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FinTech

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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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...
01/06/2021
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 to...
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...