SME Fintech
Governance, Compliance & Control — Built for Fintech Growth
SME fintechs face the same regulatory requirements as established financial institutions — but with a fraction of the resource. KPN Advisory helps growth-stage fintechs build control environments that are proportionate, credible, and designed to scale.
The Challenge
The Fintech Governance Paradox
Moving fast enough to compete, while building control frameworks that satisfy regulators, investors, and enterprise clients — simultaneously.
Regulatory Pressure Without Institutional Resource
FCA authorisation, ISO 27001, DORA, Consumer Duty — the regulatory bar is set at institutional level, even for lean teams of 20.
Investor Scrutiny on Governance
Series A and growth-stage investors are scrutinising control environments, risk frameworks, and compliance posture before committing capital.
Enterprise Clients Requiring Compliance Evidence
B2B fintech clients — particularly banks and large corporates — demand ISO 27001, DORA compliance, and evidence of robust governance as a condition of engagement.
Scaling Without Scaling Risk
As headcount and transaction volumes grow, manual controls break down. Automation without governance creates a different kind of risk.
How We Help
Built for the Fintech Growth Journey
ISO 27001:2022 Implementation
From gap assessment to certification readiness — in a timeframe that works for a growth-stage business. Most clients achieve certification readiness in 4–6 months.
Get an ISO Readiness Scorecard →DORA Compliance
ICT risk management, third-party risk assessment, and operational resilience frameworks — built to the DORA standard for EU-regulated fintechs.
Request a DORA Gap Snapshot →FCA Consumer Duty
Consumer outcome monitoring, policy documentation, and Consumer Duty implementation for FCA-authorised fintechs operating in consumer markets.
Discuss Your Requirements →Financial Controls & Automation
Embedded financial controls and AI-enabled process automation — designed for finance teams that need to do more with less and maintain audit-ready operations.
Request a Finance Controls Diagnostic →Track Record
Fintech-Specific Results
ISO 27001:2022 certification readiness achieved in under 6 months.
Full ISMS implementation, risk treatment plan, and certification readiness review — delivered for a growth-stage payment processing firm preparing for enterprise client onboarding.
DORA compliance programme delivered ahead of regulatory deadline.
ICT risk assessment, third-party risk mapping, and operational resilience testing framework — designed and implemented for a UK-EU regulated fintech with 45 staff.
80% reduction in manual reconciliation effort via AI-enabled automation.
FinOps Control Centre deployment with embedded exception handling, approval workflows, and full audit trail — transforming a 3-day month-end process into a same-day close.
Start Here
Begin with a Fintech Readiness Review
A structured 90-minute diagnostic session designed specifically for fintech founders and decision-makers. We assess your current governance posture across regulatory compliance, controls, and operational resilience — and provide a clear, prioritised action plan within 5 business days.
What is Included
- ✓Regulatory posture review (FCA, ISO 27001, DORA)
- ✓Control environment rapid assessment
- ✓Key risk identification
- ✓Prioritised action plan with sequencing
- ✓Written findings report delivered in 5 days
Ready to Build a Control Environment That Scales With Your Business?
Start with a structured Fintech Readiness Review — or speak with an adviser about the specific challenge you are facing.
Specialist consultancy for Financial Services, Fintech, Advisory Firms & Entrepreneurs