Home / Insight / FinTech


Go to International

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.

@CMS_FinTech Twit­ter Feed


Show only
09 March 2021
UK Budget 2021: A bright fu­ture for the UK FinTech eco­sys­tem?
On the 3rd of March 2021, Chan­cel­lor Rishi Sunak an­nounced the latest UK budget. However, it came hot on the heels of the ground-break­ing Kal­ifa Re­view in­to the UK’s flour­ish­ing FinTech in­dustry. The...
02 March 2021
Fu­ture UK fintech strategy pub­lished in Kal­ifa Re­view
Fol­low­ing the 2020 Budget, the Chan­cel­lor asked Ron Kal­ifa OBE to carry out an in­de­pend­ent re­view of the UK’s fintech sec­tor to es­tab­lish pri­or­ity areas for in­dustry, policy makers, and reg­u­lat­ors...
15 December 2020
Five years after Hua­wei ZTE FRAND li­cens­ing ob­lig­a­tions again be­fore the...
On 26 Novem­ber 2020, the Düs­sel­dorf Re­gion­al Court an­nounced that it would sus­pend a pat­ent in­fringe­ment pro­ceed­ing and refer key ques­tions on com­puls­ory li­cens­ing of stand­ard es­sen­tial pat­ents (SEP)...
4 November 2020
The Law Com­mis­sion’s State­ment of Law: Ex­e­cu­tion with an elec­tron­ic sig­na­ture...
The COV­ID-19 pan­dem­ic has made the in-per­son sign­ing of deeds and doc­u­ments im­prac­tic­al and cre­ated a na­tion of ‘re­mote’ work­ers.Mer­cury-com­pli­ant ‘vir­tu­al sign­ings’ (where the sig­na­ture page...
4 November 2020
Elec­tron­ic Sig­na­tures & E-Sign­ing Plat­forms
Some pro­cess changes aren’t glam­or­ous or ex­cit­ing, but can save costs, drive im­proved com­pli­ance and audit­ab­il­ity and simply make what would oth­er­wise be time-con­sum­ing tasks much easi­er. The ad­op­tion...
03 November 2020
Busy Times in FinTech: Out­line of Re­cent Reg­u­lat­ory De­vel­op­ments - Part...
In this art­icle, the second in the series, we con­tin­ue to look at re­cent reg­u­lat­ory de­vel­op­ments im­pact­ing the FinTech in­dustry. Our first art­icle looked at the UK Fin­an­cial Con­duct Au­thor­ity’s (FCA)...
27 October 2020
Busy times in fintech: an out­line of re­cent reg­u­lat­ory de­vel­op­ments
Over the last three weeks, fin­an­cial ser­vices reg­u­lat­ors across the globe have been busy pub­lish­ing a range of ini­ti­at­ives which will im­pact on the FinTech in­dustry world-wide. The com­mon theme across...
29 July 2020
Vul­ner­able Cus­tom­ers and FinTech – life after Cov­id-19
Al­most two years ago as the Treas­ury Com­mit­tee heard evid­ence in the Con­sumers’ Ac­cess to Fin­an­cial Ser­vices en­quiry, some sur­prise was ex­pressed at the pro­jec­ted levels of po­ten­tial vul­ner­ab­il­ity in...
27 July 2020
HMT con­sults on in­clud­ing cryptoassets in the fin­an­cial pro­mo­tions re­gime
On 20 Ju­ly 2020, HM Treas­ury pub­lished a con­sulta­tion pa­per (the “Con­sulta­tion Pa­per”) which seeks to bring cer­tain cryptoassets in­to the scope of the fin­an­cial pro­mo­tions re­gime. The Con­sulta­tion...
22 June 2020
ESMA con­sults on new rules for Cloud ar­range­ments
On 3 June 2020, ESMA pub­lished a Con­sulta­tion Pa­per (“CP” which is avail­able here) on draft guidelines for out­sourcing to cloud ser­vice pro­viders. For both as­set man­agers and funds, the CP pro­poses...
18 May 2020
FCA ac­cel­er­ates di­git­al sand­box pi­lot to sup­port firms amidst the Cov­id-19...
The FCA re­leased a state­ment set­ting out its pro­pos­al to ac­cel­er­ate the di­git­al sand­box pi­lot in or­der to en­hance reg­u­lat­ory sup­port for in­nov­at­ive firms amidst the Cov­id-19 pan­dem­ic. The FCA states that...
07 May 2020
Cy­ber re­si­li­ence: The Fin­an­cial Sta­bil­ity Board con­sults on a new cy­ber...
The Fin­an­cial Sta­bil­ity Board (“FSB”) has pub­lished a con­sulta­tion re­port on Ef­fect­ive prac­tices for cy­ber in­cid­ent re­sponse and re­cov­ery, which is a toolkit of 46 ef­fect­ive prac­tices that or­gan­isa­tions...