Meet our Team

We are a team of doers and achievers, and we have been working in the field of financial services for decades.

We have experience in several areas, starting from traditional banking before the advent of internet banking to cryptocurrency exchanges and neo-banks.

Michael Kramer

Michael is a mergers and acquisitions specialist in banking and financial services. He is competent in the implementation of EU banking and financial institutions licenses and operations. He has been an entrepreneur in the fintech and banking sector for over 20 years. Michael’s expertise lies in the implementation of innovative ideas in the areas of technology, payment transactions, and banking within the context of compliance and regulatory supervision.

2007 World Economic Forum Technology Pioneer Award

2006 RedHerring Europe 100 Leading Companies

LinkedIn LinkedIn
Nathalie Bezzina Nautiyal

Nathalie has 25 years of experience in the banking and financial industry. She is proficient in implementing core systems, managing user acceptance testing of systems and implementations, and fulfilling the needs of clients while ensuring regulatory requirements are met within the operational process flows. Natalie’s capabilities extend to the areas of traditional retail banking and e-money, payments, card issuing, and crypto custody.

LinkedIn LinkedIn
Marina Zaremba- Rabinovica

Marina has a notable background of 15 years’ worth of multi-jurisdictional experience in efficient money-laundering and financial crime prevention for financial institutions, having essentially worked in most areas of payments, card processing, investments, risk, governance, and compliance.

LinkedIn LinkedIn
About Us

The demand for the implementation of EU banking and financial institutions licenses and operations keeps growing in today’s financial world.

The market, together with legislation and regulatory regimes, is not static. The jurisdictions which previously provided optimal conditions for new entries may no longer appear as attractive. Consequently, new geographic locations take advantage of this situation by presenting lucrative offers to investors. Furthermore, in several instances, technology remains one step ahead of financial regulations, particularly in assessing risk and detecting fraud.

This motivates our company to constantly monitor the financial market and technological developments to provide you with increased security and reliable assistance.

Discover Our Team

Our Story


Implementation of a Malta based credit institution (MFSA) having Dutch and German investors for the card issuing and payment services and across EU.


Concept for Bank Branch in Switzerland with FINMA for a credit institution based in Malta.


Sole M&A advisor of a Swiss entity, in their sale of one of their companies to a UK Hedge Fund.  Managed owner control process with BAFIN and SSM ( Single Supervisory Mechanism of ECB ).


Sole advisor in the sale of a German payment gateway company to a German Gaming Group with further implementation of a Payment Institution license in Malta with MFSA.


Successful upgrade of the Payment Institution license to an Electronic Money Institution License in Malta and further development of the Group’s acquiring and payment activities.


Implementation of a Malta based EMI (MFSA) operating in the acquiring and issuing space.


Successful completion of an Owner Control process of a Nasdaq listed company with FINMA, as part of the process in the acquisition of a Swiss based company.


Sole M&A advisor in the sale of a bank in Switzerland to a Nasdaq listed company.


Implementation of a Blockchain analytics Hedge Fund. (BAFIN licensed in 2020), divested in December 2020.


Implementation of a Germany licensed company for custody of digital assets with BaFin.


Implementation of a Securities Trading Bank License with BaFin for Trading in Digital Assets in Germany.


Implementation of few Electronic Money Institution License in Lithuania, for companies in the card issuing space, payments and acquiring business.

More to follow…..