Home / Insight / FinTech

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

Feed

05/08/2021
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.
01/06/2021
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...
15/12/2020
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)...
04/11/2020
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...
04/11/2020
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...
22/06/2020
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...
24/02/2020
In­sur­ance cloud out­sourcing: EIOPA pub­lishes new Guidelines 
EIOPA has pub­lished the fi­nal text of its Guidelines on out­sourcing to cloud ser­vice pro­viders (the “Guidelines”), fol­low­ing last year’s con­sulta­tion. The Guidelines provide guid­ance to in­surers...
16/07/2019
An in­tro­duc­tion to the law of block­chain and dis­trib­uted ledger tech­no­lo­gies...
Data Pro­tec­tion The European Gen­er­al Data Pro­tec­tion Reg­u­la­tion raises at least two is­sues in par­tic­u­lar in this con­text. First: is pseud­onym­ous in­form­a­tion per­son­al data? Second: how can a “right...
11/07/2019
An in­tro­duc­tion to the law of block­chain and dis­trib­uted ledger tech­no­lo­gies...
Rem­ed­ies: In Prin­ciple The ori­gin­al Bit­coin White Pa­per stressed the im­port­ance of trans­ac­tions not be­ing re­vers­ible. Ir­re­vers­ib­il­ity is a func­tion of Bit­coin, de­lib­er­ately de­signed to re­duce trans­ac­tion...
08/07/2019
An in­tro­duc­tion to the law of block­chain and dis­trib­uted ledger tech­no­lo­gies...
Jur­is­dic­tion­al is­sues Many com­ment­at­ors note that true de­cent­ral­isa­tion im­plies that en­force­ment of ob­lig­a­tions must be ef­fected through the sys­tem. A per­mis­sioned sys­tem may in­clude con­ven­tion­al gov­ern­ing...
03/07/2019
An in­tro­duc­tion to the law of block­chain and dis­trib­uted ledger tech­no­lo­gies...
Leg­al Per­son­al­ity De­term­in­ing wheth­er a sys­tem has leg­al per­son­al­ity has im­plic­a­tions for many of the ques­tions con­sidered in re­la­tion to this top­ic. In 'Ho­ri­zon Scan­ning — Block­chain: The Leg­al Im­plic­a­tions...
02/07/2019
Crowd­fund­ing: The Coun­cil for the EU pub­lishes the next step to­wards an...
On 26 June 2019, the Coun­cil for the European Uni­on pub­lished a com­prom­ise pro­pos­al in re­la­tion to the European Com­mis­sion’s draft frame­work to reg­u­late crowd­fund­ing plat­forms in the EU (the "Crowd­fund­ing...