Firms To Watch: Fintech

Ernst & Young LLP bolstered its capabilities in the fintech sector with the hire of Addleshaw Goddard practice head Fiona Ghosh in early 2022.

Fintech in London

A&O Shearman

From digital assets to smart contacts and major fintech projects across multiple jurisdictions, A&O Shearman‘s offering runs the fintech gamut with blockchain, cryptocurrencies, and financial instruments linked to digital banking additional areas of expertise. The firm is a popular destination for clients ranging from disruptive start-ups to global institutions. Ben Regnard-Weinrabe leads the payments law practice and is the global fintech co-lead. His far-reaching regulatory practice spans expertise in central bank digital currencies and e-money transactions. William Samengo-Turner is co-head of technology for EMEA and is regularly called upon to assist major corporations with digital transformations. Nikki Johnstone is equipped to assist with the regulatory framework and contractual structuring of new financial products. Jane Finlayson-Brown has in-depth knowledge of  large scale outsourcing projects, while data protection issues are an area of strength for Karishma Brahmbhatt. Rory Copeland‘s experience extends to obligations and promotion rules concerning payment services. Charlotte Rowlandson is a key contact for private acquisitions and disposals in the fintech space.

Practice head(s):

Ben Regnard-Weinrabe; Will Samengo-Turner

Other key lawyers:

Nikki Johnstone; Jane Finlayson-Brown; Karishma Brahmbhatt; Rory Copeland; Jamie Greenwood; Charlotte Rowlandson

Key clients

Atalaya Capital Management

Bridgepoint Advisers Limited

McPike Global Family Office

Western Union


eBay Inc.


Remitly, Inc.


Work highlights

  • Advised a bank syndicate comprising BNP Paribas, HSBC and RBC Capital Markets on the European Investment Bank’s inaugural issuance of sterling-denominated digital bonds, also marking the first public issuance HSBC’s tokenisation platform.
  • Advised the digital bank Zopa on its latest funding round that raised £75 m ($93m to drive its next phase of growth.
  • Provided UK payments regulatory and other financial services (including AML) advice to Remitly in connection with their acquisition of Rewire.

Clifford Chance LLP

Clifford Chance LLP‘s far-reaching fintech practice spans advice on technology such as blockchain, artificial intelligence and insurtech, fintech litigation and M&A. The unit is also active across financial regulation, tax, IP and data privacy. Clients include financial institutions, tech-focused corporates, and fintech and insurtech disruptors.  Simon Crown, who co-leads the team, has a high level of experience relating to the impact of Brexit on payments businesses. Kate Scott completes the leadership team and is particularly strong in follow-on litigation from regulatory investigations. Monica Sah‘s wide-ranging portfolio of work extends to crypto asset regulation, while Caroline Meinertz has significant experience in the transaction services sector, and Simon Gleeson is frequently engaged by governments and regulators to help with the establishment of regulatory regimes. Diego Ballon Ossio and Laura Douglas are both well versed in financial services in the metaverse and Web3.

Practice head(s):

Simon Crown; Kate Scott

Other key lawyers:

Monica Sah; Caroline Meinertz; Simon Gleeson; Jeremy Walter; Diego Ballon Ossio; Laura Douglas


‘They provide timely and detailed advice on crypto related matters (including areas that are still evolving).’

‘Monica Sah and Laura Douglas  are responsive, provide answers and advice in a timely manner and address the key pain points that we flag.’

Key clients



Central Bank of the UAE (CBUAE)

Work highlights

  • Advising HQLAᵡ on a range of various developments, including with pilots of potential future use cases.
  • Advising the Central Bank of the UAE (CBUAE) on its Central Bank Digital Currency (CBDC) Implementation Strategy.
  • Advising a leading blockchain solutions provider on the establishment of its crypto-asset exchange.

Hogan Lovells International LLP

Payments, financial services regulation and technology issues – such as blockchain, cryptoassets and the financial services implications of AI – make up some of the key pillars of Hogan Lovells International LLP‘s wide-ranging offering. The practice is jointly overseen by global head of fintech, Emily Reid; head of the financial services regulatory practice, Jonathan Chertkow; head of of the digital assets and blockchain practice, John Salmon, and co-head of the sustainable finance and investment group Bryony Widdup – who joined from DLA Piper in November 2022. Michael Thomas is well placed to assess the regulatory feasibility of the use of crypto-based tokens, while James Black is a go-to name for major digitilasation projects. Payments specialist Roger Tym is regularly sought out by major payment services disruptors, while Anthony Doolittle frequently advises crypto exchanges on corporate governance matters. Jennifer Staniforth, James Sharp and Mark Orton further extend the fintech expertise at the firm.

Practice head(s):

Emily Reid; John Chertkow; John Salmon; Bryony Widdup

Other key lawyers:

Michael Thomas; James Black; Roger Tym; Anthony Doolittle; Jennifer Staniforth; James Sharp; Mark Orton; Elizabeth Greaves; Charlie Middleton


‘The team is in touch with current and emerging trends, and executing on innovative and impactful projects.’

‘Excellent legal advisers, highly personal and engaged. Deep content knowledge and experience and willingness to innovate, even in a start-up environment.’

‘In touch with current and emerging trends, and executing on innovative and impactful projects.’

Key clients

AXA PPP Healthcare Group Limited






Credit Karma

Credit Kudos

Curve UK Limited


Cordoba Capital Markets

Fairscore / Updraft



Fluro Platform Limited

Global Digital Finance

Gaia Family



Monzo Bank

Open Banking Limited

Offgrid Finance





Pivotal Group

Santander Innoventures





Latham & Watkins

Praised for handling complex mandates ‘at the intersection of technology and regulation’, Latham & Watkins advises across the fintech spectrum, with market infrastructure, blockchain, consumer credit and insurtech among the group’s key areas of strength. The London-based Andrew Moyle, global co-chair of the firm’s fintech industry group, is equipped to handle complex cross-border technology deals for clients from a wide variety of sectors. Stuart Davis leads the London fintech team and is praised for combining ‘deep technical expertise’ with commercial sensibilities.  Payments and crypto specialist Christian McDermott is noted for his focus on the monetisation of assets via NFTs. Sam Maxson is particularly strong in the field of cryptoassets, while financial regulation expert Gabriel Lakeman is a key contact for banks, insurers and investment companies. Brett Carr‘s diverse practice extends to advising central banks on fintech regulatory regimes.

Practice head(s):

Andrew Moyle

Other key lawyers:

Stuart Davis; Christian McDermott; Gabriel Lakeman; Sam Maxson; Brett Carr


‘Brilliant understanding of the payments market. They provide excellent commercial advice.’

‘Stuart Davis is an exceptional payments and fintech lawyer. He understands complex regulatory issues and provides excellent commercial advice.

Christian McDermott is very responsive. He has a deep knowledge of the market and is always focused on providing high-quality and practical advice.

Brett Carr is one to watch. He has excellent industry and market knowledge. He is very responsive and consistently delivers timely and actionable advice.

‘Superb knowledge at the intersection of technology and regulation.’

‘Stuart Davis has deep technical expertise but at the same time his advice is commercial and actionable.’

‘World class team. I would not hesitate to label them the best fintech team out there.’

