signteq, the European identity, trust and compliance platform for regulated industries, is targeting UK financial institutions that serve customers or operate entities in the EU.
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At Open Banking Expo 2026, held on 13–14 October at the Business Design Centre in Islington, London, the company presented its unified platform as the bridge between UK institutions and the European regulatory landscape.
The challenge: two markets, separate rules
UK banks, fintechs and payment providers with EU customers face two regulatory regimes. Since Brexit, UK and EU identity rules have developed separately: AMLR will harmonise KYC across the EU from July 2027, and under eIDAS 2.0, regulated institutions will have to accept the EU Digital Identity Wallet.
Their own processes add a second layer of fragmentation. Open Banking and Open Finance spread one customer journey across several institutions and payment services, while identity verification, KYC, AML, signatures and monitoring often run in separate systems with different vendors. Every handover is a point where customers drop out, fraud finds a gap and auditors find missing evidence.
Those gaps were at the centre of the panel “Fraud is winning. So what needs to change?”, where Lena Miglbauer, Chief Revenue Officer at signteq, joined Hannah Regan (Capital One), Helena Wood (City of London Police) and Simon Stokes (PaymentGenes) to discuss industrialised fraud, from deepfakes to SIM swaps, and why prevention has to start before the transaction.
“Whether in the UK or across Europe, we’re facing the same fundamental challenge: fraud is becoming more connected, while our defences remain fragmented,” said Miglbauer. “We don’t necessarily need more tools. We need identity verification, fraud prevention and compliance to work together.”
One integration across identity and compliance
signteq addresses this with a unified platform that brings identity, compliance and signatures together. For UK institutions working with the EU, it stands out in particular for:
- One integration. Identity verification, KYC and KYB, AML screening and monitoring, qualified electronic signatures and open banking run through one API, one contract and one SLA instead of several vendors.
- Provider independence. An orchestration layer routes between verification methods and providers by risk, country, device or availability. If one provider fails, a fallback takes over and onboarding continues.
- European readiness. signteq is already certified under eIDAS and ETSI TS 119 461 and supports EUDI Wallet acceptance, while much of the market is still preparing for AMLR and eIDAS 2.0. All data is processed in the EU, across more than 30 European markets.
Identity as infrastructure
This is what signteq means by identity as infrastructure. Identity is no longer verified once at onboarding and then simply assumed. It becomes a shared layer that every step of the customer lifecycle draws on, with one audit trail behind it. For UK institutions, that means building once for both markets instead of retrofitting for every new EU requirement.
“A check answers the question of who someone is once. Infrastructure answers it every time: at onboarding, at signature, at re-authentication and in monitoring,” said Miglbauer.