Fintech
Financial technologies represent an opportunity for Liechtenstein. The FMA pursues an approach that aims to use and shape regulation in a way that enables both established financial service providers and new companies to realise their business models. If you wish to offer fintech services in Liechtenstein, you will find initial information on the regulatory framework here.
If you have any questions, please contact fintech[at]fma-li.li or arrange an appointment with the FMA. The Fintech Unit will be happy to provide you with an initial clarification in a timely manner.
As a supervisory authority, the FMA addresses not only the opportunities but also the risks associated with technology-based business models. It must ensure that customer protection is safeguarded, confidence in the financial market is maintained, and the stability of the financial system is not jeopardised. To ensure market access to the European Economic Area, business models must also comply with European requirements.
Why Liechtenstein?
Liechtenstein is an excellent location for setting up a business. Nestled between Austria and Switzerland, it offers a broadly diversified and stable economic environment, with over 4,300 active companies. Promoting innovation is a key priority for the Government. In addition to business support services, the Office for Financial Centre Innovation provides further information on international cooperation and Liechtenstein as an innovation hub. More detailed information on the further development of the business framework in Liechtenstein and the promotion of innovative products and services is available from the Government through Impuls Liechtenstein.
- Excellent integration into attractive economic areas: Liechtenstein has been a member of the European Economic Area (EEA) since 1995, providing it with EU-compatible regulation and full freedom to provide services throughout all EEA countries. In addition, due to traditionally close economic ties and a customs and currency treaty with Switzerland, Liechtenstein-based companies benefit from privileged access to the Swiss economic area.
- Accessible supervisory authority: The FMA has established an internal competence team, the Regulatory Laboratory, which focuses on regulation and innovation in the field of financial technologies. Positioned at the intersection of regulation and the market, the team serves as a point of contact for companies in the fintech sector.
- Short decision-making channels: The manageable size of the country entails flexibility and short decision-making channels in all matters.
- Liberal economic policy: Liechtenstein is business-friendly and ensures an optimal business framework for entrepreneurs. The country's liberal economic policy is reflected in labour law as well as company law.
- Simple and fair tax system: The uniform corporate income tax rate for companies in Liechtenstein is 12.5%. Paying this flat tax satisfies all fiscal demands, given that Liechtenstein has no capital or coupon tax.