Customer centric
The correct approach to each particular case is what sets apart a good consultant from mediocre. One size does not fit all, each company and each case is unique and that is how PSP Lab is treating each and every engagement.
Expertise
PSP Lab stands out of many FinTech advisors and consultants because our experts have the first-hand experience in establishing, licensing, and development of their own payments and FinTech business. There are many excellent consultants out there, but PSP Lab knows in practice, not in theory, how it is done.
Services
PSP Lab is assisting FinTech entrepreneurs with the complexities related to the regulatory licensing process, business development, compliance matters, external auditing, software development, business introductions, investment, mergers and acquisitions.
Get expert advice in FinTech
PSP Lab is a UK fintech consulting firm that brings cutting edge solutions in terms of management consulting, business and technological development. We advise authorised market participants and those who wish to become such. PSP Lab is assisting FinTech entrepreneurs with the complexities related to the regulatory licensing process, business development, compliance matters, external auditing, software development, business introductions, investment, mergers, and acquisitions.
Trusted by
PSP Lab helped us secure our Payment Institution licences in both the UK and the Netherlands. From the beginning, I was impressed by the team's deep regulatory knowledge and personal approach. They truly tailored their guidance to our organisation — I never felt like we were getting off-the-shelf advice. Their professionalism and commitment were essential to the success of both applications, and I would highly recommend them to any fintech navigating complex regulatory questions.
PSP Lab demonstrated a clear understanding of our business model and operational environment from the outset. Their approach was methodical and pragmatic — identifying gaps, clarifying regulatory expectations, and translating requirements into actionable outcomes. Their attention to detail significantly improved the consistency and reliability of our internal framework, and their responsiveness during critical phases was equally important. Overall, PSP Lab's support strengthened our governance and increased confidence in our regulatory positioning.
At the beginning of our journey, our biggest challenge was knowing where to start. PSP Lab provided clear structure, hands-on guidance, and deep expertise, helping us navigate every step with confidence. Their advice was precise, reliable, and clearly designed with scale in mind — as if we were already operating as a large PSP. The overall impact was decisive for our success. Beyond identifying regulatory requirements, they supported us in securing acquiring relationships and guided us through audits, making them a true strategic partner.
Before engaging PSP Lab, Africhange faced a significant setback of nearly two years working with two previous firms that led to incomplete applications. The difference with PSP Lab was immediate. Unlike others, they took a truly hands-on approach, involving us in every step of the licensing process. This ensured our application was fully tailored to our unique business model and that we were personally equipped to defend it. Beyond their exceptional regulatory advice, PSP Lab was instrumental in connecting us with key partners to ensure our success.
Customised solutions
New PI/EMI Authorisation
We are assisting our clients in getting authorisation for PI/EMI from national authorities based in the UK and within the EU. PSP Lab will guide you through the whole process, prepare necessary documents, forms and applications, assist you in communication with the relevant authorities.
Management Consulting
Obtain guidance from payment services specialists and take your business further with the help of PSP Lab. We approach each client with due care and help them to develop a strategy that will improve business performance.
External Audit
If you wish to review the compliance of your company operations with laws and regulations as well as with the internal policies and perform an independent audit of anti-money laundering, safeguarding, and operational controls- PSP Lab is the way to go.
Software
Innovation takes places far behind the frontlines of the user interface, specifically at the back-end of what users see. PSP Lab helps in choosing the right product, IT development team or integration partner.
Business Development
PSP Lab helps clients to connect and maintain an amicable relationship with relevant partners. During the time present in the financial field we have accumulated a number of connections which we share with our clients in order to achieve their goals.
Mergers and acquisitions
PSP Lab as an independent consultant is better placed to advise on the viability of the transaction and added value, which it may or may not create for the acquired company. With our help, it is much easier to reach the best deal for both sides.
Legal
PSP Lab offers throughout support to companies working in the financial sector. The knowledge of a wider commercial field and specifics of financial sector allows us to resolve whichever issues faced by our clients.
Blog
Relevant insights from the world of FinTech
The Digital Operational Resilience Act (Regulation (EU) 2022/2554, DORA) has applied across the European Union since 17 January 2025. Among its most consequential requirements is the obligation […]
FCA PS26/2: What the New Operational Incident and Third-Party Reporting Rules Actually Mean for PSPs
Published on 18 March 2026, Policy Statement PS26/2 marks the FCA’s most substantive intervention in operational resilience reporting since the Payment Services Regulations 2017 introduced the first […]
There is no explicit requirement for the authorised payment institutions (PIs) to calculate their capital adequacy on a monthly basis. Moreover there is no explicit requirement for […]
