Arjun Lakhani

Arjun Lakhani is a payments and fintech regulatory adviser with deep experience supporting banks, payment systems, fintechs, and other financial institutions on UK and EU financial services regulation. He specialises in payments, e-money, and fintech issues, including PSD2, the E-Money Directive, AML rules, and the Interchange Fee Regulation. Arjun advises on authorisations, regulatory structuring, safeguarding, outsourcing, operational resilience, and engagement with regulators such as the FCA, the Bank of England, and the Payment Systems Regulator. He has guided clients through major regulatory change projects, including MiFID II, SMCR, Brexit, PSD2, and the FCA’s Consumer Duty, and supports the regulatory aspects of M&A and strategic transactions. His broader practice spans governance and accountability, financial crime compliance, cryptoasset regulation, buy-now-pay-later, and emerging technologies such as AI. Secondments at a card-based payment system and an e-money institution give him practical insight into how payments and fintech businesses operate and how regulatory expectations apply day-to-day.