‘Andrew Moyle is a master of bringing clarity and clear strategy through the most complex of problems.’

Work highlights

  • Advising Floww on regulatory, commercial and corporate structuring matters in relation to its platform launch and fundraising.
  • Advising Transcard on all aspects of its expansion into the UK and Europe.
  • Legal counsel to Elwood Technologies, providing legal and regulatory advice and advising on its £70m Series A financing round.

Linklaters LLP

A diverse mix of financial institutions, payment servicers providers and disruptive start-ups turn to Linklaters LLP for its ‘excellent guidance through the relatively uncharted waters of fintech’. The team is especially well regarded for its expertise across blockchain, the digitialisation of financial markets and products, payment systems, investment in fintech, and data and tech investigations, enforcement and litigation proceedings. Global practice co-head Julian Cunningham-Day is equipped to advise on the commercial and regulatory aspects of complex collaborations, while fellow global co-head Harry Eddis is an authority on novel ways to deliver payments services. Fionnghuala Griggs, also a global co-head, frequently advises on M&A deals in the fintech arena. UK head of fintech Richard Hay’s workload includes international projects involving digital securities, while Michael Voisin is noted for his wide-reaching work on derivatives-related activities. Ben Packer, Lisa Chang and Sam Quicke are further key contacts at the firm.

Practice head(s):

Julian Cunningham-Day; Harry Eddis; Fionnghuala Griggs; Richard Hay

Other key lawyers:

Michael Voisin; Lisa Chang; Ben Packer; Sam Quicke; Katharine Collard; Olivia Murphy; So Yeon Um; Arjun Lakhani


‘The team has lawyers with strong payments experience and provides timely client updates on relevant issues.’

‘Jean Price provides great practical advice.’

The team is excellent at guiding a client through the relatively uncharted waters of fintech. They gave first class advice that presciently anticipated many of the risks that materialized with the turbulence of the crypto market.’

Richard Hay is a stand out lawyer. He is able to explain complex concepts and risks in simple language. He is also able to accompany clients well during the development phase of a fintech project when the client is moving fast, breaking things and experimenting.’

‘Exceptional service levels and engagement from day one. They are always on hand and provide the best service possible. Synced and operating at the highest levels, at all times.’

Key clients

Fnality International Ltd, Fnality UK Ltd

United Nations High Commissioner for Refugees (UNHCR –The UN Refugee Agency)

International Swaps and Derivatives Association, Inc.


Work highlights

  • Continuing to act on a project for Fnality International Ltd to develop a new global wholesale payment system based on blockchain technology.
  • Advised Revolut on a number of matters, including advising on its series E funding round led by SoftBank.

Norton Rose Fulbright

Engaged by clients including major financial institutions, trade bodies, insurtech startups and payment infrastructure providers, Norton Rose Fulbright advises on matters across the fintech spectrum, including payments systems,  distributed ledger technology, digital assets, decentralised finance and transformative transactions. The practice is jointly led by five partners. Global head of fintech Sean Murphy is well placed to advise on the development and deployment of financial services technology. Co-head of payments Victoria Birch advises clients ranging from governments to start-ups on fundraisings, regulatory compliance strategic investments into fintech companies. Fellow co-head of payments Albert Weatherill advises on a broad range of domestic and cross-border financial services regulatory matters. Hannah Meakin, who heads the fintech regulation department, is an authority on the use of distributed ledger technology in relation to market infrastructure and commodity derivatives. Head of insurtech Nicholas Berry, who completes the leadership team, has an in-depth understanding of the deployment of emerging technology in the insurance space. James Russell and Michael (Mike) Knapper  are further names to note.

Practice head(s):

Sean Murphy; Victoria Birch; Albert Weatherill; Hannah Meakin; Nicholas Berry

Other key lawyers:

James Russell; Michael (Mike) Knapper ; Matthew Gregory


‘Global reach and office network and a cultural and commercial willingness to work with start-ups/fintechs as well as big corporations.’

‘Strong expertise in trademarks and payments.’

The team is very knowledgeable at what they do and have stood us in good stead over a consistently long period of time. They are my go-to legal advisors in the UK and I would be lost without their commercial focus and sound advice that I know I can trust.’

‘An exceptional team, combining deep expertise from both a legal and a technical and operational perspective.’

Key clients



Aquiline Capital Partners




HSBC Investment Bank

Global Parametrics

Global Blockchain Business Council

IG Markets




Nexus Mutual

Northern Trust


Paxos (formerly itBit)


Post Trade Distributed Ledger Group


Revenio Capital


Stable Group

Standard Chartered Bank

Starling Bank





Work highlights

  • Advising the Global Blockchain Business Council (GBBC) on its merger with Global Digital Finance Limited (GDF).
  • Advising COWA on its $100 million Series A funding round and follow-on debt and equity rounds.
  • Advising Aquiline Capital Partners LLC on its acquisition of a controlling stake in Ripe Insurance.


Acting for global banking and financial services clients as well as fintech start-ups and disruptors, Ashurst‘s fintech practice is especially active in matters relating to digital assets, digital money – such as central bank digital currencies – and the creation of digital platforms. A small number of partners jointly chair the practice: Etay Katz, known for guiding major banks through technological transformations; David Futter, whose fintech practice extends to the development of digital platform based payment projects; Jonathan Cohen, particularly active in the UK neo-bank sector; Tara Waters, a technology specialist with notable experience of work involving distributed ledgers and cryptoassets; and Bradley Rice, who is handling a growing volume of mandates related to the emergence of new forms of digital money. Jacob Gold and Daniel Franks are further key contacts.

Practice head(s):

Etay Katz; David Futter; Jonathan Cohen; Tara Waters; Bradley Rice

Other key lawyers:

Jacob Gold; Daniel Franks; Sidika Ulker


‘Etay Katz is outstanding: incredible business and industry understanding; extremely solution-oriented and capable.’

‘Very good knowledge and commercial awareness of the team that can collaborate across different areas’

‘a team of bright, highly commercial, and client-oriented people who enjoy collaborating with one another and creating innovative solutions for modern-day problems.’

Key clients

British Business Bank

Goldman Sachs

Asto Digital (Part of Santander Group)

eToro Group


Nomisma Exchange

McLaren Group

Monument Bank

Vauban Technologies Limited

Zenus Bank


Ramp Swaps


Online Giving (dba Enthuse)

Step Ladder

Spark Change

Banking Circle

Work highlights

  • Advised Goldman Sachs on the development and launch of its proprietary, multi asset class digital platform, GS DAP™.
  • Assisted Fintech trading platform, eToro, with its multi-billion dollar flotation on the US stock market alongside external US counsel.
  • Advising AFME’s in respect of digital transformation and its response to ESMA’s call for evidence on the DLT Pilot Regime.

Baker & McKenzie

Noted for its capabilities in new technologies such as AI and blockchain, Baker McKenzie provides structuring, regulatory, technology and strategic advice for a wide range of clients including financial services companies, private fintech businesses and digital platforms.  The unit is additionally well regarded for its advice on tax issues, particularly in the digital payments space. Leadership duties are split between technology expert Sue McLean, who advises on issues ranging from cloud computing to digital transformation, and financial services specialist Mark Simpson. Sarah Williams is well placed to advise on matters concerning retail investment platforms.

