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minimization of risks and the long-term effectiveness of asset ownership. By choosing professional support, entrepreneurs and executives receive not just registration but a tool for growth, protection and business scaling.

transparency, in Africa: on property rights and regional risks.

Each year entrepreneurs and chief financial officers face new challenges: increasing tax burden, more complex compliance, requirements for beneficiary transparency, and restrictions on cross-border payments. In these conditions, strategic structuring of business through an IBC becomes not just an optimization tool, but a necessary element for survival and growth in the global market.

It is a universal legal form created for conducting international activities outside the country of incorporation. An IBC is not just an offshore company, but a flexible instrument of international corporate governance, enabling tax planning, asset protection, holding structuring and building multi-jurisdictional structures. Unlike LLC, Ltd or LP, an IBC is focused on foreign economic activity, is not limited to national markets and provides owners with limited liability as well as a high level of corporate flexibility.

In practice, the COREDO team regularly helps entrepreneurs, investors, exporters and intellectual property owners use IBCs for international trade, patent management, financial engineering and building holding structures. This approach allows not only optimizing taxation but also ensuring effective risk management, asset protection and access to global markets.

If you are looking for a strategic tool to scale your business, increase transparency and reduce fiscal risks: I recommend reading this material to the end. Here you will find not only an overview of current jurisdictions for IBC, but also practical recommendations based on COREDO’s experience and best international practices.

Popular countries for IBC in 2025

choosing a jurisdiction for registering an IBC is a strategic decision that affects tax burden, access to financial services, asset protection level and the business’s reputation. In recent years COREDO’s practice shows that entrepreneurs increasingly evaluate not only tax rates but also parameters such as economic substance requirements, beneficiary ownership transparency and resilience to international sanctions.

Criteria for choosing a jurisdiction for IBC

• Tax rates and incentives. In some offshore zones corporate tax is 0%; however, in the EU and some Asian countries there are preferential regimes with partial tax refunds or tax exemptions under certain conditions.
• Economic substance requirements. Since 2020 most jurisdictions require a real presence (office, employees, management functions) to confirm tax residency and access benefits.
• Level of transparency and disclosure of beneficial ownership. Modern standards (CRS, FATCA) oblige jurisdictions to exchange information about owners and movement of funds.
• Registration timelines and complexity. In some countries an IBC can be registered in 1–3 days; in others the process takes up to two weeks and requires submitting an extended package of documents.
• Access to banking services and international markets. Jurisdictions with developed banking infrastructure and a high level of trust from international banks greatly facilitate account opening and conducting transactions.
• Political and legal stability. Countries with a stable legal system and predictable regulation minimize risks for business.
• Impact of international sanctions and restrictions. Some offshore zones are subject to sanction risks, which can complicate working with banks and counterparties.

Top 10 jurisdictions for IBC: Europe, Asia, Africa, the Caribbean

The solution developed at COREDO always begins with an analysis of your business goals and risk assessment: for example, registering an IBC in Belize remains in demand for trading and service companies, while Singapore and Hong Kong are suited for high-tech holdings and international trade. Special attention is paid to economic substance requirements for IBCs in 2025: without a real office and employees a company will not be able to claim tax benefitsgoths and access to banking services.

Advantages and Risks of IBC

IBC is not only a tool for tax optimization, but also a powerful mechanism for asset protection, risk management and business scaling. At the same time, the effectiveness of using an international business company directly depends on the proper choice of jurisdiction, compliance and understanding of limitations.

Key Advantages of IBC

• Tax optimization through an IBC allows you to substantially reduce fiscal burden, especially when structuring holdings correctly and using international agreements on the avoidance of double taxation.
• Asset protection and beneficiary confidentiality are achieved thanks to the flexibility of corporate law in offshore zones and the availability of instruments to conceal information about owners (subject to compliance with the law).
• Flexibility of corporate governance and business structuring is realized through the possibility of creating multi-jurisdictional structures, corporate trusts and foundations, as well as using nominee directors.
• Access to international markets and banking services: IBCs in the EU, Asia and Africa open doors to global settlements, investments and partnerships.
• Ability to scale the business: registering an IBC allows you to quickly launch new projects, optimize transfer pricing and manage risks.

Risks and Limitations

• Tightening requirements for economic substance: without a real office and staff the company may be declared fictitious, which leads to loss of tax benefits and account freezes.
• Risks of non-compliance with AML, KYC, compliance: international banks and regulators require transparency of funds’ origin, identification of beneficiaries and ongoing monitoring of transactions. Violation of these requirements threatens fines and refusal of service.
• Impact of Controlled Foreign Company (CFC) rules: owners of IBCs in countries with a CFC regime are obliged to declare income and pay taxes in their country of tax residence.
• Restrictions on automatic exchange of tax information (CRS, FATCA): most jurisdictions participate in international agreements, which reduces the level of confidentiality.
• Sanctions risks and restrictions: certain offshore jurisdictions may be subject to sanctions, which complicates work with banks and international counterparties.
• Difficulties in opening bank accounts: banks tighten requirements for new clients from offshore zones, which requires professional support at all stages.

Legal Support for IBC and Compliance

In modern conditions, registering an IBC is only the first step. A key success factor is competent legal support, implementation of effective compliance procedures and constant monitoring of legislative changes.

How to Comply with International Standards

• Selection and verification of registration agents and intermediaries. Only licensed and vetted partners ensure the legitimacy of the transaction and protection of the client’s interests.
• Organization of KYC/AML procedures for beneficiaries and directors. Implementation of international standards for identification and transaction monitoring: a mandatory condition for opening accounts and conducting activities.
• Maintaining the corporate register and ensuring transparency. Regularly updating information about beneficiaries, directors and shareholders minimizes the risks of account freezes and fines.
• Audit and reporting in accordance with jurisdictional requirements. In some countries annual filing of reports, conducting audits and storing corporate documents are mandatory.
• risk management: COREDO’s practice confirms that timely analysis of sanctions lists, control over transfer pricing and compliance with CFC requirements help avoid most legal and financial problems.

Thus, comprehensive corporate services include not only the implementation of compliance standards, but also a clear organization of each stage of company support: next we will consider practical steps for registration and servicing of an IBC.

IBC Registration and Support – Practical Steps

• Choosing a jurisdiction taking into account business goals, tax risks and substance requirements.
• Preparing a document package: articles of association, resolution on formation, proof of identity and address of beneficiaries, information about directors, corporate register.
• Appointment of a director and secretary: in most jurisdictions at least one resident director and a corporate secretary are required.
• Opening a corporate account and passing bank compliance: banks require detailed information about the company structure, sources of funds and the business model.
• Continuous monitoring of changes in legislation and international standards: the COREDO team regularly informs clients about new requirements, changes in tax residency and compliance.

Thus, the IBC registration process includes a number of stages, the completion of which makes it possible to ensure compliance with the requirements of the chosen jurisdiction and prepare the company for full operation. Next we will examine the features of registering and operating an IBC in the EU, Asia and Africa.

Registration and Operation of IBC in the EU, Asia and Africa

The geography of IBC registration directly affects reputation, market access and business operation requirements. COREDO’s experience covers dozens of jurisdictions, and we are ready to share key insights.

We will take a closer look at how European countries combine a high level of trust with favorable conditions for taxof planning and conducting international business.

Europe: reputation and tax incentives

Malta, Cyprus and Ireland are examples of jurisdictions that combine favorable tax regimes with a high level of reputation. Special attention is paid here to economic substance: the presence of an office, employees and managerial decisions on the country’s territory. The influence of EU directives (DAC6, ATAD) strengthens transparency requirements, and banks require enhanced compliance and proof of sources of funds. For IBCs in the EU, strict reporting and audit standards are characteristic, as well as mandatory participation in international agreements on the exchange of tax information.

Asia: access to markets and solutions

Singapore, Hong Kong and the UAE: leaders among Asian jurisdictions for IBCs. Reputation, developed banking infrastructure and flexibility of corporate law are valued here. Residency requirements for directors and shareholders vary: for example, Singapore requires at least one resident director, while in the UAE an office in a free zone is needed. Digital corporate management tools (electronic registers, online banking, compliance automation) are becoming the standard. COREDO’s solutions for clients in Asia include support for digital KYC procedures and integration with international payment systems.

Africa: opportunities and risks

Mauritius and the Seychelles are popular entry points to African markets. Ease of registration and flexible substance requirements make them attractive for financial and trading companies. At the same time, local legislation is rapidly changing under pressure from the FATF and international organizations, which requires constant monitoring of compliance and banking procedures. COREDO’s experience shows that for successful operations in Africa it is critical to choose partners with deep knowledge of local realities and international standards.

Key findings and recommendations

• Choice of jurisdiction: Determine priorities — taxes, reputation, access to markets, compliance requirements — and align them with long-term business goals. There is no universal solution: for holding structures the BVI or the Cayman Islands are suitable; for IT and trade, Singapore; for financial services, Malta or the UAE.
• Compliance: Pay special attention to AML, KYC, economic substance and international reporting. Best compliance and KYC practices for international business companies include regular checks of beneficial owners, process automation and integration with global registries.
• Support: Work only with proven registration agents and lawyers specializing in international structures. COREDO’s practice confirms: professional support reduces risks and speeds up entry into new markets.
• Risks: Constantly monitor changes in legislation, sanctions lists, banks’ requirements and international agreements. Managing an IBC corporate structure for maximum efficiency requires flexibility and readiness to adapt.
• Scaling: Use an IBC as a tool for asset protection, tax optimization and market entry, but only within the law and taking into account all international requirements.

In the current environment an IBC is not just an offshore company but a strategic tool for international business that requires a professional approach, deep market understanding and ongoing improvement of compliance processes. COREDO’s solutions not only minimize risks but also help fully unlock the potential of your international business company.

The classification of pension services and schemes helps to understand the variety of approaches and instruments used to provide citizens with financial support in retirement. Different typologies of pension schemes reflect the specifics of their design, funding and payment, which is important to consider when choosing the optimal model or product.

Types of pension schemes

In international practice pension services are represented by a wide range of schemes, each of which has its own legal, financial and managerial features. The classic classification includes:

• Defined Benefit (DB) pension schemes, pension plans with fixed payments where the employer bears the obligation for the level of the pension. Such schemes require complex actuarial valuation and strict risk management, especially in the EU, USA and Japan.
• Defined Contribution (DC) pension plans – contributions are fixed, and the size of the pension depends on investment returns. DC schemes dominate in the United Kingdom, Canada, Australia and a number of Asian countries, where the emphasis is on transparency and asset diversification.
• Notional Defined Contribution (NDC) schemes – notional accounts where payments depend on accumulated contributions, but funds are not invested directly. Examples: the pension systems of Sweden and Italy, which are characterized by automatic balancing and high resilience.
• Occupational pension schemes – corporate pension plans integrated into companies’ HR strategy, particularly relevant for multinational corporations.
• Multi-pillar pension systems, multi-tier systems combining public, corporate and private components, which allows flexible management of pension liabilities and optimization of tax burden.

An important distinction – funded vs. unfunded pension plans.

Table: Classification of pension schemes

Thus, the diversity of pension schemes in international practice is due to a combination of legal and managerial models chosen by countries taking into account demographic and economic conditions; the next aspect: the features of classifying pension services by level of regulation.

Classification of services by level of regulation

Pension schemes differ not only in financial characteristics but also in the degree of regulation:

• Public social pension schemes, fully regulated by national authorities, integrated with social security systems. In some EU and Asian countries such schemes serve as the basis for PAYG systems.
• Corporate and private plans – autonomous, managed by companies and specialized funds. In the EU they are subject to the requirements of the IORP II Directive, and in Asia: national regulators and international standards.
• Autonomous and non-autonomous pension schemes (ESA 95), differing by the degree of fund autonomy, which affects governance structure, reporting requirements and transparency.

Key jurisdictions for pension services

Key jurisdictions for pension services play a defining role in shaping standards, regulation and the development of pension systems at national and international levels. Let’s consider the main approaches and solutions offered by different regions, starting with the European Union and its model of pan-European pension plans.

Let’s move on to an analysis of national features of pension regulation and practice in other key jurisdictions.

The European Union and pan-European pension plans

EU: one of the most complex and regulated markets for corporate pension services. The main challenges here are related to:

• IORP II Directive, the directive defining standards for Institutions for Occupational Retirement Provision. It sets requirements for risk management, transparency, reporting, protection of members and AML compliance.
• Cross-border pension harmonization: harmonization of pension schemes between EU countries, which allows optimizing the structure of corporate pension funds for transnational companies.
• Pan-European pension plans, new solutions allowing employees to retain pension rights when changing jurisdictions, which is especially important for mobile specialists and expats.
• Pension fund transparency and reporting standards: strict requirements for disclosure, regular audit and control over investment strategies.

Pension schemes and regulation in Asia

The Asian market is characterized by high fragmentation and a variety of models:

• Pan-Asian pension system structures: in Japan, South Korea and Singapore corporate DC schemes prevail, in China and India – state PAYG and multi-pillar systems.
• Registration of legal entities for pension services requires licensing and compliance with national standards, including AML and tax neutrality.
• Pension scheme tax treatment: features of taxation of pension contributions and payments, which can significantly affect the structure of a corporate fund.
• Pension compliance challenges in emerging Asian markets, lack of transparency, weak infrastructure and rapidly changing legislation require flexible solutions and regular audits.
• Pension investment risk management – high market volatility, demographic changes and regulatory specifics require a comprehensive strategy of diversification and actuarial assessment.

Moving on to an analysis of African markets, it is important to note that regulatory specifics and infrastructure challenges in this region form a completely different legal and investment landscape.

African pension market and legal aspects

African countries are a promising but complex market for corporate pension services:

• Legal pension framework in Africa – weak regulatory framework, limited access to actuarial data, high dependence on demographics and macroeconomic factors.
• Regulatory features include a low level of transparency, weak protection of participants’ rights and difficulties with AML compliance.
• Pension scheme governance best practices: the implementation of international governance standards, regular audits and staff training help increase trust and the fund’s resilience.
• Demographic changes – rapid population growth, low life expectancy and high mobility require a rethinking of classic pension scheme models.
• AML and pension services: combating financial crimes becomes a critically important task, especially for multinational companies operating in the region.

International pension schemes and services for companies

International pension schemes and services for companies are becoming increasingly sought-after tools for effective management of social benefits and attracting valuable employees. In the competitive global market, businesses gain additional advantages by implementing modern pension solutions that take into account the specifics of operating in different jurisdictions.

Multijurisdictional pension services – features

For corporate clients operating in multiple countries, the key tasks become:

• Registration and Licensing of companies for pension services – in the EU, Asia and Africa procedures differ, but always require transparency of structure, disclosure of beneficiaries and compliance with AML.
• Pension portability across jurisdictions – portability of pension rights between countries, integration with national social security systems, minimization of tax losses.
• risk management and actuarial valuation, multijurisdictional funds require comprehensive risk management, regular actuarial calculations and the adoption of modern models for assessing liabilities.
• Pension scalability and ROI – scaling pension services is possible only with process automation, optimization of the fund structure and implementation of KPIs to assess ROI.
• Pension scheme exit strategies – development of exit strategies and settlement of obligations during business reorganization, asset sales or fund liquidation.

Pension services: innovations

Modern technologies make it possible to significantly increase the efficiency of management of pension funds:

• Pension administration: automation using specialized software, integration with HR systems, electronic document management and cloud solutions.
• ESG criteria: the introduction of Environmental, Social, Governance standards into the fund’s investment strategies, which increases resilience and attractiveness to investors.
• Fintech solutions: mobile platforms for participants, transparent reporting, automatic actuarial calculations and integration with international payment systems.
• Protection of participants’ data, compliance with GDPR and local standards, implementation of cybersecurity systems and regular audits of personal data processing procedures.

Legal and financial risks in AML

Legal and financial risks under AML are becoming relevant for all participants in the financial market, since failure to comply with these standards can lead not only to large fines, but also to criminal liability and significant reputational losses. Implementing effective AML procedures is important not only for regulatory compliance, but also for long-term resilience and trust from clients and partners.

AML in the fight against financial crimes in the pension sector

anti-money laundering legislation (AML) is a key aspect for corporate pension services:

• Main AML requirements, beneficiary identification, transaction monitoring, regular audit and staff training.
• Risk prevention practices, implementation of comprehensive KYC policies, monitoring automation, integration with international systems for detecting suspicious transactions.
• Consequences of AML non-compliance: fines, asset freezes, reputational risks and restrictions on doing business in international jurisdictions.

Regulatory risks in the audit of pension schemes

Legal and financial risks require a systemic approach:

• Reporting and transparency obligations: regular publication of reports, disclosure of asset structure, audit of investment strategies.
• Compliance audits: independent reviews, control procedures, implementation of internal control systems and regular policy updates.
• Legal consequences of non-compliance – fines, license revocations, litigation and restrictions on conducting activities in certain jurisdictions.

Practical advice for entrepreneurs and executives

• choice of jurisdiction for registering pension schemes, analyze the tax burden, transparency requirements, the level of protection of participants’ rights and the specifics of regulation. In the EU, jurisdictions with developed infrastructure and transparent legislation are optimal; in Asia, markets with flexible licensing systems; in Africa, countries integrating international standards.
• Managing international pension funds – implement automation, ESG criteria, regular audits and actuarial valuation of liabilities.
• Optimizing the pension fund structure: use asset diversification, implement modern risk management frameworks, integrate corporate and private components.
• Scaling strategies for pension services – process automation, implementation of cross-border pension plans, integration with HR and payroll systems.
• Ensuring legal protection and compliance with ESG and AML, regular policy updates, staff training, integration with international standards.
• Using technologies to increase efficiency – cloud solutions, mobile platforms, automation of reporting and actuarial calculations.

Key takeaways and practical steps

Classification of pension services and jurisdiction analysis: the foundation for successful development of corporate pension schemes in the context of globalization. Main challenges: multi-jurisdictional requirements, tightening of AML, demographic changes and the need for transparency. Opportunities: automation, adoption of ESG, optimization of fund structures and integration of international standards.

I recommend that entrepreneurs and executives use a comprehensive approach: analyze the specifics of jurisdictions, implement management best practices, conduct regular audits and integrate innovative solutions. COREDO’s experience shows that only such an approach ensures long-term sustainability, transparency and maximum profitability of corporate pension services.

Key features:

• The need to take into account cross-border legal risks and differences in international business law.
• Requirements for PI insurance can vary significantly depending on jurisdictional requirements: coverage limits, list of risks, requirements for the insurer.
• When arranging PI insurance for international business, it is important to choose an insurer with experience in the relevant regions and with licenses in the corresponding jurisdictions.
• In some cases, providing documents in multiple languages is required, confirmation of corporate structure, KYC procedures, information about Due Diligence and AML compliance.
• Maintaining the policy requires regular reporting, policy renewal terms and confirmation of claims history.

How to choose professional indemnity insurance?

Making the right choice and arranging PI insurance requires a systematic approach.
At COREDO we recommend the following process:

1. Business risk assessment:
   Conduct an audit of business processes, identify potential areas of professional negligence, contractual liability, cross-border legal risks, determine the list of services and the geographic scope of operations.
2. Determining the coverage limit:
   The PI insurance limit should correspond not only to the regulator’s minimum requirements but also to the actual risks of the business. For international companies it is optimal to calculate the limit based on turnover, transaction size, number of clients and the specifics of services.
   In COREDO’s practice for companies with turnover from €5 million the PI limit often amounts to €2–5 million per insured event.
3. Choosing an insurance broker and insurer:
   It is important to choose an insurance broker with experience in your industry and region. Check licenses, claims history, policy excess (retention) terms, availability of endorsements and extensions for specific risks.
4. Document preparation:
   Typically, articles of incorporation, licenses, corporate structure, information about key personnel, a description of due diligence processes, AML compliance, KYC procedures, and claims history are required.
5. Underwriting and policy issuance:
   The underwriting process includes risk analysis, assessment of corporate structure, review of compliance procedures, agreement on coverage terms and cost.
   Don’t forget about continuous cover; it is important that PI insurance covers all past periods of activity (retroactive date).
6. Monitoring and renewal:
   Regularly review limits, terms, policy renewal terms, integrate PI insurance into business processes, and train the team to handle claims.

• Failure to notify the insurer of a claim in a timely manner (claims-made policy).
• Incorrect description of activities or corporate structure.
• Exclusion of key risks from the policy (policy exclusions).
• Lack of endorsements for specific services (e.g., AML, fintech, digital legal platforms).

In 2025, more than 60% of new international brokerage firms choose Belize as the initial jurisdiction for licensing securities trading and forex services.

License: Key Requirements

Company Requirements

COREDO’s experience shows: choosing the right legal form is the foundation of successful licensing. For obtaining a financial license in Belize, two structures are optimal: an International Business Company (IBC) and a Limited Liability Company (LLC). Each format has its nuances, but for international brokerage and investment projects an IBC is most often preferable: due to the flexibility of corporate governance and the ability to work with non-resident shareholders.

Key requirement: minimum share capital of $500,000. This requirement applies to licenses for securities trading, forex, investment activity and asset management. In COREDO’s practice there were cases when clients tried to optimize capital structure, but the IFSC (Belize International Financial Services Commission) consistently requires documentary confirmation of full capitalization before submitting the application.

Another strategically important aspect is a resident director in Belize. According to IFSC regulatory standards, at least one board member must be a resident of the country. This is not a formality: the resident director is responsible for local compliance, interaction with the regulator and ensures the company’s physical presence. In several cases COREDO selected qualified resident directors with experience in financial and legal matters, which significantly sped up the licensing process and reduced the risk of refusal.

Business documents

The most important stage is preparing the documents for the application. The solution developed at COREDO includes comprehensive legal and financial documentation adapted to IFSC requirements and international standards.

The standard set of documents includes:

• Articles of Association, which set out the rights and obligations of members, the management structure and decision-making procedures.
• A business plan for obtaining a license in Belize, a detailed document including financial forecasts, a description of target markets, risk management strategies, plans for implementing FinTech solutions, as well as models of collective financing and investment protection.
• Information on directors and shareholders: detailed biographies, proof of qualifications, reference letters, KYC dossiers.
• AML and CFT policies: internal procedures for combating money laundering and the financing of terrorism, including descriptions of compliance methodologies, transaction monitoring systems, and staff training.

License: Obtaining

To proceed to the next stage, you must carefully study the application submission procedure and the document requirements.

Application Submission

The step-by-step procedure begins with submitting the documents to the Belize International Financial Services Commission (IFSC). At this stage, it is important not only to properly prepare the legal documents but also to ensure transparency of the corporate structure, sources of funding and the qualifications of key persons.

COREDO implemented a number of projects where special attention was paidabout the preparation of a business plan with financial forecasts, as well as the documentary formalization of the authorized capital. IFSC requires confirmation of the deposit of the minimum authorized capital ($500,000) into the account of the licensed company at a Belize bank – this is a mandatory condition for the consideration of the application.

Fees and payments include:

• One-time application fee (set by IFSC, usually from $1,000 to $5,000 depending on the type of license).
• Annual license fee – $25,000, payable after approval and annually thereafter.

How to obtain a license and pass the review

After submitting the application IFSC conducts a comprehensive review of the company. This includes:

• Analysis of the corporate structure, shareholder transparency, absence of conflicts of interest, confirmation of directors’ qualifications.
• Review of the business plan and financial forecasts: realism, consistency with stated objectives, and the presence of risk management strategies.
• Assessment of AML and CFT policies, compliance with international standards, existence of compliance and KYC procedures, and staff training.
• Verification of authorized capital: confirmation of funds being credited to the account in a Belize bank.

The COREDO team repeatedly assisted clients during the review stage, including preparation for interviews with IFSC, collection of additional documents and clarifications on compliance procedures. In one case, thanks to detailed work on KYC processes and the implementation of FinTech solutions, the license was obtained in 8 weeks — one of the best results on the market.

After successful review IFSC issues a securities trading license in Belize. From that moment the company may legally carry out brokerage activities, asset management, investment and forex operations, and also work with payment systems (PSP license).

Annual obligations: risks and responsibilities

Annual fees and taxes: what to pay?

Licensed companies in Belize are subject to fixed annual fees:

• Annual license fee: $25,000. It is important to note that late payment leads to suspension of the license and fines.
• Stamp duty and administrative charges: usually do not exceed $1,000 per year.
• Taxes: Belize does not charge tax on profits from the sale of shares and securities transactions, which makes the jurisdiction attractive for international brokerage and investment structures.

Risks and responsibilities in business

Holding a securities trading license in Belize is associated with a number of legal and financial risks:

• legal risks: Violation of AML/CFT requirements, falsity of KYC documents, non-compliance with international reporting standards (IFRS) can lead to license revocation, fines and even criminal liability.
• Financial risks: Market fluctuations, insufficient capitalization, errors in asset management — all of this can affect business resilience and return on investment (ROI).
• Compliance risks: Regular IFSC inspections, implementation of new international standards, and legislative changes require continuous updating of internal procedures and staff training.

Practical conclusions on SEO

Key conclusions of the article

Obtaining a securities trading license in Belize is not just a formal process, but a strategic step toward scaling the business in international markets. Key stages confirmed by COREDO’s experience:

• company registration in Belize (IBC or LLC) with a minimum authorized capital of $500,000 and a resident director.
• Preparation of a business plan with financial forecasts, risk management strategies and implementation of FinTech solutions.
• Compliance with AML/CFT requirements, implementation of compliance procedures and KYC automation.
• Submission of the full document package to IFSC, payment of fees, passing the review and obtaining the license.
• Annual fulfillment of obligations — payment of fees, audit of financial statements, updating compliance policies.

Advantages and Prospects

A securities trading license in Belize opens access to the markets of Europe, Asia and the CIS, allows working with international investors, implementing modern payment systems and PSP licenses, and also using tax incentives.

COREDO has supported projects where the Belize license became a key driver for scaling brokerage business, providing a return on investment (ROI) above market-average levels by optimizing the tax burden and access to new markets.

Development prospects are linked to the ongoing improvement of Belize’s legislation, the implementation of international financial reporting standards (IFRS), strengthening compliance requirements and FinTech innovations. The COREDO team monitors these changes and integrates them into client solutions, ensuring long-term sustainability and business competitiveness.

In 2025 Mauritius holds leading positions among jurisdictions for international investment operations: according to FSC Mauritius, over the past three years the volume of registered investment companies has grown by more than 40%, and the number of applications for Mauritius Investment Dealer License steadily increases each year.

Mauritius offers a unique balance of these factors.

The main reason is the combination of a transparent, FATF-compliant regulatory environment, the absence of capital gains tax on securities transactions, an 80% foreign tax credit and the status of a strategic bridge between the markets of Asia and Africa.

Many clients COREDO, analyzing options for global business structuring, face a typical dilemma: how to reconcile strict compliance, tax optimization and a rapid entry into new markets? Mauritius offers a unique balance of these factors.

Ready to learn how to leverage Mauritius to scale your investment business and avoid common mistakes?

In this article I will thoroughly examine all the key aspects of licensing an Investment Dealer in Mauritius, relying on COREDO’s practice and recent international sources. Read to the end: you will receive not only a step-by-step guide but also strategic recommendations that will help take your business to a new level.

Types of Investment Dealer licenses in Mauritius

Types of Investment Dealer licenses in Mauritius cover a wide range of financial services with different rights and requirements for companies wishing to conduct investment activities on the island. Understanding the features of each license category and their differences is important for choosing the optimal option that meets business objectives and satisfies the Mauritius regulator’s requirements.

License categories and their differences

In COREDO’s practice we see that the choice of Investment Dealer Mauritius license category determines not only the range of permitted operations but also the strategy for entering international markets. FSC Mauritius offers four main license categories, each aimed at different business models and capital levels:

For fintech companies and startups focused on automation and execution-only services, the Discount Broker is an optimal starting option. If the business model involves comprehensive deal support, underwriting and asset management, an Investment Dealer Full Service license including underwriting will be required.

The COREDO team has repeatedly supported projects obtaining licenses for trading derivatives and virtual assets; these areas are especially in demand among clients entering the markets of Asia and Africa.

FSC Mauritius licensing requirements

FSC Mauritius licensing requirements impose a set of strictly regulated conditions on companies wishing to conduct financial activities in Mauritius. Compliance with these requirements is a mandatory step to obtain a license and to operate within the regulated environment. Below we will consider the main regulatory requirements that applicants must meet.

Key regulatory requirements

Mauritius features a strict but transparent licensing system, as confirmed by COREDO’s practice when working with FSC licensing requirements. To obtain a Mauritius Investment Dealer License the following is required:

• Legal form: Registration only through a Category 1 Global Business Company (Mauritius GBC). This status provides access to tax benefits and international agreements.
• Capital: Minimum capital requirements depend on the license category and must be maintained for the duration of the license. The regulator closely monitors capital adequacy and requires confirmation of the sources of funds.
• Staff qualifications: Directors and key personnel undergo a fit and proper test, confirming relevant experience and education. At COREDO we recommend preparing a dossier for each candidate in advance to speed up the approval process.
• AML/CFT compliance: Mandatory appointment of an MLRO (Money Laundering Reporting Officer) and a compliance officer, both must be residents of Mauritius. The development and implementation of internal AML/CFT, KYC, CDD, EDD procedures is not a formality but a real tool to protect the business from sanctions and reputational risks.
• Professional insurance: Professional Indemnity insurance is required; the coverage amount is determined by the scale and profile of activities. Solutions developed by COREDO allow optimizing insurance costs without compromising compliance.
• Audit and reporting: Annual audit by a licensed Mauritian auditor, regular submission of financial and regulatory reports, bookkeeping in accordance with international standards.
• Office and infrastructure: Presence of a physical office in Mauritius, appropriate IT infrastructure and trading platform. COREDO’s practice confirms: the higher the level of substance, the easier it is to open bank accounts and to undergo international Due Diligence.

