Experience. Expertise. Outcomes.
Buckingham Capital Consulting combines deep regulatory expertise with proven execution to help payment, e-money, banking and crypto firms, from ambitious startups to global institutions, secure authorisation, manage complex regulatory matters and maintain compliance across the UK and Europe.
Navigating regulations
Founded in 2013, Buckingham Capital Consulting has supported payment, electronic money, banking and cryptoasset firms across the UK and Europe on the regulatory matters that shape their development. We work closely with clients to provide the expertise, confidence and strategic support needed to navigate complexity, support growth and realise their long-term objectives within regulated financial services.
Why Buckingham Capital Consulting
Experience
Our team brings decades of combined experience advising financial services firms across the UK and Europe on regulatory authorisation, compliance and strategic advisory. That experience spans the full regulatory lifecycle, from market entry and expansion to the broader regulatory developments that shape how firms operate and grow.
Expertise
We combine deep sector specialism across payments, electronic money, banking and cryptoassets with broad regulatory experience across the UK and Europe. This breadth and depth enables us to advise clients on complex regulatory matters with the commercial clarity, technical precision and strategic judgement such matters demand.
Sectors we serve
Payment Services
We advise payment institutions, remittance firms, acquirers and open banking providers on regulatory authorisation, compliance and strategic expansion across the UK and Europe.
E-money
We support electronic money institutions, wallet providers, prepaid issuers and embedded finance firms on licensing, safeguarding, compliance and regulatory growth.
Banking
We advise banks, challenger banks and financial institutions on authorisation, governance, compliance and broader strategic regulatory matters.
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Cryptoassets
We support cryptoasset firms, exchanges, custodians and digital asset businesses on UK and European regulatory authorisation, compliance and market expansion.
Our services
Since 2013, we have supported regulated financial services firms across the UK and Europe on the authorisation, compliance and strategic regulatory matters that shape how businesses establish, grow and evolve.
Our UK authorisation practice focuses on the four sectors at the core of our firm: payment institutions, electronic money institutions, banks and cryptoasset firms. Engagements span the full FCA authorisation process, from regulatory structuring and application preparation through to supervisory review and approval.
European Authorisation
​Our international authorisation practice supports payment institutions, electronic money institutions, banks and cryptoasset firms expanding across the European Union and wider international markets. Work spans jurisdictional strategy, MiCA authorisation, EU payment and e-money licensing, banking authorisation and broader cross-border regulatory expansion.
Compliance
Our compliance practice supports firms operating under ongoing regulatory supervision across payments, e-money, banking and cryptoassets. Work covers Consumer Duty, governance, SM&CR, conduct, regulatory reporting, financial promotions, and the broader compliance frameworks required as firms scale.
Safeguarding & CASS
Our safeguarding practice supports payment and electronic money firms in the protection of client funds, including safeguarding frameworks, statutory trust arrangements, reconciliation, audit readiness and remediation. From 7 May 2026, CASS 15 introduces a new regime, and our work supports firms through that transition.
Financial Crime
Our financial crime practice supports payment institutions, electronic money institutions, banks and cryptoasset firms in the design and strengthening of anti-money laundering, counter-terrorist financing and sanctions frameworks. Work spans risk assessments, transaction monitoring, due diligence, sanctions controls and broader financial crime governance.
Strategic Advisory
Our strategic advisory practice supports firms across the wider regulatory and commercial questions that shape long-term development. Work includes wind-down planning, gap analysis, Banking-as-a-Service, regulatory reporting, financial promotions, operational expansion and the strategic regulatory frameworks required as businesses evolve.
Over a Decade Advising Regulated Financial Services Firms
Since 2013, our team has supported financial services firms across the UK and Europe on the regulatory, compliance and strategic matters that shape how businesses launch, grow and evolve. Our work spans market entry, authorisation, governance, compliance, safeguarding, financial crime and broader regulatory transformation, combining technical regulatory expertise with commercial understanding to help clients navigate complexity, manage change and build resilient, credible businesses positioned for long-term success.
Recent successful work
Buckingham Capital Consulting helps Nexpay obtain FCA Authorised Payment Institution licence.
Payment Institution
Buckingham Capital Consulting advises Own Solutions on obtaining the Authorised Electronic Money Institution licence in Ireland.
EMI
Payment Institution
Buckingham Capital Consulting helps Hami obtain a payment institution licence in the UK to offer money remittance services.
Buckingham Capital Consulting advises Global Send on obtaining the Authorised Payment Institution licence.
Payment Institution
Buckingham Capital Consulting helps Onpoint Money Transfer obtain a payment institution licence in the UK to offer money transfer services.
Payment Institution
Buckingham Capital Consulting helps the Royal College of Music obtain FCA consumer credit licence to provide financial services.
Consumer Credit
Buckingham Capital Consulting helps Dzing Financial obtain FCA Authorised Electronic Money Institution licence.
We help McMillan Cancer - one of Britain's largest charities obtain an FCA consumer credit licence to offer financial services.
Consumer Credit
Buckingham Capital Consulting helps HFS obtain its Electronic Money Institution licence in the UK with the FCA.
EMI
Buckingham Capital Consulting helps Europanpay obtain its Electronic Money Institution licence in the UK with the FCA
EMI
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