move through APIs, wallets, card processors, and settlement systems. Every transaction generates data — and every piece of that data must be protected, monitored, and traceable based on its sensitivity and regulatory classification. Because of this, data […]
Choosing an EMI Jurisdiction in the EU
Substance, Banking Access, Timelines, and Supervisory Culture Choosing an EMI jurisdiction in the EU is not a beauty contest and definitely not a game of “who promised the fastest licence on a conference panel.” You make a strategic decision about where to authorise, supervise, bank, and scale your business without falling into an expensive swamp […]
EMI Capital in Europe
Why 350,000 EUR Is Only the Legal Minimum in the Czech Republic When founders start exploring an EMI license in Europe, they usually focus on one number: 350,000 EUR. That number is real, and it matters. Under the European legal framework for electronic money institutions, it is the minimum initial capital required for authorization. The […]
Turnkey company with a crypto license
What the business is actually buying The phrase “turnkey company with a crypto license” sounds very tempting to an entrepreneur. Almost like “press one button and get a ready-made crypto business in Europe.” But after MiCA, the market has become far less magical and far more legalistic. In the EU, the rules for crypto-asset service […]
Company Registration in Prague
How to Set Up a Czech Company Without Drowning in Bureaucracy Setting up a company in Prague often sounds easier than it really is. On paper, the process looks almost harmless: choose a company name, prepare the documents, file the application, and start doing business. In real life, the picture becomes more entertaining in that […]