These requirements form a solid foundation for the long-term development of an investment business and for minimizing regulatory risks.

More details on the application procedure and review timelines: in the next section.

Application for licenses: process and timelines

The license application: process and timelines requires a careful approach: to obtain a license it is important to prepare a set of documents, comply with the formatting requirements and know the stages of interaction with the licensing authority. Understanding the key steps and timelines will help make the licensing process predictable and controllable.

Stages and documents for the process

From COREDO’s experience, successfully obtaining a Mauritius Investment Dealer License is always the result of thorough preparation and clear communication with the regulator. The process consists of several key stages:

• Preparation of a business plan, financial model, compliance manual, internal procedures, client agreements. Documents should not be template-based but reflect the real business logic, risks and development strategy.
• Due diligence on founders, beneficiaries, directors and key employees. Special attention is paid to sources of funds and the history of business reputation.
• Appointment of an MLRO, compliance officer and auditor. All key employees must be approved by the FSC Mauritius.
• Submission of the full document package to the FSC Mauritius. At this stage accuracy and completeness are important; any inaccuracy may lead to delays.
• The application review usually takes 8–12 weeks. The regulator may request additional information or clarifications.
• obtaining the license and the start of operations with adherence to ongoing compliance obligations, regular reporting and maintaining substance.

At COREDO we assist clients at all stages, including preparing the business plan, developing the compliance manual and organizing internal procedures, which significantly speeds up the approval process.

Tax benefits for businesses

Mauritius offers unique tax and business opportunities for investment companies:

• No capital gains tax on securities transactions, which allows optimizing the returns of investment strategies.
• 80% foreign tax credit – the possibility to credit foreign taxes, which reduces the effective corporate tax rate to 3–5%.
• Access to a network of DTAs (double taxation avoidance agreements) with key countries in Asia and Africa, which facilitates cross-border operations and reduces the tax burden on international capital flows.
• Opportunities for fintech and virtual assets. Mauritius is actively developing the regulation of virtual assets and derivatives, which allows integrating these areas into the Investment Dealer Mauritius license.
• Business scaling: access to Asian and African markets through Mauritius as a hub. The COREDO team has implemented projects to structure cross-border operations using the Mauritius investment dealer Asia-Africa bridge, which gave clients a significant advantage in the speed and flexibility of entering new markets.

These factors make Mauritius one of the most attractive jurisdictions for international investment companies, fintech startups and brokerage platforms.

Risks and business challenges in licensing

Licensing and doing business in Mauritius are associated with a number of specific risks and challenges that are important to consider at the strategic planning stage:

• Strict AML requirements/CFT: The regulator regularly updates requirements, and non-compliance even with formal procedures can lead to license suspension. Implementation of a risk-based approach and regular internal audit: mandatory elements of sustainable compliance.
• High capital requirements: For Full Service licenses significant capital is required, which must be evidenced and maintained in the company’s accounts.
• The need to maintain substance: a real presence, qualified personnel and infrastructure in Mauritius — not just a formality but a key factor for successfully opening accounts and undergoing international due diligence.
• Sanctions risks: Violation of regulatory norms can lead to fines, license revocation and account freezes.
• Difficulties with opening bank accounts: International banks impose heightened requirements on GBC companies, especially regarding transparency of structure and sources of funds. Solutions developed by COREDO include preparing an enhanced compliance package and supporting negotiations with banks.

Technologies and infrastructure for an investment dealer

Modern investment business is impossible without a developed technological platform and reliable IT infrastructure:

• Trading platform: Requirements for reliability, security and integration with liquidity pools and prime brokers are constantly growing. Solutions implemented by COREDO include customization of trading platforms to meet FSC Mauritius requirements.
• IT infrastructure: Compliance with international cyberse…

security and data protection (ISO, GDPR), a mandatory requirement for working with institutional clients and banks.

• Compliance automation: Implementing solutions for KYC, AML, automated reporting and transaction monitoring significantly reduces operational risks and personnel costs.
• Support for fintech solutions: The ability to work with virtual assets, derivatives, algorithmic trading and integration with external services via API is an important competitive advantage for new market entrants.

COREDO’s practice confirms: investments in technological infrastructure and compliance automation quickly pay off through increased efficiency and reduced regulatory risks.

Choosing a service provider for your business

The success of licensing and subsequent operations largely depends on choosing a reliable service provider:

• selection criteria: Experience working with FSC Mauritius, availability of licensed lawyers and compliance specialists in Mauritius, proven reputation and a transparent fee structure.
• Comprehensive support: From GBC registration and preparation of a full document package to organizing internal procedures, audits and ongoing compliance. The COREDO team has implemented dozens of projects where support covered all stages of a company’s lifecycle: from start-up to scaling.
• Outsourcing compliance and reporting: To optimize costs and reduce operational risks, many COREDO clients choose the outsourcing compliance model and the transfer of some functions to third parties (third-party service providers) under the supervision of an internal compliance officer.

This approach allows focusing on business development without being distracted by routine and minimizes the risk of errors when interacting with the regulator.

Comparison of Mauritius with other jurisdictions

Choosing a jurisdiction for registering an investment company is a strategic decision that affects not only the tax burden but also market access, licensing speed and business reputation. In practice, COREDO often compares Mauritius with jurisdictions such as Cyprus, Singapore, Estonia and the United Kingdom.

Thus, a proper choice of jurisdiction allows significantly increasing the competitiveness of an investment company and minimizing regulatory, tax and operational risks, which determines the next steps in structuring the business.

Key conclusions and practical tips

• Choose the license category based on the business model and scaling plans. For execution-only services a Discount Broker is sufficient; for comprehensive services – Full Service.
• Ensure full AML compliance/CFT: appoint experienced MLRO and compliance officer, implement a risk-based approach and automated monitoring systems.
• Invest in qualified personnel and infrastructure: substance in Mauritius is the key to successfully opening accounts and passing due diligence.
• Use tax advantages: optimize international operations through the 80% foreign tax credit and the absence of capital gains tax.
• Consider integrating derivatives and virtual assets: this is a promising direction for fintech startups and investment platforms.
• Choose a reliable service provider: the partner’s experience and expertise significantly speed up the licensing process and minimize risks.
• Plan regular audits and monitoring of regulatory changes: this is the key to sustainable business development and trust from partners and clients.

Turning to website SEO optimization, let’s review the key aspects of effective promotion.

Conclusion on website SEO optimization

Mauritius is not just an attractive tax jurisdiction, but a full-fledged international hub for investment business, fintech and brokerage platforms. Successful licensing and conducting activities here requires a deep understanding of local requirements, investments in compliance, infrastructure and qualified personnel. COREDO’s experience shows: entrepreneurs ready for these challenges gain unique opportunities to scale their business in Asian and African markets by using the Mauritius Investment Dealer License as a strategic growth tool.

In 2025 the financial services market in South Africa is showing growth rates that surprise even experienced analysts: according to the FSCA, the volume of electronic payments in the country increased by 18% over the past year, and the number of applications for financial service provider licenses in South Africa reached a historic high.

Amid tightening regulation and growing requirements from the South African Reserve Bank (SARB), even experienced entrepreneurs face opacity in procedures, difficulties in preparing documentation and the need for a deep understanding of legislation, including the Financial Sector Regulation (FSR).

If you want to gain a strategic advantage and avoid pitfalls, I recommend reading to the end — you will find answers to the most pressing questions and learn how the COREDO team helps clients not only to obtain a license but also to build an effective business model in South Africa.

Licensing of payment systems in South Africa

The South African Reserve Bank (SARB), the key regulator that sets the rules of the game for everyone planning to provide financial services in South Africa. SARB is responsible not only for issuing the national currency but also for supervising payment systems, ensuring the stability and transparency of the financial sector in South Africa.

It is the FSR that determines which types of licenses are available, from the Payment Institution License (PI license in South Africa) to specialized permits for cryptocurrency and fintech companies.

In COREDO’s practice there are cases when companies that did not pay sufficient attention to the details of the FSR faced license refusals due to non-compliance with structural or procedural requirements. Therefore, a deep understanding of the regulatory environment is the foundation for a successful launch of payment systems and other financial services in South Africa.

Understanding all aspects of the FSR plays a decisive role in preparing to meet the requirements imposed on financial service providers in South Africa.

Requirements for financial service providers in South Africa

Requirements for financial service providers in South Africa reflect high standards of transparency, control and business resilience. The FSCA regulator imposes strict conditions on capital, internal procedures and the qualifications of key persons to ensure client protection and industry stability. Below we will consider the key aspects that a provider must meet when entering the South African market.

Financial stability and types of capital

SARB imposes strict requirements on the financial stability of applicants. The minimum amount of authorized capital for a PI license in South Africa depends on the volume and nature of the services offered, but COREDO’s practice shows: for most companies the optimal capital level starts from 5 million ZAR (equivalent in foreign currency is allowed). It is important not only to show the availability of funds but also to justify their origin: this is a key element in the fight against money laundering.

Qualifications and experience of managers

SARB and the FSCA (Financial Sector Conduct Authority) require that management and key employees have not only relevant education but also proven experience in the financial sector. It is important to demonstrate competencies in risk management, AML/KYC procedures and corporate governance.

Internal company policies and procedures

Without a soundly developed business plan and internal policies, obtaining a PI license in South Africa is practically impossible. The regulator requires a detailed description of the business model, financial forecasts, risk management strategies, as well as the implementation of comprehensive AML/KYC procedures.

Implementing an internal control system and regular audits is not a formality but a mandatory condition. The solutions developed at COREDO allow clients not only to meet SARB requirements but also to build an effective transaction monitoring system, which is especially relevant for companies working with digital financial services.

How do I obtain a financial services provider license in South Africa?

obtaining a license for a financial service provider in South Africa: this is structuredThis process requires careful preparation of documents in strict compliance with the requirements of local legislation and the FSCA regulator. It is important not only to correctly assemble the main package, but also to take into account specific criteria regarding corporate structure, the qualifications of key persons and internal regulations – it is from these stages that the path to successful licensing begins.

Preparation of the document package

Key stage: compiling the full set of documents. The list includes:

• Founding documents (articles of association, certificate of incorporation)
• A detailed business plan with financial models
• Policies on AML/KYC, risk management, and internal controls
• Proof of management’s qualifications
• Audited financial statements and information on the source of funds

In one of COREDO’s cases, a client from the EU had to adapt internal policies to the specifics of South African legislation to avoid additional requests from the SARB.

Timelines and stages of application review

After submitting documents to the SARB, a multi-stage review procedure begins. The regulator may request clarifications, additional information and conduct interviews with management. In practice, the process takes from 4 to 8 months, in some cases longer if questions arise about ownership structure or sources of funding.

License costs: obtaining and maintaining

Total expenses include government fees (from 200 000 ZAR), auditors’ and consultants’ services, as well as regular payments for maintaining the license and carrying out mandatory checks. It is important to account for expenses for annual updates of internal policies and staff training – COREDO’s practice confirms that savings in these items can lead to fines or even suspension of the license.

How does licensing in South Africa depend on the FATF and its standards?

South Africa: a FATF member, which means all financial service providers are required to integrate international AML/KYC standards into their business processes. FATF requirements directly affect the structure of compliance procedures, the internal control system and disclosure obligations.

South African regulators actively implement FATF recommendations into national legislation, which is reflected in requirements for transparency of ownership structure, source of funds and regular reporting.

Risks when obtaining and maintaining a license

Particular attention is paid to financial stability, transparency of corporate structure and the effectiveness of AML/KYC procedures.

To minimize risks, we recommend implementing automated monitoring systems and conducting regular independent audits.

In a context of rapidly changing regulatory requirements, effective risk management becomes a critical factor for the long-term resilience of the business.

Let’s move on to an overview of modern payment system technologies in South Africa.

Modern payment system technologies in South Africa

Digital financial services and the adoption of new technologies are driving the development of the payment systems market in South Africa. The use of blockchain, artificial intelligence and cloud platforms enables licensed companies not only to optimize processes but also to meet growing regulatory requirements.

Such technologies are becoming the new standard for financial service providers in South Africa.

Technological trends also affect licensing requirements: the SARB expects applicants not only to comply with basic standards but also to be ready to rapidly implement innovations into operational activities.

How to obtain a license: step-by-step guide

COREDO’s experience shows that successfully obtaining a financial service provider license in South Africa requires a clear step-by-step plan:

• Conduct a readiness audit of the company for licensing: assess structure, finances, and team qualifications.
• Prepare a complete document package taking into account SARB and FSR requirements.
• Develop and implement internal AML/KYC, risk management and internal control policies.
• Ensure transparency of ownership structure and sources of funding.
• Engage proactively with the regulator, providing clarifications and supplementing documents upon request.

To optimize the process, the COREDO team recommends using digital tools for preparing and storing documents, as well as engaging independent experts in advance to assess the business plan and compliance procedures. This approach reduces costs and minimizes the likelihood of refusal.

Consequences of a license refusal
Initiatives for business and development

Refusal of a financial service provider license in South Africa can be caused by insufficient document preparation, an opaque ownership structure, or non-compliance with AML/KYC standards. It is important to understand that a refusal is not a sentence: the COREDO team has assisted clients at the appeal stage, helping to address comments and resubmit the application.

Nevertheless, with a competent approach and timely adjustment of business processes, it is possible to restore market positions.

Obtaining a PI license opens up new prospects: expanding the product range, entering international markets, attracting investment. The prospects for the development of financial services in South Africa directly depend on companies’ readiness to integrate new technologies and comply with international standards.

Key conclusions and recommendations

A financial service provider license in South Africa is not only a formal permit but also a strategic asset that ensures legality, client trust, and access to a fast-growing market. Successful licensing requires a deep understanding of the regulatory environment, strict compliance with SARB and FSR requirements, and a willingness to integrate FATF international standards.

For entrepreneurs and executives interested in international expansion, this market opens up unique opportunities, provided there is professional support and strategic planning.

If you are ready for new challenges and want to gain a competitive advantage in the South African financial services market, the COREDO team is always ready to share its experience and help at every stage of the journey.

In 2024 more than 60% of corporate fraud cases in Europe and Asia were detected thanks to the analysis of open-source data, OSINT. At the same time, the damage from undetected risks when choosing foreign partners or registering companies in new markets can reach tens of millions of euros. Why are even experienced entrepreneurs and chief financial officers vulnerable to complex schemes and hidden threats? How to control reputational, financial and legal risks in a world where information becomes the main asset, and its reliability: the key factor of success?

At COREDO we see how OSINT data checks are becoming the standard for registering legal entities in the EU, Asia, the UK, Singapore and Dubai, as well as for assessing partners’ reliability and managing corporate security.

OSINT data verification: methods and tools

OSINT data verification is based on the use of various methods and tools for searching, verifying and analyzing information from open sources. This approach uses both technical means and analytical techniques that allow a comprehensive assessment of the reliability of the obtained data and the identification of hidden connections.

Classification of OSINT analysis methods

Over years of work the COREDO team has implemented dozens of projects where OSINT data verification from open sources became a key element of comprehensive business support. In modern practice several approaches are distinguished:

• Manual collection of information from open sources – analysis of corporate registers, court decisions, media publications, social media profiles. This approach allows deep immersion into details but requires significant time and a high level of expert qualification.
• OSINT automation: using specialized OSINT frameworks and parsing scripts to collect large volumes of data from government and commercial registers, aggregators, and specialized databases. This speeds up the process and minimizes the human factor, especially for mass checks of counterparties or registration of legal entities in multiple jurisdictions.
• SOCMINT (Social Media Intelligence): analysis of social networks for reputation monitoring, identifying affiliated persons, assessing public activity and hidden connections. At COREDO we use SOCMINT to detect potential conflicts of interest and analyze reputational risks when entering new markets.
• Parsing and web scraping: automated collection of information from open registers, corporate websites, tender platforms. Solutions developed at COREDO allow integrating parsing with internal CRM and ERP systems, providing a continuous flow of up-to-date data.
• Geolocation analysis – verification of the accuracy of addresses, locations of assets and branches using tools like GeoIQ, Google Maps, OpenStreetMap. This approach is especially in demand when registering companies in the EU and Asia, where requirements for address confirmation and physical presence are constantly tightening.
• Visualization of links, building connection graphs between legal entities and individuals using Maltego, which allows quickly detecting hidden affiliated structures, chains of ownership and risks of conflicts of interest.
• Use of AI and machine learning – modern OSINT tools with artificial intelligence and Natural Language Processing (NLP) greatly increase analysis accuracy, enable detection of fraud patterns, automate processing of big data and forecast risks.

At COREDO we are convinced that a competent choice of OSINT tools is critically important for verification effectiveness; below we will consider the top-5 solutions that have proven their practical value.

Top 5 OSINT tools for search and analysis

At COREDO we actively use these tools to vet counterparties, analyze corporate structures and monitor reputational risks. For example, Maltego enables rapid construction of connection graphs between companies and beneficiaries, while SpiderFoot automates the collection of information from dozens of sources, including court and government registers. Implementing OSINT frameworks with AI and machine learning support allows us to significantly increase the effectiveness of due diligence and AML processes, especially when working with companies from the EU, Singapore and Dubai.

Application of OSINT in company registration and support

The application of OSINT in company registration and support provides unique opportunities for collecting and analyzing information from open sources, which significantly reduces risks and helps to make ob

Informed decisions at all stages of working with counterparties and partners. Thanks to OSINT, companies can effectively identify potential threats, verify the reliability of market participants, and ensure transparency of business processes.

Counterparty checks and due diligence

OSINT checks of counterparties are an integral part of comprehensive due diligence, especially when registering legal entities in Europe and Asia. The COREDO team has repeatedly encountered situations where standard registry checks did not reveal hidden risks, while deep OSINT analysis made it possible to uncover affiliated persons, legal disputes, or signs of financial misconduct.

• Analysis of court and government registries: automated monitoring makes it possible to detect not only current but also historical legal issues related to a potential partner.
• Reliability checks: using OSINT to assess business reputation, analyze mentions in the media and social networks, and identify negative patterns.
• Identifying affiliated persons, building relationship graphs, and correlating data from different sources helps uncover hidden ownership structures and risks of conflicts of interest.

OSINT for legal entities in the EU and Asia

Jurisdiction specifics of the EU, Singapore, Cyprus and Dubai require not only verification of incorporation documents but also deep analysis of sources of capital, ownership structure, and the activity history of beneficiaries. COREDO’s solutions allow integrating OSINT checks into the registration process, minimizing the risk of license refusal or account blocking.

• Relevant data: corporate and court registries, beneficiary databases, sanctions lists, media publications.
• Fraud avoidance: automating OSINT processes reduces the likelihood of errors and omissions, and allows quick response to changes in partners’ status.
• Legal nuances: in different countries requirements for disclosure of information and verification of sources of funds can vary significantly – expertise and local market knowledge are critically important here.

Thus, the proper integration of OSINT becomes the basis of effective and up-to-date compliance control, smoothly leading to the consideration of practices for incorporating OSINT into AML and KYC processes.

Integrating OSINT into AML and KYC processes

The role of OSINT in combating money laundering (AML) and implementing KYC (Know Your Customer) procedures is becoming increasingly significant. At COREDO we automated the collection and analysis of data for AML checks, which allows not only detecting suspicious transactions but also promptly responding to changes in legislation.

• Monitoring changes in laws and regulations: automated OSINT frameworks integrate with international databases, ensuring the checks are up to date.
• Best practices for entrepreneurs: implementing OSINT in AML processes helps minimize the risk of non-compliance with regulators’ requirements, especially when working with financial licenses (crypto, forex, payment services).
• Business risk assessment: analysis of public and private databases, reputation monitoring, identifying affiliated persons and suspicious behavior patterns.

Legal support using OSINT

Integrating OSINT into companies’ legal support provides not only reputation monitoring and fraud detection but also corporate security management at the strategic level.

• Monitoring automation: modern OSINT tools enable tracking the emergence of new risks in real time, integrating with risk management and compliance systems.
• Corporate security management: building relationship graphs, analyzing social networks, monitoring the dark web and specialized forums helps detect threats before they lead to financial or reputational losses.
• Estimating ROI from OSINT implementation: COREDO’s experience shows that the return on investment from implementing OSINT solutions can reach 400-600% due to reduced time on checks, fewer incidents, and increased due diligence efficiency.

Legal and ethical aspects of OSINT

Using OSINT is inevitably associated with both legal and ethical aspects: even when working with open sources, an analyst faces legal restrictions and the need to observe principles of privacy and respect for personal data. Reviewing the key legal requirements and ethical standards for OSINT use will help clarify these issues.

Legality and legal limitations

The collection and use of data from open sources is regulated by national and international laws. The EU enforces the strict GDPR regime, in the United Kingdom: the Data Protection Act, in Singapore, the Personal Data Protection Act. COREDO’s practice confirms: compliance with legal restrictions is a mandatory condition for the legitimacy of OSINT processes.

• What is allowed: analysis of public registries, open databases, information from the media and social networks, if it does not violate privacy rights.
• What is prohibited: using data obtained illegally, bypassing paid or protected systems, violating confidentiality.

Personal data: how to protect it

Implementing OSINT requires special attention to protecting personal data. COREDO’s solutions include anonymization, encryption, and access control mechanisms, which allow compliance with GDPR requirements and similar regulations in Asia and Europe.

• GDPR compliance: process automation of deletion and correction of personal data, transparency of information processing procedures.
• Minimizationleak risks: regular audit of OSINT systems, employee training, implementation of cybersecurity best practices.

Corporate intelligence ethics

Corporate intelligence based on OSINT should be built on principles of transparency, respect for privacy and non-discrimination. At COREDO we implement internal ethical standards that ensure the proper use of OSINT tools and minimize risks for all participants in business processes.

Cases and best SEO practices

Cases and best SEO practices not only show how solutions work in practice, but also identify effective strategies for website promotion. By analyzing real cases from COREDO’s practice, we will show which SEO methods really deliver results and how to apply them to achieve business goals.

COREDO case studies

• Detecting fraud during company registration in the EU: OSINT analysis made it possible to discover that one of the potential partners was connected to a network of companies involved in tax evasion investigations. Thanks to this, the client avoided reputational and financial losses.
• Speeding up AML procedures for a fintech company in Singapore: automating data collection and analysis using NLP and AI reduced verification time from several days to several hours, increasing transparency and the quality of compliance.
• Assessing reputational risks when entering the UK market: analysis of social networks and news aggregators revealed hidden negative mentions about key beneficiaries, which allowed the client to adjust their market entry strategy.

Common SEO mistakes and consequences

• Ignoring local legal restrictions: in one case an attempt to use unauthorized data sources led to legal claims and fines. COREDO’s practice proves: compliance with the law is not an option but a mandatory condition for long-term success.
• Insufficient automation of OSINT processes: manual data collection led to missing critically important facts, which caused financial losses for the client. Implementing automated OSINT frameworks eliminated this risk.

Key conclusions and recommendations

Key conclusions and recommendations reflect the main changes in SEO in 2025 and help understand how to build an effective promotion strategy today. Below are the main insights you must consider to achieve maximum results in search promotion.

Main SEO insights for 2025

OSINT is not just a trendy term, but a must-have for any business entering international markets. Only a comprehensive OSINT verification of data from open sources allows you to minimize risks, increase transparency and ensure compliance with the requirements of regulators in the EU, Asia and other regions.

Step-by-step security check: implementing OSINT methods

1. Define the goals and objectives of OSINT processes, company registration, counterparty checks, AML, KYC.
2. Choose appropriate tools and methods: automated OSINT frameworks, parsing, social network analysis, relationship visualization.
3. Integrate OSINT with internal risk management and compliance systems – CRM, ERP, AML platforms.
4. Ensure compliance with legal and ethical standards: personal data protection, process audits, employee training.
5. Assess ROI and scale processes: automation and the use of AI significantly increase efficiency and reduce costs.

Checklist for entrepreneurs

• Check corporate and court registers, sanctions lists, and beneficiary databases.
• Use relationship visualization tools to identify affiliated persons and ownership structures.
• Integrate OSINT into AML and KYC procedures, automate data collection and analysis.
• Monitor changes in legislation and regulations in selected jurisdictions.
• Evaluate the economic efficiency of implementing OSINT: reduced verification time, fewer incidents, improved quality of due diligence.

In 2025 the global online payments market exceeded $10 trillion, and the number of transactions processed by international payment companies for businesses grew by 20% year on year (data from McKinsey, Statista, Deutsche Bundesbank). This is not just a record – it is a challenge for any entrepreneur whose business extends beyond one country. Why do some companies scale globally in a matter of months, while others lose customers because of inconvenient payment solutions? How to choose a payment system that not only integrates with your ERP but also provides security, flexibility and fee transparency for international trade?

In practice COREDO finds that most mistakes when choosing payment solutions for e-commerce and B2B transactions are related to underestimating nuances: from support for multi-currency transactions and cryptocurrency payments to legal AML and KYC requirements. In this article I will analyze in detail which payment companies for businesses actually operate in Europe, Asia and the CIS, how to compare aggregators and gateways, what to pay attention to when integrating with CMS and ERP, and which performance metrics really show ROI from payment systems. If your goal is to take the business to a new level, optimize online payments and reduce risks, I recommend reading the article to the end: you will receive not only an overview but also practical recommendations based on COREDO’s experience and international cases.

Payment companies for businesses

Payment companies for businesses today play a key role in ensuring stable and transparent settlements between partners around the world. Against the backdrop of growing demands for speed, security and flexibility of international transactions, choosing a reliable payment aggregator becomes a strategic issue for any business.

Market leaders among international payment aggregators

In recent years the COREDO team has implemented dozens of projects to deploy payment solutions for e-commerce and B2B in the EU, the UK, Singapore and the UAE. The following international payment aggregators are most in demand:

• Stripe – the choice of tech companies that value flexible API integration, support for multi-currency transactions and the ability to accept cryptocurrency payments through partner services. Stripe allows you to quickly enable online payments, automate recurring payments and scale a business in 40+ countries. In COREDO’s case for a large e-commerce client, Stripe integration reduced the time to enter new markets by 30% thanks to ready-made modules for CMS and ERP.
• PayPal – a benchmark for security and buyer protection, especially for B2C and e-commerce. The system supports instant online payments, integration with mobile apps (Apple Pay, Google Pay), and also provides tools for risk management and refunds. PayPal is actively used for international payments; however, fees are above average and cryptocurrency support is absent.
• Verifone (2Checkout), an optimal solution for small and medium businesses that need recurring payments, flexible pricing and simple integration with CMS. In COREDO practice Verifone has proven its effectiveness for SaaS companies and educational platforms where subscriptions and payment automation are important.
• Square: a leader in the offline and online payments segment for retail and startups. Square offers POS terminals, mobile payments and installment tools, which is especially relevant for hybrid business models. The solution developed by COREDO for a chain of stores in the EU made it possible to combine online and offline sales in a single accounting system.
• Braintree, Shopify Payments, Authorize.Net: these aggregators are in demand among online stores operating in global markets thanks to broad support for bank cards (Visa, Mastercard, Amex), e-wallets and automated payments.

European payment systems

For companies focused on the EU and the UAE, COREDO’s practice confirms the high effectiveness of the following solutions:

• TransferWise (Wise) – the best choice for international transfers and multi-currency settlements. Wise offers favourable exchange rates, low fees and a transparent tariff structure. In COREDO’s case for an export-import company, integrating Wise reduced currency operation costs by 40% compared to traditional banks.
• Clear Junction, Fincofex, Checkout, specialized payment services for companies operating in the EU, the UK and the UAE. They provide fast B2B transactions, support for multi-currency accounts and advanced AML tools.
• National payment systems (for example, SBP in CIS countries, SEPA in Europe, Faster Payments in the United Kingdom) play a key role in local transactions and are often used for integration with international payment solutions.

Payment solutions and their features

Payment solutions play a key role in modern online commerce, and their choice directly affects the convenience, speed and security of operations. Each solution has its own characteristics that are important to consider when connecting online payments to a website or service.

Payment gateways and aggregators: which should you choose?

The choice between a payment gateway and an aggregator depends on the specifics of the business, transaction volume and integration requirements. COREDO’s experience shows:

• Payment gateways (for example, Authorize.Net, Adyen) provide direct access to acquiring, allow flexible configuration of authentication methods and integrate with ERP and CMS via advanced APIs. They are suitable for large companies that value full control over the process and customization of payment scenarios.
• Payment aggregators (Stripe, PayPal, Verifone) offer a quick start, minimal legal infrastructure requirements and simple integration with popular CMSs (Shopify, WooCommerce, Magento). For small businesses and startups this is the optimal choice, allowing online payments to be launched within days.
• Support for mobile payments (Apple Pay, Google Pay), cryptocurrency payments and recurring payments is becoming standard for next‑generation aggregators. COREDO case: for a fintech company from Singapore, implementing Stripe with support for crypto gateways and Apple Pay increased mobile payment conversion by 25%.

