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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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01/12/2022
Eng­lish High Court hands down first judg­ment on the new ‘crypto’ ser­vice...
The Eng­lish High Court has gran­ted an or­der re­quir­ing a num­ber of crypto ex­changes to provide a vic­tim of fraud with in­form­a­tion re­gard­ing some of their cus­tom­er ac­counts and the where­abouts of the vic­tim’s...
02/11/2022
Changes to crypto reg­u­la­tion on the ho­ri­zon
On 20 Ju­ly 2022, the Fin­an­cial Ser­vices and Mar­kets Bill (the Bill) was in­tro­duced in­to Par­lia­ment.  The Bill is the largest piece of fin­an­cial ser­vices le­gis­la­tion for over two dec­ades and cov­ers...
13/09/2022
UPC Rules of Pro­ced­ure go in­to force with judg­ments to be made pub­lic
The entry in­to force of the Rules of Pro­ced­ure is part of the fi­nal pre­par­a­tions for the United Pat­ent Court (UPC), which is cur­rently ex­pec­ted to start work in early 2023. After the bod­ies of the UPC...
01/08/2022
The Law Com­mis­sion’s con­sulta­tion pa­per on di­git­al as­sets in­clud­ing pro­pos­al...
The Law Com­mis­sion for Eng­land and Wales has launched a sig­ni­fic­ant and de­tailed con­sulta­tion on pro­pos­als to en­sure that the law re­cog­nises and pro­tects di­git­al as­sets, which in­clude crypto-tokens, cryptoassets...
28/07/2022
Eng­lish High Court per­mits ser­vice of court pro­ceed­ings by NFT
For the first time out­side the United States and for only the second time world­wide,[1] a court has al­lowed the ser­vice of pro­ceed­ings via non-fun­gible token (NFT).  The judg­ment of Trow­ers J in the...
13/07/2022
Crypto and ESG - 11 things you need to know…
Cryptoassets are in the spot­light for many reas­ons. The use of crypto­cur­ren­cies as an al­tern­at­ive to fi­at cur­ren­cies is be­ing ex­plored and tested fur­ther by glob­al events. Cryptoassets and block­chain...
27/06/2022
Amend­ments to the UK MLRs – 14 key changes to know now
HM Treas­ury launched a con­sulta­tion on 22 Ju­ly 2021 (Con­sulta­tion), which out­lined how the gov­ern­ment in­ten­ded to amend the UK’s money laun­der­ing re­gime to en­sure that the UK con­tin­ues to meet in­ter­na­tion­al...
13/06/2022
Gambling Com­mis­sion warns of im­plic­a­tions of change of con­trol ap­prov­al...
The Gambling Com­mis­sion has is­sued re­mind­ers to its li­censees of their ob­lig­a­tions to seek the Com­mis­sion's ap­prov­al for a change of cor­por­ate con­trol ("CoCC").  The warn­ings – cir­cu­lated as part of...
10/06/2022
Eng­lish High Court treats Non-Fun­gible Tokens as leg­al prop­erty in fraud...
In an im­port­ant rul­ing, the High Court of Eng­land and Wales re­cog­nised that there was at least a real­ist­ic­ally ar­gu­able case that non-fun­gible tokens (“NFTs”) were to be treated as leg­al prop­erty...
25/05/2022
AI, ma­chine learn­ing & big data laws and reg­u­la­tions 2022
The United King­dom has an am­bi­tion to be­come the world’s lead­er in Ar­ti­fi­cial In­tel­li­gence (AI) tech­no­logy and policy and AI is in­creas­ingly be­ing ad­op­ted across a wide vari­ety of sec­tors in­clud­ing...
07/04/2022
UK an­nounces mul­tiple de­vel­op­ments to make the UK a glob­al hub for cryptoassets...
On 4 April 2022, key an­nounce­ments were made re­gard­ing the de­vel­op­ment of the UK cryptoasset sec­tor with the aim of mak­ing it a glob­al hub for cryptoassets. HM Treas­ury (“HMT”) pub­lished a re­sponse...
18/03/2022
Post-Brexit: UK plaintiffs must provide cost se­cur­ity for pro­ceed­ings in...
Last year, long lorry jams made it clear to every­one what con­sequences Brexit will have for cross­ing the bor­der to main­land Europe. Far less known is the hurdle which UK com­pan­ies must over­come when they...