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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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Crypto­cur­rency fraud – Eng­lish Court to the res­cue 
In an­oth­er help­ful de­cision, the Eng­lish Com­mer­cial Court has gran­ted freez­ing and dis­clos­ure or­ders in re­la­tion to a sig­ni­fic­ant al­leged fraud af­fect­ing crypto­cur­rency hold­ers. In do­ing so, the court...
CMS Glob­al Fintech Up­date
The leg­al frame­work in the fintech in­dustry is chan­ging very quickly and some­times var­ies greatly from jur­is­dic­tion to jur­is­dic­tion.Our glob­al up­date, will give you an over­view of the latest changes and top­ics we have been deal­ing with in Europe, Africa and Lat­in Amer­ica re­gion. This will give you an at a glance sum­mary of a num­ber of art­icles that we have pro­duced on a loc­al basis.For a more in-depth ana­lys­is or for any ques­tions, please reach out to your usu­al CMS con­tact or lis­ted in this up­date Fintech ex­perts.
Cryptoassets and fraud – rem­ed­ies avail­able from Eng­lish courts
In ION Sci­ence Ltd v Per­sons Un­known and oth­ers[1], the Eng­lish Com­mer­cial Court ad­ded to a string of re­cent judg­ments which of­fer ef­fect­ive rem­ed­ies for deal­ing with frauds and thefts re­lated to cryptoassets...
FCA’s find­ings in­to cryptoasset con­sumer re­search 2021 – what does the...
On the 17th of June 2021, the Fin­an­cial Con­duct Au­thor­ity (“FCA”) re­leased a new pub­lic­a­tion cov­er­ing in­sights gathered from re­search in­to con­sumer at­ti­tudes to­wards the own­er­ship of crypto­cur­ren­cies.[1] ...
Risk-weight­ing cryptoassets: BCBS con­sults on the pruden­tial treat­ment...
On 10 June 2021, glob­al stand­ard set­ter the Basel Com­mit­tee on Bank­ing Su­per­vi­sion (“BCBS”) pub­lished a con­sulta­tion on the pruden­tial treat­ment of banks’ cryptoasset ex­pos­ures, with com­ments...
Pay for your cof­fee with crypto? In El Sal­vador you can!
The FCA an­nounced on 3rd June 2021 that they were ex­tend­ing the end date of the Tem­por­ary Re­gis­tra­tions Re­gime (“TRR”) for ex­ist­ing cryptoasset busi­nesses from 9th June 2021 to 31st March 2022. On...
Some leaks can­'t be fixed
“Con­fid­en­tial in­form­a­tion is like an ice cube... give it to the party who has no re­fri­ger­at­or or will not agree to keep it in one, and by the time of the tri­al you have just a pool of wa­ter.” This...
Has the Chan­cel­lor in­tro­duced enough new de­vel­op­ments to make a dif­fer­ence...
In his key­note speech open­ing Lon­don FinTech Week, the Chan­cel­lor of the Ex­chequer, Rishi Sunak, an­nounced a series of new policy de­vel­op­ments re­lat­ing to FinTech. In par­tic­u­lar: the launch...
Wide range of new ini­ti­at­ives an­nounced for UK FinTech by Chan­cel­lor (Part...
On 19 April 2021, dur­ing his open­ing key­note speech at a launch event for FinTech Week, the Chan­cel­lor of the Ex­chequer, Rishi Sunak, an­nounced new pro­pos­als for UK FinTech, as fol­lows: A new...
Pub­lic­a­tion of the Di­git­al Dis­pute Res­ol­u­tion Rules
The UK Jur­is­dic­tion Taskforce (UKJT) has now pub­lished the UK’s first Di­git­al Dis­pute Res­ol­u­tion Rules (DDRR). The DDRR give leg­al ef­fect to auto­mat­ic dis­pute res­ol­u­tion pro­cesses built in­to di­git­al...
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...
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...