Fintech

Financial institutions and disruptive companies alike trust Linklaters with their most complex FinTech projects. We believe it is a testament to this experience that we have worked with such a diverse client base at all stages of growth, from early-stage start-ups to established financial institutions.

We have consistently held the position of market-leaders in advising on the application of new technologies to finance, from the implementation of SWIFT payments to the advent of blockchain and digital currencies, and everything in-between. Long before the term “FinTech” was coined, we had been working on many of the most prominent and ground-breaking technological developments in financial markets for many years.

Our strong relationships with regulators, banks, insurers, funds and infrastructure and service providers mean that we understand the issues that affect every area of the financial technology ecosystem. This enables us to deliver incisive, informed and innovative advice across the fintech spectrum.

Event highlights 
  • Blockchain week – London, January 2018. Julian Cunningham-Day chaired a panel at Blockchain week 2018 exploring enterprise blockchain trends focussing on what tangible benefits we will see for enterprise blockchain in the next year.
  • Blockchain workshop – London, January 2018. Linklaters hosted a two-day blockchain developer workshop run by The Blockchain Connector. This event, which was attended by approximately 25 developers, financial professionals and legal advisers, featured a combination of talks and hands-on development of decentralised applications on the Ethereum platform.
  • Blockchain and energy conference – London, November 2017. Linklaters was proud to sponsor the inaugural eBlockchain conference, which brings together innovators and influencers in the blockchain and energy space to talk about smart contracts, tokens and the current state of play.
  • Fintech Festival, Singapore, November 2017. Linklaters was delighted to participate in this inaugural week-long Festival which brings together a series of distinct, back-to-back fintech events. We were once again ‘Friends of FinTech’ sponsors for the Festival and hosted three events: a workshop on “Leading the customer’s digital journey”; an industry drinks networking event; and our very own “Legal Scrum”.

  • FinTech Week, London, July 2017. Linklaters were delighted to sponsor London Fintech Week for the third year and be the key sponsor for the blockchain and cybersecurity day on 13 July. The week comprised a series of conferences, hackathons, exhibitions and parties intended to bring together leading innovators and investors in the fintech space.

    London FRG Partner Harry Eddis moderated a panel discussion on the topic: “Cryptocurrencies 2.0: a discussion on central bank digital currencies (CBDCs)”.

Further Reading 

FCA Feedback Statement Highlights: This 2-pager summarises the UK FCA Feedback Statement on its Discussion Paper (DP 17/03) on Distributed Ledger Technology (DLT) - published December 2017. The FCA strikes a careful balance between innovation and regulation and flags key legal and regulatory risks in relation to digital currencies, smart contracts and ICOs.

U.S. Regulators Outline Approach to Virtual Currencies, ICOs and Distributed Ledger Technologies: This client alert discusses U.S. regulators' approach to the prospects and challenges in the market for virtual currencies following a recent testimony before the U.S. Senate Banking Committee. 

Smart Contracts and Distributed Ledger – A Legal Perspective is a whitepaper, co-authored and published by the International Swaps and Derivatives Association (ISDA) and Linklaters.

Blockchain Reaction 9 months on: This updated Blockchain Reaction report by our Australian alliance firm, Allens, examines the blockchain landscape, covering topics such as how regulators are addressing the risks associated with DLT, potential interoperability issues, real-life use cases and the benefits of robust governance structures.

For Fintech, challenges and opportunities lie ahead: The wave of financial technology companies, more popularly called fintech firms, has affected our lives in many ways, including in Indonesia, as fintech offers simplicity, speed, cohesiveness and streamlined processes. Many fintech players, such as Doku, Uang Teman, Iwak, Tanihub, Amartha, Go-Pay, Investree and many more, are already offering a variety of services in Indonesia.

London Fintech Week 2016 QuotesFintech Week reminded us all about the massive scale of activity and creativity taking place in London right now. Regulators, incumbents, innovators and advisers are all in the mix, helping to make new financial technologies a reality for consumers and businesses.

Blockchain Reaction: A report by our Australian alliance firm, Allens, designed to assist business stakeholders, decision makers and in-house counsel across a variety of sectors to understand the technology and how it is being used, as well as navigate the regulatory and legal opportunities and challenges. Along with how distributed ledger technology should be governed and regulated, the report considers the key concepts, current and potential use cases, and the looming transformation posed by smart contracts. It also provides recommendations for businesses and regulators.

Fintech: the next wave of disruption: Adrian Fisher, Counsel in our Singapore office, looks at why fintech is such a disruptive force and the opportunities and challenges it presents for key market players.

 Partnerships 

The FinTech 50 2017 logo

Tech UK member logo

FinTech Singapore logo

Accord logo

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