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    FinTech Law

FinTech Law

Banking & Finance - website - FinTech - banner - image

Overview

The financial services industry is undergoing significant digital transformation. Constant innovation to meet rapidly changing customer demand has its challenges, but it also presents considerable opportunities. Our international cross-practice team has significant experience in the FinTech law space and has a spectrum of solutions to support your next enterprise.

In the UK, the very highest quality legal advice delivered through a partner-led service makes our FinTech lawyers a popular choice with clients ranging from the world's leading financial institutions and public companies to private businesses and entrepreneurs.

In a rapidly changing environment, you need the benefit of experience but also need a team with the breadth and depth to offer a fresh approach. Our lawyers are at the cutting edge of new and emerging opportunities with considerable market knowledge gained through an early and sustained presence in the FinTech sector.

From our platform structuring service (including investment, regulatory and tax support) to advice on employment issues and intellectual property (IP) matters, we provide joined-up support from every angle, giving you the time and freedom to focus on your enterprise.

We also have a dedicated Financial Services Regulatory team, which includes lawyers who have worked as regulators and in-house at financial firms acting for a broad range of clients, from banks and asset managers, to brokers and corporates.

What is FinTech?

FinTech is financial technology or technology used specifically within the financial services sector. It can also describe businesses that provide financial services through technology or are technology providers to the financial services players, such as software, cloud services and mobile technology. Many products are designed to provide consumers with ease of use but FinTech also includes technologies for businesses as well.

We know that your business objectives will not stop at the border so neither do we. Our team operates internationally, spending significant time in both New York and Silicon Valley. We have deep experience advising companies of all sizes, whether financial institutions or technology providers. We also have experience in mentoring FinTech companies at accelerators and within shared workspaces like the FinTech Innovation Lab.

FinTech legal services

  • Anti-money laundering
  • Banking & Finance
  • Competition and antitrust
  • Crypto disputes
  • Data protection and cyber security
  • Employment
  • Financial Services Regulation
  • Fraud detection and deterrence
  • Intellectual property
  • M&A
  • Pensions
  • Platform structuring
  • Scale ups
  • Securities Regulation
  • Start ups
  • Supply chain
  • Tax

The financial services industry is undergoing significant digital transformation. Constant innovation to meet rapidly changing customer demand has its challenges, but it also presents considerable opportunities. Our international cross-practice team has significant experience in the FinTech law space and has a spectrum of solutions to support your next enterprise.

In the UK, the very highest quality legal advice delivered through a partner-led service makes our FinTech lawyers a popular choice with clients ranging from the world's leading financial institutions and public companies to private businesses and entrepreneurs.

In a rapidly changing environment, you need the benefit of experience but also need a team with the breadth and depth to offer a fresh approach. Our lawyers are at the cutting edge of new and emerging opportunities with considerable market knowledge gained through an early and sustained presence in the FinTech sector.

From our platform structuring service (including investment, regulatory and tax support) to advice on employment issues and intellectual property (IP) matters, we provide joined-up support from every angle, giving you the time and freedom to focus on your enterprise.

We also have a dedicated Financial Services Regulatory team, which includes lawyers who have worked as regulators and in-house at financial firms acting for a broad range of clients, from banks and asset managers, to brokers and corporates.

What is FinTech?

FinTech is financial technology or technology used specifically within the financial services sector. It can also describe businesses that provide financial services through technology or are technology providers to the financial services players, such as software, cloud services and mobile technology. Many products are designed to provide consumers with ease of use but FinTech also includes technologies for businesses as well.

We know that your business objectives will not stop at the border so neither do we. Our team operates internationally, spending significant time in both New York and Silicon Valley. We have deep experience advising companies of all sizes, whether financial institutions or technology providers. We also have experience in mentoring FinTech companies at accelerators and within shared workspaces like the FinTech Innovation Lab.

FinTech legal services

  • Anti-money laundering
  • Banking & Finance
  • Competition and antitrust
  • Crypto disputes
  • Data protection and cyber security
  • Employment
  • Financial Services Regulation
  • Fraud detection and deterrence
  • Intellectual property
  • M&A
  • Pensions
  • Platform structuring
  • Scale ups
  • Securities Regulation
  • Start ups
  • Supply chain
  • Tax

Key areas in Fintech law

Blockchain and crypto assets

Blockchain technology is transforming the way we do business, creating significant opportunities for innovation while posing complex regulatory hurdles. Our team regularly advises digital and custodian wallet providers, crypto custodians, crypto asset trading platforms (often referred to as cryptocurrency exchanges), investment funds seeking to invest in crypto assets, as well as securities regulators and high-level government officials.

Blockchain and crypto assets

Blockchain technology is transforming the way we do business, creating significant opportunities for innovation while posing complex regulatory hurdles. Our team regularly advises digital and custodian wallet providers, crypto custodians, crypto asset trading platforms (often referred to as cryptocurrency exchanges), investment funds seeking to invest in crypto assets, as well as securities regulators and high-level government officials.

