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Fintech

Through innovative, nimble, expert legal guidance and industry insights, we help UK and international fintechs, financial institutions and others achieve their commercial goals.

Ground-level view of skyscrapers with tech network overlay

The fintech sector is immensely diverse.

Positioned at the intersection of financial services and technology, the sector is delivering real impact in wealth management, banking, insurance, pensions, consumer finance, payments, e-money and e-commerce.

As the industry adapts – on a global basis – to solve problems and develop new financial products, innovation is enabled by advances in technology, data use and AI. 

This dynamic environment is compounded by the evolution of financial regulatory systems and regulatory compliance standards globally. As new technologies and business models are adopted, these changes bring significant opportunities and complex challenges. 

Businesses need lawyers who are not only well-versed in the unique requirements and dynamics of the sector but also committed to achieving clients’ commercial ambitions by providing timely, actionable guidance when challenges arise. 

With many of our team having worked in-house in senior roles within the international fintech sector – within both direct-to-consumer and business-to-business environments, and from start-ups to unicorns – we know first-hand that businesses evolve quickly, and we can help at any stage of the customer lifecycle and product journey.

We excel in managing risks, identifying solutions and leveraging opportunities, ensuring that our clients remain compliant, competitive and innovative in the ever-changing fintech landscape.

Services

Technology and data

We help businesses safely develop, protect, and leverage both existing and emerging technologies while using data in innovative ways. 

Financial regulation

We help businesses navigate legal, regulatory, and compliance requirements, offering practical advice from start-up to maturity, and assist in engaging with regulators and governmental authorities. 

Business growth and funding

We advise businesses on enhancing customer experience and products, forging commercial collaborations, expanding internationally, making investment decisions, securing debt and equity funding, and developing intellectual property. 

Business protection

We assist businesses in managing regulatory and operational risks, navigating regulatory reviews, investigations, and commercial disputes, achieving data privacy compliance and cybersecurity goals, and protecting their brand. 

Business operations

We support businesses and their employees with advice on employment and right-to-work issues, staff incentive schemes, workplace requirements such as leases and health and safety, commercial arrangements, and taxation. 

Examples of our work

Lending and consumer finance

Advised lending platforms on full-scale regulatory projects and on day-to-day operational issues relating to consumer finance.

Wealthtech

Advised a fintech disruptor on the development of a new, innovative wealth management platform including advice on regulatory strategy and compliance, tax and key legal agreements.

Banking

Advised on the establishment of a global technology centre of excellence as part of a new operating model for an internationally significant bank, including its own technology and banking platform.

Payments

Advised on the development and launch of a new payment services proposition, on applications for authorisation and on emerging regulatory and business issues.

Funding and M&A

Advised on M&A transactions and on seed and series equity funding, debt funding and on structured financing for a range of fintech clients including a neo-bank.

Technology projects

Advised on large scale digital transformation projects, including the outsourcing of technology services to third party providers.

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Our team

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What others say

“Advice is very clear and pragmatic …  [making] it easy to understand what is a real risk and how to assess or mitigate it, which is a huge value add.”

Legal 500 UK 2024

“Expert knowledge, friendly, and very responsive and collaborative.”

Legal 500 UK 2024

“An all-round great team”

Legal 500 UK 2024

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