Whether you are a start-up, or an established player embracing innovative products and servicesor embarking on an ICO (or 'TGE'), our specialist FinTech Team has the market-leading expertise to ensure that your FinTech (or RegTech, Robo-Advice, InsurTech or blockchain) venture has the best prospects of success.
FinTech is the label used to describe the range of technological applications bringing innovation to banking, payment systems, insurance, derivatives, and asset management services. It includes:
- Blockchain or other distributed ledger-based applications in the financial services sector.
- Digital banking, payment and trading systems.
- Peer-to-peer lending and insurance.
- Robo-advice – the use of artificial intelligence and machine learning to provide personalised financial advice.
- InsurTech – driven by advances in blockchain, AI and smart contracts.
Our FinTech experts work closely alongside our technology, intellectual property, data, privacy, and corporate and tax specialists, to provide advice and targeted solutions for your business. We have advised FinTech ventures in relation to 'token generating events', digital asset exchanges, banking and peer-to-peer lending, payments including digital wallets and contactless solutions, online trading platforms, capital markets, custody, derivatives, asset management, financial advice and insurance. We have also advised funders to and investors in FinTech ventures.
Navigating the regulatory environment
A clear assessment of the regulatory environment and associated risks is critical to the success of your FinTech venture. Our financial services regulatory experts will ensure you get your compliance right from the start. In addition to registration and licensing requirements for financial service providers, we advise on the full suite of securities, consumer credit and responsible lending laws, market conduct, privacy and data protection, anti-money laundering rules, and other prudential regulations for banks, non-bank deposit takers and insurers, as well as providing financial advice. View our financial sector regulatory expertise here.
Data, privacy, cyber-security and customer trust
Data is critical to most FinTech business models. Unlocking the value of your data requires an understanding of current and emerging trends in data protection and privacy laws, as the "open data" movement challenges ownership and control of data as a valuable business asset.
Intellectual property and contracting
Our team’s experts can advise you on how to protect your proprietary algorithms and software, and assist in the negotiation of confidentiality and licensing arrangements. We will also advise you on how to contract effectively (with appropriate safeguards) with your customers, employees, and commercial partners.
Capital structure, shareholder arrangements and governance
To maximise flexibility and future value, our team will ensure your corporate and capital structure is fit-for-purpose and tax-efficient. We can advise you on best practice governance protocols and help you bring on board equity investors, and debt funders and prepare for a listing. When it is time to scale, or to look to offshore investors, we can use our international connections to provide you with multi-jurisdictional legal, regulatory and tax advice.
Joint ventures and alliances
We are increasingly seeing start-ups and incumbents entering into FinTech partnerships. We can advise on the most effective collaboration structure and help you negotiate the best outcome for your business and shareholders.