Our latest insights


We help payment service providers, industry suppliers, new entrants, investors and entrepreneurs align with the future of payments.

Disruptive technologies, regulatory scrutiny and new market entrants are transforming the payments world. The paradigm shift is both a threat and an opportunity for existing payment service providers. The issues are broad and complex, including biometrics and other emerging technology, open banking and application programming interfaces (APIs), faster payments, cross-border issues and more.

We can help you develop practical solutions around your payment service offerings because we understand the technologies and market dynamics transforming payments. We play a key role in the eco-system advising payments businesses and investors on M&A acquisitions, debt- and equity-fundraising and wider strategy. We help clients with Regulatory Advice and authorisation support as an Authorised Payment Institution, E-Money Issuer or even becoming a fully regulated bank.


Vera Kukić | Associate Partner | Banking and Capital Markets

Ernst & Young LLP

Office: +44 (0) 207 197 7946 | Mobile: +44 (0) 7789876250 | vkukic1@uk.ey.com


Craig Oakes | Director | Financial Services

Ernst & Young LLP

Mobile:+44 7920 270 131 | craig.oakes@uk.ey.com

Website: www.ey.com



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Consultation Responses

A New Consumer Duty Feedback to CP 21/13 and further consultation