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Protecht for fintechs

Scale securely. Prove compliance.

From sandbox to scale-up, Protecht helps fintechs build a robust risk and compliance framework that keeps pace with innovation. Whether you're launching new products, navigating FCA authorisation, or expanding into crypto or Open Banking, Protecht gives you the tools to manage risk, compliance, resilience and third-party exposure with confidence.

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Build a scalable risk and compliance framework from day one

Create a connected system that grows with your fintech, from early-stage startup to regulated firm.

  • Centralise risk registers for operational, conduct, cyber, fraud, data protection and reputational risks

  • Track ownership, mitigation, assessments and reviews in one integrated platform

  • Embed governance and oversight structures aligned with ISO 31000, COSO and PRA/FCA expectations

  • Evolve your risk and compliance programs alongside changing business models and regulatory status

Show compliance with FCA, UK GDPR and Consumer Duty obligations

Demonstrate to regulators, partners and investors that your firm is in control.

  • Maintain a structured register of obligations including FCA rules, AML/KYC, data privacy, and the Consumer Duty

  • Link obligations to policies, workflows and controls to evidence compliance in real time

  • Automate attestations, breach assessments and complaints handling

  • Generate audit-ready reports aligned with FCA thematic reviews and enforcement expectations

Manage technology and third-party risk across fintech infrastructure

Get full visibility over cloud services, embedded finance partners and outsourced vendors.

  • Create a centralised third-party register with tiered risk assessments and review cycles

  • Track vendor onboarding, due diligence, contractual terms and performance

  • Document resilience planning and operational risk assessments aligned with FCA and DORA-style expectations

  • Connect third-party risks, controls and incidents to understand exposure and dependencies

Stay ahead of regulatory change without losing momentum

Keep your lean team focused while adapting to evolving expectations.

  • Monitor updates from the FCA, ICO, HMT, and the Regulatory Initiatives Grid in a single source of truth

  • Map regulatory changes to controls, policies and training workflows

  • Track AI governance, crypto regulation and ESG developments in one flexible platform

  • Give boards and executives real-time oversight through dynamic dashboards and metrics

Trusted by well known organisations

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  • finstro_holdings_pty_ltd_
  • ofx_(ozforex_limited)
  • satispay
  • tyro_payments_limited
  • worldremit
RGB colour - Associate Member 2025

Flexible risk management. Designed by risk experts.

Analytics & dashboards

Configurable platform

User experience

Implementation and support

Your insights. Made for action.

Get a full picture of your business’s risk profile – so you can make better strategic decisions faster. Protecht’s platform delivers interconnected, structured data through dashboards and reports that can be easily categorised and documented. So you can spot trends and identify areas that need the most action. And bring important stakeholders along the journey too.

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A platform of possibilities.

Our system can be configured to your business’s unique needs without any coding. With features like a dynamic form builder, the capability to automate notifications and email alerts based on your unique needs and customisable risk assessment scales, it has the flexibility you need for a risk solution that’s all your own.

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Designed for teams. Delivered to take you further.

Risk management isn’t the responsibility of one person. Protecht’s clean, easy-to-use solutions help you engage and empower more of your team – so that risk ownership reaches more of your organisation. That means less time chasing teammates on the day-to-day tasks. And more time focusing on strategic work that makes the biggest difference

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Get the expertise. Experience success.

No two organizations are the same – and that includes how they manage risk. For over twenty years we’ve been partnering with clients across all kinds of industries to implement ERM solutions that adapt to their needs and set them up for success. Our team can quickly implement a way forward that works for you – and then keep you at the forefront of any key changes to the risk landscape.

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Calculate your ROI

See how much you can save with Protecht.

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Buyer’s guide

What an ERM solution is, why you need one, and how to make the right choice.

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Case study

How WorldRemit uses Protecht to manage risk across 130 countries

Specialising in digital P2P money transfers, WorldRemit is a fast-growing remittance firm. Over the last twelve years, the business has grown to serve 5.7 million customers, using 70 different currencies, across 130 countries worldwide. When WorldRemit set out to find the ultimate ERM system, there would be no compromise.
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Thought leadership on risk for fintechs.

Watch our latest thought leadership webinars and read our latest blogs, eBooks and white papers on risk management topics for fintechs.

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White paper

Enterprise risk management for fintechs.

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Thought leadership webinar

Governing AI risk: Tools, frameworks and real-world implementation with Protecht.

Fri 28 Aug | Register now

Blog

Top 5 Risk Management Challenges for FinTechs

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IT risk management

Information technology risk management.

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Frequently asked questions about governance, risk and compliance (GRC) for fintechs

Most UK fintechs are regulated by the FCA and must meet requirements such as conduct standards, safeguarding of client funds, AML/KYC controls, and data privacy under UK GDPR. Fintechs engaging in payments, lending, investment advice or crypto must comply with specific rules and guidance, including the Consumer Duty, financial promotions regime, and the incoming BNPL and stablecoin frameworks.

The FCA’s Consumer Duty requires firms to deliver good outcomes for retail customers. This includes ensuring fair pricing, transparent communications, and active monitoring of customer outcomes. Fintechs offering products like digital wallets, loans, or robo-advice need to review their product governance, disclosures, and complaints tracking to meet the new standard.

UK fintechs must comply with Money Laundering Regulations (MLRs) by implementing an effective AML program, including customer due diligence, transaction monitoring and reporting of suspicious activity. Cryptoasset businesses must also be registered with the FCA for AML supervision. Protecht helps by linking AML obligations to controls, streamlining onboarding assessments and automating compliance workflows.

FCA-authorised firms are expected to oversee their outsourcing arrangements and ensure operational resilience. This means conducting due diligence on third parties, monitoring performance, documenting contingency plans, and ensuring data security. Fintechs must also consider DORA implications if they serve EU firms or users. Protecht enables structured third-party risk management even for lean teams.

The EU Digital Operational Resilience Act (DORA) applies to financial services operating in the EU, including UK fintechs that serve EU customers or partner with EU firms. It sets out requirements for ICT risk management, incident reporting and third-party oversight. Even UK-only fintechs are likely to see similar expectations via future FCA rules or client pushdown. Protecht supports DORA-aligned frameworks for operational resilience.

Fintechs face a fast-moving regulatory environment, from changes to cryptoasset marketing to evolving Open Banking governance. Protecht ERM helps firms track updates from the FCA and other regulators, map obligations to controls, and assign responsibility for compliance actions – all within a single connected platform.

Whether you're applying for authorisation, onboarding a banking partner, or scaling into new markets, Protecht helps you demonstrate strong governance. With centralised risk registers, structured workflows, and real-time reporting, you can deliver the transparency and assurance expected by boards, regulators, investors and partners.