Payment solutions for businesses across different segments

• Small businesses and startups value easy onboarding, low fees and ready-made modules for CMSs. Payment solutions for small businesses (for example, Square, Stripe, PayPal) allow you to quickly launch an online store or subscription service without a complex legal structure.
• The B2B sector imposes specific requirements on payment systems: support for large transactions, multi-currency accounts, ERP integration and invoice automation. In COREDO’s practice, for a B2B company from the Czech Republic, integrating Clear Junction sped up processing of international payments and reduced risks thanks to built-in AML monitoring.
• Payment solutions for startups often require support for scaling, flexible pricing and the ability to quickly add new payment methods. The solution developed at COREDO for a SaaS platform included integration of Stripe and Verifone with automation of recurring payments and ROI analytics.
• ROI and performance metrics: key indicators include transaction processing cost, speed of fund settlement, decline rate, payment conversion and integration costs. COREDO analytics shows that regular audits of metrics allow optimizing payment processes and improving business margins.

How to choose a payment system for your business?

Choosing a payment system for a business is a key step that determines how convenient it is for customers to make purchases and how effectively the company can manage its finances. To make a well-considered decision, you should first define the main criteria that match the needs of your specific business and allow you to compare different payment companies by the most important parameters.

Criteria for choosing a payment company

• Fees and tariff transparency. It is important not only to compare aggregators’ fees but also to account for hidden costs: currency conversion, refunds, chargebacks. In COREDO’s work for an online store in Estonia, analysis of PayPal and Stripe tariffs revealed a difference in total costs of up to 15% at the same turnover.
• Security and risk management. Modern payment solutions for international transactions must comply with PCI DSS standards, support two‑factor authentication and provide fraud protection. AML consulting by COREDO helps clients not only implement technical measures but also build KYC/AML processes in accordance with the requirements of the EU, the UK and Singapore.
• Legal support and compliance. For companies operating in multiple jurisdictions, it is critical to choose payment services with EMI, PI, MSB licenses and support for local regulatory requirements.
• Support for multi‑currency and international payments. Business scaling requires flexibility in accepting payments from different countries, support for SWIFT, SEPA, Faster Payments, as well as the ability to accept cryptocurrency payments for e‑commerce.

Integration and operation of payment systems – tips

Integration with CMS and ERP. The best payment systems for e‑commerce offer ready plugins for Shopify, Magento, WooCommerce, as well as APIs for integration with corporate ERPs (SAP, 1C, Microsoft Dynamics). In one of COREDO’s projects, integrating Stripe with SAP automated payment reconciliation and sped up reporting.

Payment automation and subscription management. Recurring payments and automated renewal reminders increase customer loyalty and reduce churn rate. Aggregators with recurring payment capabilities (for example, Verifone, Stripe) enable flexible subscription schemes.

Cost optimization and efficiency improvement. Regular audits of fees, analysis of payment system performance metrics (conversion, processing speed, decline rate) and implementation of automated payments help reduce costs and improve ROI.

Business scaling. Payment solutions for global expansion should support new markets without the need for full reintegration. In a COREDO case for an e‑commerce company from the EU, choosing Stripe enabled launching sales in Asia and the UAE in 2 weeks thanks to a unified platform and support for local payment methods.

Ranking of popular payment companies for business 2025

Practical tips for entrepreneurs

1. Identify your business needs: volume and frequency of payments, customer geography, currencies, the need to support cryptocurrencies and mobile payments.
2. Assess security and AML compliance requirements: availability of licenses, KYC support, authentication methods, integration with internal risk management systems.
3. Choose a payment system considering fees and functionality: compare rates, refund conditions, automation capabilities and support for recurring payments.
4. Plan integration with scalability in mind: choose solutions with an open API, support for popular CMS and ERP, and the ability to quickly add new payment methods.
5. Use automation capabilities: implement recurring payments, automated notifications, and analytics on performance metrics.
6. Monitor the effectiveness of payment solutions: regularly analyze ROI, transaction processing speed, failure rates and customer satisfaction.

Article conclusion for SEO

Choosing a payment company for your business is a strategic decision that affects scaling, efficiency and competitiveness. COREDO’s experience shows that only a comprehensive approach — from analyzing needs to integration and ongoing auditing of payment processes — enables entrepreneurs and managers to achieve maximum results in international markets. If you aim to implement the best payment solutions for e-commerce, B2B transactions or global expansion, I recommend consulting COREDO experts and testing modern payment technologies in practice.

Private equity and M&A deals play a key role in the strategy of funds seeking to increase their returns and achieve meaningful capital growth. By investing in private companies and revaluing businesses through mergers and acquisitions, funds gain flexible tools for scaling and diversifying the portfolio.

These directions allow funds to effectively use market opportunities – below we will look at what private equity is and how the respective funds operate.

What is private equity and how do funds operate

private equity funds accumulate capital from institutional and private investors, forming a portfolio of companies with high growth potential. The key task is to implement private equity strategies that provide asset value growth and maximize returns with a controlled level of risk.

In COREDO’s practice we observe that successful private equity funds build their strategies on deep industry analysis, the search for undervalued assets, active management and the use of modern financial modeling tools.

M&A in private equity strategy: buyout and growth capital

Private equity M&A deals are not just a tool for buying or selling a business. They become the basis for executing buyout deals (purchase of a controlling stake), attracting growth capital (capital for growth), as well as for carve-out deals (the separation of non-core divisions). Each of these approaches requires a unique set of skills and a deep understanding of the market.

A COREDO-executed buyout case in the fintech sector in the Czech Republic showed: a structured deal with clear post-merger integration allowed increasing the portfolio company’s EBITDA by 38% in 18 months.

Carve-out deals, on the contrary, are often used to optimize a holding’s structure and free up capital for new investments.

Objectives of M&A deals for private equity: growth and synergies

The key objective is to ensure fund return growth by increasing the value of portfolio companies. This is achieved through the realization of synergies (for example, procurement optimization, consolidation of IT platforms, improving operational efficiency), as well as scaling the business through M&A.

COREDO’s practice confirms: it is post-merger integration and competent management of synergies that determine the success of a deal over a 3–5 year horizon.

Private equity strategies in M&A to increase returns

Private equity strategies in M&A to increase returns become a key tool for boosting profits and creating long-term value for the investor. Funds use structured approaches to selecting target companies and actively implement analytical risk management methods to maximize the financial return of each project. Next, let’s consider the roll-up strategy as one of the effective ways to increase returns within M&A.

Roll-up strategy: risks and opportunities

The roll-up strategy is the sequential consolidation of companies within one industry with the goal of creating a market leader and increasing EBITDA multiples. This approach allows for rapid market share growth, cost optimization, and increasing bargaining power with suppliers and customers.

The key success factor is a clear integration roadmap and risk management through phased integration.

Bolt-on acquisitions and carve-outs to scale

Bolt-on acquisitions: these are acquisitions that complement an existing platform company of the fund. This approach allows for quickly expanding the product line, strengthening positions in niche segments, and increasing business resilience. Carve-out deals, by contrast, provide the opportunity to acquire a mature business with a clear structure but without excessive corporate overhead.

A solution developed at COREDO for a client in the payment services sector in Slovakia included a bolt-on acquisition of a startup with a unique KYC technology. This allowed not only to accelerate entry into new markets, but also to significantly increase the company’s valuation at the subsequent exit stage.

Buyer-led M&A and the role of operating partners in integration

Buyer-led M&A: a strategy in which the initiative and control over the deal process are fully concentrated on the buyer’s side. In modern conditions, the success of such a strategy is impossible without involving operating partners (operating partners), who take on key tasks for managing integration after the merger.

This is especially relevant for deals in fintech and digital health, where integration speed directly affects return growth.

Return and risk assessment in M&A and private equity deals

Return and risk assessment in M&A PE deals are key aspects that determine the success and sustainability of investing in private equity. A well-structured deal allows not only increasing profitability but also minimizing risks, which is especially important in conditions of high market uncertainty. Next, we will examine the main metrics, such as ROI and EBITDA, used to evaluate the effectiveness of such deals.

Metrics, ROI and EBITDA in private equity deals

Assessment of ROI in private equity deals is based on analysis of IRR (internal rate of return), EBITDA multiples, as well as calculations of cash-on-cash return and MOIC (multiple on invested capital).

At COREDO we use a comprehensive model for assessing investment returns, considering both financial and non-financial KPIs – from integration speed to key employee retention rates.

For M&A deals in Europe and Asia, EBITDA multiples in the range of 7–12x become the standard; on the other hand, for high-tech companies this metric can exceed 15x. It is important to take into account industry benchmarks and market dynamics.

Risk management in M&A: due diligence and compliance

Effective risk management in M&A begins with thorough Due Diligence, financial, legal, operational and technological. AML and KYC standards, as well as compliance requirements in the EU, the UK, Singapore and Dubai, are becoming increasingly strict.

Regulatory changes, for example the tightening of AML in the EU rules or the introduction of new requirements for licensing financial services in Singapore, significantly affect deal structures and their closing timelines. In such circumstances it is critically important to work with consultants who possess expertise in cross-border deals.

Impact of macroeconomics and interest rates on M&A and private equity deals

In 2024–2025, rising interest rates and higher borrowing costs changed the financing structure of M&A deals. Funds now more often use private credit, mezzanine and other alternative sources to maintain target return levels.

At COREDO we recommend structuring deals flexibly, taking into account macroeconomic trends and potential market volatility.

Technology in M&A for private equity

Technology in M&A for private equity is becoming a key factor for successful deals and competitive advantage. Modern solutions – from artificial intelligence to integrated platforms – enable private equity funds to accelerate processes, reduce risks and find new growth opportunities.

Use of AI and platforms to accelerate deals

Modern technological platforms for M&A, such as virtual data rooms, tools for automating due diligence and artificial intelligence for risk assessment, can speed up the deal process by 30–40%.

At COREDO we implement AI solutions for analyzing large datasets, identifying hidden risks and building integration scenarios.

AI tools are especially in demand for assessing synergies, automating financial modeling and monitoring post-merger integration. Such solutions are becoming standard for private equity funds focused on increasing returns and reducing transaction costs.

Agile teams and managing integration after a merger

Agile approaches to managing post-merger integration allow quick adaptation to changes, minimize operational disruptions and accelerate the realization of synergies. In COREDO’s practice, agile teams take on key responsibilities for communication, change management and implementing new business processes.

This approach is particularly effective for deals in fast-growing sectors – fintech, e-commerce, healthcare.

Cross-border M&A in private equity for Europe, Asia and the CIS

Cross-border M&A in private equity for Europe, Asia and the CIS opens new opportunities for investors, but requires a deep understanding of the specifics of transactions between different regions. The combination of global strategies and local particularities creates many regulatory and structural nuances that must be taken into account to successfully carry out such deals.

Regulatory nuances of deals in different jurisdictions

Cross-border transactions require deep knowledge of local regulatory requirements, licensing procedures and compliance standards. In the EU, the United Kingdom, Singapore and Dubai there are different approaches to due diligence, deal structure and investor protection.

COREDO’s experience in supporting cross-border M&A shows: deal success largely depends on the right choice of structure (SPV, holding, trust), as well as on timely obtaining the necessary licenses.

Particular attention should be paid to changes in the regulatory environment: for example, new EU directives on AML, disclosure requirements in the UK and licensing standards for fintech companies in Singapore.

Impact of geopolitics and culture on deals and integration

geopolitical risks and cultural differences can significantly affect deal closing timelines, governance structure and the effectiveness of post-merger integration. At COREDO we take these factors into account when structuring deals in Asia and Europe, developing individual integration and communication scenarios for each jurisdiction.

Features of cross-border M&A in private equity funds for European and Asian markets include differences in corporate culture, approaches to personnel management and reporting standards. Successful integration requires not only legal expertise but also a deep understanding of local business.

Financing models for M&A during market volatility

In conditions of market volatility and rising capital costs, private equity funds increasingly use alternative financing models: private credit, mezzanine, structured deals with deferred payment and earn-out mechanisms.

COREDO solutions enable flexible structuring of deals, minimizing risks and optimizing tax nload.

Structuring deals taking into account the requirements of different jurisdictions and opportunities for tax optimization becomes a key success factor for cross-border M&A.

Exit strategies and liquidity in private equity through M&A

Exit strategies and liquidity in private equity through M&A play a key role in shaping returns for investors and determine how funds realize accumulated value. Properly chosen exits — whether an IPO, sale to a strategic investor, or a secondary buyout — provide the necessary liquidity and maximize the profitability of each investment.

Exit strategies: IPO, sale and secondary buyouts

Providing liquidity: one of the main tasks of private equity funds. The most common exit strategies include IPOs, sales to strategic investors, and secondary buyouts. Each of these options requires careful preparation and consideration of market conditions.

COREDO’s practice shows: successful exits are built on deep market analysis, preparing the company for sale (exit readiness), and developing alternative scenarios. Secondary buyouts and deals with financial investors are especially relevant in conditions of high market volatility.

Planning and managing an asset portfolio for returns

Exit planning begins long before the deal itself. At COREDO we recommend implementing a KPI system to assess deal performance, regularly revaluing the portfolio, and preparing companies for a potential IPO or sale. Assessing investment returns is based not only on financial metrics but also on analysis of operational efficiency, customer retention levels, and innovation potential.

Portfolio asset management is an ongoing process that includes optimizing structure, implementing new technologies, and developing team competencies.

Recommendations for entrepreneurs and investors

• Clearly define the deal objectives and choose an M&A strategy based on industry trends and market specifics.
• Implement modern risk management methods: comprehensive due diligence, monitoring regulatory changes, dynamic compliance.
• Use technology platforms and AI to accelerate deals, automate data analysis, and assess synergies.
• Form agile teams and engage operating partners for effective post-merger integration.
• Work with international advisers who have experience supporting cross-border deals and deep knowledge of local markets.

COREDO’s experience confirms: a systemic approach to M&A, based on data analysis, technological innovation, and human capital management, not only reduces risks but also ensures sustainable growth in private equity fund returns.

M&A in private equity: key conclusions and outlook

Increasing private equity returns through M&A is the result of comprehensive work: from choosing the right strategy to implementing innovations and managing integration. In 2025, the key trends will be digital transformation, AI development, tightening regulatory requirements, and the growing role of operating partners.

For entrepreneurs and investors focused on international markets, partnering with experts who can provide comprehensive support at all stages of a deal becomes critically important.

If your goal is not just to complete a deal but to build a sustainable and scalable business, the COREDO team is ready to become your strategic partner on this journey.

Comparison of M&A strategies: roll-up, bolt-on, carve-out

ROI and KPIs for deal evaluation

• IRR (internal rate of return)
• EBITDA multiples
• Cash-on-cash return
• MOIC (multiple on invested capital)
• Integration speed
• Key staff retention rate
• Revenue and EBITDA growth after the deal

Glossary of SEO terms

• Private equity: direct investments in private companies.
• M&A (mergers and acquisitions), mergers and acquisitions.
• Buyout – acquisition of a controlling stake.
• Roll-up strategy: consolidation of companies within an industry.
• Bolt-on acquisition: an additional acquisition to a platform company.
• Carve-out – spinning off a division into an independent business.
• Operating partner – an operating partner managing integration.
• Due diligence, comprehensive assessment of the deal target.
• EBITDA: earnings before interest, taxes, depreciation and amortization.
• Compliance: adherence to regulatory requirements.
• Exit strategy, a way to exit investments (sale, IPO, secondary buyout).

If you plan to use M&A to increase returns in private equity, start with a systematic analysis, choose a strategy that matches your goals, and engage COREDO experts for comprehensive support at every stage of the deal.

Investment trends in Japan in 2025 show growing interest in the technology sector, healthcare, and infrastructure. The startup ecosystem is developing thanks to support from private and institutional investors, and venture deals are becoming increasingly prominent in the market structure. Demographic changes — an aging population and a shrinking workforce — push companies toward digitalization and the adoption of innovations, which increases the attractiveness of technology assets for PE.

Nevertheless, the COREDO team carried out a number of projects where skillful deal structuring and deep analysis of corporate connections allowed a successful market entry, minimizing risks and ensuring ownership transparency.

Key growth drivers and investments

The fragmentation of the Japanese corporate landscape: a key driver for buyouts and carve-out deals. Many large holdings are eager to optimize their structure by divesting non-core assets. This opens opportunities for international PE funds that are ready to offer not only capital but also expertise in business transformation.

Technological innovations, the second strategic growth factor. The Japanese private equity market in 2025 is actively investing in robotics, artificial intelligence, biotechnology and fintech.

The COREDO team accompanied deals involving investors from the EU and Singapore, where a sound currency strategy and analysis of macroeconomic risks provided an optimal ROI.

Regulatory reforms and corporate governance

Tokyo Stock Exchange introduced new disclosure standards, increased requirements for corporate governance and ESG, which has significantly facilitated Due Diligence and increased market transparency.

Corporate governance in Japan PE today is not only compliance with formal procedures but also the integration of ESG factors into the fund’s strategy.

Our experience at COREDO has shown that the implementation of international standards (for example, PRI, GRESB) allows not only minimizing risks but also increasing the investment attractiveness of Japanese assets for global funds.

Thus, modern requirements for corporate governance and ESG are shaping a new deal landscape, moving toward a more detailed analysis of private equity activity in the Japanese market.

Analysis of deals in the Japanese private equity market

Buyouts and carve-out deals are the most in-demand types of transactions in the Japanese private equity market. The features of carve-out deals in Japan are associated with the need for deep analysis of corporate connections, valuation of non-core assets, and the legal structure.

Take-private deals and corporate delistings are becoming increasingly popular thanks to reforms at the Tokyo Stock Exchange and companies’ desire to optimize capital structure.

COREDO’s solutions in private credit structuring have enabled our clients to gain access to new financing instruments and reduce their cost of capital.

Deal financing and the role of the banking sector

Japanese banks play a key role in supporting leveraged buyouts and large PE deals. In recent years, they have been introducing innovative financial products: from structured loans to hybrid instruments, which increases the availability of financing for international investors.

COREDO’s practice confirms: competent interaInteraction with Japanese banks, consideration of the specifics of the local regulatory framework and integration of innovative products significantly increase deal efficiency.

Practical risks and investment strategies

risk assessment and ROI in Japanese private equity require the use of comprehensive monitoring methodologies: from analysis of macroeconomic factors to evaluation of corporate governance and ESG. COREDO’s solutions include implementing international valuation standards (DCF, comparables, scenario analysis), which allows our clients to make well-founded decisions and forecast returns with high precision.

In one recent case COREDO supported the exit of a European fund through a carve-out, where the key success factor was the integration of ESG standards and transparent communication with the regulator.

Our experience at COREDO has shown that optimizing portfolio structure, integrating innovative financial products and taking into account local trends significantly increase investment efficiency.

Cultural and legal barriers for investors

The impact of linguistic and cultural differences on deals should not be underestimated: COREDO’s successful projects were built on trust, transparent communications and respect for local traditions.

COREDO’s solutions have enabled our clients to work effectively with Japanese PE funds, minimizing risks and speeding up the deal process.

Prospects of the private equity market in Japan after 2025

The democratization of private markets and the introduction of digital platforms provide access to investments for a broader range of participants.

COREDO’s practice shows: flexibility, diversification and integration of ESG factors are becoming key conditions for successful portfolio scaling.

Key conclusions and recommendations for business

• The Japanese private equity market in 2025 offers unique opportunities for buyouts, carve-outs and infrastructure investments, especially in the technology and healthcare sectors.
• Regulatory reforms, new corporate governance and ESG standards significantly increase the market’s transparency and investment attractiveness.
• Effective interaction with Japanese banks, integration of innovative financial products and consideration of local specifics make it possible to optimize deal structure and reduce risks.
• For a successful market entry and portfolio scaling it is critical to take into account cultural and legal nuances, build long-term partnerships and implement international standards for valuation and ROI monitoring.

Market entry and scaling: practical steps

• Conduct comprehensive due diligence taking into account the keiretsu corporate structure and ESG factors.
• Choose an optimal exit strategy (IPO, carve-out, sale to a strategic investor) considering market trends and regulatory requirements.
• Integrate innovative financial products and semi-liquid funds to increase portfolio liquidity.
• Build partnerships with Japanese banks and PE funds, taking into account the specifics of the local business culture.
• Use COREDO’s experience for deal structuring, risk monitoring and ensuring process transparency.

Comparison of deals in the Japanese PE market

In recent years this approach has been actively used in the Japanese market and has led to a number of notable deals.

Successful PE deal cases in Japan

• A European fund acquired a carve-out asset from a Japanese holding, integrated ESG standards and delivered an 18% ROI increase over two years.
• A British investor executed a take-private deal with COREDO’s support, minimizing risks through in-depth analysis of the corporate structure and effective engagement with regulators.
• An Asian fund scaled its portfolio through semi-liquid instruments, using innovative financial products, which increased liquidity and lowered the cost of capital.

Glossary of SEO terms

• Keiretsu, Japanese corporative structure with cross-ownership of shares.
• Carve-out: the separation of part of a business into a separate company for sale or restructuring.
• Take-private: the transfer of a public company into private ownership through delisting.
• Semi-liquid fund, an investment fund with partial liquidity that allows flexible portfolio management.
• ESG, standards of environmental, social, and corporate responsibility.

The Japanese private equity market in 2025: a space for strategic growth, innovation, and long-term partnerships. The solutions developed at COREDO allow our clients to move forward confidently, using the best practices of international consulting, deep market knowledge, and unique experience in supporting complex transactions.

Requirements for banking regulatory exams and regulations

Overview of key regulatory acts

• In the EU, the EBA, CRD V, PSD2 directives are in force, as well as national laws regulating Licensing, stress testing and risk disclosure.
• In Asia and Africa the focus is on local standards (MAS in Singapore, SFC in Hong Kong, CBN in Nigeria), but elements of international standards Basel III, FATF and ISO/IEC 27001 are increasingly being introduced.
• In the CIS and Eastern Europe, the provisions of the Bank of Russia play a key role, in particular No. 851-P and the methodological recommendations 3-MR, as well as requirements for software certification and information security.

Bank of Russia requirements 851-P and methodological recommendations 3-MR

• The PDCA cycle (Plan-Do-Check-Act) as the basis of internal control and change management.
• Implementation of cryptographic protection and anti-fraud technologies (for example, SIM card control, security incident monitoring).
• Software certification with mandatory conformity assessment according to new standards.

International AML KYC standards in regulatory exams

• Verification of beneficiaries when registering legal entities in the EU.
• Integration of digital platforms for storing and processing KYC documents.
• Compliance with FATF, EBA and national regulators’ requirements.

Rules for preparing for banking regulatory exams

Preparation: stages and steps

1. Requirements analysis: audit of current policies, procedures, IT systems, identification of “bottlenecks”.
2. Development of a preparation plan: assigning responsible parties, creating a roadmap, agreeing on timelines.
3. Staff training: conducting trainings on compliance, risk management, AML/KYC, information security.
4. Testing and audit: conducting internal stress tests, modeling exam scenarios, independent readiness audits.

Preparation for banking regulation exams

• Use of a single macro-scenario for stress testing to assess capital and liquidity resilience.
• Implementation of digital platforms to automate data collection and report generation.
• Adaptation of methodologies to regional specifics: for example, in Europe the focus is on disclosure and ESG factors, in Asia on technological resilience and data protection.

Risk Management and Fines for Non-Compliance

• Possible violations of requirements 851-П, CRD V, PSD2.
• Errors in stress testing and reporting.
• Insufficient transaction and customer identification control (AML/KYC).
• Issues with certification and operation of banking software.

Table: Risk Management and Penalty Minimization

Preparation for banking regulatory exams for international companies

Preparing companies to operate in Europe, Asia and Africa

• Aligning internal policies with the requirements of different jurisdictions.
• Implementing unified AML/KYC standards and compliance automation.
• Integrating digital solutions for centralized risk monitoring.

Scaling exam preparation within companies

• A centralized platform for compliance and risk management.
• Automation of reporting preparation and stress testing.
• Implementation of comprehensive AML services taking into account national specifics.

Features of CIS companies’ preparation for the Bank of Russia’s new rules

• Mandatory integration of the PDCA cycle into internal control processes.
• Increased attention to certification of banking software and information security.
• Implementation of anti-fraud technologies and automated transaction monitoring.

Tools for preparing for banking exams

Compliance automation on digital platforms

• Platforms for compliance automation (KYC, AML, transaction monitoring).
• Security incident management systems and cryptographic protection.
• Tools for centralized storage and analysis of stress testing data.

Anti-fraud technologies for exam preparation

Assessing the ROI of preparation for banking regulatory exams

• Reduction in the likelihood of fines and restrictions.
• Optimization of compliance and audit costs.
• Increased transparency and manageability of business processes.

Practical recommendations for successful preparation

• Preparation for banking regulatory exams is a strategic process requiring integration of regulatory requirements into daily activities.
• Use the PDCA cycle to build a system of continuous compliance and change management.
• Implement digital platforms and compliance automation to reduce operational risks.
• Regularly train staff and conduct internal audits to identify and eliminate weaknesses before the regulator arrives.
• Integrate anti-fraud technologies and cryptographic protection systems as part of a unified risk management strategies.
• Assess the ROI of investments in preparation not only by reduced fines, but also by increased transparency, manageability, and scalability of the business.

Last year the level of financial fraud in Latin America increased by 70% compared to 2022, and the total damage to businesses exceeded $10 billion. In Brazil every third online transaction is subject to a fraud attempt, and in Mexico the number of CNP fraud (card-not-present fraud) cases more than doubled over three years. Why are even large fintech companies and banks in the region vulnerable, and how can businesses protect themselves amid rapid digitalization, a shortage of specialists and constantly changing regulatory requirements?

COREDO’s practice shows: effective combating of fraud requires not universal recipes but a strategic approach that takes into account regional specifics, technologies, legislation and real business risks.

In this article I will analyze in detail the key aspects of fraud management in Latin America, from local threats and regulatory changes to AI implementation and ROI assessment. This is not a theoretical overview but a practical guide based on the experience of the COREDO team, which has implemented dozens of projects for company registration, obtaining financial licenses, AML consulting and building comprehensive fraud prevention systems for businesses in Brazil, Mexico, Peru, Chile and other countries in the region. After reading the article, you will gain strategic ideas and tools for effective management of fraud risks in LatAm, and will be able to make decisions that genuinely protect your business.

Fraud management in Latin America

The rise in attacks and new regulatory requirements make it crucial to understand the key *risks* and *types of fraud* companies in the region face.

Risks and types of fraud

Financial fraud in Latin America is highly dynamic and diverse in its schemes. The most common are:

• CNP fraud: card-not-present fraud, especially relevant for e-commerce and fintech. In Brazil and Mexico the share of CNP fraud in the total volume of payment fraud exceeds 60%.
• Fake invoices – forged invoices and payment details used to steal funds from companies and their clients.
• Social engineering and phishing: attacks on employees and users via fake websites, messaging apps and calls, often exploiting local linguistic and cultural characteristics.
• E-commerce fraud – chargebacks for false reasons, credential theft, recipient substitution.

The COREDO team has repeatedly encountered situations where standard fraud detection tools used in Europe or Asia proved ineffective in LatAm due to the specifics of local scenarios – for example, the mass use of WhatsApp for payments or a high share of unbanked segments without bank accounts.

Country-specific features

• Brazil, the largest market, where Pix scams, deepfake fraud, synthetic identities and schemes with fake QR codes are widespread.
• Mexico – high level of CNP fraud, active use of social networks for attacks, weak KYC infrastructure in some banks.
• Peru – growth in fraud via mobile apps, lack of biometric verification, low user awareness of risks.

Implementation of COREDO solutions for fintech companies in these countries has shown: risk management of fraud in LatAm requires continuous adaptation and consideration of local specifics, from language to payment-system peculiarities.

Impact of the digital economy and fintech

The rapid growth of digital services and the fintech ecosystem in Latin America creates new opportunities for business but also increases fraud risks. Inclusion of unserved segments, mass digital onboarding and the shift to real-time payments (Pix, SPEI) require new approaches to fraud management, integration of AI and machine learning, as well as continuous transaction monitoring.

Legislation on combating fraud in Latin America

Legislation to combat fraud in Latin America is evolving to meet unique challenges: the region faces both traditional economic crimes and new cyber threats. Processes differ between countries, but everywhere fighting fraud requires comprehensive regulations and ongoing adaptation to modern risks.

Key regulatory acts

• LGPD (Brazil) – a data protection law regulating the processing of personal data and requiring implementation of KYC, AML and 2FA for financial services.
• Regulations in Peru and Colombia: tightening AML compliance requirements, mandatory use of digital identification and biometrics for banks and fintech companies.
• Mexico: introduction of new standards to combat fraud in payment systems, mandatory company registration with disclosure of beneficiaries and sources of funds.

The solution developed at COREDO for company registration and obtaining licenses in Brazil and Mexico includes a full compliance audit of LGPD, AML and KYC, which allows clients not only to complete registration but also to minimize the risk of fines and account blocks.

New requirements for transaction security and 2FA

In 2024–2025 most regulators in Latin America tightened requirements for transaction security:

• Mandatory implementation of multi-factor authentication (2FA) for all online operations.
• Biometric verification, mandatory for banking applications and digital onboarding.
• Real-time transaction monitoring: a requirement for fintech companies and payment systems.

COREDO’s experience confirms: successful registration and Licensing of companies in the region are impossible without the integration of modern identification tools and compliance with new AML standards.

Regulators and cooperation with business

Effective fight against fraud is impossible without close interaction between businesses, regulators and law enforcement. In Brazil, Mexico and Peru working groups have been created to exchange information about new fraud schemes, conduct joint investigations and implement unified fraud prevention standards.

