Kai Zhang has focused his practice for the past decade on advising financial institutions with respect to complex regulatory matters relating to payment services and e-money as well as investment funds and banking regulation. Kai has deep knowledge of the UK and EU payments and e-money regulatory frameworks including Payment Services Directive, EU Wire Transfer Regulation and Electronic Money Directive. 
He has extensive experience in advising a variety of payment service firms in respect of issues within the full spectrum of payments regulation such as authorisation/licensing, operational and conduct of business requirements, compliance issues, designing and preparation of internal compliance documents. The types of clients include banks, non-bank payment firms and FinTech firms. He is also experienced in designing and coordinating multijurisdictional regulatory surveys.