Practice head(s):

Sue McLean; Mark Simpson

Other key lawyers:

Sarah Williams

Key clients



De Giro





Raisin Deposit Solutions



Work highlights

  • Advised Ahli United Bank on its acquisition of Citi’s consumer banking business in Bahrain.
  • Advised UBS on its transnational placement of $50m digital securities on a permissioned blockchain.

Bird & Bird LLP

Praised for being ‘fully immersed in the industry’, Bird & Bird LLP‘s fintech practice is particularly strong across payment services, blockchain, open data and crowdfunding. The team combines expertise in commercial and regulatory work, disputes, tech outsourcing and IP. Disruptive digital technology expert Jonathan Emmanuel heads the practice and has longstanding experience of advising on complex technology outsourcing mandates. Electronic cash, cryptocurrency and payment mechanisms are all areas of expertise for Trystan Tether. Christian Bartsch has a proven track record in managing projects across multiple jurisdictions, while Gavin Punia has fostered particular experience in the regulation of digital wealth management services. Thomas Hepplewhite  and Christina Fleming are further key contacts.

Practice head(s):

Jonathan Emmanuel

Other key lawyers:

Trystan Tether;  Christian Bartsch; Gavin Punia; Thomas Hepplewhite; Christina Fleming


‘The team all focus on fintech as a division of the technology transactions team so they are fully immersed in the industry.’

‘Jonny Emmanuel heads the team. He has real passion for the subject area, exceptional knowledge and he is really engaged with the team and what they’re working on.

‘Christina Fleming is excellent, she has good command of the subject area and is easy to work with.’


Key clients

A large bank in the Middle East

Crypto Open Patent Alliance (COPA)




Work highlights

  • Assisted a large bank in the Middle East in relation to the negotiation of a £20m+, long-term Master Services Agreement to govern the call-off of outsourced IT services.
  • Handling litigation in relation to the ownership rights of Bitcoin  following a competitive tender process run by Crypto Open Patent Alliance (COPA).
  • Advised Santander on its £25m debt facility arrangements for Fibre & Wireless, one of the UK’s regional altnets.


CMS pulls together a strong offering that covers the fintech spectrum encompassing expertise in online platforms, digital assets, fundraisings, and disputes. The unit is additionally well regarded for its support of fintech start-ups through the firm’s equIP start-up programme. Practice chair Ian Stevens‘ broad practice includes assisting financial services clients with the procurement and supply of new technology platforms. Charles Kerrigan is well placed to advise on the law and regulation of digital asses in the UK, while new technology expert Sam Robinson is described as ‘one of the most knowledgeable people in the industry.’ Anthony Waller contributes his corporate expertise to the firm’s offering, while Vanessa Whitman  frequently handles fintech and crypto disputes. Embedded finance expert Fiona Henderson and intellectual property transactions specialist Daniel Gallagher are also recommended.

Practice head(s):

Ian Stevens

Other key lawyers:

Charles Kerrigan; Sam Robinson; Vanessa Whitman; Kushal Gandhi; Fiona Henderson; Daniel Gallagher


‘We have used multiple law firms. They all claim to have specialist knowledge of the payments environment. None has ever come close to CMS’s level of knowledge.’

‘Sam Robinson is one of the most knowledgeable people in the industry.’

‘All interactions with CMS individuals are easy as they are relaxed and focused.’

Key clients



Lloyds B



Metro Bank

Clydesdale Bank




Silicon Valley Bank





Blenheim Chalcot


Global Growth Capital

JP Morgan

Parmenion Capital Partners

Charles Taylor InsureTech

Pension Insurance Corporation


Property Partner






Bud Financial








Cent Finance




Deontic Data

Distributed Finance





Hello Cash

IE Hub





Lab 1





MAX Group


Montis Digital














Swoosh Transfer





WVE Money



Work highlights

  • Advised Bloom on a private securitisation consisting of a senior note issuance to various Fortress entities and in an equity raise.
  • Advised Archax, the only FCA regulated blockchain based investment exchange in the UK, on various matters, including the launch of its investment platform.
  • Advised NatWest Group on its acquisition of a majority shareholding in Cushon.

Deloitte Legal

Deloitte Legal covers a myriad of fintech issues spanning digital payments, AI, digital identity and insurtech. The unit sits within a firmwide fintech team that is able to call upon expertise in areas such as corporate finance, tax and consulting. Practice head Chris Hill is an IT lawyer whose wide-ranging offering extends to open banking and fintech contracting. Clare Jenkinson, who joined from HSBC in July 2022, is well placed to advise on large multi-business regulatory change projects. Cryptocurrency specialist Rich Folsom is equipped to handle disruptive data projects, while Richard Aitchison further extends the commercial and regulatory expertise at the firm. Jake Ghanty left in February 2023.

Practice head(s):

Chris Hill

Other key lawyers:

Clare Jenkinson; Rich Folsom; Richard Aitchison

Key clients





Banking Circle



Nala Payments

Credit Kudos



Work highlights

  • Advising GoHenry on its series B funding round and its acquisition of Pixpay.
  • Advising ESG fintech Ekko on its partnership agreement with REPX to allow sports fans to carbon offset their purchases at stadiums.
  • Advising SME finance platform Debite on its regulatory structure and the set-up of its new product lines.

DLA Piper

DLA Piper advises a mix of banks, fintechs and trading platforms on a wide range of  transactional and regulatory mandates. The team is additionally well placed to advise companies on the implementation of blockchain technology solutions and the creation of digital assets. Martin Bartlam and Anthony Day chair the practice; Bartlam is well versed in matters related to NFTs and digital infrastructure, while Day is a specialist in the regulatory aspects of fintech. Sophie Lessar frequently advises on payments services and virtual assets, while Marina Troullinou is singled out for her expertise in the regulation of digital securities. Bryony Widdup left the firm in October 2022.

Practice head(s):

Martin Bartlam; Anthony Day

Other key lawyers:

Sophie Lessar; Marina Troullinou

Key clients

London Stock Exchange Group

Dubai Virtual Asset Regulatory Authority

GoHenry Limited

Work highlights

  • Advised the London Stock Exchange Group (LSEG) on establishing a decade-long strategic partnership with Microsoft.
  • Worked with the Dubai Virtual Assets Regulatory Authority (VARA) on the creation of the Emirate’s virtual asset specific regulatory framework.
  • Advised GoHenry on its acquisition by Acorns Grow Incorporated.


Turned to by a number of fintechs, banks and high-growth startups, Fieldfisher‘s strong fintech offering encompasses technology infrastructure, the establishment of trading and peer-to-peer platforms and the commercial and regulatory side of payment solutions. Practice head Simon Briskman‘s diverse practice extends to advising on SaaS adoption and cloud-based core banking systems. John Brunning is well placed to advise on fast-moving technologies and emerging risks. Tech-focused VC and M&A lawyer Tom Ward acts for a wide range of fast-growth VC -backed companies, while Thomas Colmer is praised for his ‘deep industry expertise on the corporate side of capital markets fintech‘. Tim Bird is well versed in cross border M&A transactions. Simon Lafferty is also recommended.

Practice head(s):

Simon Briskman

Other key lawyers:

John Bruinning; Tom Ward; Thomas Colmer; Tim Bird; Simon Lafferty


‘Excellent, considered advice.’