The COREDO team regularly participates in such collaborations, helping clients not only meet requirements but also gain access to the industry’s best practices.

Impact of new regulations on fraud prevention

New laws and regulations require businesses to be flexible and ready for constant process updates. The implementation of AI analyzers, adaptive risk scoring, and integration of cloud platforms — all this becomes not just a competitive advantage but a prerequisite for operating in Latin America.

Fraud detection and prevention in Latin America

Fraud detection and prevention in Latin America are becoming increasingly relevant due to the growth of digital financial services and the evolution of fraudulent schemes. Banks, fintech companies and online services are forced to implement modern protection methods to ensure user trust and comply with strict cybersecurity requirements. Below we consider the key technologies and approaches that shape the modern system for combating fraud in the region.

Modern technologies for fraud protection

• AI for fraud detection – machine learning and anomaly detection make it possible to identify complex fraud schemes, including deepfake fraud, synthetic identities and social engineering attacks.
• Adaptive risk scoring: dynamic risk assessment for each client and transaction, integrated with cloud platforms.
• Integration of SaaS solutions – cloud monitoring systems that provide real-time analysis and scalability for rapidly growing businesses.

The COREDO team implemented such solutions for fintech companies in Brazil and Mexico, enabling clients to reduce fraud loss per client by 45% in the first year.

Biometrics, digital identification and KYC with 2FA

• Biometric verification: fingerprints, facial recognition, voice identification.
• digital identification and KYC: automated identity verification procedures, integration with government registries.
• 2FA: SMS codes, push notifications, hardware tokens.

COREDO’s solutions in AML and fraud prevention include comprehensive integration of biometrics and digital identification, which significantly reduces the risks of fake registrations and fraud during digital onboarding.

COREDO’s holistic approach not only increases the security of digital onboarding but also provides reliable protection against fraud at all stages of identification. Next we will look at the capabilities of cloud platforms and the implementation of real-time monitoring.

Cloud platforms and real-time monitoring

• Cloud solutions for fraud monitoring: allow businesses to quickly scale systems, integrate new data sources and provide real-time transaction monitoring.
• Integration with payment networks (Visa, FICO, Experian): access to global databases and analytics tools.

COREDO case: for a large fintech in Peru, integration of a cloud platform with local banks and international payment networks was implemented, which reduced dispute rates by 30% and increased ROI from investments in fraud prevention.

Risks of technology implementation

• Lack of cybersecurity specialists: one of the region’s key problems.
• Scaling complexity – rapidly growing companies face the need for constant system updates and staff training.
• Vulnerabilities of digital onboarding: fake documents, synthetic identities, attacks via mobile applications.

The COREDO team helps clients not only implement technologies but also build training and adaptation processes, reducing risks and ensuring compliance with standards.

Managing fraud risk for businesses in Latin America

Managing fraud risk for businesses in Latin America requires a special approach due to the rapid pace of digitization and the high activity of cybercriminals in the region. Without effective strategies and the implementation of best fraud management practices, companies will find it difficult to protect their assets and maintain customer trust amid unique threats and local market specifics.

Best practices for fraud management

• Multi-layered protection: combination of AI, biometrics, 2FA, KYC and manual auditing.
• Regular process audits – review fraud prevention strategies at least once a quarter.
• Information sharing with industry associations: participation in working groups, access to analytics and fraud detection benchmarks.

COREDO case: for an e-commerce platform in Chile, an automated monitoring system integrated with local and international databases was implemented, which reduced fraud loss per client by 50% over one year.

Metrics and KPIs for evaluating effectiveness

COREDO’s practice has shown: regular monitoring of these metrics allows not only identifying weaknesses but also reasonably justifying investments in fraud management.

Whatto evaluate the ROI of scalable solutions

• Scalability is a key criterion for fast-growing fintech companies and e-commerce.
• Integration of cloud platforms allows rapid expansion of functionality and onboarding of new markets.
• ROI assessment — cost and savings analysis, payback period calculation, comparison with industry benchmarks.

The implementation of scalable COREDO solutions for banks and fintech in LatAm has shown: competent integration of AI and cloud platforms can increase ROI by 30–50% by reducing fraud losses and operational expenses.

Balancing security and user convenience

• User experience: minimizing friction during verification, intuitive interfaces, transparent processes.
• Digital onboarding — automation, fast identification, protection against fake documents.
• Balance of security and convenience: a key factor in customer retention and business growth.

The COREDO team helps clients build processes where security does not hinder convenience, but instead becomes a competitive advantage.

Fighting fraud in e-commerce

• Integration of fraud detection with payment gateways — automatic transaction verification, behavior analysis.
• Use of AI to detect anomalies: preventing CNP fraud, fake invoices, returns for fraudulent reasons.
• Cooperation with payment networks, data sharing, joint investigations.

COREDO practice: for a large online retailer in Brazil, an AI-analytics system was implemented that reduced CNP fraud by 40% in 6 months.

Impact of cryptocurrencies on fraud management in Latin America

The impact of cryptocurrencies on fraud management in Latin America is becoming increasingly significant, as the rapid adoption of digital assets creates new opportunities not only for economic growth but also for abuse and fraud. In conditions of weak regulation and heterogeneous control standards, the field of fraud management faces fundamentally new challenges that are important to consider when analyzing cryptocurrency risks.

Cryptocurrency risks

• Cryptocurrency money laundering, using digital assets to conceal sources of funds.
• Fraud in cryptocurrency transactions: fake ICOs, phishing platforms, wallet attacks.
• Growth of A2A fraud — fraud in account-to-account transfers, especially via Pix and similar systems.

COREDO’s AML and fraud prevention solutions for cryptocurrency companies in LatAm include automated transaction monitoring, integration with global databases, and staff training on new fraud schemes.

Cryptocurrency money laundering and protection methods

• Transaction anonymity: complicates identification of fund sources.
• Need to integrate KYC and AML, automate identity verification, monitor transaction chains.
• Cooperation with regulators, information sharing, joint investigations.

The COREDO team implemented projects to register cryptocurrency companies in Brazil and Mexico, taking into account new AML requirements and integration of digital identification.

Impact of new payment methods

• Pix (Brazil), SPEI (Mexico): increased speed and transaction volume, new fraud schemes.
• A2A fraud, attacks on direct transfers, alteration of payment details, phishing.

COREDO recommendations: implementation of real-time monitoring, integration of AI analyzers, training of staff and users.

Minimizing cryptocurrency risks

• Comprehensive AML and KYC, automation, integration with global registries.
• Staff training: regular training sessions, exchange of experience with industry associations.
• Implementation of AI analyzers: detecting anomalies, preventing fraudulent schemes.

Challenges and prospects of fraud management in Latin America

Fraud management in Latin America faces unique challenges: the rapid digitalization of financial services leads to an increase in complex fraud schemes, and regional specifics and varying maturity of regulatory approaches make unified protection standards difficult. These challenges shape the current prospects for the development of fraud management systems, from the adoption of new technologies to increased demand for qualified personnel and interbank cooperation.

Shortage of qualified specialists

impact on business, increased training costs, difficulties in implementing new technologies, decreased effectiveness of fraud prevention.

The COREDO team helps clients build training and knowledge-sharing processes, integrating best practices and international standards.

Need to update systems

• New threats — deepfake fraud, synthetic identities, ransomware.
• adaptation to changes: regular system updates, integration of new data sources, cooperation with industry associations.

COREDO’s practice confirms: only continuous development and adaptation allow businesses to remain protected.

Technology development and collaboration

• Growth of investments in AI and cloud solutions; the fraud prevention market in Latin America is forecasted to double by 2027.
• Collaboration between businesses and regulators, joint projects, information sharing, implementation of unified standards.

The COREDO team participates in international initiatives, helping clients implement best practices and technologies.

Importance of information exchange and collaboration

• Data exchange — creation of common registries, sharing analytics, joint investigations.
• Cooperation with industry associations — access to best practices, training, experience sharing.

The implementation of COREDO solutions for banks and fintechs in the region has shown: information exchange is a key factor in improving the effectiveness of combating fraud.

Conclusions and recommendations for entrepreneurs and executives

• Fraud management in Latin America is not a set of tools, but strategica process requiring the integration of technologies, compliance with regulatory requirements and continuous learning.

Practical steps:

• Implement AI and machine learning to analyze transactions and detect anomalies.
• Integrate biometrics, digital identification, and 2FA to enhance security.
• Use cloud platforms for scalability and real-time monitoring.
• Regularly audit processes and train staff.
• Collaborate with regulators and industry associations, and participate in information sharing.
• Assess the effectiveness of fraud prevention using key metrics (fraud loss per client, dispute rates, ROI).
• Ensure a balance between security and user convenience, minimizing friction during digital onboarding.

When choosing technologies and partners, give preference to solutions that integrate AI, cloud platforms, and comply with international AML and KYC standards. COREDO’s experience shows: such solutions provide not only regulatory compliance but also real protection for the business.

Compliance with legislation and risk minimization – regular audits, integration of new requirements, and training of staff and users.

A balance between security and convenience is the key to retaining customers and growing the business.

This approach allows our clients not only to protect their business, but also to create new opportunities for growth in the region’s digital economy.

What is asset tokenization and its role in business

In practice this means that real estate, commodities, debt instruments, private loans or even intellectual property can be represented as digital tokens reflecting ownership shares, entitlement to income or other economic interests.

Legal support for asset tokenization

One of the key issues is the regulation of tokens as securities. In the EU and the United Kingdom, tokens that grant the right to income or a share in an asset often fall under the MiFID II directives and the Prospectus Regulation, which requires obtaining licenses and providing disclosures to investors.

In COREDO’s practice special attention is paid to the choice of legal structure — most often an SPV (Special Purpose Vehicle) is used, registered in a jurisdiction with transparent regulation of digital assets. For example, for tokenizing infrastructure projects in Estonia we formed an SPV, which allowed optimal management of investor rights and reduced tax risks.

Multi-jurisdictional company registration for tokenization: another challenge. In Europe, Asia and Africa the requirements for constitutional documents, KYC/AML, disclosure of beneficiaries and licensing differ dramatically. COREDO’s experience shows: successful company registration for asset tokenization is possible only with deep localization of legal and compliance procedures. For example, when launching tokenization of financial instruments in Singapore we integrated local MAS (Monetary Authority of Singapore) requirements and international FATF standards, which ensured rapid licensing and product launch without delays.

AML/KYC and compliance in tokenization: meeting requirements

Violation of these requirements leads not only to fines but also to the blocking of operations and loss of market trust. COREDO’s practice confirms: integrating tokenization with AML policies must be implemented at the product architecture level, not as an “add-on” to existing processes.

risk management of compliance: a separate task. In addition to standard client due diligence procedures (CDD, EDD), it is necessary to consider the risks of secondary trading, cross-jurisdictional token movement and interaction with platforms that are not licensed in the EU or the UK. COREDO’s experience shows: to minimize compliance risks and legal barriers in international asset tokenization, it is important to build identification, monitoring and reporting processes that take into account the specifics of each jurisdiction and asset type.

Technologies and platforms for asset tokenization

Today the market is dominated by blockchain platforms for tokenization such as Polymath, Securitize, Atomyze, which support token issuance, integration with AML/KYC, management automation and product scalability.

For example, a solution implemented by COREDO for tokenizing private loans on the Securitize platform provided programmable interest distribution and automatic reporting for investors from the EU and Asia.

Blockchain technologies provide not only transparency and protection against fraud, but also the scalability of tokenized products. For projects with global ambitions, it is critically important to choose platforms that support multi-jurisdictional operations, integration with banking systems and the ability to issue tokens that meet the requirements of different regulators.

Moving on to the specifics of regional initiatives, it is important to consider the features of tokenization in various jurisdictions in Europe, Asia and Africa.

Regional tokenization in Europe, Asia and Africa

For example, the MiCA directive (Markets in Crypto-Assets) in the EU establishes transparent rules for the issuance and circulation of tokens, which facilitates attracting institutional investment and scaling products.

In Asia and Africa, the legal aspects of tokenization require special attention to local specifics. In Singapore, MAS actively supports innovation, but imposes strict AML requirements/KYC and disclosure. In Dubai, a separate regulator (VARA) operates, which allows the launch of tokenization of infrastructure projects with minimal barriers. COREDO’s experience in supporting real estate tokenization in Dubai showed: success depends on the correct choice of jurisdiction for the SPV and full compliance with local standards.

Regional specifics also affect investment strategies. For example, in Africa tokenization of commodities allows attracting capital to infrastructure projects, and in Asia: creating new financial products based on tokenized assets taking into account the specifics of local markets.

Use cases and scaling of tokenized assets

Tokenization of real estate and commodities are among the most in-demand practical scenarios. In one of COREDO’s projects for a European fund, we implemented tokenization of a commercial real estate portfolio using an SPV in Estonia and issuing tokens on the Securitize platform. This not only increased asset liquidity but also expanded the pool of investors by fractionalizing shares and entering new markets.

Scaling tokenized products requires not only technological but also legal flexibility. Using platforms for token issuance that support multi-jurisdictional operations and integration with banking systems allows you to quickly launch new products and enter markets in Europe, Asia and Africa.

Assessing the ROI from asset tokenization is a key question for any business. In practice, metrics include the speed of capital attraction, reduction of transaction costs, growth of liquidity and transparency. In one of COREDO’s cases for tokenizing inventory in the UK, ROI was over 18% in the first year due to accelerated turnover and reduced audit costs.

These effects become especially noticeable when considering changes in company management and investment strategies.

Impact of tokenization on governance and investments

Tokenization changes not only the capital structure but also approaches to corporate governance. Digital ownership shares and programmable assets enable automation of voting, profit distribution and control over the protection of investors’ rights. In COREDO projects for tokenizing intellectual property, we implemented smart contracts that ensure transparent royalty distribution and protection of authors’ rights.

Raising capital through tokenization is becoming an increasingly popular tool for financing infrastructure projects and innovations. Tokenization of financial instruments (for example, treasury bonds or private loans) allows companies to diversify funding sources and reduce the cost of capital.

The long-term prospects for the RWA market are linked to sustainable financing, integration of tokenization into the digital economy and the emergence of new investment strategies based on global liquidity and transparency.

Conclusions and recommendations for entrepreneurs and executives

• Legal support for tokenization should start with choosing the optimal SPV structure, taking into account multi-jurisdictional registration requirements and a deep analysis of regulatory standards in each country.
• AML services for tokenization and integration with KYC/AML policies should be implemented at the product architecture level, using automated monitoring and auditing tools.
• Company registration for asset tokenization requires considerationand local specifics, disclosure of beneficiaries and obtaining the necessary licenses, from crypto to payment and investment.
• Scaling tokenized assets is possible only when choosing technological platforms that support multi-jurisdictional operations, integration with banking systems and compliance with international standards.
• The ROI of asset tokenization is measured by the speed of capital attraction, cost reduction, growth in liquidity and transparency. It is important to use comprehensive metrics and regularly conduct performance audits.

According to a report by the European Commission, in 2023 deep tech startups in the EU accounted for more than 25% of all venture investments in Europe: that is over €17 billion, despite global market turbulence and intensifying competition between regions. An even more impressive fact: on average it takes 7 to 12 years to commercialize a single deep-tech innovation in Europe, and the level of technological risk exceeds 60% at early stages. So why, despite such high barriers and a long horizon, do investments in deep tech in Europe continue to grow, and why are international funds and corporations competing for access to the best European deep technologies?

Today European deep tech is not just a trend or hype, but a strategic choice that determines the region’s technological sovereignty, its ability to compete with the US and Asia and to create long-term added value for the economy. Nevertheless, the path of an investor or entrepreneur in this sector is strewn with difficulties: from finding financing for deep tech projects and navigating the Horizon Europe programs to the legal nuances of company registration and intellectual property protection.

In this article I, Nikita Veremeev, founder of COREDO, will share practical recommendations and strategies that the COREDO team has implemented for clients in the EU, the Czech Republic, Slovakia, Cyprus, Estonia, the United Kingdom, Singapore and Dubai. You will learn how to effectively attract investment into deep tech projects in Europe, manage risks, scale deep tech startups and build a sustainable business at the intersection of science and innovation. If you are looking not for theory but for proven practices and deep understanding: I recommend reading the article to the end.

Investments in deep tech in Europe: features and trends

Deep tech is not just startups, but companies based on fundamental scientific discoveries, breakthrough technologies and long R&D cycles. In Europe, deep tech technologies and businesses have traditionally been associated with quantum computing, biotechnology, artificial intelligence, blockchain and new materials. The specifics of investing in deep tech here are determined not only by the level of innovation, but also by a strategic course toward technological sovereignty.

Unlike the US, where private venture funds and fast exit strategies dominate, the European approach to deep tech investment is more institutional and oriented toward long-term support for fundamental scientific discoveries. For example, the European Innovation Council (EIC) and the European Investment Bank actively invest in deep-tech innovations, reducing risks for private investors and stimulating the commercialization of scientific developments.

COREDO’s experience confirms: for EU deep tech startups, not only the amount of financing matters, but also access to the ecosystem — accelerators, incubators, corporate partners and research centers. That is why scaling deep tech startups requires integration into EU innovation ecosystems and building strategic alliances.

European Innovation Council: role in financing deep tech

In recent years the European Innovation Council for deep tech has become a key driver of the sector’s development. The EIC Accelerator and EIC Fund programs provide grants and equity financing at early and growth stages, which is especially important for startups with long R&D cycles. A solution developed by COREDO for one client in the Czech Republic enabled the attraction of funding for deep tech projects at the Pre-Seed stage through participation in the EIC Accelerator, which provided not only capital but also access to mentoring support and international partners.

Equally significant is the role of the European Investment Bank in deep tech: the bank actively invests in infrastructure projects, venture funds and direct financing of deep tech startups, reducing the shortage of late-stage checks and stimulating long-term development.

Funding and scaling deep tech startups in the EU

Funding deep tech projects in Europe goes through several key stages:

• Pre-Seed: the idea and prototype stage, where primary funding comes from the EIC Accelerator, accelerators and business angels. Technological risk is particularly high here, and support from innovation programs is important.
• Seed: the product development stage, when the startup proves the viability of the technology. Venture funding for deep tech, government grants and corporate funds become the main sources of capital.
• Growth (Late stage): scaling and market entry. Here there is a shortage of late-stage checks, as European funds are often less prepared for large investments than American or Asian players.

The COREDO team has repeatedly supported clients at all stages, from preparing documents for participation in Horizon Europe to attracting private investors and venture funds. Special attention is paid to building a transparent capital structure and legal clarity of transactions, which is critical for EU deep tech startups seeking international financing.

Scaling deep tech startups requires not only investment, but integration into innovation ecosystems: cooperation with universities, corporations, accelerators and research centers. COREDO’s experience has shown that startups that build strategic partnerships at early stages reach the export stage and global competitiveness 2.5 times faster.

Thus, the successful development of deep tech projects directly depends on competent managmanagement of risks and a strategic approach to investments.

Risk management and investments in deep tech

Investing in deep technologies involves unique risks:

• Technological risks: uncertainty of scientific results, long development cycles, high likelihood of pivot.
• Market risks: difficulty entering the market, the need to scale innovations, competition with the US and Asia.
• Regulatory risks: complex requirements for licensing, IP protection, compliance and AML.

COREDO’s practice confirms: effective risk management in deep tech investments is built on portfolio diversification, legal Due Diligence and integration of tools for assessing ROI of investments in deep technologies. We use metrics that take into account not only financial returns but also scientific novelty, patent potential, time-to-market and degree of industrial integration.

Legal support for deep tech companies in Europe

One of the key challenges for deep tech startups is the correct registration of a legal entity and compliance with all regulatory requirements. Features of legal entity registration for deep tech startups in the EU include:

• Choosing the optimal jurisdiction (Czech Republic, Estonia, Cyprus, United Kingdom, Singapore, Dubai) taking into account tax burden, access to support programs and licensing requirements.
• Drafting constitutional documents with an emphasis on protecting intellectual property in deep tech and allocating IP rights among founders, investors and employees.
• obtaining financial licenses (for crypto and fintech projects, forex, payment services), which requires deep understanding of European and international standards.

The solution developed by COREDO for one of the biotech startups in Estonia enabled not only a rapid registration, but also obtaining the necessary licenses to work with medical data and AI, which is critical for entering the EU market.

COREDO’s experience has shown that regular audits and the implementation of automated AML systems reduce regulatory risks and increase investor confidence.

Thus, legally sound registration, timely obtaining of licenses and implementation of compliance procedures become the foundation for sustainable development of deep tech projects and readiness for international expansion.

International registration of startups from the EU

Startups from countries with low innovation potential (widening countries of the EU) face additional barriers: access to financing, lack of accelerators and registration difficulties. Horizon Europe programs for deep tech provide grants and mentoring support, allowing such companies to integrate into European innovation ecosystems.

The COREDO team implemented cases of registering and supporting companies from widening countries, helping them gain access to deep tech support programs in the EU and enter international markets.

Deep tech: trends and prospects in Europe

Today, innovations in Europe are defined by several key directions:

• Quantum technologies: Europe holds leading positions by number of startups and patents, and investments in quantum technologies and AI in Europe grow annually by 20–30%.
• artificial intelligence and blockchain: integration of these technologies into deep tech projects makes it possible to create new business models, increase efficiency and protect intellectual property.
• Biotechnologies: European deep technologies in biomedicine and pharma are becoming a driver of exports and global competitiveness.

The influence of the US and Asia on the European deep tech market is felt primarily in the competition for talent and capital. At the same time, the EU’s strategic course towards technological sovereignty and scaling of innovation ecosystems allows it to maintain leading positions in a number of segments.

COREDO’s practice has shown: startups focused on industrial implementation and cooperation with corporations achieve sustainable growth faster and attract long-term investments.

Exit and commercialization strategies for deep tech innovations

Scaling deep tech startups and entering international markets require a comprehensive approach:

• Best practices for scaling deep tech projects in the EU include forming partnerships with universities, participating in accelerators and incubators, and using Horizon Europe programs.
• Commercialization of scientific developments is impossible without effective protection of intellectual property in deep tech: patenting, Licensing, and formalizing rights to research results.
• Long-term investments and exit strategies for deep tech projects are built on phased capital raising, strategic alliances with corporations and funds, as well as preparation for IPO or M&A.

COREDO’s experience has shown that early elaboration of an exit strategy and implementation of tools for assessing the performance of deep techinnovations allow reducing risks and increasing a startup’s attractiveness to investors.

Understanding these principles forms the basis for successful fundraising and building a sustainable deep tech business in Europe.

Investments and business in deep tech Europe: recommendations

1. How to attract venture investments and government support
   Participate in EIC Accelerator and Horizon Europe competitions, seek partnerships with corporate funds and international accelerators. Solutions implemented by COREDO have shown that preparing a quality business plan and a transparent IP structure are critical success factors.
2. Risk management and building a sustainable business
   Implement risk management in deep tech investments: legal due diligence, portfolio diversification, regular audits of compliance and AML procedures.
3. Key performance metrics and ROI for deep tech investments
   Evaluate not only financial returns, but also scientific novelty, patent potential, time-to-market, and degree of industrial integration.
4. Choosing reliable partners and legal support
   Building a deep tech business is impossible without professional support: company registration, licensing, IP protection, compliance and AML. COREDO’s experience confirms: comprehensive support at all stages is the key to long-term success.

Investments in European deep tech: key findings and prospects

European deep tech is a market with unique opportunities and high barriers, where success is determined not only by innovation, but also by a strategic approach to financing, legal support, and risk management. COREDO’s practice shows: integration into innovation ecosystems, participation in support programs, intellectual property protection and transparency of business processes are key factors for investors and entrepreneurs.

In the coming years, the long-term prospects for deep tech in Europe will be determined by the development of quantum technologies, AI, biotechnology and blockchain, as well as companies’ ability to scale effectively and expand into international markets. If you aim not just to invest but to create the future: European deep tech opens unique opportunities for growth and global leadership.

Funding stages of deep tech startups and sources of investment

Risk officer and risk management in the company

The risk officer plays a key role in ensuring effective risk management in a company, helping the business be resilient to external and internal threats and achieve strategic objectives. In today’s conditions of constant market changes, a competent approach to risk management and the professionalism of the risk officer become one of the factors of competitiveness and stability of the organization.

Who a risk officer is and their role in business

The risk officer is not just a controller but the architect of the company’s resilience. Their area of responsibility long ago went beyond formal compliance with standards: today the risk officer shapes the company’s risk management strategy, integrating compliance, internal audit and corporate security into a single system. In practice COREDO confirms: in international companies the role of the risk officer is especially significant when entering new markets, registering legal entities in the EU, the UK, Singapore or Dubai and obtaining licenses for financial and crypto operations.

In international business, the risk officer becomes a link between top management, the company’s legal support and external auditors. Their task is not only to identify and minimize operational, legal and cyber risks, but also to ensure process transparency for shareholders and regulators.

Risk management and enterprise risk management (ERM)

Effective risk management is built on the principles of enterprise risk management (ERM), where standards such as ISO 31000 and best GRC (Governance, Risk, Compliance) practices play a key role. According to COREDO’s experience, implementing ERM allows integrating risk assessment and monitoring into daily business processes, providing not only compliance with regulatory requirements but also increased operational efficiency.

In European and Asian companies, COREDO’s practice has shown that a systematic approach to risk management reduces the likelihood of legal disputes, account freezes and fines for violating AML/KYC procedures. Regular risk assessment, internal audit and process automation are basic elements of effective risk management that allow scaling the business without losing control.

Thus, modern risk management is unthinkable without the close integration of AML and compliance tools, which create a new set of tasks for the risk officer.

Impact of AML and compliance on the risk officer’s work

AML services for companies today are an integral part of the risk officer’s work, especially in the financial sector and when registering legal entities in the EU and Asia. Anti-money laundering legislation (AML) in Asia and Europe requires not only the implementation of formal procedures but also continuous transaction monitoring, staff training and interaction with regulators.

The solution developed at COREDO for clients entering the Singapore or Estonia markets includes comprehensive integration of AML/KYC procedures into business processes, which helps minimize the risk of account freezes and speeds up obtaining licenses. Implementing compliance control becomes a competitive advantage, allowing companies not only to meet requirements but also to build trust with international partners.

Key habits of effective risk officers

The key habits of effective risk officers form the foundation of a reliable risk management system in a company. Implementing these habits allows timely detection of threats and minimizing possible consequences, turning risk management into a proactive and systematic process.

Proactive identification and assessment of risks in work

An effective risk officer acts ahead of time: they do not wait for an incident but build a system of proactive risk identification and assessment. In COREDO’s practice this is implemented through regular risk assessment sessions, the introduction of early warning systems and the use of digital tools to monitor operational and cyber risks.

For example, when registering legal entities in the EU, the COREDO team implements risk assessment procedures at the Due Diligence stage, which allows identifying potential threats even before operations begin. This approach reduces the likelihood of legal conflicts and financial losses, especially when working in jurisdictions with increased AML control requirements.

Interaction with legal support and compliance

One of the key skills of a risk officer is effective communication with the company’s legal support and the compliance department. In practice, COREDO has implemented projects where the risk officer acted as a coordinator between external lawyers, internal auditors and top management, ensuring consistency of actions when registering companies in the United Kingdom, Slovakia and Dubai.

Effective collaboration not only allows for fast responses to changes in regulatory requirements, but also minimizes legal risks associated with entering new markets and obtaining financial licenses. It is important that the risk officer possesses up-to-date knowledge in international law, compliance standards and the specifics of AML control in different jurisdictions.

Professional training and skill development

The risk management market changes faster than internal regulations can be updated. Best practices in risk management for executives include regular training and the development of risk officers’ competencies — from studying new ISO 31000 standards to obtaining certifications in AML/KYC and digital security.

At COREDO, risk officer training is built on the principles of continuous development: participation in international conferences, exchange of experience with colleagues from Europe and Asia, and the implementation of new risk assessment and monitoring methodologies. This approach not only helps meet regulator requirements but also fosters a risk-aware culture within the company.

In current conditions, the development of risk competencies must go hand in hand with the adoption of innovative digital tools that open up new opportunities for automating risk management.

Automation of risk management with digital technologies

The impact of digital technologies on risk management cannot be overstated. automation of processes in risk management, the implementation of GRC systems and the use of analytics platforms for big data analysis allow the risk officer to focus on strategic tasks rather than routine checks.

COREDO’s practice confirms: the adoption of digital tools for transaction monitoring, cyber threat analysis and compliance automation reduces operational costs and increases the accuracy of risk assessment. This is especially relevant for companies operating in multiple jurisdictions and facing varying AML control requirements.

Risk management in Europe, Asia and Africa: practical tips

Risk management in Europe, Asia and Africa requires not only a standardized approach but also consideration of regional specifics that affect the effectiveness of measures and management tools. In current conditions, issues of AML control, responses to natural disasters and interaction with regulators gain particular importance, requiring comprehensive and practical solutions for business.

Risk management and AML control in Europe

Business risks in Europe are largely determined by the complexity of the regulatory environment and the diversity of requirements for AML/KYC procedures. Registration of legal entities in the EU requires a deep understanding of national and pan-European standards, regular interaction with regulators and the implementation of internal control systems.

In one of COREDO’s cases for a client opening a payment company in Estonia, a comprehensive approach was implemented: integration of AML services for companies, automation of transaction monitoring and staff training in compliance standards. This approach made it possible not only to obtain a license but also to build long-term relationships with banks and auditors.

