United Kingdom

Welcome to FinTech Insights, the place to find out more about our views and hot topics related to FinTech. We hope that you find it useful.

The market's desire to increase the level of financial inclusion, business efficiency and reduce costs, and the need for improved customer engagement and experiences, are driving the emergence of new business and operating models, products and services. The traditional financial services landscape is being disrupted with challengers emerging at every turn.

Particular strengths of the UK FinTech market are:

• online and mobile payments
• accounts and lending
• money transfers and foreign exchange
• data analytics
• financial software
• peer-to-peer
• crowdfunding platforms

We can expect to see growth in areas such as:

• RegTech
• InsureTech and automated advice
• authentication and cybersecurity
• wealth management and financial inclusion services
• back office processing
• blockchain based solutions

We are regarded by many companies as their first choice for all legal services related to FinTech. To find out more about our FinTech expertise and how we can help please visit our dedicated FinTech expertise section.

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High­lights of our ex­per­i­ence in FinTech in the UK
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FCA an­nounces the cre­ation of the Glob­al Fin­an­cial In­nov­a­tion Net­work
On 7 Au­gust 2018, the Fin­an­cial Con­duct Au­thor­ity (the “FCA”) has, in col­lab­or­a­tion with 11 fin­an­cial reg­u­lat­ory and re­lated or­gan­isa­tions, an­nounced the cre­ation of the Glob­al Fin­an­cial In­nov­a­tion Net­work (“GFIN”), build­ing on the FCA’s pro­pos­al to cre­ate.
FinTech: Evol­u­tion or re­volu­tion? An up­date on the latest de­vel­op­ments
In­tro­duc­tion    In­nov­a­tion with­in the fin­an­cial tech­no­logy in­dustry (bet­ter known as the FinTech in­dustry) has trans­formed the fin­an­cial ser­vices mar­ket. FinTech has re­shaped busi­ness trans­ac­tions, the in­sur­ance in­dustry, as­set man­age­ment and money it­self.
The FCA’s Re­view of Auto­mated In­vest­ment Ser­vices
Fol­low­ing the pub­lish­ing of the 2017/18 Busi­ness Plan, the FCA has un­der­taken re­views of in­nov­at­ive areas of the fin­an­cial mar­kets. In a re­port pub­lished 21 March, the FCA presen­ted its find­ings on auto­mated in­vest­ment ser­vices and its re­com­mend­a­tions on im­prov­ing.
An up­date on the FCA's ap­proach to crypto­cur­ren­cies
On 9 April 2018, the Fin­an­cial Con­duct Au­thor­ity (FCA) pub­lished its Busi­ness Plan 2018/19 (link), in which it iden­ti­fied crypto­cur­ren­cies as one of its cross-sec­tor pri­or­it­ies for the year ahead. Shortly be­fore, on 6 April 2018, the FCA also pub­lished a state­ment.
Com­mu­nic­a­tions in­fra­struc­ture fin­ance: catch­ing up to the speed of...
Earli­er this week, bid­ding began in the UK for a share of newly re­leased spec­trum to provide the back­bone for the next gen­er­a­tion of net­work and data con­nectiv­ity, 5G ser­vices. With the usu­al sus­pects vy­ing for a chunk of the 40MHz and 150MHz avail­able spec­trum.
Se­lect Com­mit­tee of MPs to look in­to block­chain and di­git­al cur­ren­cies
On 22 Feb­ru­ary 2018 The House of Com­mons Treas­ury Com­mit­tee (also re­ferred to as the ‘Treas­ury Se­lect Com­mit­tee’ or ‘TSC’) launched an in­quiry in­to the role of di­git­al cur­ren­cies and the tech­no­lo­gies un­der­pin­ning them.
Monte Carlo Ren­dez­vous de Septembre - Get the most from your­Insur­Tech...
Steph­en Neth­er­way and Si­mon Kilgour ex­plain the leg­al and reg­u­lat­ory hurdles (re)in­sur­ance busi­nesses need to con­sider when siz­ing up in­suretech in­vest­ments. The (re)in­sur­ance sec­tor is in­creas­ingly re­cept­ive to the pos­sib­il­it­ies of In­sur­Tech.
US rules on Bit­coin (and what the EU thinks)
Bit­coin has be­come in­creas­ingly pop­u­lar as a vir­tu­al cur­rency. It is es­tim­ated that ven­ture cap­it­al in­vest­ments in the cur­rency now total more than €1 bil­lion. As Bit­coin be­gins to break in­to the main­stream, the European Par­lia­ment and a Flor­ida court have.