‘Deep industry knowledge of capital markets IT landscape.’

‘Thomas Colmer has deep industry expertise, having also worked on the corporate side of capital markets fintech.’

Key clients

SymphonyAI LLC

Trading Technologies International, Inc.

Phides Holding Limited

Genesis Global Technology Limited


Hammock Financial Services

Strategic Software Applications Ltd (trading as Ruleguard)

Pushpull Technology Limited

Leeds Equity Partners

Tembo Money

BondAuction Ltd

MarTrust Corporation Limited

Singletrack Systems Ltd

Herbert Smith Freehills LLP

From major banks and insurers to start-ups and challenger businesses, Herbert Smith Freehills LLP advises at all levels of the fintech ecosytem. The broad practice is known for its strengths in regulatory matters, data protection and blockchain and digital assets. Practice co-head Nick Pantlin has specialist expertise in the application and adoption of emerging technologies in the financial services and fintech sector, while fellow co-head Caroline Rae is noted for the depth of her transactional acumen. David Coulling has a focus on transformational tech-driven deals, while Marina Reason‘s broad practice extends to strategic structuring and licensing perimeter advice. Chris Bushell frequently handles contentious matters related to digital assets. Alex Cravero has an in-depth understanding of mandates concerning blockchain, artificial intelligence and machine learning.

Practice head(s):

Nick Pantlin; Caroline Rae

Other key lawyers:

Barnaby Hinnigan; David Coulling; Marina Reason; Chris Bushell; Alex Cravero; Terence Lau


‘Terence Lau is very responsive and highly regarded.’

‘A cross-practice ‘team’ of appropriate partners and associates is formed according to the need for each brief and they work extremely well together.

‘Genuine interest in our unique issues and commitment to finding practical solutions, via a collaborative approach.’

Work highlights

  • Advised WiseTech Global on the acquisition of Bolero.
  • Advised ClearBank on the first phase of the client’s international expansion into Europe, and potentially the USA, during 2023 and 2024.
  • Advised Huozhi, a fintech social enterprise start-up, in relation to its secure aid funding solution, which enables the secure tracking of aid from NGOs and government donors.

Osborne Clarke LLP

Described as a firm that ‘genuinely understand how to work with early stage businesses‘, Osborne Clarke LLP assists clients ranging from small innovators to multinational corporations on a range of regulatory and transactional mandates.  The broad-based fintech practice, which has seen an increase in instructions in relation to buy-now-pay-later matters, is additionally well equipped to handle cryptoassets disputes and tech procurement mandates. Regulated lending specialist Nikki Worden - who co-heads the fintech practice - is praised for her ability to 'balance technical know-how with an understanding of how things need to get done.’ Fellow co-chair Mark Wesker advises on takeovers, IPOs and fundraising deals, while international payments practice head Paul Anning is particularly active in the US payments market. Rachel Couter excels in financial services regulatory investigations, while Tom Try specialises in corporate transactions. Receivables financing expert James Tarleton, regulatory specialist Paul Harris and the ‘highly responsive’ Ben Player are also recommended.

Practice head(s):

Mark Wesker; Nikki Worden

Other key lawyers:

Paul Anning; Tom Try; James Tarleton; Paul Harris; Ben Player


‘ Osborne Clarke delivers advice in a timely manner and are always willing to accommodate and meet the demands of the most demanding and fast paced companies.’ 

Paul Anning understands payments and insurance regulation and is able to solve complex legal issues of entities facing different types of financial regulation.

‘Paul Harris is one of the best lawyers in payment services.’

Ben Player is a superstar!  Ben produces top quality work and gives expert advice.

‘OC are one of the very very rare professional services firms who seem to genuinely understand how to work with early stage businesses.’

‘Nikki Worden has incredibly deep technical knowledge but has done enough time in industry to balance the technical know how with and understanding of how things need to get done in industry.’

‘Nikki Worden is outstanding. She has a brilliant reputation so to attach her name to a position we’ve been advised on carries weight.’

‘Mark Wesker is the most approachable corporate lawyer.

Key clients

Squareup Europe Limited (part of Block, Inc)

Microsoft Corporation

Funding Circle Limited

Revolut Limited

Super Payments Limited

Fintern Limited

Wirecard Card Solutions Limited

Airbnb Payments UK Limited, Airbnb Ireland

Clearbank Limited

WEX Europe Services/WEX Fleet France SAS

Liberis Limited

gohenry Limited

Trustly Group AB

J.P. Morgan

CashPlus Bank

Salary Finance Ltd

Prodigy Finance Ltd

BC Home Loans Ltd

SquareTrade Limited

UK Finance

Loqbox Limited

Work highlights

  • Advised Squareup Europe (part of Block, Inc.) on strategic matters in the UK and across Europe.
  • Advised Liberis on its recent financing and its international strategy refresh, as well as providing an international advice platform via OC Solutions.
  • Advised Fintern on its latest fundraising led by Hambro Perks and also on the debt and equity investment in its consumer arm Abound.

Simmons & Simmons

Simmons & Simmons' wide-ranging fintech practice encompasses expertise in payments, open banking, distributed ledger technology and digital banking. The team is also equipped to advise on insurtech, digital lending and decentralised finance. The ‘commercial, responsive and thoughtful’ Angus McLean heads up the practice; noted for his track record of guiding fintech and institutional clients through transactions with a strong intellectual property element. George Morris is singled out for his knowledge of cryptoassets and blockchain, while Oliver Irons - who heads up the firm’s international payments practice - has a notable focus on innovative payment solutions. Rosali Pretorius is increasingly active on instructions concerning the impact of digitalised client service offerings. Crypto, fintech and banking disputes are all frequently handled by Douglas Robinson. Gordon Ritchie and Sophie Sheldon are further names to note.

Practice head(s):

Angus McLean

Other key lawyers:

George Morris; Oliver Irons; Rosali Pretorius; Douglas Robinson; Gordon Ritchie; Sophie Sheldon


‘Angus McLean – stand out focus on fintech and client development.’

‘Angus McLean is excellent – he was commercial, responsive and thoughtful in his approach. We would highly recommend him.’

‘We work with Simmons for payments and e-money expertise and the team has supported on safeguarding, knotty cross-border analysis, and crypto perimeter advice.’

Key clients

Bank of London and Middle East


Work highlights

  • Assisting BLME in setting up a new digital bank, called “nomo”, offering several sharia compliant banking and wealth products.
  • Advising LMAX on issues including plans to expand its business across Europe, the US and Singapore and to extend its product offering to add listed FX and crypto derivatives.

Slaughter and May

Working with established fintech players and new disruptors alike, a number of neobanks, insuretechs, payment service providers, financial regulatory bodies, and financial data companies engage Slaughter and May for assistance with various strategically important projects. Rob Sumroy - co-head of the practice - manages a varied workload which includes good governance and compliance-related advice for fast-scaling fintechs. Fellow co-head James Cook is equipped to advise across a wide range of corporate matters, from business establishment to listings, while UK payments and e-money expert David Shone rounds out the leadership team. Regulatory expert Jan Putnis‘ contentious and non-contentious capabilities are called upon by heavyweights in the space, while Tim Fosh is noted for his expertise in transactional structuring and the UK bank ring-fencing regime.

