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Emma receives FCA approval under the Payment Services Regulations 2017

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Emma receives FCA approval under the Payment Services Regulations 2017
Profile image of blog author: Edoardo Moreni

Edoardo Moreni

January 12, 2018 1 min read

January, 2018 – London-based Emma Technologies LTD has been approved and registered with the Financial Conduct Authority under the Payment Services Regulations 2017 for the provision of payment services. The company reference number is 794952. After successfully launching a closed beta in early December, the company can now fully operate under the new PSD2 scheme enacted in the UK on the 13th of January.

Emma is currently building the banking app for millennials (iOS and Android), a mobile only solution that helps consumers avoid overdrafts, find and cancel subscriptions, track debt and save money. The product aims at providing a consumer focused banking experience, with the only aim to improve the financial situation of its users.

In the past years, managing money has become extremely difficult. People tend to have multiple accounts, several contracts, different credit cards and the challenges of having everything under control keep growing. Emma wants to put an end to this.  Money management should be easy and straightforward. Consumers should be able to access all the information regarding their personal finance from the push of a button.

Emma is here to solve this problem and try to give customers a different banking experience, which puts them first, not their money or background. The company believes anyone should have an advocate that is able to help in the daily life, no matter who they are and where they come from.

Antonio Marino

“We started developing Emma on a mission to improve people's financial well being. We are thrilled to announce the FCA has given us full permission to achieve our goal. Further, we are happy to share we are currently working to integrate a series of challenger banks and savings solutions to further extend our offering.” – Antonio Marino, CTO and Co-founder of Emma Technologies LTD.

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© 2025 Emma Technologies Ltd. All Rights Reserved.

Emma is registered and incorporated in England and Wales.

Emma Technologies Ltd is an appointed representative of RiskSave Technologies Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 775330).

Payment services (Non MIFID or Deposit related products) for Emma Technologies Ltd are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199). For more detail on how your money is protected please see here. You can also find Currency Cloud's Terms of Use here.

Emma Technologies Ltd is an Introducer Appointed Representative of Quint Group Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 669450). Emma Technologies Ltd is not a lender. Emma Technologies Ltd introduces customers to Monevo Limited who is a licensed credit broker.

Emma is registered with the Financial Conduct Authority under the Payment Services Regulations 2017 for the provision of payment services.

Financial Conduct Authority Reg Nr: 794952.
Company Registration Number: 10578464.
Data Protection Registration Number: ZA241546.

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