Anti-money laundering legislation and compliance in Asia

Anti-money laundering legislation (AML) in Asia is characterized by a high pace of change and an emphasis on digital client identification procedures. Successful registration and licensing of legal entities in Singapore or Hong Kong requires not only the implementation of AML/KYC procedures but also the constant updating of internal policies in accordance with local regulators’ requirements.

The COREDO team supported the implementation of AML programs in CIS companies entering Southeast Asian markets. Special attention was paid to the specifics of AML control in different jurisdictions, the integration of digital platforms for transaction monitoring and training employees to work with new standards.

Legal risks and risk management in Africa

African markets attract international business with high growth potential but require a special approach to managing legal risks and scaling risk management. Strategies to minimize legal risks in Africa include deep due diligence of partners, adapting compliance processes to local specifics and implementing early warning systems.

COREDO’s experience has shown: for transnational companies it is critical to scale risk management processes using centralized GRC systems and digital tools for risk analysis. This approach ensures transparency and controllability even when operating in regions with high volatility of political and economic factors.

Risk officer effectiveness metrics

Risk officer effectiveness metrics not only make it possible to measure the results of risk management work, but also provide transparency of processes for company leadership. It is through such indicators that it becomes possible to objectively assess how timely and effectively risk reduction strategies are being implemented, and whether the company aligns with its stated business goals and acceptable risk levels.

Thus, the use of effective metrics creates the basis for moving on to consider key indicators in the field of risk management.

KPI and ROI in risk management – main indicators

The effectiveness of a risk officer cannot be assessed without clear KPIs and ROI metrics. In practice, COREDO uses the following indicators:

• Share of risks identified and eliminated before an incident
• Response time to incidents and regulatory requests
• Number of successfully completed checks and audits
• ROI from implementing AML programs (reduction of fines, faster licensing, increased partner trust)
• Level of automation of risk management processes

The table presents the main metrics for assessing the effectiveness of risk management

to the officer:

Implementing GRC systems and internal audit

Implementing GRC systems (Governance, Risk, Compliance) allows integrating risk management, compliance, and internal audit into a single digital platform. This approach ensures process transparency, automated reporting, and effective internal control.

COREDO’s practice has shown: companies using modern GRC systems undergo regulatory inspections faster, minimize human error and increase ROI from risk management. Internal audit becomes not a formality but a tool for strategic development.

Automation tools and digital technologies to increase efficiency

A modern risk officer uses digital tools for big data analysis, transaction monitoring and compliance automation. Among the most effective solutions are AI-based systems for anomaly detection, platforms for automated KYC, and tools for cyber risk assessment.

Implementing such solutions at COREDO allowed clients to reduce operational costs, speed up the company registration processes in the EU and Asia, and increase transparency for regulators and partners.

How to improve the effectiveness of a risk officer?

Improving a risk officer’s effectiveness is only possible with a systemic approach to risk management and the formation of an appropriate corporate culture. The degree of protection against unforeseen losses and success in achieving strategic goals depends on how well the processes for risk identification, analysis, and communication are arranged.

Risk culture development and risk management in the company

Building a risk culture is a key factor for long-term resilience. An effective risk officer does not limit themselves to implementing procedures but builds a risk management strategy, integrating it into the corporate culture and the company’s strategic planning.

The COREDO team has implemented projects where introducing a risk culture reduced the number of incidents and increased employee engagement in compliance processes. This approach not only minimizes legal and operational risks but also enhances business competitiveness.

Interaction with regulators and auditors

Open and professional interaction with regulators and auditors is the key to successful inspections and obtaining licenses. A risk officer should not only know regulatory requirements but also be able to argue the company’s position and build trusting relationships with external auditors and legal partners.

COREDO’s practice confirms: process transparency, timely updates of internal policies, and regular staff training help minimize a risk officer’s legal liability and reduce the likelihood of sanctions.

Managing personnel risks in the risk management team

Personnel risks in risk management teams are often underestimated. An effective risk officer builds a system of training and competency development, and implements mechanisms of internal control and employee motivation.

At COREDO, special attention is paid to forming multidisciplinary teams where AML, compliance, and legal support experts work closely together. This approach allows for rapid response to changes in regulatory requirements and ensures process resilience even amid high staff turnover.

Early warning systems and risk monitoring

Early warning systems for risks are not only digital tools but also organizational practices that allow threats to be identified at early stages. An effective risk officer implements regular monitoring of key indicators, analyzes external and internal data, and initiates corrective actions before an incident occurs.

Solutions developed at COREDO include integrating early warning systems into due diligence processes, AML monitoring, and strategic planning. This approach ensures flexibility and adaptability to rapidly changing market conditions.

Key conclusions and recommendations for entrepreneurs

• An effective risk officer is a strategic business partner, integrating compliance, AML, and legal support into a unified risk management system.
• Key habits: proactive risk identification, continuous learning, use of digital technologies, effective communication with legal and compliance departments.
• To assess effectiveness use KPIs: percentage of incidents prevented, ROI from AML programs, level of automation and employee engagement.
• Implement GRC systems, develop a risk culture, and provide regular team training.
• When choosing a risk officer and legal partner, pay attention to experience in international jurisdictions, knowledge of regulatory requirements in the EU, Asia, and Africa, and the ability to scale risk management processes.
• To minimize risks when registering legal entities internationally and obtaining financial licenses, integrate AML/KYC procedures, automate compliance, and build open interaction with regulators.

COREDO’s practice confirms: only a comprehensive, strategic, and technological approach to risk management allows not only meeting requirements but also turning risk management into a source of sustainable growth and trust in international markets.

The corporate bond market, an effective alternative to bank lending, especially in conditions of widening credit spreads.

Advantages:

• More flexible cost of borrowed capital
• Ability to hedge risks through financial derivatives
• Access to a broader pool of investors

Thus, choosing the optimal combination of financial instruments becomes especially relevant when managing credit spreads and associated risks across different regional markets.

Managing credit spreads and risks in Europe, Asia and the CIS

Particular attention is paid to the variety of approaches across regions – in Europe, Asia and the CIS, where the dynamics of credit spreads and banking regulation standards differ substantially and directly affect risk management strategies.

Regional credit spreads and banking standards

In Europe and Asia there are significant differences in the structure of credit spreads, capital requirements, and risk management standards. For example, in the EU the emphasis is on transparency and integration of ESG factors, while in Asia, on flexibility and speed of decision-making.

The COREDO team has implemented projects for registering legal entities and obtaining financial licenses in the Czech Republic, Slovakia, Singapore, Dubai and the United Kingdom, taking into account the specifics of regional banking standards and credit portfolio requirements.

International regulation and credit risk

International reporting standards (IFRS), Basel III/IV requirements and local regulation shape a unique legal environment for assessing and managing credit risk. It is important to consider:

• Financial monitoring standards
• Legal disclosure requirements
• Mechanisms for protecting the rights of creditors and borrowers

COREDO’s solutions include legal support for companies, integration of AML services and ensuring compliance with international standards.

Scaling business with new banking standards

To scale a business in an international environment it is critically important to:

• Diversify the credit portfolio
• Manage bank capital in line with new standards
• Implement hedging and crisis management strategies

COREDO’s practice confirms that a comprehensive approach to risk management allows companies to effectively expand business in Europe, Asia and the CIS.

Credit spreads and risk management in banks by 2025

Against the backdrop of changing key rate dynamics and rising debt market volatility, banks are forced to adjust approaches to risk assessment and the formation of credit terms.

Forecast of credit spreads and key interest rates for 2025

Analysis by leading rating agencies and bank analysts shows:

• High credit spreads in Europe and Asia are expected to persist through the end of 2025
• Central banks’ key rates will remain elevated, which will increase pressure on the cost of borrowed capital
• Companies with high credit ratings will be able to reduce spreads through transparency and diversification of funding sources

Impact of ESG and technology on banking risk and standards

ESG factors are becoming a key driver of changes in banking standards and credit spread management. Integration of sustainable practices, transparency and digitalization of risk management: trends that have already been implemented in COREDO projects.

The use of financial derivatives and hedging instruments allows companies to reduce risks and optimize capital structure.

Long-term consequences of new standards for business

The long-term consequences of changes in banking standards include:

• Increased requirements for liquidity and credit portfolio management
• The need to implement crisis management
• An increase in the role of automation and FinTech solutions

The COREDO team recommends integrating modern risk management methods and regularly updating capital management strategies.

Thus, the further development of the banking sector will require businesses to take a more attentive approach to credit spread issues and risk management.

Managing credit spreads and risks for businesses

Managing credit spreads and risks for businesses allows significant influence over the cost of borrowed funds and the level of financial threats to a company. Proper management of these instruments helps minimize costs and increase business resilience to external shocks.

How to reduce the impact of the credit spread on loan cost

To assess the impact of the credit spread on loan cost, use:

• Analysis of the credit portfolio structure
• Financial modeling taking macroeconomic factors into account
• Assessment of return on investment (ROI), considering spread dynamics

COREDO’s solutions allow minimizing the spread by diversifying funding sources and integrating alternative financingation.

Credit risk management in international companies

Key practices:

• Implementing risk management standards aligned with Basel IV and IFRS
• Regular stress testing and credit monitoring
• Automation of credit risk assessment and integration of FinTech solutions

COREDO’s experience confirms the effectiveness of a comprehensive approach to managing the credit spread for international companies.

Protecting business and optimizing lending through banking standards

Implement:

• New regulatory requirements for credit spreads
• Risk management tools in banks
• Transparent banking lending procedures

COREDO’s practice includes legal support for companies, registration of legal entities in the EU and Asia, as well as integration of AML services and financial monitoring.

How to choose a partner for legal and financial support of your business?

When choosing a partner, pay attention to:

• Depth of expertise in the international legal and financial field
• Experience in registering legal entities and obtaining licenses in the EU, Asia, and the CIS
• Comprehensiveness of services provided: from AML consulting to transaction support

The COREDO team supports clients at every stage: from company registration to obtaining financial licenses and implementing risk management.

Key takeaways and practical steps

• The credit spread is a key indicator of the cost of borrowed capital and the level of credit risk.
• The new 2025 banking standards require a comprehensive approach to risk and capital management.
• For international businesses, it is critical to integrate automation, FinTech solutions, and modern stress-testing methods.
• Alternative financing instruments (corporate bonds, derivatives, hedging) allow optimization of capital structure and risk reduction.
• Regular credit portfolio monitoring, legal support, and compliance with international standards are the foundation of business resilience.

Comparison of the impact of factors on the credit spread

*Infographic (description):*

Mechanism of credit spread formation:

1. Assessment of credit risk and rating
2. Analysis of macroeconomic factors
3. Consideration of regulatory requirements and banking standards
4. Optimization of capital structure and selection of funding sources
5. Monitoring and automation of risk management

*Links to regulatory documents and analytical reports:*

• Basel III/IV
• S&P Global, Moody’s, Fitch
• International Financial Reporting Standards (IFRS)
• Regulatory acts of the EU, the UK, Singapore, Dubai

In the world of tech entrepreneurship one fact surprises even experienced analysts: more than 40% of startup founders with valuations over $1 billion: graduates of just ten universities worldwide. At the same time, annually in the US alone university startups attract venture investments totaling more than $20 billion, and in Israel there is more than one successful startup per graduate of Tel Aviv University. Why do some universities become generators of entrepreneurial success while others are merely observers? How does the college ranking by number of startup founders affect investors’ strategy and the choice of business education? And what legal and financial nuances do entrepreneurs from Europe, Asia and the CIS need to consider in order to scale their projects globally?

In this article I not only analyze global university rankings by number of startup founders, but also reveal practical aspects: from assessing the ROI of university programs to the legal subtleties of company registration in the EU and Asia. The COREDO team has practically proven that the right choice of educational environment and competent legal support are the key to sustainable growth and a startup’s investment attractiveness. If you are looking for strategic ideas, real cases and clear recommendations, read the article to the end: here you will find tools that will help not only choose the best university for entrepreneurs but also build a business with global potential.

University ranking by number of startup founders

Global rankings record annually which universities become real catalysts for creating new companies and which occupy leading positions by the number of entrepreneurs among alumni.

Overview of global rankings

Annual rankings, such as PitchBook University Rankings 2025, provide an objective picture: US universities dominate by number of startup founders and by the volume of venture capital raised. Stanford, MIT, UC Berkeley, Harvard and University of Pennsylvania: these institutions not only lead in the number of successful startups but also form entrepreneurial ecosystems closely linked to Silicon Valley and the largest venture funds. According to PitchBook, Stanford alumni alone founded more than 1 500 startups that attracted over $100 billion in investment.

Israeli universities: Tel Aviv University and Technion occupy leading positions in the MENA region and are in the world’s top 20 by number of founders of technology companies. A unique acceleration model operates here: universities are integrated with venture funds and government innovation support programs.

European universities, Oxford, Cambridge, ETH Zurich, Technical University of Munich: show steady growth in startup activity, especially in deep tech, biotechnology and fintech. In Asia, the standouts are National University of Singapore, Tsinghua University (China), KAIST (South Korea), where university startup incubators and accelerators become entry points for global investors.

Top 10 universities by startup founders and venture capital

These startup success indicators are not only quantitative but also reflect capitalization, investment activity and strategic partnerships between universities and investors.

Ranking and key metrics of universities for entrepreneurship

The ranking and key metrics of universities for entrepreneurship make it possible to objectively assess which institutions become leaders in training future entrepreneurs and creating successful startups. Key metrics and evaluation methods form a transparent picture of how universities influence entrepreneurial development and what role they play in shaping the business environment.

Metrics and methods of performance evaluation

Classic metrics of university rankings by startups created include:

• The number of startups founded by alumni over the past 10 years.
• The amount of venture capital raised (VC Funding).
• Share of startups with a valuation >$100 million.
• ROI from university startup support programs, the ratio of investments in accelerators, incubators and educational initiatives to the capitalization of the companies created.
• Methodologies for assessing entrepreneurial potential: models are used that take into account not only the number of companies but also their long-term sustainability, the innovativeness of business models and the multicultural composition of teams.

The role of business schools and accelerators

Business schools such as Wharton, INSEAD, London Business School play a key role in shaping entrepreneurial skills, providing access to mentorship, networking and venture capital. University startup incubators and accelerators, Y Combinator (Stanford), StartX, Cambridge Enterprise, become entry points for investors and a platform for testing innovative business models.

Venture investments and universities are not just financial flows, but strategic partnerships where universities act as hubs for innovation and investors as growth catalysts.

Impact of university education on startups

The impact of university education on startups manifests not only in teaching basic knowledge, but also in creating an environment for technological entrepreneurship, from accelerators to venture funds. In recent years universities have become centers for the mass launch of innovative startups, creating new opportunities for students and young entrepreneurs.

How do universities stimulate entrepreneurship?

Modern universities integrate entrepreneurial ecosystems into the educational process:

• Innovative technologies in entrepreneur education – from online courses on tech entrepreneurship to labs for testing business models.
• The role of mentorship and networking, participation in accelerators, access to industry experts, corporate partners and investors.
• Business education and innovation, MBA programs, master’s degrees in entrepreneurship, specializations in fintech, biotechnology and artificial intelligence.

Successful alumni startups, examples

• Google (Stanford), Dropbox (MIT), Palantir (Stanford), Mobileye (Technion, Israel), BioNTech (Johannes Gutenberg University Mainz, Germany), cases demonstrating how university ecosystems become catalysts for global innovation.
• In Europe and Asia, TransferWise (Estonia), Grab (National University of Singapore), SenseTime (Tsinghua University): examples where university accelerators and support from business schools became the foundation for scaling businesses.

Geographic analysis of Europe, Asia and the CIS

Geographic analysis of Europe, Asia and the CIS allows identifying key features that shape the modern landscape of education and innovation in these regions. Such a comparison opens up opportunities for a deeper understanding of the role of universities and local ecosystems in the economic and social development of the countries in this macroregion.

Universities and regional ecosystems

In Europe, Oxford, Cambridge, ETH Zurich, Technical University of Munich lead – here startup activity is stimulated by government grants, accelerators and multicultural teams. In Asia: National University of Singapore, Tsinghua University, KAIST: universities are integrated into innovation clusters and closely cooperate with venture funds and government development institutions.

COREDO’s practice has shown that entrepreneurs from the CIS who choose European and Asian universities face the need to adapt business models to multicultural ecosystems and the requirements of local legislation.

Regional economy and multicultural ecosystems

The region’s economy directly influences graduates’ startup activity: in countries with a developed venture market (USA, Israel, Singapore) universities become centers attracting investment and talent. Multicultural startup ecosystems are the key to forming global teams and adapting products to different markets.

Legal support for startups of university graduates

Legal support for startups of university graduates provides young entrepreneurs with legal protection and assistance at all stages of their projects’ development. This is especially important when entering international markets, where proper registration and structuring of a business in different jurisdictions, such as the EU and Asia, require consideration of many nuances and laws.

Registration of legal entities for startups in the EU and Asia

Registration of legal entities for startups is a strategic stage that requires a deep analysis of jurisdictions, tax regimes and compliance requirements. In the EU popular forms include GmbH (Germany), SARL (France), Limited (United Kingdom), OÜ (Estonia), in Asia: Private Limited (Singapore), Kabushiki Kaisha (Japan), LLC (UAE).

The COREDO team has implemented dozens of company registration projects in the Czech Republic, Slovakia, Cyprus, Estonia, the United Kingdom, Singapore and Dubai, providing comprehensive legal support: from choosing the optimal form to obtaining financial licenses (crypto, banking, forex, payment services).

AML and compliance: basics and practice

In the EU and Asia there are strict KYC/AML standards requiring transparency.

of company structure, sources of funding and business processes.

Our experience at COREDO has shown: startups founded by university graduates often face the need to implement compliance procedures at early stages, especially when obtaining financial licenses and opening corporate accounts abroad.

Legal support and corporate risk management

Legal support for startups includes:

• choosing a jurisdiction taking into account tax and investment advantages.
• Preparation of corporate documents, charter documents, and investor agreements.
• Implementation of AML and compliance procedures, management of corporate risks.
• Obtaining licenses for activities in fintech, crypto, and payment services.

Legal factors affecting investments in startups

Legal factors affecting investments in startups are becoming increasingly important when choosing an investment target, structuring a deal and protecting the long-term interests of both parties. It is legislative transparency, proper contract drafting and adherence to compliance standards that significantly reduce legal risks and increase investor confidence in young companies.

Issues of transparency in conducting business and organizing compliance become key to minimizing risks and strengthening trust between an investor and a startup, which directly leads to a detailed consideration of the mechanism of legal transparency and compliance observance.

Legal transparency and compliance

Legal transparency and adherence to international compliance standards are critically important for venture investors. Startups with a clear structure, transparent corporate documentation and implemented AML procedures gain an advantage when attracting external investment and strategic partners.

Risk management and business scaling

Scaling startups requires:

• Legal adaptation of the business model to the requirements of different markets (EU, Asia, the United Kingdom, Singapore, Dubai).
• Implementation of corporate risk management procedures: protection of intellectual property, structuring investments, optimizing tax burden.
• Comprehensive support at all stages, from company registration to an IPO or M&A.

The COREDO team has supported projects where legal preparation and compliance became a decisive factor for success in attracting venture capital and scaling the business internationally.

Practical recommendations for entrepreneurs and executives

Practical recommendations for entrepreneurs and executives are especially relevant when making key decisions that affect professional growth and business development. In particular, choosing a university for entrepreneurship requires a balanced approach that takes into account the specifics of educational programs, opportunities for startups and subsequent career trajectory.

Choosing a university for entrepreneurship

When choosing a university for entrepreneurial education, it is important to consider not only college rankings by number of founders but also the presence of accelerators, business schools, innovation support programs and strategic partnerships with investors. The best universities for entrepreneurs are not only Stanford and MIT, but also Oxford, Cambridge, National University of Singapore, ETH Zurich, Tel Aviv University.

Best practices for supporting startups

• Participation in accelerators and incubators at universities.
• Using university mentorship and networking programs.
• Incorporating innovative technologies into the educational process.
• Collaboration with venture funds and corporate partners.

Effective use of university programs

• Assessing the ROI of investments in university startups: analysis of long-term capitalization, business model resilience and quality of support.
• Implementing risk management procedures: legal protection, compliance, structuring corporate processes.
• Choosing a jurisdiction for company registration: analysis of tax regimes, licensing requirements, and AML compliance specifics.

COREDO’s practice has shown that comprehensive support, from educational programs to legal assistance, ensures a startup’s sustainable growth and investment attractiveness.

Key conclusions and recommendations

Analysis of the colleges’ ranking by number of startup founders demonstrates: the success of entrepreneurial projects is determined not only by the quality of education, but also by the presence of accelerators, strategic partnerships, legal transparency and innovation support. For entrepreneurs from Europe, Asia and the CIS, choosing a university, integrating into global startup ecosystems and competent legal support are key factors for long-term success.

Use the experience of market leaders, implement best practices for supporting startups and ensure process transparency—this is the key to investor trust and sustainable growth for your business.

Additional tips and recommendations

Comparative table of leading universities by key metrics

Case studies of successful startups from various regions

• BioNTech (Germany): a biotechnology startup founded by university alumni, went public and became a global leader in mRNA technologies.
• Grab (Singapore): a startup that grew out of a university accelerator, attracted more than $10 billion in investment and became the largest platform in the region.
• Mobileye (Israel): an example of successful integration of university research and venture capital.

FAQ on legal and investment issues

• Which legal forms of registration are preferable for startups in the EU and Asia?
• How do universities help manage startups’ risks?
• Which metrics should be used to assess universities’ entrepreneurial activity?
• How can one assess the ROI of investments in university startups?
• What AML compliance considerations are important for startups founded by university alumni?

These tools and recommendations, based on the experience of the COREDO team, will help entrepreneurs and leaders make strategic decisions, build businesses at a global level, and effectively leverage the potential of university startup ecosystems.

In 2024 female startup founders exceeded 25% of all new technology companies in Europe and Asia for the first time, and this figure continues to grow at an outpacing rate compared to previous years.

Why, with the obvious rise of female entrepreneurship, does the startup ecosystem still face such imbalances? What role do universities play in shaping the new generation of women entrepreneurs and which universities truly become catalysts of this process?

It reflects not only the quality of educational programs, but also the maturity of the support ecosystem, the degree of inclusivity and openness to innovation.

In this article I, Nikita Veremeev, founder of COREDO, offer a deep analytical review: who and why leads the development of female entrepreneurship, which educational and infrastructure solutions actually work, and how this knowledge helps entrepreneurs and universities create sustainable, scalable startups. If you are looking not for a superficial overview but for a practical guide and strategic ideas – this article is for you.

University ranking by female startup founders

Analyzing this ranking and its indicators, it is important to understand which evaluation criteria underlie it and why they reflect the real contribution of universities to the development of the female startup movement.

Methodology for evaluating criteria

For objective analysis the COREDO team uses a comprehensive methodology that includes:

• Number of startups founded by female alumni over the last 5 years;
• Amount of investments raised by these startups;
• Presence of specialized support programs (inclusive accelerators, mentorship, grants);
• Integration of universities into international startup ecosystems and corporate partnerships.

Data sources: international university entrepreneurship rankings (PitchBook, THE, QS), Female Founders Monitor reports, studies of university startup incubators in Europe and Asia, as well as independent analytical platforms.

Top universities in Europe and Asia 2025

Comparison and examples of business success

COREDO’s practice confirms: leading universities systematically invest in creating inclusive startup ecosystems. For example, at NUS (Singapore) the Women in Tech program combines mentorship with access to venture funds focused on gender diversity. At TUM (Munich) the Women Start-up initiative actively develops entrepreneurial skills for women in STEM through accelerators and industry competitions.

The results speak for themselves: startups founded by women alumni of NUS and Cambridge demonstrate not only high survivability but also active entry into international markets, as evidenced by growth in attracted investments and successful scaling cases.

The impact of education on the success of female startup founders

The impact of education on the success of female startup founders is becoming increasingly clear: quality education not only helps acquire the necessary professional skills but also significantly boosts self-confidence, which is especially important for women in the entrepreneurial environment. Let’s discuss the role specialized programs and entrepreneurship education play on the path to success for women founders.

Educational programs and entrepreneurship education

COREDO’s experience shows: universities implementing entrepreneurship educatThey, as a required element for students of all faculties, shape not only business competencies but also an entrepreneurial mindset among women startup founders. Interdisciplinary courses are especially effective, combining technological entrepreneurship, innovation management and the basics of venture financing.

In Europe and Asia, the best universities for women entrepreneurs actively develop corporate partnerships, inviting practitioners to run master classes, hackathons and acceleration programs. This lowers entry barriers for women into the tech sector and strengthens their positions in the startup ecosystem.

Impact of STEM Education and Business Incubators

The role of STEM education (science, technology, engineering, mathematics) in shaping women’s entrepreneurship in the tech sector cannot be overstated. At leading universities, the share of women in technical and engineering fields is steadily growing thanks to targeted scholarships and mentoring programs. Business incubators and accelerators for women entrepreneurs are becoming an entry point into the startup ecosystem and a platform for developing leadership competencies.

Support Programs for Women Entrepreneurs at Universities in Europe and Asia

A number of universities in Europe and Asia implement unique initiatives:

• At Cambridge, the EnterpriseWISE program operates, where women founders gain access to mentoring, investment sessions and industry networking events.
• At NUS – Lean LaunchPad and Women in Tech, where the focus is on tech entrepreneurship and international scaling.
• At Charles University (Czechia): Women in Innovation, combining educational modules and an accelerator with access to European grants.

Corporate innovation partnerships with leading companies (for example, Siemens, Google, SAP) allow women entrepreneurs to test business models and gain expertise on entering international markets.

Challenges for Women Startup Founders

Challenges for women startup founders largely determine the particular dynamics of their development: even amid a general increase in the number of women entrepreneurs, statistics show that they have to face barriers that are significantly less common for men. These challenges appear in access to financing, investment attractiveness and project scaling, and they form the basis of the key barriers for women in the startup industry.

All this leads us to consider the most significant barriers faced by women startup founders.

Main Barriers

The COREDO team has repeatedly encountered that even in developed ecosystems women startup founders face three key barriers:

• Social and cultural stereotypes that limit access to leadership positions;
• Difficulties in attracting venture financing: according to European Women in VC, less than 10% of venture investment in Europe goes to female-led startups;
• Limited access to networking and mentorship, especially in tech entrepreneurship.

In Asia these challenges are amplified by regional specifics: traditional leadership models, a lack of role models and lower representation of women in STEM.

How to overcome barriers: solutions and strategies

Real change happens where universities and business communities implement inclusive initiatives:

• Government support: grants, tax incentives, training programs for women entrepreneurs.
• Support platforms: Female Founders, Women in Tech, international startup competitions focused on gender diversity.
• Networking and mentorship – accelerators, corporate partnerships, industry communities.

Investments and valuation of women’s startups

Investments and valuation of women’s startups is a topic that brings together issues of capital attraction, financing specifics and success criteria for business projects founded by women. Despite growing investor interest and expanding women’s participation in entrepreneurship, access to funding for such startups remains limited. This topic allows for a deeper look at the specifics of venture financing and valuation approaches to female-led projects.

Venture funding for women’s startups

Venture funding and gender aspects are among the most acute topics of recent years. Despite the growth in the number of women startup founders, venture funds still tend to invest in male teams. Nevertheless, specialized funds focused on gender diversity are emerging (for example, Female Founders Fund, BBG Ventures), and university accelerators increasingly organize investment days for women’s startups.

Performance metrics: KPI and ROI in plain language

To assess the success of women’s startups, the COREDO team recommends using:

• KPI: revenue growth, share of international customers, number of patents and innovations;
• ROI: return on investment taking into account development stage, industry and scaling;
• ESG factors: social impact, sustainable development, influence on gender equality.

Analysis of the success of startups founded by women shows: projects with a strong social mission and a focus on digital transformation more often achieve sustainable growth and attract long-term investments.

How to increase the investment attractiveness of women’s startups

The solution developed at COREDO includes:

• Forming a transparent business model with clear performance metrics;
• Emphasis on ESG and social impact;
• Active participation in international accelerators and competitions.

Scaling strategies and risk management

Scaling strategies allow companies not only to grow in domestic markets but also to enter the international arena, which inevitably involves new challenges and the need for risk management. Well-chosen approaches to expansion help minimize potential threats and increase the chances of success when entering new territories.

Entering international markets – best practices

The COREDO team has implemented dozens of scaling projects for startups founded by women in the EU, Singapore, Dubai and the United Kingdom. Key strategies:

• Partnerships with university accelerators and corporate innovation centers;
• Product localization taking regional specifics into account;
• Use of international platforms (for example, Female Founders, She Loves Tech) for networking and attracting investments.

Innovation management and sustainable development

Women-led startups more often implement sustainable business models and focus on long-term development. COREDO’s practice confirms: integrating ESG factors and digital technologies into a risk management strategy not only reduces costs but also increases investment attractiveness.

In this context, the question of support for women’s entrepreneurship by educational institutions becomes key.

Women’s entrepreneurship and the role of universities

Women’s entrepreneurship is becoming an important driver of innovation and sustainable economic development, and modern universities play a key role in unlocking women’s potential in business through education, mentoring and startup support. Let’s look at how universities contribute to the formation of new ecosystems and the development of initiatives involving women entrepreneurs.