Practice head(s):

Rob Sumroy; James Cook; David Shone

Other key lawyers:

Jan Putnis; Tim Fosh

Key clients






DoJo Paymentsense


Credit Karma





Alpha FX

Y Tree Limited

Aztec Protocol

Bud Financial





By Miles

Saltpay (now Teya)



As investors in fintech:

SC Ventures

SoftBank Vision Fund





Omers Ventures

Balderton Capital

Cocoa Y

Silicon Valley Bank (now HSBC Innovation Banking)

Work highlights

  • Advised Wise on a range of legal and regulatory assignments this year, including the launch of its investment product in the UK and Europe and governance-related matters.
  • Advised TreasurySpring on the establishment as well as contractual arrangements in relation to its treasury investment platform.
  • Advised Klarna on a range of legal and regulatory assignments as it pursues its strategic expansion in the UK.

Travers Smith LLP

Multi-year transformational, strategic projects are at the heart of Travers Smith LLP ‘s fintech, market infrastructure and payments group’s offering. The ‘exceptional’  Natalie Lewis and Tim Lewis spearhead the team’s offering. Phil Bartram, senior consultant Mark Evans   and Louisa Chambers are additional key contacts at the firm.

Practice head(s):

Natalie Lewis; Tim Lewis


‘Extremely supportive and flexible approach.’

‘Natalie Lewis, Louisa Chambers, and their teams are exceptional.’


Work highlights

  • Advising Pay.UK Limited on a proposed payment system for over £4.5bn of payments per day.
  • Advising Limited on the design, structure and operations of its innovative new cross-border payments.
  • Advising Euroclear United Kingdom and International Limited on novel and complex legal and regulatory issues impacting its activities as the UK’s central securities depository (CSD).

Addleshaw Goddard

Litigation, M&A, outsourcings, and complex financings stand out as recent areas of activity for Addleshaw Goddard. The practice is a key destination for fintechs, major UK clearing banks and PE houses. Elvan Hussein – praised for her ability to ‘cut through complexities with clarity’ – head up the the fintech group. William James has a proven track record in large-scale payment processing mandates and technology outsourcing work. David Anderson is well versed in corporate transactions in the fintech space, while fintech disputes team head James Herring frequently handles finance litigation for payment institutions and fintech organisations. Zoe Connor is an authority on funds finance products, while Jack Houselander is well placed to advise payments clients on issues such as commercial contracts and product development issues.

Practice head(s):

Elvan Hussein

Other key lawyers:

William James; David Anderson; James Herring; Zoe Connor; Jack Houselander; Rebecca Hickman


‘The AG team brings a high degree of precision and clarity to the work we instruct it to assist with.’

‘Elvan Hussein is fiercely articulate and cuts through the complexities with clarity.’

Fantastic industry insights. A great cross-specialism payments team that is very joined up in their approach.’

Rebecca Hickman – very proactive, provides very pragmatic and commercial advice that is constructive and always provides a clear summary of the risks and potential ways forward. A real passion for the payments industry, which helps provide clients with useful commercial insights.’

A perfect partner for an early stage client. Quickly understood our needs, priorities and financial imperatives and translated this into commercially minded, practical, streamlined advice. Clearly knowledgeable and experienced in the sector, they were able to guide us through the process with little fuss to a high quality outcome.

Work highlights

Bristows LLP

Payment services, regtech, insurtech, and digital transformation are some of the key areas of strength for Bristows LLP‘s ‘excellent’ technology-focused fintech practice. Additional strengths include AI, DLT and blockchain, while the team is also well placed to handle contentious mandates.  The team is led by the ‘outstanding’ Louise Eldridge, who is well regarded for her expertise in blockchain and digital transformation matters. Outsourcing projects for IT students is a noteworthy area of focus for telecoms expert Toby Crick. Marc Dautlich frequently guides fintech clients through issues at the intersection of technology and data protection. Mac Macmillan leverages her pre-law background in software development to inform her advice on a range data protection matters, while Mike Edgar boasts an in-depth understanding of tech procurement issues.

Practice head(s):

Louise Eldridge

Other key lawyers:

Toby Crick; Marc Dautlich; Anna Cook; Vikram Khurana; Mac MacMillan; Mike Edgar


‘A good depth of knowledgeable IT contract specialists.’

‘Toby Crick provides consistently excellent team and client-relationship management.’

‘Mike Edgar’s development has been a pleasure to witness.’

Key clients

Quant Network

Optal Financial ltd


Eigen technologies

Core Logic

Aspen Insurance


ISB Global

The Guardian

Isle of Man Enterprises Plc

Work highlights

  • Advised Baringa on a fintech collaboration with Blackrock.
  • Continued to advise specialist reinsurer Aspen on a stream of fintech development and procurement projects.
  • Advised Isle of Man Enterprises PLC and its grocery retail business on its ongoing digital transformation programme.


Known for its strength in the payments space, Dentons advises on payments regulation, electronic money, digital banking and IT outsourcing transactions for a host of banks, non-traditional lenders and fintech firms, among other clients. The practice has also seen an increase in instructions relating to cryptocurrency, blockchain and the B2B payments space. Gateway and BNPL agreements stand out as a recent area of activity for practice head Tristan Jonckheer, while dispute resolution partner Craig Neilson frequently handles contentious mandates related to cyberattacks, cryptoassets and payments. Jessica Cooke has specific expertise on regulatory licensing issues faced by global financial services businesses, while Matthew Gilhooly is active on financial service outsourcing regulations.

Practice head(s):

Tristan Jonckheer

Other key lawyers:

Craig Neilson; Jessica Cooke; Adrian Yeo; Matthew Gilhooly


Tristan and his team work tirelessly to quickly understand the key issues, get to the heart of the issue, and work to find a suitable solution.

Key clients


TreviPay (formerly MSTS)

Goldman Sachs

Ripple Labs

Her Majesty’s Treasury

John Lewis Partnership


ING Bank

SMBC Bank International


Work highlights

  • Advising John Lewis Partnership in relation to the exit from its partnering agreement with HSBC under which it provides a branded credit card.
  • Advising FIFA on the launch of FIFA’s global e-commerce solution, with a global FIFA store and individual stores for key FIFA tournaments.
  • Advising Sainsbury’s supermarket on a new payments orchestration arrangement with ProcessOut (PO).

Eversheds Sutherland (International) LLP

The 'practical, commercial and effective'  digital financial services and fintech team at Eversheds Sutherland (International) LLP are active across collaborations and joint-development agreements between our large institutional clients and early-stage fintechs, IPOs and work involving crypto-assets. Governance and transparency issues connected to the use of business data and M&A due diligence are additional areas of expertise. Cardiff-based practice head Matthew Gough is equipped to advise clients on a broad array of commercial agreements. Advising financial institutions on technology arrangements is a fulcrum of Craig Rogers' practice. Simon Lightman is described as 'excellent technically and very easy to work with'. Clients include fintechs, challenger banks and investors.

Practice head(s):

Matthew Gough

Other key lawyers:

Craig Rogers; Simon Lightman; Paul Pugh


‘The team is a pleasure to work with. Practical, commercial and effective. Strong focus on cost management. Very highly recommended.’

