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.

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 know

Fintech


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.
Meet our fintech lawyers
For more information on how our fintech team can support you, please speak to one of our fintech lawyers below

Find a Linklaters fintech lawyer in your region

European Parliament calls for progressive regulation on blockchain technology

15th October 2018 //

EU Parliament suggests how to make the EU a leader in DLT – but which ones will be taken forward?

Google eases ban on crypto ads in US and Japan

11th October 2018 //

As regulation tries to keep up with fintech, industries reliant on advertising for revenue tread a fine line between convincing advertisers that their ecosystems are safe from regulatory penalties and capitalizing on new opportunities for profit.

UK e-money sector passes AML test

5th October 2018 //

According to the FCA, the UK’s e-money institutions have effective controls for tackling money laundering but there is still room for improvement.

Our US lawyers consider the latest round of enforcement and regulatory guidance on crypto assets

3rd October 2018 //

US authorities come out swinging in the latest round of enforcement and regulatory guidance on crypto assets

DIFC Courts and Smart Dubai to launch world’s first “Court of the Blockchain”

1st October 2018 //

A new blockchain court in the Dubai International Financial Centre will be set up to resolve smart contract disputes

UK Digital Currencies Inquiry recommends regulation of “Wild West” crypto-assets

26th September 2018 //

The Treasury Select Committee calls for regulation of what it calls the “Wild West” crypto-asset market to address consumer protection and money laundering concerns.

Could the EU regulate ICOs via its Crowdfunding Regulation?

20th September 2018 //

Could the draft Crowdfunding Regulation show how EU law will regulate ICOs?

FCA’s revised approach to regulating the UK crowdfunding industry

10th September 2018 //

The FCA has finished its probe into the UK crowdfunding industry. But what will it mean for P2P platforms?

European Parliament considers competition challenges in fintech sector

10th August 2018 //

A recent study suggests that a combination of competition law and other regulatory measures will be needed to ensure the competitive evolution of the fintech ecosystem.

Fintech

FCA proposes applying its fundamental rules to payment services and e-money firms

6th August 2018 //

The FCA has proposed applying its basic expectations of firms to the payments services industry.

Fintech

A Global View of Initial Coin Offerings (ICOs) and Regulation

5th July 2018 // Thought leadership

This guide is designed to help you navigate the complex legal and regulatory matters surrounding Initial Coin Offerings (ICOs) and token regulation in your region. This guide covers the U.S., the UK, the UAE, Japan, Thailand, Indonesia, Singapore, Hong Kong, France, Germany, and Belgium.

Fintech

Smart Contracts and Distributed Ledger – A Legal Perspective

3rd August 2017 // News

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

Digital Transformation: be the facilitator of change

4th April 2018 // Publication

In our new report, co-authored by Microsoft and Linklaters, we demonstrate how digital transformation presents an opportunity for lawyers to influence, to collaborate and to partner with a range of stakeholders to enable the delivery of secure and compliant digital transformation solutions.

Fintech

The European Commission’s Approach to AI

26th April 2018 // News

The European Commission has put forward a European approach to artificial intelligence to shape the conditions for its development and use.

Singapore's MAS proposes guidelines to protect users of e-payments

25th April 2018 //

The Monetary Authority of Singapore has issued a consultation paper on proposed guidelines to protect users of e-payments.

Singapore financial industry to develop guidance on responsible use of data analytics

4th April 2018 //

The Monetary Authority of Singapore has produced a guide of key principles and best practices for the use of AI and data analytics and will cover all segments of the financial sector, including fintech firms.

 

European Banking Authority fintech roadmap

16th March 2018 //

Following the Commission's fintech action plan, the EBA has published its own fintech priorities for the next couple of years.

Potentially unlawful U.S. online platforms

15th March 2018 //

Our analysis of the recent statement issued by U.S. Securities and Exchange Commission on potentially unlawful platforms trading digital assets.

U.S. SEC statement on potentially unlawful online platforms

14th March 2018 //

The statement answers the critical question of whether exchanges that allow token holders to trade tokens need to register as a national securities exchange or operate pursuant to an exemption from registration.

European Commission's fintech action plan

12th March 2018 //

As part of its strategy for a Capital Markets Union and the Digital Single Market, the European Commission's fintech action plan includes a proposed regulation for crowdfunding services.

Hong Kong Monetary Authority highlights BCBS fintech implications paper

2nd March 2018 //

The report assesses how technology-driven innovation in financial services may affect the banking industry and the activities of supervisors in the near to medium-term.

HKMA proposes changes to guidelines for authorisation of virtual banks

14th February 2018 //

The Hong Kong Monetary Authority has launched a consultation on proposals to amend its Guideline on Authorization of Virtual Banks.

U.S. regulators outline approach to virtual currencies, ICOs and distributed ledger technologies

13th February 2018 //

In testimony before the U.S. Senate Banking Committee, the two leading U.S. financial regulators struck a measured balance between optimism and caution on virtual currencies.

Hong Kong Securities & Futures Commission warns of cryptocurrency risks again

9th February 2018 //

Having received complaints from investors, the SFC has written to ICO issuers and cryptocurrency exchanges about compliance with the Hong Kong regulatory regime.

Fintech

Financial Regulation – Year in Review and Year to Come

21st December 2017 // Publication

What happened in 2017 and what is coming up in 2018? To help you keep track of all key developments on the regulatory horizon we have prepared a year in review and year to come guide.

UK FCA's feedback on distributed ledger technology

15th December 2017 //

The regulator's review of DLT strikes a balance between innovation and regulation and flags some legal and regulatory risks for digital currencies, smart contracts and ICOs.


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.

London Fintech Week | July 2018

We attended London Fintech Week in July 2018. Harry Eddis chaired the “Blockchain and Financial Services: How does Blockchain fit within the regulatory environment?” panel on Wednesday 11 July and we proudly sponsored Blockchain day.
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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.

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”.
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We partner with some of the world's leading fintech organisations

The Fintech 50 | 2017

The FinTech 50 2017 logo

Tech UK

Tech UK member logo

Singapore Fintech Association

FinTech Singapore logo

Innovate Finance

innovate finance logo

Accord Project

Accord logo