Building startup ecosystems with women

Leading universities integrate women into the startup ecosystem through:

• Specialized educational and acceleration programs;
• Corporate innovation partnerships;
• International exchange programs and participation in global competitions.

The influence of cultural and regional specifics is especially noticeable in Asia, where universities actively work with government and private funds to overcome barriers and create an inclusive environment.

Innovation partnerships in corporations

Corporate partnerships with universities are becoming a driver of women’s entrepreneurship development: joint labs, accelerators, and industry competitions give women access to resources, mentorship and markets.

Integration into global ecosystems

The startup ecosystem becomes truly effective when universities, corporations and the state form a unified support platform that facilitates the integration of women-led startups into international markets and venture networks.

Key conclusions and recommendations for entrepreneurs and universities

• A ranking of universities by the number of women founders of startups is an important tool for assessing the maturity of the ecosystem and choosing strategic partners.
• University education and specialized support programs: the key to developing successful women entrepreneurs, especially in the technology sector.
• For women founders: invest in education, participate in accelerators and international competitions, build networks and focus on ESG.
• For universities: develop inclusive accelerators, mentorship programs, corporate partnerships and integration with global ecosystems.
• For investors and corporate partners: consider not only financial metrics but also social impact; support women-led startups through venture funds focused on gender diversity.

Top 10 universities in Europe and Asia by number of women founders of startups

Women founders: success stories

• Dr. Alice Smith (Cambridge, United Kingdom): founded a digital health startup, raised $50M in funding, and scaled the business to 12 EU countries.
• Li Wei (NUS, Singapore): an AI startup for fintech; she completed the NUS Enterprise accelerator and received funding from an international venture fund.
• Eva Müller (TUM, Germany): a startup in sustainable technologies; she won the European Female Founders competition and entered markets in Asia and the EU.

FAQ on women’s entrepreneurship and universities

Which universities in Europe and Asia lead in the number of women founders of startups?
University of Cambridge, NUS, TUM, University of Oxford and Seoul National University: recognized leaders on this metric.

How does university education affect women’s success in startups?
It shapes entrepreneurial skills, expands access to networking, mentorship and investment, especially through accelerators and incubators.

What support programs exist for women entrepreneurs at universities?
Accelerators, mentorship programs, grants, corporate partnerships and international competitions focused on women’s entrepreneurship.

How to increase investor confidence in startups founded by women?
A transparent business model, clear KPIs and ROI, emphasis on ESG and participation in international accelerators.

Which barriers most often

What do women face when creating startups?
Stereotypes, limited access to financing and networking, a lack of role models in the tech sector.

How to measure return on investment (ROI) in women-founded startups?
Through financial metrics (revenue, profit), social impact (ESG), scaling rates and the sustainability of the business model.

Scaling a business with venture capital and an MBA requires not only access to funding, but also a deep understanding of growth strategies, risk management, and building an effective team.

Strategies for scaling a business under venture financing

Scaling a business with venture capital requires not only access to funding but also a built-out growth strategy. Key elements:

• Financial planning for startups that takes investors’ requirements into account.
• Managing investor expectations: transparent communication around KPIs, growth metrics, and stages of entering new markets.
• Flexibility in adapting the business model to changing market conditions.
• Ability to solve scaling problems under investor pressure without sacrificing business sustainability.

How an MBA helps make decisions in venture financing

An MBA gives entrepreneurs tools to manage the risks of venture financing:

• Deep financial analysis that allows objective evaluation of company valuation and deal terms.
• Strategic management skills needed to make decisions under uncertainty.
• Experience working with investment instruments and an understanding of dilution mechanisms.
• Ability to build communication with investors, manage expectations, and protect the company’s interests.

Regional venture capital: Europe and Asia

Regional venture capital in Europe and Asia is a dynamically developing market where significant changes have taken place in investment structures, fund activity, and deal terms in recent years.

In this context, a comparative examination of the risks and conditions of venture capital becomes key to a deeper understanding of regional market specifics.

Differences in venture capital risks and terms between Europe and Asia

Characteristics of venture capital in Europe and Asia are defined by differing market maturity, regulatory requirements, and investing culture:

• In Europe, venture funds are more often oriented towards long-term investment strategies and sustainable development, emphasizing corporate governance and transparency.
• In Asia (especially in Singapore, Hong Kong, and South Korea), venture capital is more dynamic, deals happen faster, but requirements for scaling and return on investment are higher.
• Differences in the structure of investment rounds, requirements for Due Diligence, and corporate reporting.

Considering regional specifics in MBA and venture capital

The choice of business school and MBA program should take into account the specifics of the target market:

• To scale a business in Europe, it is advisable to choose programs with a focus on corporate governance, sustainable development, and ESG approaches.
• For entering Asian markets — programs that provide a deep understanding of innovation ecosystems, network effects, and the specifics of venture financing in the region.

Alternatives to venture capital and financing methods

Alternatives to venture capital and financing methods open up a wide range of development opportunities for startups beyond traditional venture investments.

Alternatives to venture capital for startups

Venture capital is not the only path to scaling. Among the alternatives:

• Crowdfunding and platform financing.
• Grants and subsidies from governmental and international organizations.
• Private equity, strategic partnerships, and corporate investments.
• Debt financing and convertible loans.

from multiple sources, which allows minimizing share dilution and preserving flexibility in management.

How does an MBA help choose investment strategies?

An MBA develops entrepreneurs’ skills in analyzing investment instruments, assessing risks, and selecting optimal capital-raising strategies. Key competencies include:

• Financial planning for startups taking into account different sources of funding.
• Assessing the effectiveness of investment strategies by ROI, IRR and other KPIs.
• Using tools for startup valuation and building investment models.
• Developing fundraising strategies considering long-term goals and ownership structure.

Practical advice for entrepreneurs and executives

MBA and venture capital are powerful tools for scaling a business, but their effectiveness depends on the right strategy and consideration of risks. Points to consider:

• Evaluate the ROI of an MBA not only by income growth, but also by the ability to attract venture capital, manage risks, and build international partnerships.
• Before attracting venture investments, establish a transparent shareholding structure, define conditions for protecting ownership stake and an exit strategy.
• Take regional specifics of venture funding into account: requirements for corporate governance, deal structure and reporting differ between Europe and Asia.
• Consider alternatives to venture capital: grants, private equity, and crowdfunding can be effective at early stages.
• Use the knowledge and skills gained in an MBA for strategic management, financial analysis, and building effective communications with investors.

In 2024, private capital accounts for more than 60% of all new investments in European innovative companies – a figure that just ten years ago seemed unattainable. However, despite this impressive growth, Europe annually loses up to €300 billion of private investment due to capital migration and insufficient integration of financial markets. Why, possessing such a significant resource, does Europe’s economy face the threat of losing global competitiveness? How can private capital become not only a source of growth but also a guarantee of the EU’s economic security in conditions of geopolitical turbulence and a technological gap with the US and Asia?

These questions worry not only regulators and analysts today, but also entrepreneurs, owners and CFOs who are looking for reliable solutions to scale businesses, attract investment and minimize risks. In this article I share the experience of COREDO in supporting cross-border projects, company registrations, obtaining financial licenses and implementing AML strategies in the EU, Asia and the CIS. Here you will find not only an in-depth analysis of the role of private capital in the European economy, but also practical recommendations that will help your business effectively attract investments, manage risks and take advantage of the opportunities of the European capital market. If you want to understand how private capital can become your strategic advantage, I invite you to read the article to the end.

Private Capital and Europe’s Competitiveness

Private capital has become one of the key factors shaping Europe’s economic dynamics, contributing to industry development and maintaining technological leadership in the face of global competition. The interaction between the state and private capital plays a central role in strengthening Europe’s competitiveness, especially in infrastructure, innovation and international economic relations.

Private capital in the European economy: functions and impact

Private capital: it is not only investment funds private equity and venture capital, but also the assets of HNWI, family offices and corporate investors. Its key function is providing flexibility and speed of financing that are unavailable to the traditional banking sector. COREDO’s practice confirms: in most cases of company registration in the Czech Republic, Estonia, the United Kingdom and Singapore, it is private investments that become the catalyst for a rapid market entry and scaling of new business models.

Unlike government subsidies, private investments are more responsive to market signals, allowing quicker reactions to new trends and market needs.

Private investments and their impact on the economy and innovation

COREDO’s experience in supporting projects to obtain licenses for financial services and launching innovative fintech companies in the EU shows: private investments directly affect economic growth by creating jobs, stimulating R&D and contributing to the development of new industries. Venture capital and private equity are becoming the main sources of funding for deeptech, greentech and biotechnology startups, enabling Europe to narrow the innovation gap with the US and Asia.

They not only promote sustainable development but also increase Europe’s investment attractiveness in the global capital market.

Private capital in the development of the European capital market

The development of the European capital market is impossible without the active participation of private investors. Solutions developed at COREDO for structuring cross-border deals show: the inflow of private capital contributes to the formation of new financial instruments, increases market liquidity and reduces Europe’s economy dependence on bank lending. This is especially important in the context of forming the EU banking union and integrating the internal capital market.

In these conditions, a deep analysis of the characteristics and limitations of private capital in Europe becomes especially important.

Private capital in Europe: challenges and opportunities

Private capital in Europe today faces new challenges: the outflow of wealthy individuals, a difficult economic environment and growing global market competition force investors to seek new ways to preserve and grow their assets. At the same time, these processes open significant opportunities for transforming the financial system and strengthening the role of private investments in the region’s strategic sectors.

Problems of the EU economy and the role of private capital

Despite the growth in private investment volumes, Europe faces a number of structural challenges: market fragmentation, regulatory differences, insufficient transparency and high compliance costs. The COREDO team has implemented projects for company registration and obtaining licenses in the Czech Republic, Estonia, Cyprus and the United Kingdom, which made it possible to identify that effective attraction of private capital requires the harmonization of standards, the unification of KYC/AML procedures and the introduction of digital platforms for investment management.

The impact of capital migration on Europe’s investments

Capital migration: one of the key challenges to the EU’s economic security. According to recent studies, the annual outflow of private investments from Europe to the US and Asia reaches 2% of the region’s GDP. This reduces the competitiveness of the European economy and limits opportunities to finance innovations. COREDO’s experience in supporting international transactions shows that strategic capital migration is often associated with the search for more favorable tax and regulatory conditions, as well as with the high speed of prindecision-making in other jurisdictions.

EU economic security and investment risks

The EU’s economic security directly depends on the ability to effectively manage private capital risks. Key risks include regulatory uncertainty, currency fluctuations, political instability and cyber threats. At COREDO we implement comprehensive AML strategies, develop bespoke solutions for managing investment risks and support clients at all stages of deal structuring, which helps minimize losses and increase business resilience.

Impact of economic and geopolitical factors on private capital

Global economic challenges, inflation, tightening monetary policy, and sanction restrictions significantly affect private capital flows. Geopolitical tension increases demands for transparency and compliance, raises financing costs and reduces risk appetite. COREDO’s experience shows that in times of instability those companies win that proactively adapt their business models to new realities and use multi-stakeholder capital management.

Investment strategies and attracting private capital in the EU

Investment strategies and the attraction of private capital in the EU are becoming key tools to ensure sustainable economic growth and to address the region’s strategic objectives. Modern approaches to capital mobilization create attractive conditions for investors and help maintain the competitiveness of European companies on the global market.

Best practices for attracting investments in the EU

Effective attraction of private capital requires not only a deep understanding of local markets but also the ability to integrate international standards. At COREDO we support projects that use hybrid investment instruments, from convertible notes to SAFE agreements, which helps minimize risks and speed up deals. Among best practices are creating transparent corporate structures, implementing digital platforms for Due Diligence and automating KYC/AML processes.

Venture and private equity capital in the development of European companies

Venture capital and private equity play a key role in scaling businesses, especially in high technology, biotechnology and sustainable development sectors. COREDO’s experience in supporting venture deals in Estonia and Singapore has shown that having a professional fund manager, a transparent governance structure and a clear exit strategy significantly increase the chances of success and attracting new funding rounds.

Thus, the success of venture and private equity investments directly depends on the prudent use of modern financial instruments, which will be discussed in more detail below.

Financial instruments for investment management

Modern financial technologies (FinTech) enable automation of investment portfolio management, reduce transaction costs and provide transparency for all market participants. ESG investments are becoming an integral part of private capital strategies, reflected in the growing number of specialized funds and the adoption of sustainable finance standards. COREDO’s solutions for integrating FinTech platforms and implementing ESG metrics allow clients not only to meet current requirements but also to increase the investment attractiveness of projects.

Regulation and taxes affecting capital inflow

Regulation of private investments in the EU is highly detailed and requires deep knowledge of local legislation. Different EU countries have their own tax policy features that affect deal structures and the choice of jurisdiction. COREDO’s experience in registering companies in Cyprus, the United Kingdom and the Czech Republic confirms that competent tax optimization and the use of international investment agreements can significantly reduce costs and increase investment returns.

Private capital and the sustainable development of the European economy

Private capital is becoming a key driver on the path to the sustainable development of the European economy. With accelerating technological and climate changes, the role of private investments is growing, especially in projects focused on decarbonization and the “green” transition.

Private investments in Europe’s decarbonization

Private capital is a key source of financing projects for the decarbonization of the European economy. In recent years COREDO has supported several major deals to attract investment in renewable energy and projects to reduce carbon footprint. Private investments help accelerate the adoption of innovative technologies, support clean energy startups and contribute to achieving the goals of the European Green Deal.

Private capital and the green economy: financing sustainable projects

The green economy requires long-term investments that private funds and HNWI are ready to provide. In COREDO’s practice special attention is paid to projects that meet the principles of sustainable development and corporate social responsibility (CSR). Using ESG criteria when evaluating projects not only reduces risks but also attracts additional financing from international investors.

The impact of digital transformation on investments in private capital

The digital transformation of the European economy opens new opportunities for private investors. The adoption of blockchain technologies, automation of compliance, development of digital platforms for investment management — all this increases deal efficiency and transparency. The COREDO team has implemented several projects to launch digital funds and the tokenization of assets, which enabled clients to enter new markets and attract capital from Asia and the Middle East.

CSR and multi-stakeholder capital management

MulStakeholder capital management is becoming the standard for European companies focused on long-term development. The application of CSR principles allows not only to strengthen reputation but also to increase business resilience to external shocks. At COREDO we integrate CSR strategies into corporate governance, which helps attract new investors and strengthen clients’ positions in international markets.

Long-term consequences of private capital in Europe

The long-term consequences of private capital in Europe affect not only financial flows, but also the resilience of economic institutions, the dynamics of innovation and the structure of investments. Understanding these processes is especially important today, as the European market faces new challenges, including increased capital outflows and changes in the global economy.

Long-term consequences of capital outflow from the EU

Private capital outflows lead to lower economic growth rates, a reduction in the number of innovative companies and an increased technological gap with the US and Asia. To minimize these consequences, structural reforms are needed aimed at improving transparency, reducing regulatory barriers and encouraging long-term investments. COREDO’s experience in supporting capital reintegration projects shows that creating a favorable environment for investors is the key to the sustainable development of Europe’s economy.

The EU banking union and the private capital market

The formation of the EU banking union contributes to the unification of standards, the reduction of transaction costs and increased confidence in the region’s financial markets. This creates additional incentives for attracting private capital and developing new financial instruments. At COREDO we track all changes in the regulatory environment and help clients adapt to the new requirements of the banking union.

Joint projects and their impact on investments

Joint public projects, such as pan-European funds and infrastructure programs, play an important role in shaping a positive investment climate. They help reduce risks for private investors, provide co-financing and accelerate the implementation of strategic initiatives. COREDO’s practice confirms that participation in such projects increases trust in business and opens access to additional sources of financing.

Strategies for integrating European financial markets

Integration of financial markets is a key factor in enhancing the competitiveness of the European economy. It ensures the free movement of capital, the unification of standards and access to new sources of financing. COREDO’s solutions for structuring cross-border deals and optimizing corporate structures enable clients to effectively use the advantages of an integrated EU market and minimize regulatory risks.

Recommendations for entrepreneurs and investors

Recommendations for entrepreneurs and investors in the European context are becoming increasingly relevant amid major changes in regulation, the economy and security. Attracting and effectively managing private capital today requires a deep understanding of European specifics and modern tools for operating in a rapidly changing market.

How to attract and manage private capital in Europe

To successfully attract private capital, it is important not only to choose the optimal jurisdiction but also to build a transparent corporate structure that complies with international compliance standards. COREDO’s experience shows that implementing digital platforms for investment management, automating KYC/AML and integrating ESG metrics significantly increase the chances of attracting investors.

Risk management and ROI assessment

Effective risk management requires a comprehensive approach: from portfolio diversification to implementing hedging tools and regular monitoring of regulatory changes. Methods for assessing ROI in Europe include not only financial indicators but also non-financial metrics: ESG indices, level of innovativeness, social impact. COREDO’s solutions allow integrating these metrics into the corporate governance system and making more balanced investment decisions.

Table: ROI metrics for evaluating private investments in Europe

Financial instruments and technologies for business growth

Scaling a business through private capital requires the use of modern financial instruments — from convertible loans to tokenized assets. Implementing FinTech solutions speeds up due diligence processes, increases transparency and reduces costs. COREDO’s practice demonstrates that integrating digital platforms and automating capital management are becoming the standard for successful companies in the European market.

How to adapt to EU tax changes?

Regular monitoring of changes in the tax and regulatory environment is a necessary condition for long-term success. COREDO’s solutions include the development of individual tax optimization strategies, the use of international agreements and the implementation of automated compliance systems. This allows clients to respond promptly to changes and minimize tax and regulatory risks.

Key findings and prospects

Private capital, a key driver of the competitiveness of the European economy, a source of innovation and sustainable development. Its role is increasing amid global challenges, the integration of financial markets and digital transformation. New opportunities are opening up for businesses and investors: from financing green prfrom projects to scaling through cross-border deals. At the same time, success requires a systemic approach: transparency, risk management, adaptation to regulatory changes and implementation of ESG standards. COREDO’s experience confirms: strategic partnership, deep market understanding and comprehensive support – the key to effectively attracting and managing private capital in Europe.

You will receive practical recommendations, learn about the best technologies and methodologies, and see real cases from COREDO’s practice. If your goal is to take the bank to a new level of efficiency, be sure to read to the end: here you will find strategic ideas and tools that work.

Optimization of banking processes to increase the bank’s productivity

Optimization of banking processes becomes a key tool for increasing a bank’s productivity and its competitiveness in the market. Modern financial organizations need to review and improve their business processes to reduce costs, speed up service and increase customer satisfaction.

Optimization of business processes in banks

Any optimization begins with a thorough analysis of current processes. COREDO’s practice confirms: only detailed mapping of a bank’s business processes allows identifying bottlenecks, redundant operations and points of loss. We apply Value Stream Mapping and process audit methodologies to determine where delays, duplication of functions or inefficient allocation of resources occur.

The next stage: standardization and control of business processes. In European and Asian banks, standardization of operations according to ISO 9001 and ISO 20022 provides transparency, manageability and risk reduction. Solutions developed at COREDO include the implementation of clear regulations, control points and automated electronic document management systems (EDMS), which minimize errors and speed up transaction processing.

The third step: implementation of BPM platforms and automated banking systems (ABS). BPM in the banking sector allows not only modeling but also flexible management of a bank’s business processes, integrating front and back office, payment processing and credit operations into a single digital ecosystem. The COREDO team has implemented projects integrating platforms such as Camunda, Appian and Bizagi, which enabled clients to reduce the application processing cycle by 40% and lower operating costs by 25%.

Change management and employee engagement: a mandatory element of successful optimization. Our experience at COREDO has shown that only through training, communication and involving key employees can you ensure the sustainability of transformations, reduce resistance and accelerate the implementation of new standards.

Lean Six Sigma and methodologies for optimizing banking processes

Lean Six Sigma is one of the most effective methodologies for reducing a bank’s costs through automation and improving the quality of operations. In COREDO projects we used DMAIC (Define, Measure, Analyze, Improve, Control) to optimize lending and deposit processes, which reduced application processing time from 5 days to 36 hours.

Agile and Scrum in banking IT projects are not just buzzwords but practical tools that provide flexibility, rapid adaptation to change, and transparency in managing digital transformation projects. The COREDO team implemented Scrum to develop and integrate a CRM system in a large European bank, which expedited the product’s time-to-market and increased customer satisfaction by 20%.

Practical examples from COREDO’s experience show: the combination of Lean Six Sigma, BPM and Agile not only optimizes a bank’s business processes but also creates a culture of continuous improvement and innovation.

Automation of banking processes to improve efficiency

Automation of banking processes to improve efficiency is a strategic tool that allows banks not only to optimize internal operations but also to elevate the quality of customer service. Modern automation solutions cover both front and back office, reducing costs and minimizing errors to ensure maximum reliability and responsiveness of the entire banking system.

Thus, automation covers the key processes of both areas and opens new opportunities for comprehensive optimization of the bank’s operations.

Automation of the bank’s front and back office: what to optimize?

The front office is the bank’s face to the client. Here speed and accuracy of service, as well as communication quality, are critical. Implementing CRM systems for banks such as Salesforce, Microsoft Dynamics or Creatio enables automating request processing, segmenting customers, tracking interaction history and quickly responding to changes in demand. A solution developed by COREDO for a bank in the Czech Republic delivered a 15% increase in NPS by automating front office operations.

The back office is the heart of operational efficiency. Automation of lending and deposit operations, integration of ABS and electronic document management systems (EDMS) help reduce document processing time, decrease the number of errors and ensure process transparency. COREDO’s practice confirms:Automating payment and plastic card processing using modern platforms (for example, FIS, Temenos) increases transaction speed and reduces operational costs.

process optimization of lending and deposits, a separate area where automation enables the standardization of procedures, integration of scoring models and control of the bank’s business processes at every stage.

Integration of AI, machine learning and APIs

The integration of artificial intelligence and machine learning into banking operations is not theory but today’s reality. The COREDO team has implemented projects to deploy ML models for automating scoring, detecting fraud and predicting customer churn. Such solutions improve the accuracy of operations, reduce risks and speed up decision-making.

Integrating APIs into banking systems is the key to digital customer service channels and process scalability. Open APIs allow banks to quickly connect new services, integrate payment processing, CRM and BPM platforms, and provide an omnichannel customer experience.

data security and information security in banks are a priority for any automation. COREDO’s practice includes implementing ISO/IEC 27001 standards, regular audits, data encryption and multi-layered protection, which helps minimize the risk of information leaks and comply with regulators’ requirements.

Digital transformation and risks in banks

This is especially important against the backdrop of new digitalization trends, which we will discuss below.

Digital transformation of financial institutions, trends and challenges

Digital transformation of banks is not just the introduction of new technologies, but a comprehensive change of the business model, processes and organizational culture. In Europe and Asia, market leaders are investing in digital innovations, front- and back-office automation, integration of BPM platforms and artificial intelligence.

The impact of digitalization on customer experience cannot be overestimated. COREDO’s solutions for digitizing service channels, implementing mobile applications and chatbots have allowed banks to increase customer engagement and halve waiting times.

Best practices for optimizing banking processes in Europe and Asia include standardizing operations, integrating CRM and BPM, automating processing and continuous staff training. COREDO’s experience shows: the success of digital transformation depends on a comprehensive approach and strategic planning.

Bank risk management and compliance

Regulatory requirements and compliance in banking are becoming increasingly complex. Banks must comply with AML, KYC, GDPR and ISO standards, and integrate monitoring and reporting systems. The COREDO team has implemented projects to deploy automated compliance platforms, which has reduced the risk of fines and sped up transaction processing.

Managing operational risks in the context of digitalization requires integrating business process analytics, monitoring KPIs of banking processes and regular audits. COREDO’s solutions include control automation, the implementation of early-warning systems and staff training.

Ensuring compliance with ISO and AML standards is an integral part of optimizing a bank’s business processes. COREDO’s practice confirms: only a systematic approach to compliance and risk management ensures sustainable development and protection of the interests of the bank and its clients.

KPI and ROI of digital initiatives: efficiency metrics

KPIs and ROI become the basis for an objective assessment of the effectiveness of digital initiatives and allow not only recording the achievement of goals but also measuring the actual return from implementing new processes and solutions. Using these efficiency metrics is especially important for comprehensive analysis, for example, when evaluating the digital transformation of banking processes or new digital products.

Analysis of KPIs of banking processes

Selecting the right KPIs for banking processes is the basis for assessing the effectiveness of optimization. In COREDO projects we use metrics such as average application processing time, percentage of automated operations, customer satisfaction levels (NPS, CSAT), payment processing speed and level of operational costs.

Examples of key indicators for the front office: response time to a request, number of successfully processed inquiries, conversion rate. For the back office: document processing time, error rate, operation execution speed. For processing: transaction time, percentage of successful payments, rejection rate.

Business process analytics: a tool for continuous improvement. COREDO’s solutions include the implementation of BI platforms, automated dashboards and regular data analysis, which makes it possible to identify growth points and make informed management decisions.

Thus, comprehensive business process analytics creates a solid foundation for further assessment of the return on investment in digitalization.

Assessing the ROI of digitalizing banking processes

Assessing the ROI from digitalizing banking processes is a critically important step for strategic planning. Implementing CRM and BPM for banks, integrating AI and automating operations allow reducing costs, increasing profitability and improving the bank’s productivity.

Methods for assessing ROI include calculating time savings, reduction of operational costs, customer base growth and increased revenues from new services. COREDO’s practical cases show: integrating a BPM platform allowed one of our clients in Slovakia to increase operating margin by 18% by reducing loan application processing time and automating payment processing.

Scaling successful initiatives in international banks requires adapting solutions to local regulatory requirements, integrating with existing systems and continuous staff training.

Simplifying processes to increase bank productivity

A comprehensive approach to optimization and automation, based

sustainable development of the bank. COREDO’s practice confirms: only the integration of BPM platforms, CRM systems, automated banking systems and digital service channels makes it possible to achieve maximum efficiency.

The choice of suitable BPM systems and CRMs for banks depends on the scale of the business, the specifics of operations and regulatory requirements. The COREDO team recommends conducting a preliminary audit, testing solutions on pilot projects and integrating them in stages.

Managing digital transformation projects using agile and scrum is the key to flexibility and the speed of implementing innovations. Employee engagement, regular communication and training: the key to successful implementation of changes.

Control and standardization of processes are necessary to minimize uncontrolled and duplicated functions in banks. COREDO’s solutions include the implementation of automated control systems, regular process audits and the integration of BI analytics for monitoring efficiency.

Optimization of front-office and back-office operations is a strategic task that requires a systemic approach, the integration of digital technologies and continuous improvement.

Key findings and steps for entrepreneurs

Optimization and automation of banking processes are not a one-time initiative but a strategic path to increasing a bank’s productivity, reducing operating costs and creating a unique customer experience. Solutions developed at COREDO demonstrate: only a comprehensive approach, the integration of modern technologies, compliance with regulatory requirements and risk management ensure the sustainable development of a financial organization.

Modern banks in Europe, Asia and the CIS can start digital transformation today, implement BPM platforms, CRM systems, front- and back-office automation, integrate artificial intelligence and machine learning, standardize processes and monitor KPIs. COREDO’s practice shows: success comes to those who act systematically, rely on expert knowledge and choose a reliable partner to support changes.

If you are ready to take your bank to a new level of efficiency, start with a process audit, choose an optimization strategy and trust the professionals. The COREDO team is always ready to share experience, offer the best solutions and support your business at every stage of digital transformation.

85% of companies that have implemented the flywheel model report sustained revenue growth and reduced operating costs already in the first year of transformation, analysts at McKinsey and Forrester concluded in 2024. However, fewer than 20% of international legal and financial firms in the EU and Asia are able to implement the flywheel business model in a way that truly delivers stable financial results and long-term financial resilience for the company. Why? The problem lies not only in the complexity of legal entity registration processes, obtaining financial licenses, or complying with AML requirements, but also in the inability to build the flywheel around clear business goals and eliminate friction points at every stage of the customer journey.

Flywheel model — what is it and how does it work?

Unlike the linear sales funnel, where a customer moves from acquisition to purchase and falls out of the cycle, a flywheel business is built around continuous interaction with the customer, where retention and referrals become the key drivers of growth.

Flywheel mechanisms include removing friction points (friction points), automating support processes, integrating CRM and ERP systems, and continuously working with customer insights (customer insights). Even small efforts — for example, automating KYC procedures or implementing digital payment platforms — can trigger a chain reaction: Legal entity registration accelerates, churn rate decreases, customer retention rate increases, and therefore financial result stability improves.

Business goals and the role of the flywheel model

The link between business goals and financial stability and long-term investment profitability is obvious: only clearly defined goals make it possible to manage working capital, optimize costs, and build a flywheel that does not lose momentum even under conditions of high competition or changes in regulatory requirements.

To assess the effectiveness of a flywheel model, the key metrics become:

• Customer retention rate — the share of customers who continue cooperation year after year.
• Customer acquisition cost (CAC) — the cost of acquiring a new customer.
• Churn rate — the percentage of customers leaving the company over a given period.
• Flywheel model ROI: return on investments made in automation, process optimization and customer experience development.

Regular monitoring of these KPIs allows not only identifying friction points, but also timely implementing changes, supporting stable financial results and sustainable company growth.

Thus, building a sustainable flywheel requires not only clear goals and flexible processes, but also a thoughtful approach to operational support, which becomes especially significant in the legal field and when complying with AML requirements.

