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Whether you are a buy-now-pay-later start-up looking to grow your business, an established financial institution acquiring the latest fintech technologies or a bank consortium looking to outsource your payment solutions, the CMS fintech team is uniquely positioned to support you. From investment agreements and fundraising options to regulatory compliance issues and to outsourcing arrangements, our team combining finance and technology experts provide you with innovative solutions that meet your particular requirements. 

  • Regulation – We have extensive contentious, non-contentious advisory and transactional regulatory expertise. Our team can assist you dealing with financial authorities and handle supervisory and enforcement issues as diverse as capital adequacy, financial crime and distribution channels.
  • Regtech – We have garnered a substantial reputation for our work supporting FinTech businesses, whether it is helping to launch crowdfunding platforms, providing advice to funds and similar businesses that are adopting AI processes in a highly regulated environment, or taking initial coin offerings from concept to launch.
  • Innovation, crowdfunding & Cryptocurrencies – Our team can advise you on the impact of advances in AI, distributed ledger technologies, NFTs, web3, cloud computing, robotics and countless other technologies that are still to come. We can help you to make sure that you are positioned to benefit from them commercially, whilst meeting all legal obligations.
  • Protection of personal data – We help our clients by putting in place adequate procedures, policies and protections against any possible infringement claims or fines.
  • Debt & equity funding – Our specialist banking team advises on loan and security arrangements, while our industry experts advise on the risks specific to each business and on enforcement strategy based on the particular assets. We also advise VC Funds and corporate investors in their investments into start-ups and support business founders of finding funders that help grow their company.

Please browse the sections below to find out more about how we can help you:

Fintech Data Protection Image
Fintech Regulations and Regtech Image
Fintech Innovation, Crowdfunding & Crypto-currencies Image
Fintech Lending Transactions Image
Fintech M&A Transactions Image
Fintech Payments Image


To find out more about our views and hot topics related to FinTech, please take time to browse our Insights section.

To find out more about CMS’ equIP accelerator programme for start-ups please visit our equIP and start-ups section or contact one of our FinTech team.

Embedded finance
A specialist industry team, part of our FinTech practice, providing bespoke...
Digital Assets and Web3 Hub
At CMS we are truly interested in everything crypto, blockchain and metaverse. We enjoy cooperating with industry bodies and academics, have our voice heard in government thinking groups and tasks forces, attend and organise events and regularly publish legal briefings, research reports and opinion pieces.   This page contains some of our most recent publications. If any of the articles have your particular interest, feel free to reach out to its authors for a deeper conversation.
FinTech Bytes
Welcome to the TMT podcast series, 'FinTech Bytes'. FinTech Bytes by CMS is a podcast which gives listeners a ‘bite-sized’ overview of topics affecting the FinTech market and provides insights into...


Lexology Masterclass: The future of AI in financial services, where innovation...
On 29 February, our CMS Regulatory team and NextWave hosted a Lexology Masterclass on the future of AI in financial services. The webinar is now available on demand for anyone who wants to learn more or revisit the session. Our special thanks to Tony Clark, CEO of NextWave for joining the CMS team, and sharing his own practical examples of AI use cases in the financial services sector. If you are interested in hearing more from him and staying updated on the latest trends and developments in the sector, please sign up here. In this webinar, we offered practical insights into how financial institutions are navigating the AI landscape, and looked at the challenges to regulating AI, how firms are approaching AI and how they can leverage existing technologies. The masterclass covered specific regulatory concerns for financial institutions, while showcasing noteworthy AI use cases to provide concrete examples of successful integration and innovation. In this masterclass, you will:Explore the UK’s approach to AI regulation, contrasting it with US, EU and China strategies and identify the current challenges from diverse jurisdictional approaches. Delve into regulatory concerns and challenges for financial in­sti­tu­tions. Gain insights into successful AI use cases, providing practical examples of integration and innovation. Understand how financial institutions approach AI, evaluating readiness and discussing potential regulatory governance frameworks. Examine the future of AI in finance, while we analyse trends, advancements, and the evolving regulatory landscape. If there are specific topics you'd like to discuss further, please do feel free to contact any of us. Our details are listed below. For more information on AI and related topics, please visit the CMS or NextWave’s AI dedicated sites. How do you use AI - NextWaveAI in Financial Services - CMS
A User's Guide to the EU AI Act
The UK and Israel are both EU-adjacent nations with innovative and tech-savvy businesses that will be keen to understand how artificial intelligence and automation will unlock opportunities and further their ambitious growth plans. This webinar will cover why the EU AI Act exists, what it means and how to practically approach compliance with the Act.
Future of Finance: regulatory briefings series 2024
Join us as we launch our in-person breakfast seminar series across London and Edinburgh. In these seminars, our Financial Services team will be discussing the latest regulatory developments affecting...
Taking security in relation to e-money and e-money accounts
This article first appeared in Thomson Reuters Practical Law, Oct 2023 Key takeaways:se­cur­ity can be taken over e-money and e-money accountse-money accounts cannot be blocked in the same way that traditional...
CMS advises Laser Digital on Webn Group investment
International law firm CMS has advised digital asset business Laser Digital on its investment in Webn Group, an incubation hub for fintech and Web3 innovators backed by Alan Howard. Laser Digital is Nomura’s...
E-money and e-money accounts – a guide for lenders
The development of the fintech sector over the last ten years has transformed payment systems with more individuals and businesses moving away from cash payments to using electronic money (“e-money”)...