PalmsWorth Group is an end-to-end consultancy that builds fintechs, banks and payment companies — from the business case and EU license to custom software development, integrations and the AWS platform, and then runs it with you. Strategy, licensing, product, custom development, integrations, cloud, data, security, FinOps and fractional leadership — under one team, with boots on the ground across Europe and the United States.
We work across the two sides of every fintech — the business (strategy, licensing, product, operating model, talent) and the cloud (AWS on Terraform/Terragrunt, architecture & development, integrations, security, data, FinOps, managed operations). One coordinated team, one accountable partner — from first license submission to multi-region operations.
Market analysis, business model, go-to-market, operating model and roadmap — the foundation for a fundable fintech.
We help fintechs raise — deck, model, data room, investor targeting and introductions across our EU and US network. Contingency only →
EU-wide licensing readiness for Payment Institutions, Electronic Money Institutions and MiCA crypto-asset service providers — regulator-aligned documentation, governance and compliance setup end-to-end.
Product strategy, journeys, prototyping, validation and delivery support — from concept to a live customer platform.
Executive search, specialist hiring, embedded experts and advisory capacity — senior people, exactly where you need them.
PMO setup, delivery governance and hands-on program leadership — large, regulated initiatives run on time, on scope, on record.
Target operating architecture across business, application, data and technology — a blueprint your CIO, CRO and CFO all sign off on.
Fractional CTO, CISO or Head of Compliance on a flat monthly retainer — a senior partner in the role, not just advisory. See retainer pricing →
Supervisor-grade regulatory advisory led by former central bank leadership — PSD2/EMD2, DORA, EU AI Act, AML/KYC, board-level readiness and regulator Q&A handling.
AWS-focused cloud practice. Cloud-native AWS architecture delivered entirely as code with Terraform & Terragrunt — repeatable, auditable, scalable.
Cloud & network security architecture, IAM/SSO/MFA, monitoring, incident readiness and disaster recovery.
Warehouse foundations, BI dashboards, governance and analytics enablement — for regulators, boards and operators.
Free read-only audit in ~2 weeks — 20–40% typical savings identified. Contingency fee on sustained savings only, implementation scoped separately.
Monitoring, patching, lifecycle, performance and scalability operations — your platform, quietly running at scale.
Custom fintech software — core, ledger, payments and customer platforms. Senior engineers shipping production code alongside your team.
Card networks, BaaS, core banking, KYC/AML, payment rails and third-party APIs — wired in cleanly, securely and auditably.
From strategy to production: use-case shaping, data readiness, model selection, governance and safe deployment on AWS — built for regulated fintech reality.
A single accountable team across the full fintech arc — no handoffs, no finger-pointing, no vendor chain.
Strategy, jurisdiction analysis, operating model and a sequenced delivery roadmap.
Target architecture, programme of operations, governance and the right team around them.
PI, EMI or MiCA licensing — regulator-ready submission, Q&A handling, authorisation.
Software and AWS platform built end-to-end — core, ledger, customer apps, integrations and infrastructure on Terraform & Terragrunt — shipped production-ready.
Managed cloud operations, FinOps governance and continuous optimisation alongside your team.
We've led multiple successful licensing projects for payment institutions and electronic money institutions across the European Union — from jurisdiction selection to regulator submission and post-authorisation readiness.
We design and build AWS landing zones and production environments entirely in Terraform and Terragrunt — modular, reusable and reviewable. No click-ops. No drift. Every environment an exact, versioned twin.
# terragrunt.hcl — prod eu-central-1 include "root" { path = find_in_parent_folders() } terraform { source = "git::git@github.com:palmsworth/modules.git//eks?ref=v1.4.0" } inputs = { name = "pw-bank-prod" vpc_id = dependency.network.outputs.vpc_id private_subnets = dependency.network.outputs.private_subnets node_groups = { core = { min = 3, max = 24 } } encryption = { kms_key = "aws/eks" } tags = { regulated = "true", pci_scope = "in" } }
On average we save clients 20–40% of their annual cloud spend. A pure contingency-fee model — we audit your cloud estate, identify savings and hand you a remediation plan. You keep 70% of every euro saved, and pay nothing if there's nothing to save.