‘Simon Lightman is excellent technically and very easy to work with. Feels like his just as invested in a successful outcome as you are!’

‘Excellent industry knowledge. Very approachable and well connected in the industry.’

‘Craig Rogers is a clear industry leader. He has deep experience and knowledge in the fast moving sector. ’

‘The team have a flexible approach focused on problem solving. They are very knowledgeable on both black letter law and its application in practice.’

‘Ruth Fairhurst is particularly knowledgeable on payment services regulation and industry practice.’

Key clients


Pollen Street Capital Limited

FLEETCOR Technologies, Inc. (FLEETCOR)


Fox Williams LLP

With a fintech practice geared towards challenger banks and other disruptive fintech businesses, Fox Williams LLP‘s ‘highly regarded’ practice demonstrates strength across financial products, financial services regulation, data privacy, HR law and corporate and tax matters. Recently, the team has been particularly active supporting fundraisings and M&A in the fintech sector. Practice head Jonathan Segal has an in-depth understanding of the growth stage lending platform space, while regulatory expert Chris Finney is well placed to advise on disruptive fintech products. Corporate specialists Andrew Woolf and Guy Morgan frequently handle fundraisings and M&A in the fintech sector, while regulatory partner Peter Finch is noted for his focus on payments and consumer credit.

Practice head(s):

Jonathan Segal

Other key lawyers:

Chris Finney; Andrew Woolf; Guy Morgan; Kolvin Stone; Peter Finch; Mardi MacGregor


‘The breadth of knowledge, delivered in a commercially sound manner, is very refreshing and the team has been my go-to on complex regulatory matters for many years. Highly regarded and recommended.’

‘Jon Segal: sound legal advice always delivered with a dose of personality and understanding of commercial realities.’

‘Peter Finch is clearly very knowledgeable on regulatory matters, which is invariably a very useful resource for us.’

‘The team is proactive and swift in carrying out their work.

‘I have been impressed by the level of practicality and value-add provided by specialists in technology, financial services, fintech and corporate teams.’

Key clients

LendInvest plc


Koyo Loans


Allica Bank



Credit Karma

Nova Credit

Griffin Financial Technology

LHV Bank

Wealth Kernel

Generation Home


Sabre Payments



Fidel API



Gaia Fertility



Outward VC



Work highlights

  • Advised Allica Bank on a £100m equity raise led by TCV alongside Allica’s existing investors Warwick Capital Partners and Atalaya Capital Management.
  • Advised “Banking as a Service” bank, Griffin, on its customer-facing documentation and regulatory issues related to becoming a fully licensed bank.
  • Advised Perenna Bank on its £25m Series A investment.

Mayer Brown International LLP

Especially popular with financial institutions, Mayer Brown International LLP assists a wide variety of fintech clients with work related to outsourcing transactions, IP, open banking, and strategic investments. The team is also praised for its ‘excellent grasp of the emerging landscape in cryptocurrency regulation.’ Leadership duties are split between Mark Prinsley, whose fintech expertise extends to cross-border cybersecurity regulatory work, and Chris Chapman, who is equipped to advise on matters involving regulatory and law enforcement authorities. Oliver Yaros is well versed in protection matters and IP transactions. Musonda Kapotwe frequently leverages her banking and regulatory experience to guide fintech clients through transactions.

Practice head(s):

Mark Prinsley; Chris Chapman

Other key lawyers:

Oliver Yaros; Musonda Kapotwe; Jake Lindsay


‘Excellent grasp of the emerging landscape in cryptocurrency regulation.’

‘Musonda Kapotwe has excellent knowledge of cryptocurrency regulatory matters.’


Key clients

Bank of New York Mellon

Crédit Agricole (Indosuez Wealth Management)




Sun Hung Kai

Thomson Reuters

T Rowe Price

Work highlights

  • Advised Indosuez Wealth Management on its acquisition of 70 per cent of Wealth Dynamics Ltd.
  • Represented Sun Hung Kai & Co. Limited in its Series B investment in Sygnum Bank, the world’s first regulated digital asset bank.

Pinsent Masons LLP

AI and machine learning, open banking, payments and digital identification mandates are key focus areas for Pinsent Masons LLP. The ‘hands-on and fast’ team also frequently advises banks and fintech companies on an array of collaborative partnerships. Glasgow-based Yvonne Dunn drives the group's offering, advising fintech start-ups and established financial institutions on open banking and equity investments, among other matters. Angus McFadyen is an authority on digital identity issues, while regulatory expert Andrew Barber is a key contact for payments and e-money clients. Luke Scanlon is equipped to advise on use of synthetic data in AI applications for financial services.

Practice head(s):

Yvonne Dunn

Other key lawyers:

Angus McFadyen; Andrew Barber; Luke Scanlon; Ben Brown


‘Hands-on, fast, good understanding of the business and pragmatic.’

‘I would like to mention Angus McFadyen, Andrew Barber and Ben Brown. They have been real partners and I cannot think of any lawyers more pleasant to work with.’


Key clients

GS Fintech Limited

TeaPayment Ltd

Smart Data Foundry

Open Identity Exchange (OIX)


ING Bank NV / Yolt Group

Legal & General


Open Identity Exchange


Smarter Financial



Lloyds Bank plc

Work highlights

  • Advised a group of key stakeholders on the future of the open banking implementation entity.
  • Key advisers to the Natwest Accelerator which has supported over 1,400 businesses at different stages of growth.
  • Advised a global cloud technology provider on the regulatory requirements, international standards and best practices approach towards implementing AI technology for fintech and financial services clients.

Taylor Wessing LLP

Taylor Wessing LLP is sought out by banks, financial service providers, investors and emerging fintech companies on investments, fundraisings, M&A, litigation and regulatory work.  The practice is jointly headed up by four partners: Graham Hann is a go-to lawyer for transformational projects concerning IT and data; venture capital specialist Angus Miln has a strong book of work for emerging and high-growth technology companies; Charlotte Hill is an expert in financial services regulation, and Howard Palmer is noted for his work with fintech companies on venture capital investments. Other key figures include Clare Reynolds, who has in-depth knowledge of operational resilience and cloud computing.

Practice head(s):

Angus Miln; Howard Palmer; Graham Hann; Charlotte Hill

Other key lawyers:

Tandeep Minhas; Josef Fuss; Richard Viegas; Sian Skelton; Clare Reynolds

Key clients


Bitpanda Custody (fka Trustology)




Thought machine


Dawn Capital



interactive investor


Work highlights

  • Advised Kantox on its sale to French banking giant BNP Paribas.
  • Advised Dawn Capital on investments into Fonoa, Elwood Technologies’ $70m Series A funding, and Cover Genius’ $70m Series D.
  • Advised Thought Machine on its $160m Series D funding round led by Temasek, with participation from Intesa Sanpaolo and Morgan Stanley.

White & Case LLP

White & Case LLP‘s far-reaching fintech offering encompasses regulatory matters, data, financial crime and financial products. Among other strengths, the team is well regarded for its ability to support fast-growth point of sale firms as they develop their products. Jonathan Rogers, who heads up the UK fintech practice, has a proven track record in payments advice dating back to the passing of PSD1 in 2009. His London colleague Guy Potel is the global head of the fintech interest group and is well placed to advise on M&A work involving fintechs. Jonah Anderson’s transatlantic practice spans due diligence and emerging markets investigations. Helen Pantelides is well versed in growth equity mandates, while regulatory perimeter issues, corporate transactions, and interactions with regulators are among Mark Smith’s areas of expertise.

