Fintech
Financial institutions and disruptive companies alike trust Linklaters' lawyers with their most complex Fintech projects.
We work with organisations in all stages of growth, from early-stage start-ups to established financial institutions.
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Fintech
Linklaters is at the cutting edge of developments in financial technology, partnering with fintech companies, developing our own AI and automated platforms and advising a diverse client base at all stages of growth across the full fintech spectrum. Learn more from our animation.
There are few sectors that can claim to have changed as dramatically in the last few years as the payments sector. The payments industry has faced unprecedented technological and regulatory change, which has significantly altered the competitive landscape of the industry.
26th June 2019 //
The PRA reviews neobanks’ readiness for an economic downturn – something which many newer firms have not experienced.
25th June 2019 //
Introducing our new mini-series exploring the course set by the Bank of England in its Future of Finance review.
25th June 2019 //
The EBA suggests that regulators could give some payment service providers more time to comply with SCA.
19th June 2019 //
Recently, the United States SEC filed a complaint against Kik Interactive Inc. We consider why this case will be critical for cryptocurrency regulation in the U.S.
20th June 2019 //
In the run up to this year’s G20 Summit, three new reports have come out from international bodies around decentralised financial technologies, cryptoassets and cryptoasset trading platforms. We look at some of the underlying messages for national regulators, which may be broadly indicative of the global direction of travel.
14th June 2019 //
We examine a very revealing statement from a UK regulator on the regulatory implications of adoption of artificial intelligence and machine learning technologies within the financial services sector and their expectations around governance and accountability.
7th June 2019 //
The Financial Conduct Authority confirms its new framework for regulating the peer-to-peer lending market.
3rd June 2019 //
An early stage draft of the law implementing the 5th AMLD in Germany drafted by the German Federal Ministry of Finance (BMF) introduces a licence requirement for “the custody, management and safekeeping of crypto-values or private cryptographic keys used to hold, store and transmit crypto-values for others".
24th May 2019 //
The new regimes aim to attract innovation by providing legal certainty, support and greater access to private capital for utility token issuers and digital asset service providers.
23rd May 2019 //
Linklaters is assisting the UK Jurisdiction Taskforce as it coordinates the preparation of an authoritative legal statement on the status of distributed ledger technology and smart contracts under English private law.
15th May 2019 //
Recent actions by US regulators highlight regulatory and enforcement developments in the cryptocurrency market.
29th April 2019 //
The Treasury is considering a ban on anonymous prepaid e-money cards in the UK to combat money laundering.
24th April 2019 //
The UK government proposes a shake-up of how the cryptoasset sector applies AML rules.
15th April 2019 //
The European Commission is advised to make changes to EU legislation on operational resilience and the supervision of third party service providers.
2nd April 2019 //
The UK Payment Systems Regulator will prioritise consumer outcomes in its upcoming regulatory agenda.
5th April 2019 //
The EU has just launched the European Forum for Innovation Facilitators – an initiative designed to ease scaling for fintech businesses across Europe.
10th April 2019 //
This is Howey Do it: The view from the SEC’s FinHub
2nd April 2019 //
The UK Payment Systems Regulator will prioritise consumer outcomes in its upcoming regulatory agenda.
28th March 2019 //
The Italian financial regulator proposes an “opt in” regime for regulation of ICOs and secondary trading of crypto-assets in Italy.
15th March 2019 //
EU Blockchain Observatory examines the factors that are likely to shape how blockchain platforms develop.
15th March 2019 //
The FCA’s first report on digital regulatory reporting shows the promise of automated compliance.
28th February 2019 //
The Financial Stability Board has published a report assessing fintech market developments and their potential implications for global financial stability.
25th February 2019 //
The Spanish Council of Ministers has approved a draft bill on the digital transformation of the financial system.
25th February 2019 //
Two themes have emerged as the U.S. Securities and Exchange Commission continues to work through the backlog of initial coin offerings.
1st February 2019 // Thought leadership
Our interactive Fintech UK and EU Regulatory Timeline outlines a selection of key fintech events in 2019
7th February 2019 //
The FCA-led Global Financial Innovation Network (GFIN) is now officially live, following its proposal last August.
30th January 2019 //
Investing in fintech via consortia – an innovative option with risks and opportunities for a GC to consider.
25th January 2019 //
The FCA has published a consultation paper setting out draft guidance to help market participants understand which types of cryptoassets fall in and out of the regulatory perimeter.
17th January 2019 //
As part of the Commission's Fintech Action Plan, the European financial services supervisors have compared regulatory sandboxes and innovation hubs.
14th January 2019 //
EU Commission’s High-Level Expert Group publishes draft ethics guidelines for trustworthy AI.
11th January 2019 //
ESMA and the EBA have outlined their analysis on how crypto-assets fit into the existing EU regulatory framework in two recent reports.
9th January 2019 //
The UK has established a temporary permissions regime to avoid a regulatory cliff edge for EEA financial services firms in the event of a no-deal Brexit.
21st December 2018 //
In its latest policy statement, the FCA gave new guidance to payment account providers and other payment service providers on how to meet their obligations under the revised Payment Services Directive (PSD2).
17th December 2018 //
Financial services firms need to do more to proactively address cyber risk. Find out more about the FCA’s cyber security recommendations for asset management and wholesale banking.
5th December 2018 // Publication
As part of Year in Review, Year to Come series, our global fintech team has contributed to a global fintech Year in Review and Year to Come. In this publication teams from 13 countries have summarised legal and commercial developments in the fintech space for 2018 and looked forward in predicting likely themes in 2019.
11th December 2018 //
Speaking at the FT Banking Summit last week, the General Manager of the Bank for International Settlements outlined some of the key challenges big tech poses for financial services policymakers.
28th November 2018 //
One of the themes we are expecting in 2019 is a greater regulatory scrutiny of firms’ operational resilience. The FCA have said that after Brexit this is their key priority.
26th November 2018 //
Jonathan Horan, Peiying Chua and Adrian Fisher look at the latest trends, challenges and successes of blockchain, including the opportunities and responsibilities associated with data.
22nd November 2018 //
UK Regulatory Taskforce recommends robust regulatory framework and effective enforcement regime to ensure sufficient investor protection in the cryptos market.
19th November 2018 //
Australia will begin the implementation of Open Banking from 1 July 2019, as the first phase of a broader regime that is intended to be rolled out across a number of sectors in respect of consumer data.
15th November 2018 //
SEC takes first enforcement action based on finding digital token trading platform operated as unregistered national securities exchange.
12th November 2018 //
A new federal ruling shows that US courts will likely continue to apply traditional principles of personal jurisdiction to emerging technologies.
8th November 2018 //
Our financial regulation experts, Annabella Fu van Bijnen and Sumit Indwar, discuss the latest fintech trends and opportunities in Hong Kong and China.
7th November 2018 //
Artificial intelligence is moving into the mainstream and raises a number of practical, legal and ethical challenges. If you are looking to exploit this technology you need to address these issues, many of which are new and need new responses.
5th November 2018 // Publication
With the irreversible and global trend of digitalisation, investment in Hong Kong fintech firms in 2017 more than doubled that in 2016. In China, the high levels of internet and mobile penetration makes it one of the world’s largest and most developed e-commerce and fintech markets. So what are the key things to look out for if you’re a fintech in Hong Kong or China?
5th November 2018 //
Artificial intelligence is moving into the mainstream and raises a number of practical, legal and ethical challenges. If you are looking to exploit this technology you need to address these issues, many of which are new and need new responses.
Key fintech events
Our Fintech lawyers regularly speak at events and conferences across the world. Swipe or scroll through the events for a brief summary.