InsurTech

InsurTech

We advise insurers and service providers in all aspects of InsurTech – the use of technology in insurance-related processes and transactions. We combine a broad understanding of the underlying technology with an in-depth knowledge of the regulatory frameworks to provide full-service legal advice.

Experience in the market

Banking and Finance - FinTech Law - Client Work - TransferGo

TransferGo

TransferGo

Advised TransferGo, the payment services provider, to obtain permission from the Financial Conduct Authority to carry on business as a payment services institution in the UK.
Banking and Finance - FinTech Law - Client Work - Klarna

Klarna Bank AB

Klarna Bank AB

Trusted adviser to Klarna Bank AB, Europe's highest-valued private FinTech in the e-commerce space, regularly advising on a broad range of regulatory issues.
Banking and Finance - FinTech Law - Client Work - Milo Croton

Milo Croton Limited

Milo Croton Limited

Advised Milo Croton Limited (t/a HistoryMakr), a UK based NFT artwork provider, on the current and future applicability of the UK AML Regime to its business and FCA Registration requirements.
Banking and Finance - FinTech Law - Client Work - Molten Ventures

Molten Ventures PLC

Molten Ventures PLC

Advised investment company Molten Ventures plc in relation to a fundraise conducted by way of placing for a target issue of £100 million. The placing was oversubscribed and commitments were honoured.
Banking and Finance - FinTech Law - Client Work - TransferGo

TransferGo

TransferGo

Advised TransferGo, the payment services provider, to obtain permission from the Financial Conduct Authority to carry on business as a payment services institution in the UK.
Banking and Finance - FinTech Law - Client Work - Klarna

Klarna Bank AB

Klarna Bank AB

Trusted adviser to Klarna Bank AB, Europe's highest-valued private FinTech in the e-commerce space, regularly advising on a broad range of regulatory issues.
Banking and Finance - FinTech Law - Client Work - Milo Croton

Milo Croton Limited

Milo Croton Limited

Advised Milo Croton Limited (t/a HistoryMakr), a UK based NFT artwork provider, on the current and future applicability of the UK AML Regime to its business and FCA Registration requirements.
Banking and Finance - FinTech Law - Client Work - Molten Ventures

Molten Ventures PLC

Molten Ventures PLC

Advised investment company Molten Ventures plc in relation to a fundraise conducted by way of placing for a target issue of £100 million. The placing was oversubscribed and commitments were honoured.
Banking and Finance - FinTech Law - Client Work - TransferGo

TransferGo

TransferGo

Advised TransferGo, the payment services provider, to obtain permission from the Financial Conduct Authority to carry on business as a payment services institution in the UK.
Banking and Finance - FinTech Law - Client Work - Klarna

Klarna Bank AB

Klarna Bank AB

Trusted adviser to Klarna Bank AB, Europe's highest-valued private FinTech in the e-commerce space, regularly advising on a broad range of regulatory issues.
Banking and Finance - FinTech Law - Client Work - Milo Croton

Milo Croton Limited

Milo Croton Limited

Advised Milo Croton Limited (t/a HistoryMakr), a UK based NFT artwork provider, on the current and future applicability of the UK AML Regime to its business and FCA Registration requirements.
Banking and Finance - FinTech Law - Client Work - Molten Ventures

Molten Ventures PLC

Molten Ventures PLC

Advised investment company Molten Ventures plc in relation to a fundraise conducted by way of placing for a target issue of £100 million. The placing was oversubscribed and commitments were honoured.
Banking and Finance - FinTech Law - Client Work - TransferGo

TransferGo

TransferGo

Advised TransferGo, the payment services provider, to obtain permission from the Financial Conduct Authority to carry on business as a payment services institution in the UK.

Awards and recognition

"Working regularly with [the firm], we knew it understood our business and had the right blend of sector know-how and M&A expertise to support us."

CEO, tech company

We are proud to be ranked by both The Legal 500 and Chambers and Partners for our work in the financial services sector. The Legal 500 recognises our work in FinTech with David Brennan, Jocelyn Paulley and Sushil Kuner named as key lawyers in the space.

We also frequently provide insight at seminars, webinars and industry conferences on financial services and FinTech topics.

Key contacts

Sushil Kuner

Sushil Kuner

Principal Associate

UK Financial Services Regulation
Head of UK FinTech

London
David Brennan

David E Brennan

Partner

Co-Chair of Global Tech

London
View our team
Banking & Finance - FinTech Law - in-page

Related services

Commercial Disputes and LitigationFinancial Services Regulation

Related sectors

TechFinancial Institutions & Services

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Gowling WLG is an international law firm comprising the members of Gowling WLG International Limited, an English Company Limited by Guarantee, and their respective affiliates. Each member and affiliate is an autonomous and independent entity. Gowling WLG International Limited promotes, facilitates and co-ordinates the activities of its members but does not itself provide services to clients. Our structure is explained in more detail on our Legal Information page.

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