A selection of recent engagements. Client names withheld under NDA — outcomes are real.
We took a founding team from strategy and jurisdiction selection to a regulator-approved EMI authorisation — full programme of operations, governance, safeguarding and ICT policies.
Delivered a PI licensing programme for a cross-border payments provider — authorisation in the home member state and passported operations across several additional EU countries.
Designed and built a multi-account AWS landing zone on Terragrunt: secure networking, IAM baseline, EKS workloads, observability and CI/CD — production-ready for a regulated platform launch.
Ran a full read-only audit of a scaling fintech's AWS estate, delivered an executive summary with rightsizing and commitment opportunities, then scoped and executed implementation alongside the client's team. Paid purely from sustained savings.
Migrated a payments workload onto a Terraform-defined AWS environment with hardened security baselines, observability and automated deployments — with no production disruption.
Built a cloud security architecture aligned to EMI supervisory expectations: IAM/SSO/MFA, segregated environments, monitoring, incident response playbooks and disaster recovery.
Pick the model that fits your stage, your risk appetite and your preferred level of commitment — from fee-based engagements to pure contingency. No hidden fees, no hourly padding, no bench swaps.
Best for well-defined outcomes — a licensing submission, a landing zone, a platform MVP or a migration.
Embed our partners and leads directly into your team. Architecture, licensing, cloud, FinOps or programme management — paid only for the days we deliver.
A senior partner in the role — not just advisory. Sits on your leadership cadence, owns decisions and deliverables, and scales with your roadmap.
Zero risk. Free read-only audit by two senior partners — executive summary, remediation backlog and advisory sessions delivered in ~2 weeks. You decide what happens next.
We help early-stage and scaling fintechs raise — from investor-ready deck, model and data room to targeted introductions across our EU and US network. You only pay when capital lands. Success-fee only, no retainer, no upfront work charged.
Decades of combined experience across fintech product, enterprise architecture, EU regulation and central banking supervision — now under one roof.
Fintech builder and operator. Led the launch of BinX — Hungary's first award-winning neobank for businesses — and multiple EU-wide PI/EMI licensing programmes. Previously at K&H Bank in senior technology and platform roles, and founder of several of his own startups across fintech and digital products. Awarded Fintech of the Year and Fintech Cooperation of the Year under his leadership.
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Enterprise architect with 25+ years across banking, payments and cloud-native platforms. Designs target operating models and reference architectures that survive regulation, scale and audit. Translates business strategy into AWS, data and integration blueprints that actually get built.
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Regulatory and compliance expert specialising in PSD2/EMD2, AML/KYC, DORA and EU passporting. Previously at Deloitte and Revolut, where he shaped risk, compliance and licensing programmes at scale. Has led end-to-end PI and EMI authorisation submissions, regulator Q&A and post-authorisation readiness across multiple European jurisdictions. Builds control frameworks that pass scrutiny on day one.
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Former Head of Compliance and Deputy CSO at the Hungarian National Bank (2020–2026), previously oversight analyst for payment and settlement systems. Member of the ECB's European Forum on the Security of Retail Payments and the EBA Standing Committee on Payment Services, shaping PSD2 rules. Earlier compliance roles at MetLife and Aviva. Faculty at the Budapest Institute of Banking, METU, ELTE and Corvinus.
in · LinkedIn profile →Selected media coverage, peer-reviewed publications and awards tied to programmes and research led by our founders — including the launch of Hungary's first neobank for businesses and authored articles in the Hungarian central bank's journals.
Awarded for the year's most impactful fintech partnership in the Hungarian market.
Won by the neobank programme led by our founder — recognised as the leading Hungarian fintech launch of the year.
Whether you're preparing an EU license, building a new AWS platform, or looking to cut cloud spend with zero upfront risk — we'd like to hear what you're working on.
Want to speak with a past client first? Request a reference call — happy to connect you.