Practice head(s):

Jonathan Rogers; Guy Potel

Other key lawyers:

Jonah Anderson; Helen Pantelides; Mark Smith

Key clients





Mercedes Pay




Bud Financial


Work highlights

  • Acting for AS LHV Pank, an Estonian bank, on the transfer of its UK ‘banking as a service’ to a new UK subsidiary.
  • Advised WorldRemit on financial regulatory matters related to its international regulated business.
  • Advised the Kingdom of Saudi Arabia’s Central Bank to evaluate, advise on and draft the regulatory framework for open banking.

Burges Salmon LLP

Praised for its ‘expert knowledge', Burges Salmon LLP‘s fintech practice covers a broad range of transactional and advisory work including financial regulatory advice, blockchain and cryptocurrency issues, equity investments and payments matters. Practice head Martin Cook is noted for his capabilities in regulatory work and big-ticket technology transactions. Joanna Monahan is well placed to advise on transactions involving platform-based services. Corporate specialist Alex Lloyd is equipped to advise on fundraisings and corporate governance matters, while Brandon Wong is a key contact for financial services regulatory work.

Practice head(s):

Martin Cook

Other key lawyers:

Joanna Monaghan; Alex Lloyd; Brandon Wong; Niall Mackle


‘Expert knowledge, friendly, and very responsive and collaborative.’

‘I have found Niall Mackle one of the very best, collaborative, and client focused associates I’ve worked with – he has been absolutely brilliant.’

‘Alex Lloyd and Martin Cook have been supportive partners with great in-depth expertise and quick communication.’

An all-round great team.


Work highlights

  • Advising an African-headquartered banking group on a major digital and technology transformation project.
  • Acting for an international payments firm on its UK authorisation and operational establishment.
  • Advising a wealth management platform on its launch and the development of new product propositions.

Cooley (UK) LLP

Embedded in data privacy and cybersecurity matters, Cooley (UK) LLP is a key port of call for various fintech companies, investment firms, and payment service providers, who turn to the team for its capabilities in areas such as intellectual property protection, outsourcing requirements and capital raisings. Practice chair Guadalupe Sampedro is well placed to advise on complex regulatory matters in the payments and financial services space. Chris Coulter is noted for his in-depth knowledge of intellectual property transactions, while Yulia Makarova frequently advises on regulatory approvals for venture capital.

Practice head(s):

Guadalupe Sampedro

Other key lawyers:

Chris Coulter; Yulia Makarova


‘Cogent team of professional advisors.’

‘Yulia Makarova is personable, professional and efficient.’ 

Work highlights

  • Advising eBay on a wide range of data protection and ecommerce matters related to its payments business globally.
  • Advising Dapple on all the data protection, privacy and financial services regulatory issues related to the launch and operation of its NFT platforms.
  • Advising an international platform aimed at the tokenisation of employer/employee relationships on  regulatory framework and regulatory perimeter matters.

Gowling WLG

Cryptoasset regulatory advice, payment services issues, and corporate transactional work stand out as recent areas of activity for Gowling WLG, while commercial contracts, tax and IP are additional areas of strength for the practice. Technology specialist David Brennan helms the firm’s fintech offering; his corporate expertise extends to advice on public takeovers and private acquisitions. Kristian Rogers is noted for his capabilities in capital raisings and fund restructurings. Commercial litigators Helen Davenport and Sean Adams extend the unit’s contentious expertise, while Sushil Kuner is praised for her ‘wealth of knowledge concerning fintech and FCA regulatory work’. Ian Mason left the firm in January 2023.

Practice head(s):

David Brennan

Other key lawyers:

Kristian Rogers; Helen Davenport; Sean Adams; Sushil Kuner


‘Gowling really care about the customer and finding the best outcome for the issue. Such a pleasure to work with David Brennan and the team.’

‘Sushil Kuner is very knowledgeable, professional, great and easy to deal with. He has a wealth of knowledge concerning fintech and FCA regulatory work. Highly recommended!’

Good sensible and timely advice.’

Key clients

Molten Ventures plc

Blockchain Coinvestors Acquisition Corp

Klarna Bank AB

Work highlights

  • Acted for Blockchain Coinvestors Acquisition Corp. I, a special purpose acquisition company, with respect to their $622m acquisition of Qenta Inc.
  • Provided Klarna with frequent regulatory advice on the UK Consumer credit regime, the FCA’s financial promotion rules, product governance issues and payment services.
  • Provided corporate support to Molten Ventures in respect of investments into portfolio companies and also provide ad hoc financial services regulatory advice.

Orrick, Herrington & Sutcliffe (UK) LLP

Practice strengths at Orrick, Herrington & Sutcliffe (UK) LLP include domestic and cross-border payments, EMI applications, and regulated transactions. Dan Jones, who joined the firm in November 2022 from Baker Botts (UK) LLP, replaced Jacqui Hatfield  as head of the London practice following her retirement in January 2023. Jones is especially well placed to advise on EMI applications. Marco Boldini, who splits his time between Orrick’s Milan and London offices, has regulatory experience encompassing PSD2, AIFMD and Brexit-related topics, while Guy Stevenson frequently advises on the sale of financial services products through applications. Rebecca James is another key contact.

Practice head(s):

Dan Jones

Other key lawyers:

Marco Boldini; Guy Stevenson; Rebecca James


‘Strong expertise in the team in fintech related laws and regulations.’

‘A pragmatic approach and coherent yet eloquent solution for our specific request was provided by Guy Stevenson.’

Key clients

Adiona Technologies Limited

BlueSnap Inc


Demonstrable Labs

Floww (Fomtech Limited)

Glorious Digital Limited

Griffin Financial Technology Limited

Jacobi Asset Management Limited

Koia Global Limited

Ledgercomm Ltd.


MFS Africa





PNC Bank



Rally Ventures Management, LLC


Terra Payments Services (TerraPay)


True Potential



Work highlights

  • Advised Wirex as lead counsel, providing advice on both payments and crypto regulations.
  • Advised Ziglu as their lead regulatory counsel on the application of UK payment regulations on their business structure, capital requirements, and financial crime controls.
  • Advising Griffin on regulatory issues connected with establishing a UK bank.

Alston & Bird LLP

Payments systems work is at the heart of Alston & Bird LLP‘s offering, with the firm advising on a host of related issues including payments regulations, outsourcing and consumer protection law. Richard Willis and Gupinder Assi head up the practice; Willis is particularly strong in new market entry work for banking, payments, and fintech clients, while Assi is a go-to lawyer for advice on agreements on with payments service providers. James Ashe-Taylor is further recommended for his extensive knowledge of EU payments legislation. Arriving to the team in May 2023 from Dentons, Jonathan Garforth is well placed to advise on the regulatory aspects of open banking and digital payments.

Practice head(s):

Richard Willis; Gupinder Assi

Other key lawyers:

James Ashe-Taylor; Jonathan Garforth


‘Alston & Bird is one of our main partners in payments matters in the US. Their team is business oriented, understands Cielo issues and governance. A&B is highly skilled in contracts and M&A negotiations and in payment industry.’