Flywheel mechanisms in legal support and AML

In international legal practice, the flywheel model stands out especially clearly when it comes to company registration, obtaining financial licenses and AML consulting. The specifics of the field, the high regulatory burden, the need for strict adherence to compliance procedures and constant risk management.

Integration of CRM and ERP systems, process automation of support and digital transformation of the business allow not only to increase operational efficiency, but also to create a scalable flywheel model capable of maintaining stable financial results even with a sharp increase in client volume or changes in regulatory requirements across different jurisdictions.

Thus, the implemented flywheel model becomes the foundation of sustainable development, and further analysis will show how it affects customer retention and contributes to business growth.

Impact of the flywheel on customer retention and business growth

Customer data analytics and sales funnel optimization allow identifying and eliminating friction points: for example, automating the company registration application process or obtaining a license reduces waiting time and lowers the likelihood of errors. This directly affects revenue growth and increased customer satisfaction.

Flywheel and revenue growth are closely linked through reduced operating costs and increased ARPU. At COREDO we integrated digital payment platforms and automated compliance tools, which not only sped up service delivery but also elevated the customer experience to a new level.

Implementing the flywheel for stable financial results

Flywheel for businesses in the EU and Asia: best practices

• Automating the flywheel for business growth: integrating digital tools, automating KYC/AML and document workflow, implementing digital payment platforms.
• Eliminating friction points: regular audits of the customer journey, optimizing communications, implementing omnichannel support services.
• Metrics to monitor: customer retention rate, CAC, churn rate, NOAT, ROIC, compliance rate.
• Working capital management: transparent planning and cash flow control, minimizing costs at each stage of the flywheel.

Examples of successful implementation

In one COREDO case for a fintech client in Singapore, a flywheel was implemented where automation of registration and AML support processes reduced the time to launch a new product from 3 months to 3 weeks, and the customer retention rate increased by 22% over a year. In another project for a company entering the EU market, implementing the flywheel and integrating CRM/ERP reduced CAC by 18% and delivered a 27% increase in revenue by improving customer loyalty and optimizing business processes.

These examples illustrate how integrating flywheel mechanisms and digital solutions can directly affect business efficiency and key growth metrics.

Let’s move on to the key takeaways and concrete steps for entrepreneurs.

Key takeaways and steps for entrepreneurs

The flywheel model, it’s not just moNot just a fashionable trend, but a strategic tool for achieving stable financial results, the company’s long-term financial resilience and ROI growth. Key insights:

• Setting business goals – the foundation for launching the flywheel, ensuring team alignment and process transparency.
• Optimization of business processes and the elimination of friction points: the key to accelerating the flywheel and increasing customer loyalty.
• Risk management and AML integration – a necessary condition for successful business scaling in international jurisdictions.
• Digital transformation and automation, drivers of operational efficiency and long-term ROI.
• Continuous monitoring of KPIs and agile methodologies, tools for adapting strategy and maintaining a competitive advantage.

In 2025 Europe demonstrates a surprising paradox: a region that accounts for less than 7% of the world’s population generates almost a quarter of global spending on R&D and holds leading positions in the Global Innovation Index. On the other hand, only 10% of European startups reach the scale-up stage, and the share of technology companies from Europe among the world’s “unicorns” still lags behind the US and Asia. Why is this happening? How can Europe’s technological ecosystem become a catalyst for large-scale business growth and competitiveness in the global market?

The adoption of innovations, the development of technology clusters and integration with digital platforms are becoming key success factors for European startups and corporations. But along with this, entrepreneurs face a range of challenges: complex regulation, barriers to scaling, AML and GDPR requirements, as well as strong competition for investment and talent.

In this article I share an expert perspective and practical recommendations based on the experience of the COREDO team in legal, financial and regulatory support of technology companies in the EU, Asia and the CIS. We will look at how to build an effective technology ecosystem for scale-up growth, which legal and investment aspects to consider, and which strategies actually work in today’s Europe.

The technological ecosystem of Europe – current state and drivers of development

The technological ecosystem of Europe is currently undergoing a phase of significant transformations, driven not only by the adoption of deep-tech solutions but also by comprehensive initiatives to support startups, talent and regional cooperation. The current state of the ecosystem and the key drivers of its development are creating new opportunities for market participants and setting directions for sustainable technological growth.

Main components of Europe’s technological ecosystem

European startups actively leverage the benefits of integration with venture funds and funds of funds (FoF), which allows them to attract financing not only at early stages, but also for scaling deep tech projects.

In recent years the COREDO team has implemented legal support projects for startups in clusters such as Berlin, Tallinn, London and Limassol. COREDO’s practice confirms: successful companies build business models at the intersection of technological innovation and flexible legal structures, which enables them to quickly adapt to market and regulator requirements.

Large corporations such as Airbus and Siemens invest in their own laboratories and startups, forming a stable environment for technological breakthroughs.

The role of the EU digital strategy and «Digital Europe 2025»

These initiatives aim to create a unified operating system EU OS, develop biometric border systems EES and implement a European data strategy.

The implementation of these programs creates unique opportunities for technology companies: EU state support for innovation is expressed not only in financing, but also in creating a favorable regulatory environment for large-scale business growth in Europe. Solutions developed at COREDO allow clients to effectively use state support tools and integrate into the European technological ecosystem.

The impact of the Global Innovation Index and Europe’s competitiveness

Europe consistently ranks high in the Global Innovation Index, ahead of most Asian and American competitors in terms of the development of innovation infrastructure, quality of education and investment volumes in technology. However, despite the high index, many companies face barriers to scaling and entering international markets.

This is precisely what distinguishes successful European startups and deep tech companies capable of attracting investment and executing large-scale projects.

State support for innovation in the EU

State support for innovation in the EU today is a key factor for the technological development of the region. Thanks to systemic government programs and large-scale funding, European startups and deep tech companies gain access to resources at the research, implementation and market entry stages. These mechanisms create conditions for the growth of global technology leaders and accelerate breakthrough innovations in the fields of artificial intelligence, medicine and sustainable development.

Government innovation support programs and their role in deep tech

State support for innovation in the EU is implemented through grants, tax incentives, acceleration programs and direct financing of R&D. Special attention is paid to deep tech projects in the areas of artificial intelligence, space, medicine and cybersecurity. The public sector becomes not only an investor, but also a major customer of technological solutions, which opens new opportunities for scaling.

The COREDO team supported clients in obtaining financing from European venture funds and government progra…, including Horizon Europe and the EIC Accelerator. Our experience shows: success in obtaining support depends on competent legal preparation and the compliance of project documentation with international standards.

EU technology regulation: challenges and opportunities

Technology regulation in the EU is characterized by a high degree of detail and constantly evolving requirements. This applies both to product certification and cross-border compliance. Certification and technology regulation issues in the EU are becoming one of the main barriers to scaling deep tech startups.

We recommend that technology companies integrate legal expertise at early stages of development to minimize costs and accelerate entry into new markets.

GDPR and AML for technology companies in Europe and Asia

GDPR and AML (Anti-Money Laundering) requirements significantly impact the business processes of technology companies. The implementation of GDPR has become a mandatory condition for all companies processing the personal data of EU citizens, which requires a review of IT infrastructure and legal procedures.

COREDO has implemented comprehensive projects to introduce AML policies and ensure GDPR compliance for technology companies in Europe and Asia. Our solutions include developing internal regulations, staff training, and integrating digital tools for transaction monitoring. This approach not only reduces legal risks but also increases trust from investors and clients.

Legal registration of companies in the EU and Asia for technology businesses

Company registration in the EU and Asia requires considering many nuances: from choosing the optimal jurisdiction to preparing constitutive documents and obtaining specialized licenses (crypto, fintech, payment, forex). In COREDO’s practice there have been cases where choosing the right jurisdiction (for example, Cyprus, Estonia or Singapore) significantly sped up business launch and reduced tax burden.

Special attention should be paid to KYC/AML issues, corporate law and disclosure requirements. For technology companies it is important to ensure transparency of ownership structure and compliance with international standards, which becomes critically important when attracting investments and entering foreign markets.

Investments and venture financing for business growth

Investments and venture financing for business growth are becoming a key tool for scaling companies and implementing innovations across industries. In a changing economic environment and with the emergence of new technological trends, approaches to venture financing are transforming, and the role of funds, including FoFs, acquires particular importance for sustainable business growth.

Venture financing trends in Europe and the role of FoF funds

Venture financing in Europe shows steady growth: in 2024 alone the volume of investments in deep tech projects exceeded €50 billion, and venture funds and FoFs are becoming key market players. The European model of venture financing emphasizes long-term partnerships and support for projects at all stages of development.

COREDO’s solutions enable technology companies to effectively structure deals with venture funds, taking into account the specifics of European corporate law and disclosure requirements. This approach increases the chances of successful capital raising and further scaling.

Institutional investors: insurance and pension funds in technology

Institutional investors, including insurance and pension funds, actively invest in technology companies, especially in the deep tech segment and digital platforms. Their participation provides not only financial stability but also access to strategic industry partners.

The COREDO team has supported projects on structuring investments from institutional investors, which requires special attention to compliance, risk management and protection of the interests of all parties to the deal.

Assessing ROI of digital technology implementation in business

Assessing ROI from implementing innovative technologies is a key indicator of the effectiveness of a company’s digital transformation. European companies use comprehensive metrics: cost savings, revenue growth, reduced time-to-market and increased customer satisfaction.

COREDO’s practice confirms: maximum ROI is achieved by integrating legal, financial and technological expertise at all stages of innovation implementation. This approach not only optimizes investments but also ensures sustainable business growth.

Barriers to startup scaling and exit strategies

Among the main barriers to scaling are complex regulation, talent shortages, market fragmentation and limited access to large investments. Exit strategies for European technology companies include IPOs, M&A deals and strategic alliances with international corporations.

COREDO’s experience shows that a successful market entry is possible only with a transparent corporate structure and compliance with all regulatory requirements.

Scaling technology companies and startups in Europe

Scaling technology companies and startups in Europe is associated with unique challenges and opportunities,

conditioned by the specifics of the local market, regulatory requirements, and investor expectations. To grow successfully in this region, businesses must consider not only market conditions but also the specifics of European regulation and infrastructure.

Scaling technology companies with regulatory considerations

Scaling technology companies in Europe requires a balance between innovation and compliance. Best practices include implementing flexible business models, integrating digital platforms, and building resilient partner networks.

The COREDO team has supported the scaling of startups in fintech, cybersecurity, and artificial intelligence, helping to build processes that account for cross-border regulation and AML/KYC requirements.

Cyprus and Southern Europe startup ecosystem in innovation

The startup ecosystem of Cyprus and Southern Europe is becoming an attraction point for technology companies thanks to a favorable tax regime, access to the European market, and active support from government programs.

COREDO’s projects implemented in Cyprus demonstrate that the right legal and financial structure enables leveraging the advantages of the European innovation ecosystem for rapid scaling and entry into new markets.

Innovative business models and digital transformation of the EU public sector

The digital transformation of the EU public sector opens new opportunities for technology companies: public tenders, contracts for the development of digital platforms, and the implementation of biometric and navigation systems. Innovative business models based on subscriptions, platform solutions, and SaaS are becoming the standard for European startups.

COREDO’s experience in supporting public sector projects confirms that integration with government programs requires special attention to legal details and compliance.

Risk management and compliance in Europe’s technology business

Best practices for risk management in the EU technology business include implementing internal control systems, regular audits, automating AML and GDPR processes, and staff training. COREDO’s solutions enable clients to minimize operational and legal risks, which is especially important when scaling and entering international markets.

Europe’s innovation ecosystem: development trends

Europe’s innovation ecosystem today is being shaped by long-term trends, where key drivers include deep tech, breakthrough space technologies, and new approaches to EU navigation. The development focus is on reassessing technological priorities, strengthening infrastructure, and active regulation that form the foundation for the next stage of growth of European high-tech industries.

Deep Tech, space technologies and EU navigation

Deep tech Europe is becoming a driver of development in strategic sectors: defense, space, and medicine. Space technologies and EU navigation systems, such as Galileo, open new markets for startups and corporations integrating AI and big data into their products.

COREDO has supported projects for the legal registration of companies in the EU for deep tech and space startups, which requires a deep understanding of international law and certification standards.

Secure communications and cybersecurity in Europe

Secure communications and cybersecurity are becoming priorities for European companies amid rising digital threats and tightening regulation. Implementing ISO standards, NIS2, and integration with EES biometric systems are mandatory elements of a strategy for technology businesses.

COREDO’s practice shows that timely implementation of cybersecurity increases trust from clients and investors and also facilitates certification processes.

Artificial intelligence and ecosystems in the digital future

artificial intelligence and open ecosystems are becoming the foundation of Europe’s digital transformation. The European data strategy and the development of platform solutions stimulate the creation of new business models and accelerate the adoption of innovations.

The COREDO team has implemented projects supporting the deployment of AI in the financial and medical sectors, which requires particular attention to ethics, data protection, and licensing issues.

International cooperation in defense and medicine

International technological cooperation is becoming a key factor for growth and scaling. Strategic sectors—defense, space, and medicine—require integration with global supply chains, compliance with export control standards, and cross-border compliance.

COREDO supports deals and partnerships involving European and Asian companies, ensuring legal clarity and protecting clients’ interests amid complex international regulation.

Recommendations for entrepreneurs and executives

Recommendations for entrepreneurs and executives will help look at business growth from the perspective of creating an effective technology ecosystem. In today’s conditions, only a properly built ecosystem can ensure sustainable development and a long-term competitive advantage for a company.

How to build a technology ecosystem for business growth?

• Choose jurisdictions with a developed innovation ecosystem and transparent regulation.
• Integrate legal, financial, and technological expertise at all stages of development.
• Use government support programs and venture financing instruments to accelerate growth.
• Implement digital platforms and risk management systems to increase efficiency.

Legal aspects of registering technology companies in the EU and Asia

• Prepare founding documents taking into account KYC/AML requirements and corporate law.
• Obtain necessary licenses (fintech, crypto, payments) at early stages.
• Ensure transparency of ownership structure and compliance with international disclosure standards.
• Use COREDO’s expertise to optimize registration and business support processes.

AML and GDPR compliance: key steps

• Develop internal regulations and train staff on AML and GDPR.
• Integrate digital tools for monitoring trtransactions and data protection.
• Conduct regular audits and update procedures in accordance with changes in legislation.
• Apply COREDO’s best practices to minimize legal risks and increase investor confidence.

Optimizing investments and risk management in tech businesses

• Assess the ROI from implementing innovative technologies using comprehensive metrics.
• Implement internal control systems and compliance automation.
• Use insurance and hedging instruments to protect against financial and operational risks.
• Apply COREDO’s strategic approach to managing investments and risks at all stages of scaling.

The technological ecosystem of Europe: key findings and prospects

Successful development and scaling of a technology business in Europe requires integration of innovations, state support, and strict legal compliance. Europe’s technological ecosystem provides unique opportunities for growth but requires a deep understanding of regulatory requirements, investment strategies, and risk management.

In the coming years, the key challenges will be tighter regulation, competition for talent, and the need for continuous investment in innovation. At the same time, for those ready to act strategically and leverage the opportunities of the European technological ecosystem, prospects open up for large-scale growth and leadership in the global market.

Board structure in private equity companies

Private equity investors require boards of directors not only to meet formal compliance but also to have functional flexibility. In international practice COREDO we see that the optimal board structure in private equity includes:

• Independent directors with experience in investments, M&A and risk management. Their role is not only oversight but also strategic mentorship.
• Professionals in corporate strategy and operational efficiency capable of implementing PE best practices into day-to-day management.
• Members with expertise in Due Diligence, compliance and financial reporting: especially important for companies entering new markets in the EU, the UK, Singapore or Dubai.

A solution developed by COREDO for one of its clients in the Czech Republic allowed the integration of two independent private equity experts and one representative of an institutional investor into the board of directors, which increased the transparency and quality of strategic decisions.

Interaction between the board of directors and management

In one of COREDO’s cases in Estonia, the introduction of monthly meetings with shareholders and investors not only increased process transparency but also accelerated decision-making on new investment projects.

Committees in PE boards: allocation of responsibilities

Boards of directors of public companies with private equity participation are distinguished by a developed system of committees:

• Audit and Risk Committee – key for compliance control and risk management in private equity.
• Strategic Committee: responsible for evaluating and executing M&A deals, monitoring the implementation of strategic plans.
• Corporate Culture and HR Committee, implements mentorship practices and the development of top management.

At COREDO we recommend forming committees with clearly defined KPI s and performance metrics, which allows not only controlling but also developing the business in a multi-stakeholder environment.

The role of the board of directors in managing private equity

The role of the board of directors in managing private equity becomes decisive for the successful implementation of the investment strategy and the protection of shareholders’ interests. It is through the board’s involvement that decisions on key areas are formed, from strategic choices to monitoring the effectiveness of investments, which makes private equity management more deliberate and transparent.

Corporate strategy and decisions on PE investments

Private equity investors demand high speed and quality of strategic planning from boards of directors. Our experience at COREDO has shown that implementing the OKR (Objectives and Key Results) methodology in the board’s strategic sessions not only increases the transparency of goals but also ensures their achievement within tight timelines.

In a COREDO case for a company in the United Kingdom, the board of directors with participation from a PE investor implemented a scaling strategy through a series of M&A deals, using due diligence and regular monitoring of ROI for each project.

Risk management and compliance in public companies with PE

risk management in private equity is not only financial control but also constant monitoring of regulatory changes. The COREDO team implemented an automated compliance system for a client in Singapore, which reduced the risk of AML breaches and increased trust from institutional investors.

The board of directors should regularly assess risks across key areas: financial, operational, legal and reputational. Implementing agile approaches to risk management enables rapid response to market changes and regulatory requirements.

Monitoring strategic plans and operational management

Monitoring KPIs and controlling the execution of strategic plans are among the key tasks of a board of directors with private equity participation. At COREDO we implement dashboard systems for tracking operational efficiency, which allows the board to make decisions based on up-to-date data.

In a COREDO case for a company in Dubai, the board of directors analyzed operational metrics quarterly, which made it possible to identify bottlenecks and promptly adjust the development strategy.

Effectiveness of boards of directors with private equity investments

The effectiveness of boards of directors with private equity investments becomes a key growth factor for companies raising capital at new stages of development. Active investor participation on the board enables a focus on value creation and operational management, which is critical for achieving maximum results and investment returns.

ROI metrics for boards of directors in PE companies

Assessing the effectiveness of the board of directors is a task that requires transparent and objective metrics. In COREDO’s international practice the following methods are used:

• ROI on strategic projects – analysis of return on investment for each line of activity.
• Assessment of board engagement, regular surveys and analysis of participation in strategic sessions.
• Comparing operational metrics before and after a PE investor’s entry reveals the board of directors’ real contribution to increasing the company’s value.

The table below shows key performance metrics:

Impact of private equity on culture and change management

Private equity changes not only financial processes but also corporate culture. At COREDO we observe that the arrival of PE investors requires companies to be open, ready for change, and to implement new governance standards.

In a COREDO case for a client in Slovakia, the board of directors initiated a mentorship program for top management, which increased engagement and accelerated adaptation to new market requirements.

Top-management mentoring through boards of directors

A board of directors with private equity involvement becomes a center for developing managerial competencies. At COREDO we recommend implementing mentorship programs, regular training sessions, and experience exchange between board members and top managers.

In one of COREDO’s projects in Estonia, the board organized a series of masterclasses on risk management and corporate strategy, which improved the quality of management decisions and accelerated business growth.

Managing conflicts of interest with shareholders

Managing conflicts of interest with shareholders requires transparent procedures and a balance of interests among all participants in corporate relations. A proper strategy for resolving such conflicts helps protect shareholders’ rights, increase trust, and stabilize the business.

Conflicts between majority and minority shareholders

Private equity investments often lead to a shift in the balance of interests within a company. The holder of the controlling stake may face resistance from minority shareholders. COREDO’s practice shows that transparent voting procedures, clear allocation of responsibilities, and regular communication to all shareholders reduce the level of conflicts.

In a COREDO case for a client in the EU, the board implemented an electronic voting system and regular reports on key decisions, which increased trust among shareholders.

The role of independent directors in conflicts and transparency

Independent directors are a key element in resolving conflicts and enhancing transparency. At COREDO we recommend appointing independent directors with experience in international companies and knowledge of the specifics of private equity.

In one of COREDO’s projects in the UK, an independent director acted as a mediator between the PE investor and minority shareholders, which prevented escalation of the conflict and preserved the stability of corporate governance.

Impact of regulations on the work of the board of directors

Boards of public companies with private equity face strict regulatory requirements: from compliance to transparency of financial reporting. COREDO’s solution — integrating automated control systems and conducting regular audits — enables the board of directors to respond in time to changes in legislation.

In a COREDO case for a client in Singapore, implementing automated monitoring of regulatory changes reduced the risk of fines and increased investor confidence.

Let’s move on to specific recommendations for boards of directors.

Recommendations for boards of public companies with private equity

Recommendations for boards of public companies with private equity are especially relevant when a company includes external investors as well as owners and top management. In such structures, it is important for the board to consider the interests of all parties and build flexible, adaptive interactions with shareholders and management to effectively respond to the business’s dynamic challenges.

Board management in private equity

• Form the board of directors taking into account competencies in private equity, M&A, compliance, and corporate strategy.
• Implement agile approaches in strategic planning and risk management.
• Organize regular strategic sessions involving all key stakeholders.

Onboarding and development of board members’ competencies

• Develop individual adaptation programs for new board members.
• Introduce training on private equity specifics, corporate governance, and compliance.
• Use mentorship and experience exchange between board members and top management.

Scaling and exit for companies with PE investments

• Assess ROI for each strategic project using transparent metrics.
• Implement scaling strategies through M&A, entering new markets and developing operational efficiency.
• Plan exit strategies for PE investors taking into account the interests of all shareholders and the company’s long-term value.

Key conclusions and practical steps

Boards of public companies with private equity participation become a center of strategic management, a growth driver, and a guarantor of transparency. COREDO’s experience confirms: implementing best PE practices, development towardsCompetencies of board members, effective management of conflicts of interest and regular performance monitoring allow companies not only to meet investors’ expectations but also to outperform the market.

Checklist of actions for boards of directors involving private equity:

• Conduct an audit of the competencies and structure of the board of directors.
• Implement agile approaches in strategic planning and risk management.
• Organize regular strategic sessions with PE investors.
• Appoint independent directors and develop mentorship programs.
• Introduce automated systems to monitor compliance and transparency.
• Evaluate the board’s effectiveness using transparent ROI metrics.

By implementing these steps, you will not only minimize risks but also create conditions for sustainable growth and long-term business value. The COREDO team is ready to support you at every stage of corporate governance transformation, offering solutions proven by international practice and adapted to the specifics of your business.

In 2025 the Swiss online marketplace market demonstrates dynamics capable of surprising even experienced analysts: according to Statista, the country’s e-commerce volume exceeded 15 billion CHF, and the average basket per shopper is one of the highest in Europe.

As the founder of COREDO, I face questions every day about how to launch a marketplace in the Swiss market, which technologies and business models will be relevant in 2025, and what truly works to increase ROI and customer trust. In this article I not only analyze trends but share practical strategies that the COREDO team implemented for clients from the EU, Asia and the CIS, helping them not only comply with strict requirements but also use them as a competitive advantage. If you want to understand how to manage risks, automate processes, implement AI and no-code solutions, and most importantly — build a sustainable and profitable e-commerce business in Switzerland, I recommend reading the article to the end. Here you will find not only answers but tools for real growth.

The Swiss online marketplaces market in 2025

The Swiss online marketplaces market is characterized by a high degree of maturity, yet still retains potential for further growth through digital transformation and the adoption of innovations. According to the latest McKinsey report, e-commerce growth rates in the country consistently exceed 7% per year, and the penetration of marketplace platforms in the Food & Drink, Apparel and Home & Garden segments continues to increase. A feature of the Swiss market is the high concentration of major players such as Galaxus, ImmoScout24 and AutoScout24 (Swiss Marketplace Group), as well as an emphasis on service quality and transaction security.

Unlike other countries in the DACH region, Switzerland demonstrates a more conservative approach to digital commerce: new business models are adopted more slowly here, but trust in platforms is higher and requirements for localization and compliance with standards are stricter. For example, in the Apparel segment there is growing demand for recommerce and sustainability, and in Food & Drink, for transparency of product origin and eco-friendly logistics. COREDO’s practice confirms: successful marketplaces in Switzerland build their strategy on deep integration with local payment systems, automation of catalog management and personalization of the user experience.

Analysis of consumer preferences and behavior

The Swiss consumer is characterized by high purchasing power, yet tends toward caution and careful analysis of offers. Research shows that the share of mobile payments in the e-commerce structure is rapidly growing: in 2025 more than 60% of marketplace transactions are made via mobile devices, and the popularity of digital wallets (for example, Twint) surpasses traditional bank cards. Payment localization becomes a key factor: marketplaces integrating local payment methods record conversion growth of up to 20% compared to those limited to international solutions.

The impact of mobile payments on buyer behavior is clear: the share of impulse purchases is growing, and requirements for transaction speed and security are becoming decisive when choosing a platform.

The impact of digital transformation on e-commerce

Digital transformation in Swiss e-commerce is manifested primarily in content automation and catalog management. A solution developed at COREDO for the Apparel segment automated product updates using AI algorithms, reducing operating costs by 30% and accelerating the market launch of new collections. The adoption of no-code platforms is becoming a standard for rapid marketplace scaling, especially when flexible adaptation to the requirements of different segments and locales is necessary.

AI and no-code solutions not only optimize marketplace catalog management, but also personalize offers, analyze buyer behavior in real time, and automate the processing of reviews and returns. COREDO’s practice shows: companies investing in digital commerce and e-commerce automation achieve higher operational efficiency and adapt more quickly to market changes.

Legal and tax aspects of marketplaces in Switzerland

Switzerland’s legal environment imposes special requirements on online marketplaces related to personal data protection, compliance with AML (Anti-Money Laundering) standards and strict tax regulation. For a successful launch and scaling of a platform it is necessary to consider not only national legislation but also EU norms, especially when it comes to cross-border trade.

Special attention should be paid to taxation issues: in 2025 Swiss regulators tightened control over the correctness of VAT calculation for foreign sellers, as well as for protransparency of financial flows on marketplaces. COREDO’s experience in supporting clients from the EU and Asia confirms: a competent tax structure and timely compliance with regulators’ requirements make it possible to avoid fines and account blocks, and also increase trust from banks and payment systems.

AML consulting becomes an integral part of comprehensive business support: marketplaces are required to implement KYC procedures (Know Your Customer), transaction monitoring and automated systems for detecting suspicious operations. Solutions developed by COREDO make it possible to integrate AML procedures into marketplace business processes without harming UX and service speed.

Risk management and transaction security

Buyers’ trust in marketplaces in Switzerland is largely determined by the level of transaction security and the transparency of personal data processing. Best practices in risk management include regular IT infrastructure audits, the implementation of multi-factor authentication, and the use of AI to detect fraudulent schemes in real time.

Innovation in e‑commerce is not only new payment methods, but also modern cybersecurity tools that comply with GDPR standards and Swiss legislation.

Technologies and automation of marketplaces 2025

technological progress determines the competitiveness of marketplaces: AI and automation are becoming key growth drivers. Product information management (PIM) with the help of artificial intelligence allows centralized control over content quality and relevance, and integration with ERP and CRM systems ensures end-to-end transparency of business processes.

No-code solutions open up opportunities for rapid prototyping of new features and scaling the platform without significant development costs. Implementing e-commerce automation becomes especially relevant for marketplaces operating in multiple segments and regions: such platforms adapt faster to changes in demand and local market requirements.

Automation of catalog and content management

Catalog management automation is one of the key growth factors for marketplaces in Switzerland. Using AI to process and update product listings not only speeds up the launch of new products but also minimizes errors and duplicate entries. The solution implemented by COREDO for one of the clients in the Home & Garden sector reduced the time to publish new products from 48 to 6 hours, and also improved the relevance of search results for users.

Best practices for managing online marketplaces include integrating PIM systems with ERP and CRM, which provides a single point of data control and speeds up approval processes. content automation for marketplaces becomes not only a tool for improving efficiency but also a factor in enhancing user experience (UX), which directly affects conversion and customer loyalty.

Scaling and development of marketplaces in Switzerland

Scaling a marketplace in Switzerland requires taking into account local specifics: here not only technological flexibility is important, but also a deep understanding of user needs, sustainable development standards and recommerce. In 2025, recommerce (trade in used goods) becomes one of the fastest-growing segments, especially in the Apparel and Home & Garden categories. Sustainable development of marketplaces is not just a trend but a strategic advantage that attracts new audiences and builds long-term loyalty.

ROI optimization requires the implementation of clear KPIs and regular performance analysis: successful marketplaces use comprehensive metrics, including GMV, conversion, average order value, return rates and order processing speed. COREDO’s experience shows: integrating analytics tools and regular audits of business processes help identify growth points and timely adjust development strategy.

Cross-border trade and logistics

Cross-border trade (cross-border e-commerce) opens up new opportunities for scaling but is associated with a number of risks: differences in tax regulation, return difficulties, and product certification requirements. The specifics of cross-border trade on Swiss marketplaces require careful logistics planning and integration with local and international partners.

