CEE · FINANCIAL TECHNOLOGIES EXPERTSCEE · FINTECH EXPERTS

Finance industry
advisory and delivery.

We work with fintechs and banks on the parts that stall – payments, compliance, security, and the finance function. We stay until it's through.

Talk to an Expert
Fintech

We see fintech projects through from start to finish — licensing, build, delivery and everything regulators ask for along the way.

Licensing · AML · DORA
Industries

Every client here
answers to a regulator.

The rules are stricter and the consequences are longer-lasting. We've spent enough time inside these institutions to understand what that actually looks like.

Banks

We've spent enough time inside banks to know where generic advice falls short. Our work is specific and detailed because we've done it before.

Core Banking · Payments · Cards
References

Our clients operate
in regulated markets.
They can't afford mistakes.

Companies that came to us when the stakes were high. Several of them have been working with us for years.

Faces behind the work

We've sat on both sides
of the table.

Built payment products, navigated licensing, and run compliance programs from the inside. Now helping others do the same.

Marián Vandas

Founder · Security & Compliance

Václav Malý

Founder · Finance & Funding

Petr Macalík

Founder · Architecture & Delivery

Viktor Gřešek

Founder · Payments & Cards

Marián Vandas
Marián Vandas
Founder · Security & Compliance
Václav Malý
Václav Malý
Founder · Finance & Funding
Petr Macalík
Petr Macalík
Founder · Architecture & Delivery
Viktor Gřešek
Viktor Gřešek
Founder · Payments & Cards
When to reach out

You may need us if…

01

You're launching a payment product and keep running into scheme requirements you didn't know existed.

Card networks, SEPA, SWIFT, CERTIS — each has its own rules, timelines, and paperwork. We've been through enough of them to know what actually matters.

02

You want to issue cards but BIN sponsorship, processor selection, and scheme membership feel like a full-time job.

They are, for a while. We've built card programmes from scratch — issuing and acquiring, Visa and Mastercard, EMI and PI — and know which decisions are hard to undo.

03

A bank or enterprise partner is asking for compliance documentation you don't have.

AML policies, KYC procedures, transaction monitoring frameworks. It needs to exist and hold up under scrutiny. We've built this before.

04

A client or regulator is asking for PCI DSS or DORA compliance evidence and you're not sure what you actually have.

DORA, NIS2, ISO 27001 — the requirements are real and the timelines are tighter than they look. We've been through enough audits to know what examiners actually focus on.

05

You need financial leadership but can't justify a full-time CFO yet.

Investors want reporting. The board wants dynamic business cases and projections. You need someone to handle auditors and automate operations — just not on full-time C-level overhead.

If any of these sound familiar, let's talk →
What We Do

Rare to find all four
in one team. That's the point.

Most fintechs work with four different firms for these four areas.
We cover all of them — one team that sees the whole picture.

Payments & Cards

Card Issuing Card Acquiring Core Banking Systems
Tokenisation & Wallets CERTIS

Security

DORA NIS2 ISO 27001
Security Audits Security Awareness

Risk & Compliance

AML KYC / CDD Risk Management
Regulatory Readiness Licensing (EMI/PI, MiCA)

Finance

CFO as a Service Financial Planning and Analysis Automation & BI Fundraising Preparation
Get in touch

We respond within one business day.

Tell us about your challenge. We'll get back to you with an initial assessment and a suggested next step – no commitment required.

Office
Palackého 715/15, Prague 1
Czech Republic
Company
Five Crafts s.r.o.  ·  Reg. No.: 17820430

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