Just launched: “SPI or API? What Every Fintech Needs to Know Before Launching in Poland”
Planning to offer payment services in Poland? One of your first - and most defining - decisions will be choosing between a Small Payment Institution (SPI) and an Authorised Payment Institution (API) license.
In this sharp and insightful video, Piotr Putyra, Managing Partner at Dudkowiak & Putyra, walks fintech leaders through the key regulatory and strategic differences. With over a decade of experience advising banks, investors, and high-growth startups on EU payment licensing, he distills complex regulatory frameworks into clear, practical guidance.
In under 5 minutes, discover:
Which license best aligns with your business model and growth plans
Why SPI is ideal for early-stage fintechs looking for speed and simplicity
When API becomes the smarter route for cross-border scaling and open banking
Key contrasts in scope, limitations, equity requirements, and timelines
How to upgrade from SPI to API - or position for acquisition
With over 70 payment licenses secured - including half of all API authorisations in Poland in 2024 - Dudkowiak & Putyra delivers a proven pathway through Poland’s fintech regulatory landscape.
Watch the video now at our youtube account or contact info@dudkowiak.com for tailored licensing support.
📘 Want to learn more about fintech in Poland?
Explore our comprehensive guide – available in three languages:
English: dudkowiak.com/fintech-in-poland
Polish: dudkowiak.pl/fintech