Returns and logistics management becomes critically important: successful marketplaces implement automated parcel tracking systems, integration with local delivery services, and transparent return procedures. The solution developed by COREDO for one of the clients in the Food & Drink segment reduced the average return time from 7 to 3 days, which had a positive effect on customer satisfaction and repeat sales.

Practical recommendations for businesses and leaders

For the successful launch and development of a marketplace in Switzerland in 2025, I recommend following these steps:

• Study local market specifics and user preferences: adapting UX and localizing payment methods significantly increase conversion.
• Implement management automationIntegration with catalogs and content: this will speed up the rollout of new products and reduce operational costs.
• Use AI and no-code solutions to personalize offers and optimize business processes.
• Ensure compliance with legal and tax requirements: regular audits and support from COREDO experts minimize the risk of blocks and fines.
• Implement AML and KYC procedures to increase trust from banks and partners.
• Optimize logistics and returns management: integration with local delivery services and transparent return procedures increase customer loyalty.
• Regularly analyze key KPIs and adjust development strategy based on data.

Choosing a reliable partner for legal support, AML and banking services becomes a determining factor of success: COREDO’s experience shows that a comprehensive approach and a deep understanding of market specifics allow not only minimizing risks but also using them as a growth opportunity.

Online marketplaces in Switzerland: key findings and outlook

The Swiss online marketplace market in 2025 is a space of opportunities for those ready to invest in innovation, automation and sustainable development. Key trends — the growth of mobile payments, personalization, recommerce and the focus on security — are shaping new standards in e-commerce. Legal and tax aspects require a professional approach, and technological innovations are becoming drivers for scaling and increasing ROI.

My experience at COREDO confirms: success in the Swiss market is achieved not only through technology, but also thanks to comprehensive support, process transparency and a focus on user trust. Use these tools: and your marketplace will not only withstand competition but also become a benchmark for the industry.

Key marketplace metrics in 2025

In this article I will explain how the COREDO team helps businesses not only meet regulators’ requirements, but also extract maximum benefit from implementing RegTech: reducing costs, speeding up processes, minimizing risks and building trust with clients and partners. If you are looking for practical solutions for company registration, obtaining financial licenses, automating compliance and risk management, I recommend reading to the end. Here you will find not only strategic ideas but also proven practices that already work for our clients in the EU, Asia and the CIS.

What is RegTech and why does a business need it?

RegTech is not just a technological trend, but a business response to continuously increasing and changing regulatory requirements. Modern companies need to understand what exactly RegTech does and why they need it: these solutions help automate control, reduce costs and improve the manageability of business processes amid rising regulatory demands.

Below we will examine in detail the key components of RegTech systems to understand how they work in practice and what tasks they solve.

Key components of RegTech systems

At the core of RegTech are compliance technologies, corporate compliance management tools and solutions for regulatory adherence. The key components of modern RegTech systems include:

• Integration of KYC procedures and customer identity management (Identity and Access Management, IAM)
• Automation of AML processes and transaction monitoring
• Corporate compliance management and process standardization
• Data analytics for fraud detection and risk management

COREDO’s practice confirms: implementing RegTech not only ensures legal compliance but also increases transparency, simplifies company registration and speeds up counterparty checks.

History and drivers of RegTech development

The emergence of RegTech is linked to the tightening of regulatory requirements after the 2008 financial crisis. Massive fines for failure to comply with AML and KYC, increased demands for transparency and combating financial fraud forced companies to look for new approaches to compliance. The key drivers were:

• Growing volume and complexity of regulatory requirements (GDPR, MiFID II, PSD2)
• The need to automate compliance and reduce the human factor
• Increasing complexity of AML services and KYC procedures for international companies
• The emergence of new FinTech and RegTech startups offering innovative solutions

The COREDO team has implemented compliance automation projects for financial organizations in the Czech Republic, Estonia and Singapore, where AML requirements and KYC are particularly high. Our experience shows: only the integration of modern RegTech tools makes it possible to effectively manage risks and comply with international standards.

RegTech for reducing costs and improving compliance

Implementing RegTech allows companies not only to minimize the costs of regulatory compliance but also to increase ROI from compliance. Automation of regulatory reporting, real-time transaction monitoring and standardization of compliance processes reduce operational expenses by up to 50%.

RegTech technologies: modern solutions and innovations

RegTech technologies today are transforming the approach to regulatory compliance thanks to advanced solutions and innovations that automate routine processes and increase business transparency. In this area, special attention is paid to modern technological tools — from artificial intelligence to machine learning — which enable effective analysis and management of large datasets.

Artificial intelligence and machine learning in RegTech

Modern compliance technologies are built on artificial intelligence (AI) and machine learning (ML). These tools analyze large volumes of data, detect suspicious transactions, predict risks and automatically update rules in accordance with changes in legislation.

Machine learning in regulatory technologies not only speeds up AML and KYC processes, but also improves control quality, reduces the number of false positives and uncovers complex fraud schemes that are inaccessible to manual analysis.

The adoption of data analytics for fraud detection has become the standard for banks and fintech companies in Europe and Asia. In one of COREDO’s cases for a payment platform in the United Kingdom, we integrated an AI module that reduced transaction processing time by 40% and enabled the detection of new types of fraud.

Cloud platforms for regulatory support of companies

Cloud solutions for compliance provide scalability, accessibility and a high level of data protection. The use of cloud computing allows companiesquickly implement new RegTech tools, integrate them with corporate systems (ERP, CRM) and provide continuous real-time transaction monitoring.

COREDO’s experience has shown that moving to cloud RegTech solutions allows clients not only to reduce infrastructure costs but also to ensure compliance with cybersecurity and personal data protection requirements.

Thus, cloud technologies are becoming the foundation for integrating innovative compliance tools and further developing digital solutions.

Big data and blockchain for transparency and security

Big Data and blockchain in RegTech open up new opportunities for transaction monitoring, preventing financial fraud, and increasing transparency of business processes. Analytics based on big data makes it possible to detect anomalies, build customer behavioral profiles, and automate decision-making in real time.

Blockchain technologies provide a decentralized and immutable transaction ledger, which is critically important for audits and client identification. In COREDO projects supporting financial institutions in Estonia and Cyprus, we implemented blockchain modules to automate audit and KYC, which helped increase trust from regulators and partners.

RegTech in international business: AML, KYC, company registration

RegTech in international business today becomes the foundation for automating key processes such as AML (anti-money laundering), KYC (customer identification) and company registration. Using regulatory technologies allows companies to respond faster to changing legal requirements, minimize risks and effectively scale operations in global markets.

Automation of AML and KYC with RegTech

Modern AML services and KYC procedures require not only deep knowledge of legislation but also high data processing speed. RegTech allows automating the collection, verification and analysis of client data, reducing human factor and minimizing the risk of errors.

Anti-money laundering technologies and identity and access management (IAM) integrate with corporate systems, providing end-to-end control and transparency at all stages of client interaction.

Company registration and support with RegTech

Registration of legal entities in the EU, Asia and Africa is becoming increasingly complex due to rising requirements for transparency and beneficiary identification. Using RegTech allows automating document preparation, integrating legal aspects of registration with ERP and CRM systems, and providing full regulatory support for companies at all stages.

COREDO solutions were successfully applied in company registrations in the Czech Republic, Slovakia and Dubai, where compliance automation enabled clients to go through complex licensing procedures and open bank accounts without delays and additional checks.

International regulatory requirements: GDPR, MiFID II, PSD2

Complying with GDPR, MiFID II, PSD2 requires not only technical but also organizational changes. RegTech tools provide change management in legislation, standardization of compliance processes and automation of regulatory reporting preparation.

Risk management and security in RegTech

Effective risk management and security in RegTech become key tasks for financial institutions amid increasing digital threats and growing control requirements. Modern RegTech solutions use data analysis and automation to timely identify risks and prevent fraud, providing reliable protection of business processes.

How RegTech detects and prevents fraud

AML services based on data analytics and financial fraud prevention technologies make it possible to detect suspicious transactions in real time and prevent fraud attempts before they are carried out. Transaction monitoring, compliance automation and corporate compliance management become key tools to protect business from financial losses and reputational risks.

Security and confidentiality of client data

Client data management and confidentiality: critically important aspects for international companies. Cybersecurity in RegTech is ensured through the use of modern encryption methods, multi-factor authentication and automation of regulatory reporting.

COREDO solutions include tools to protect against data leaks and ensure compliance with international security standards.

Implementation and scaling of RegTech solutions

The implementation and scaling of RegTech solutions are becoming a key factor for organizations seeking to quickly and efficiently adapt to constantly changing regulatory requirements. Today RegTech is actively being adopted in various regions of the world, helping businesses automate compliance processes and minimize the risks associated with non-compliance.

RegTech implementation in Europe, Asia and Africa – best practices

Implementing RegTech in financial organizations requires a comprehensive approach: from business process analysis to integration with corporate systems and staff training. Scaling RegTech solutions for large companies is possible only with a clear strategy, process standardization and partnerships with experienced law firms.

The COREDO team has implemented projects for company registration in Asia and Africa, where the key success factor was close cooperation between RegTech providers, legal consultants and clients’ internal teams.

Effectiveness and ROI of RegTech implementation

Assessing the ROI of regulatory technology deployment includes analyzing reductions in operating costs, increased process speed and fewer fines. Metrics and KPIs for evaluating RegTech include transaction processing time, fraud detection rate, number of successfully completed KYC procedures and cost-effectiveness of regulatory compliance.

Integration and scaling challenges for RegTech

The main difficulties of RegTech implementation in international companies are related to integration with ERP and CRM systems, the need to adapt to different jurisdictions and managing changes in legislation. Scalability of RegTech solutions requires a flexible architecture, support for local standards and continuous functionality updates.

COREDO’s experience shows: successful scaling is possible only with a clear change management strategy and close collaboration among all participants in the process.

RegTech: trends and development prospects

RegTech: trends and development prospects: a key topic for the financial sector against the backdrop of strengthening regulatory requirements and the rapid growth of technological solutions. Today innovations in RegTech determine not only the effectiveness of law compliance, but also form companies’ competitive advantages, transforming approaches to risk management and operational processes.

Below we will consider how modern trends, including artificial intelligence and machine learning, influence the development of RegTech and open new prospects for the industry.

Impact of AI and machine learning on RegTech

Generative AI and machine learning in regulatory technologies are becoming the basis for automating compliance, risk forecasting and adapting to new threats. In the next 3–5 years, an increase in the adoption of AI solutions for big data analysis, automation of KYC and AML, as well as the development of self-tuning monitoring systems, is expected.

Development of cloud and blockchain technologies in RegTech

Cloud solutions for compliance and blockchain in RegTech provide not only data security and solution scalability, but also transparency of business processes. The adoption of decentralized platforms and automated auditing is becoming the standard for large international companies.

Expanding RegTech beyond the financial sector

Regulatory technologies in the banking sector have already proven their effectiveness, but today RegTech is actively being implemented in insurance, logistics, healthcare and corporate governance. Managing customer identification through RegTech is becoming an important tool for any business that works with large volumes of data and requires a high degree of trust.

Key conclusions and recommendations for business

• RegTech is a strategic tool for international business, allowing automation of compliance, cost reduction and increased operational transparency.
• Comprehensive regulatory support for companies at all stages: from legal entity registration to obtaining financial licenses, is possible only through the integration of modern RegTech solutions.
• AML services and KYC procedures should be automated to speed up processes and minimize risks.
• For successful RegTech implementation it is important to choose solutions that support cloud technologies, AI and integration with corporate systems.
• Effectiveness assessment should be based on clear metrics: processing speed, fraud detection rate, cost reduction and compliance with regulators’ requirements.
• The key to success: partnering with reliable RegTech providers and legal consultants experienced in international jurisdictions.

RegTech implementation: practical steps

1. Conduct an audit of current compliance processes and risks.
2. Define key automation requirements (AML, KYC, Company registration).
3. Choose cloud and AI solutions with scalability and integration capabilities.
4. Implement standardized processes and train staff.
5. Regularly analyze effectiveness and update solutions in accordance with legislative changes.

Comparison table of RegTech technologies

In conclusion, I would like to note: COREDO’s experience shows that competent RegTech implementation is not just about meeting requirements, but a path to sustainable growth, risk reduction and building trust in international markets.

Business in women’s sports: the state and prospects directly reflect a global shift in attitudes toward women’s competitions.

Against this backdrop it becomes especially important to consider the specifics of the development of women’s sports in key regions of the world.

Development of women’s sports in Europe, Asia and Africa

Women’s football in the sports business

The role of women in the sports business

The influence of female athletes on business and brand

The influence of female athletes on business and brand is becoming increasingly noticeable in the modern industry, where successful contracts, media presence and athletes’ personal image can not only increase recognition but also change the strategy of major companies.

The influence of female athletes on the development of sports brands

Partnerships with women’s sports teams and athletes

Sponsorship and ROI in women’s sports: investment efficiency

Marketing and commercialization of women’s sports

Marketing and commercialization of women’s sports are becoming increasingly relevant as interest in women’s sports grows and their potential to attract new audiences, partners, and sponsors increases.

Marketing strategies for women’s sports teams

Digital platforms and social networks for engaging fans

AI and technologies in women’s sports

Legal support and risk management in the women’s sports business

Legal support and risk management in the women’s sports business are becoming strategically important elements for the sustainable development of companies and clubs operating in international markets.

Legal registration of sports companies in the EU and Asia

AML and risk management in the sports business

International sports law and licensing

Scaling business in women’s sports

Scaling a business in women’s sports requires not only passion but also a clear understanding of growth mechanisms.

Business-modlegal and finance for growth and scaling

Women in the development of sports franchises and startups

Implementing ESG in women’s sports business

Key findings and recommendations for businesses

• Business in women’s sports: it’s not only new markets but also unique challenges: differences in legislation, the need to comply with AML and licensing requirements, rapid technological changes.
• For successful investment in women’s sports, it’s important to build partnerships with talented female athletes, use flexible business models, and integrate innovative technologies.
• legal support for business in sports should include comprehensive audit, selection of the optimal jurisdiction, deal support and the implementation of risk management systems.
• In women’s sports marketing, authenticity in communication, use of digital platforms, and active audience engagement are key factors.
• For scaling and sustainable development of business in women’s sports, it is critical to integrate ESG principles, use modern financial instruments and build long-term partnerships.

Agentic AI in retail and SME banking is a new stage in the development of digital solutions, when artificial intelligence not only helps perform individual tasks, but also makes decisions and acts autonomously to achieve business goals.

Definition of Agentic AI and its key features

Differences between Agentic AI and machine learning with RPA

Technologies in the banking sector 2025 – Agentic AI

Transformation of retail and SME banking with Agentic AI

The transformation of retail and SME banking with Agentic AI begins a new era where autonomous AI agents not only optimize internal processes but fundamentally change the approach to servicing customers and small businesses. Thanks to the ability to make decisions independently and learn from every interaction, Agentic AI becomes the foundation for more personalized, proactive banking services that distinguish retail and SME solutions in a competitive environment.

Improving customer experience and personalization of services

Agentic AI radically changes the approach to customer interactions: now a bank can offer personalized financial products, respond instantly to requests and forecast the needs of SME clients. Through deep analysis of behavior and transactions, AI for small and medium businesses creates individualized offers, increasing loyalty and reducing customer churn.

Automation of KYC and AML procedures for security

The automation of KYC and AML is a key driver of Agentic AI adoption in banks across Europe and Asia. Modern platforms are capable of collecting, analyzing and verifying client data in real time, detecting suspicious operations and generating reports for regulators. Agentic AI for combating fraud uses predictive analytics and machine learning to identify complex money laundering schemes and prevent financial crimes.

Optimization of scoring and SME lending

Agentic AI transforms SME lending processes by automating credit scoring, analyzing non-trivial data sources (for example, behavioral and industry indicators), as well as dynamically reviewing limits and lending terms. As a result, banks can make decisions faster and more accurately, reducing default rates and expanding access to financing for small and medium-sized businesses.

Transaction monitoring and prevention of financial crimes

The use of autonomous AI for transaction monitoring provides round-the-clockreal-time monitoring of operations, instant detection of suspicious schemes and automatic escalation of incidents. Examples of using Agentic AI to prevent financial crime include the implementation of multi-layered filters, self-learning models and integration with global sanctions databases.

Agentic AI in banks: business effects and benefits

Agentic AI in banks is a new stage in the development of autonomous intelligent systems capable of making decisions and performing complex operations without constant human intervention. Today, such technologies offer banks unique business effects and benefits: from cost optimization to increased team productivity and the implementation of more accurate risk management models.

Improving efficiency and reducing costs

The impact of Agentic AI on banks’ operational efficiency manifests in the automation of routine processes, reduction of application processing times, lower compliance costs and a reduced human factor in critical operations. As COREDO’s practice shows, the implementation of autonomous AI agents allows banks to reallocate resources to the development of new services rather than manual data processing.

Scaling AI in finance and ROI of implementation

Scaling AI in the financial sector requires flexible architecture and competent change management. The ROI from implementing Agentic AI is calculated based on reductions in operating expenses, revenue growth from new services and improved customer satisfaction. In one of COREDO’s projects for a bank in Asia, the return on investment in Agentic AI was 220% in 18 months due to reduced AML costs and an increased number of SME clients.

Risk management and compliance with Agentic AI

Agentic AI integrates into banks’ compliance systems to automate monitoring, reporting and risk management. This allows not only compliance with international standards (for example, AMLD in the EU or MAS in Singapore), but also proactive identification of new threats. The solution developed by COREDO for a bank in the United Kingdom enabled a shift from reactive to proactive risk management, reducing the number of incidents by 35%.

Risks of integrating Agentic AI into retail and SME banking

The risks of integrating Agentic AI into retail and SME banking require special attention to how the new autonomous systems interact with existing technological and organizational processes. Despite significant potential to improve efficiency and reduce operating costs, the implementation of agentic AI often faces a number of challenges, especially when working with outdated IT infrastructure and complex internal bank processes.

Integration issues with legacy systems: technical and organizational

Integrating Agentic AI with banks’ legacy systems is one of the main technological challenges. Old platforms often do not support modern APIs, have limitations in processing large volumes of data and do not provide the required level of security. In COREDO’s practice for a bank in the Czech Republic, a phased migration was implemented: through middleware solutions and cloud services it was possible to ensure seamless operation of the new AI agents with the existing infrastructure.

Regulatory requirements and compliance in Europe and Asia

How to ensure Agentic AI meets regulators’ requirements in the EU and Asia? It is important to consider the specifics of national and international standards such as GDPR, AMLD, PSD2, MAS Guidelines. The COREDO team supports projects at all stages, including legal expertise, AI model audits and the preparation of documentation for regulators. This approach minimizes the risk of fines and accelerates the approval of new services.

Ethical and systemic risks of AI agents

Agentic AI brings not only technological but also ethical challenges: transparency of decision-making, prevention of discrimination, personal data protection. Systemic and algorithmic risks require the implementation of explainable AI mechanisms, regular model audits and access control to data. At COREDO we recommend integrating ethical principles and risk assessment procedures at early stages of Agentic AI deployment.

Agentic AI in international banks: best cases and practices

Agentic AI in international banks today sets a new standard for efficiency, autonomy and personalization of banking services, from improving customer service quality to automating key processes and minimizing risks. The best cases and practices demonstrate how the implementation of such solutions not only optimizes operational activities but also opens new opportunities for retail and SME banking.

Transformation of retail and SME banking with Agentic AI

Scaling and change management when implementing AI

Scaling AI solutions requires a clear change management strategy: staff training, phased integration, testing on pilot segments, and continuous performance monitoring. COREDO’s practice has shown that successful projects are built on close collaboration between IT, legal, and business teams, as well as on deploying flexible Agentic AI platforms capable of adapting to the requirements of different jurisdictions.

Practical tips for entrepreneurs and executives

Practical tips for entrepreneurs and executives are especially relevant in the context of modern banking technologies. Today Agentic AI opens new opportunities for automation, risk reduction, and improving customer experience, making businesses more competitive. Below are the key steps to prepare a business for successful work with banks in the era of Agentic AI.

How to prepare a business for banks with Agentic AI?

AI for small and medium-sized businesses opens new opportunities for quick access to financing, personalized products, and automated services. I recommend preparing corporate processes for digital transformation in advance: ensure transparency of the corporate structure, prepare high-quality KYC/AML documentation, and implement internal data governance procedures.

How to choose a banking partner with Agentic AI

Banking technologies in 2025 require partners to be not only innovative but also compliant with regulatory and ethical standards. When choosing a bank, pay attention to the maturity of Agentic AI platforms, experience in your industry, and the presence of transparent compliance procedures. The COREDO team recommends conducting independent audits of AI platforms and assessing their integration with your business processes.

AML in AI-banking: how to minimize risks

Automating KYC and AML is key to reducing risks and accelerating operations. It is important to regularly update internal policies, train staff, and use solutions certified to international standards. COREDO’s practice shows that integrating Agentic AI with systems for combating financial crime not only helps meet regulator requirements but also protects the business from new threats.

Key takeaways and steps for action

Agentic AI is becoming a strategic tool for transforming retail and SME banking, providing new levels of efficiency, security, and personalization. Nevertheless, implementation success depends on proper integration with legacy systems, adherence to regulatory and ethical standards, and the business’s readiness for change.

I recommend:

• Building Agentic AI implementation on a clear change management strategy and phased integration.
• Choosing partners with proven AI expertise and experience operating in your jurisdiction.
• Implementing metrics to assess effectiveness (cost reduction, revenue growth, risk reduction, ROI from Agentic AI implementation).
• Continuously improving AML/KYC procedures and auditing AI models for transparency and compliance with standards.

COREDO’s experience confirms: only a comprehensive and strategic approach to implementing Agentic AI enables not only meeting market requirements but also outperforming competitors, creating a resilient and innovative business amid digital transformation.

By 2025, nearly 80% of international companies in Europe and Asia already use elements of artificial intelligence in human resource management, and every third organization integrates AI into key HR processes.

In practice, the COREDO team has repeatedly encountered that implementing artificial intelligence in HR requires not only technological investments but also a systemic transformation of approaches to staff development, performance evaluation and the formation of corporate culture.

If you are looking for practical guidance and strategic ideas for developing employees in the age of computer technologies, I recommend reading to the end. Here you will find not only the latest trends but also proven solutions that the COREDO team has implemented for clients in different jurisdictions.

Employee AI Development for Business

In 2025, employee AI development became a key driver of competitiveness for companies operating in Europe, Asia and the CIS. According to a Gartner study, over 70% of international organizations already use artificial intelligence in HR to automate routine tasks, increase productivity and digitize HR processes.

Trends shaping AI development in HR:

• HR automation: AI takes on recruitment, resume screening, competency assessment and even conducting initial interviews.
• Digitization of HR processes: Implementing digital HR platforms with AI analytics enables companies to respond quickly to labor market changes, manage talent and build personalized career trajectories.
• Next-level HR analytics: Neural networks and machine learning analyze employee Big Data, identify hidden patterns, and predict risks of burnout and turnover.

AI technologies in HR: machine learning and generative AI

Over the past two years, machine learning and large language models (LLMs) have played a key role in HR transformation. These technologies make it possible to automate competency assessment, reveal employee potential and form optimal teams.

Corporate training with AI reaches a new level thanks to generative artificial intelligence. The solution developed by COREDO for one of its clients in Singapore included the implementation of AI-mentorship: virtual assistants analyzed training results, suggested individual development trajectories and responded instantly to employees’ questions.

Chatbots and virtual assistants in digital HR platforms provide round-the-clock employee support, automate responses to standard requests and help onboard new team members. This approach is especially effective for international companies with distributed offices.

Gamification in training and digital AI-powered employee development tools make the upskilling process interactive and motivating, as evidenced by rising employee satisfaction indices.

HR automation with AI in personnel management

Automating HR processes with AI allows significant acceleration of recruitment and employee assessment. For example, COREDO’s practice showed that implementing AI solutions to automate recruitment in a European fintech company reduced time-to-hire by 40%, and the quality of candidates improved due to objective competency assessments.

Digital HR platforms with AI provide talent management at all stages: from hiring to building individual career trajectories. Personalization of the employee experience becomes the standard: AI analyzes data on performance, training and engagement, offering personalized recommendations.

AI for productivity improvement: In one of COREDO’s cases in the Czech Republic, implementing AI analytics made it possible to identify hidden causes of productivity decline and propose solutions to prevent burnout (burnout prevention). Employee satisfaction indices rose by 15% in the first quarter after implementation.

Implementing AI in employee development and HR

Implementing artificial intelligence in employees’ work requires a systematic approach and phased implementation. COREDO’s experience shows: success depends not only on the choice of technologies but also on the company’s readiness for change.

Key stages of AI implementation:

1. Business process analysis and goal setting: It is important to clearly understand which HR tasks should be automated and which performance metrics will be used.
2. Selection and integration of AI tools: At this stage the COREDO team helps to select optimal digital HR platforms, taking into account the specifics of the jurisdiction and industry.
3. Training employees in AI competencies: Without developing new skills among staff, even the most advanced solutions will not yield the desired effect.
4. Piloting and scaling: Launching pilot projects makes it possible to minimize risks and adapt AI solutions to the real needs of the business.
5. ROI assessment and continuous optimization: It is important to regularly analyze performance metrics and adjust the strategy.

Best practices for using AI in HR processes include:

• Building AI-solution pipelinestaking into account GDPR and AML compliance.
• Implementation of HR analytics to assess employee performance and manage talent.
• Use of digital tools for corporate training with AI and gamification.

Thus, a systematic approach and proper organization of implementation stages make it possible to fully unlock the potential of AI in HR. Next, we will look at how modern AI tools help increase the objectivity and effectiveness of employee evaluation.

Evaluating employee performance with AI

AI tools enable objective assessment of employee productivity and competencies using comprehensive KPIs and HR analytics.

Key metrics:

• Employee satisfaction indices (Employee Satisfaction Index)
• Engagement and turnover indicators
• Speed of onboarding for new employees
• ROI from AI investments in HR
• Employee performance metrics (Performance Metrics)

In COREDO practice, digital tools integrated with corporate HR platforms are used to assess staff effectiveness. For example, AI analytics makes it possible to identify areas for development, predict career trajectories and offer individual training plans.

Managing remote teams with AI

AI is becoming an indispensable tool for managing remote and hybrid teams. Implementing digital HR platforms with AI analytics allows tracking productivity, engagement and preventing burnout among employees working outside the office.

Solutions developed at COREDO include:

• Using AI to monitor productivity and automate feedback
• Implementing corporate training with AI to develop skills in distributed teams
• Applying AI analytics to identify risks of burnout and decreased motivation

COREDO’s practice shows: implementing multi-level control systems and regular audits of AI solutions helps minimize these risks.

The impact of AI on corporate culture and talent development

AI not only optimizes processes but also changes corporate culture, increasing engagement and openness to innovation. A new culture of collaboration between people and algorithms is forming in international companies in Europe and Asia.

The role of AI in shaping corporate culture:

• Increasing transparency of decision-making
• Personalization of career trajectories and talent development using AI
• Introducing AI competencies as a mandatory element of corporate training

New jobs and competencies: With the increased adoption of AI in HR, new roles are emerging — prompt engineers, AI trainers, specialists in HR analytics and digital platforms. COREDO’s solution for a client in the UK included the development of a training program for employees to work with generative AI and large language models.

Thus, AI is becoming a key driver of change and opens new opportunities for corporate training, which we will examine in detail in the next section.

Corporate training with AI: tools and practice

Modern digital tools for employee training with AI include gamification, virtual mentors and chatbots integrated into HR platforms. This approach provides personalization of learning and accelerates the development of required competencies.

Best practices for integrating AI mentoring:

• Using chatbots for onboarding new employees and providing 24/7 support
• Implementing digital learning platforms with gamification elements and individual feedback
• Analyzing training effectiveness using AI analytics and adjusting development programs

Recommendations and conclusions for entrepreneurs and leaders

How to start implementing AI for employee development in an international company:

• Audit current HR processes and identify areas for automation
• Define key performance metrics and objectives for AI implementation
• Choose reliable digital HR platforms with AI functionality, taking into account local legal requirements
• Organize employee training on AI competencies
• Launch pilot projects and scale successful solutions

How to minimize risks and increase ROI from AI investments in HR:

• Implement multi-level control systems and regular audits of AI solutions
• Ensure algorithmic transparency and protection of employee data
• Use HR analytics for continuous process optimization

Recommendations for choosing AI tools and building an AI strategy:

• Focus on solutions that support integration with existing business processes
• Consider industry specifics and jurisdiction
• Implement digital tools for employee training and development with AI

Checklist for successful digital HR transformation:

• HR process audit
• Defining goals and metrics
• Selecting AI platforms
• Employee training
• Launching pilot projects
• Evaluating ROI and scaling

Article conclusion for SEO

The development of AI employees in the era of computer technologies: it’s not just the implementation of new tools, but a comprehensive transformation of approaches to personnel management, corporate training and talent development. COREDO’s international experience confirms: companies investing in the digitization of HR p

Processes and the development of AI competencies gain a sustainable competitive advantage in the global market.

In conditions of rapid change and increasing demands for business flexibility, only a systematic approach and continuous employee training in working with AI make it possible not just to adapt, but to outperform competitors. Digital transformation of HR is the key to long-term success and the development of your business in Europe, Asia and the CIS.

If you are ready to take the next step toward developing employees’ AI capabilities and building an effective HR strategy, the COREDO team is always ready to share expertise and practical solutions for your business.