
Author
Beatriz Costa
Fintech & Regulatory Affairs Analyst
Beatriz covers the intersection of innovation and compliance in the European financial sector, with a specific focus on the implementation of the Digital Finance Strategy and MiCA regulation. Her background combines financial technology consulting with investigative reporting on sustainable finance frameworks across the bloc. She is adept at explaining how Brussels' regulatory patches shape the business models of neobanks and asset managers.
Specialties
- EU Fintech Regulation (MiCA)
- Sustainable Finance (SFDR/CSRD)
- Open Banking Standards
- Green Bond Frameworks
- GDPR in Financial Services
Editorial method
I trace regulatory implications back to official EU Parliament texts and consult with compliance experts to ensure accuracy.
Review areas
- Regulatory Compliance Text
- Technology Implementation Claims
- ESG Metric Verification
Editorial policy
All discussions on new financial technologies must strictly adhere to the current and proposed legislative reality of the EU.
Stories by Beatriz Costa
The EU's CSRD mandates a dual-lens approach to sustainability reporting, requiring companies to assess both their environmental footprint and financial risks to ensure comprehensive transparency.
By Beatriz Costa · 6 min read

Investors are pulling back from renewable infrastructure not due to technology risks, but because the EU Taxonomy's 'Do No Significant Harm' criteria on biodiversity create insurmountable data gaps.
By Beatriz Costa · 6 min read

Multinationals face a compliance labyrinth as EU and US climate reporting standards diverge materially in 2026, requiring distinct data architectures for the same operational reality.
By Beatriz Costa · 5 min read

Navigating the strict boundaries of the EU Emissions Trading System reveals why purchasing voluntary carbon credits fails to satisfy regulatory compliance in 2026.
By Beatriz Costa · 7 min read

Amid the 2026 enforcement wave, the divergence between 'light green' and 'dark green' funds demands a reassessment of regulatory risk rather than just sustainability impact.
By Beatriz Costa · 6 min read

An analysis of gross margin erosion, inventory bloat, and currency headwinds in Unilever's Q1 2026 financials reveals deeper structural weaknesses.
By Beatriz Costa · 6 min read

A detailed operational breakdown of transforming a Dutch Besloten Vennootschap into a Societas Europaea under current EU regulations.
By Beatriz Costa · 6 min read

Dissecting the illusion of ownership in Volkswagen's dual-class system and the reality of voting power for minority investors in 2026.
By Beatriz Costa · 7 min read

A breakdown of why SAP's migration to a subscription model creates temporary but alarming dips in corporate profitability.
By Beatriz Costa · 5 min read

Analyzing the divergent CAPEX strategies of Shell and BP reveals distinct risk profiles for energy investors balancing immediate yield with EU regulatory compliance.
By Beatriz Costa · 7 min read