‘Richard Willis really makes a lot of difference in our deals.’

Key clients

Cielo, S.A.


Global Payments

Euronet Worldwide

U.S. Bank


Work highlights

  • Providing Paymentus with regulatory advice in the UK/EU and various other jurisdictions relating to their payment solutions, including the roll-out of their direct debit solution in APAC.
  • Represented Global Payment and its affiliate, Global Payments s.r.o., in the acquisition of a payments business from Payone GmbH.
  • Representing global payment service provider Euronet in antitrust litigation against Visa and Mastercard in the Competition Appeal Tribunal involving multi-million pound damages claims.

Browne Jacobson LLP

The ‘personable team‘ at Browne Jacobson LLP is sought out by high-growth fintech and insurtech companies, AIM-listed corporates, and international payments service providers for assistance in a host of corporate matters. Jon Snade and Declan Cushley share leadership duties, with the former particularly well equipped to advise on cross-border private company transactions. Harry Pearson is noted for his knowledge of venture capital investment rounds involving fintechs, while Thomas Gibby is especially active on data protection compliance matters.

Practice head(s):

Jon Snade; Declan Cushley

Other key lawyers:

Harry Pearson; Thomas Gibby


‘Personable team who are hard working and knowledgeable. They respond timely while acting commercially.’

‘Trusted, long-standing partner on all financing rounds.’

Jon Snade and Harry Pearson know the insurtech and fintech space super well and always push for the best outcome.’


Key clients

Enro Holdings Limited (T/A Superscript)

Equals Group plc

Laka LTD

Maven Capital Partners

Hlthie Limited

A-Plan Holdings / Aston Lark

The Delegated Exchange Limited

ThingCo Limited

Aventum Group Limited


Goodwin‘s fintech offering draws on wider expertise in venture capital, financial services regulation and tax matters. The team also has a key strategic focus on supporting entrepreneurs and early-stage fintech companies.  The practice is jointly run by three partners; Andrew Davis, who specialises in corporate transactions; Andrew Henderson, an authority on financial services regulation who joined from Macfarlanes LLP in June 2022; and Ali Ramadan, a key contact for venture capital and private equity transactions. Glynn Barwick‘s regulatory expertise extends to EU and UK competition and merger control issues. Emerging growth companies frequently turn to Adam Thatcher for corporate advice, while James Taylor leverages his expertise in intellectual property matters to assist clients in the fintech space. Arvin Abraham, a former bank COO and an expert in fintech investments, joined from McDermott Will & Emery UK LLP in July 2023.

Practice head(s):

Andrew Davis; Andrew Henderson; Ali Ramadan

Other key lawyers:

Glynn Barwick; David Mardle; Adam Thatcher; James Taylor


‘Very professional team, knowledgeable of the relevant legal and regulatory matters. Very good attitude towards client work and pragmatic views towards finding solutions.’

‘Andrew Henderson is an experienced professional. Has a very hands-on approach on client matters and is readily available.’

Key clients



Fidelity International Strategic Ventures

Galaxy Digital

Cleo AI

Vivid Money

Lightspeed Venture Partners

Octopus Ventures

Work highlights

  • Assisted in FNZ’s approx. €12 million purchase of the issued share capital of B2B fund platform, ifsam – International Fund Services & Asset Management S.A.
  • Advising Koos on regulatory aspects of their token platform.
  • Fidelity International Strategic Ventures £20 million investment into Moneybox as the lead investor in a £35 million ($45,791,900) Series D funding round.

gunnercooke LLP

The ‘incredibly proactive and efficient’ team at gunnercooke LLP focuses on matters relating to cryptoassets, blockchain and Web3. Key names to note include James Burnie, who is praised for his ‘unmatched knowledge and experience in the Web3 space’, while Kathryn Dodds Web3 knowledge is frequently brought to bear in work for clients from the creative arts industry. Will Foulkes, who joined from Stephenson Law in January 2023, expands the firm’s capabilities in corporate, commercial and regulatory law relating to blockchain technologies.

Other key lawyers:

James Burnie; Will Foulkes; Gareth Malna; Kathryn Dodds


‘The practice contains talented individuals across many different disciplines. They have provided us with access to the right expertise as and when we need it.’

‘James Burnie has been invaluable to our journey as a start-up business in the digital asset space.’

‘Great to work with. Ease of communication and clarity on fees. Team genuinely care and take an interest in their clients.’

‘A very strong team, particularly James Burnie who is technically excellent and really understands the technology.’

‘Our experiences with the team were wonderful. In fact, the team left no stones unturned.’

‘Specialists in the area of virtual assets.’

‘James Burnie’s knowledge on cryptocurrencies fills me with confidence every time I speak with him and he is always up to date with the latest news.’

‘Gunnercooke stands out for being an incredibly proactive and efficient law firm with a global reach.’

Key clients

Financial Services Commission of the Government of Mauritius





Outlier Ventures incubator




Nettle Group

Ziglu Limited



Work highlights

  • Drafted the rules and guidance for the Mauritius cryptoassets framework, working closely alongside the Mauritius FSC.
  • Assisted Ziglu with the legal and regulatory aspects of its business.
  • Advising on one of the leading ESG tokens, NTTL, run on the Algorand chain.

Mills & Reeve LLP

Mills & Reeve LLP is turned to by a range of clients for its capabilities in a host of fintech matters, including the establishment of exchanges, regulatory guidelines, contractual arrangements, and seed investment rounds. The team is jointly headed up by Jagvinder Singh Kang, a seasoned transactional adviser, and Kevin Calder, noted for his commercial and IT acumen. Other key names to note include Alison Ross-Eckford, who joined the firm from Pinsent Masons LLP in 2022.

Practice head(s):

Jagvinder Singh Kang; Kevin Calder

Other key lawyers:

Zickie Lim

Key clients

Paypoint plc

Premia Solutions Limited

Brady plc

Receipt Bank

Skillcast Group plc


Validus IVC

Eckoh plc

Randall & Quilter Investment Holdings

Alphabit Fund I

Work highlights

  • Advised IQ Capital and US Nasdaq listed FactSet on their participation in a $26m Series B round in BMLL Technologies alongside Nasdaq Ventures.
  • Advised a private equity backed crypto exchange and currency provider on its global fintech arrangements, including UK GDPR requirements.
  • Worked with CoInvestor to establish an innovative digital investment platform to allow sophisticated investors, wealth managers and fund manager to connect using easy to use digital solutions

Shoosmiths LLP

Praised for operating at the ‘cutting edge of service provision’ in the fintech space, Shoosmiths LLP offering spans expertise in payments, financial services regulatory work, and blockchain disputes. Technology specialist Prakash Kerai – who co-heads the practice – is well regarded for his work with new entrants to the fintech space. Fellow co-head Luke Stubbs frequently advises on payment services and the procurement of embedded finance solutions, while Sam Tyfield is praised for his ‘excellent domain knowledge‘. Thomas Morrison is also noted.

Practice head(s):

Prakash Kerai; Luke Stubbs

Other key lawyers:

Sam Tyfield; Thomas Morrison


‘Matt Green has an excellent grasp of the issues in cryptocurrency disputes and has an especially wide knowledge of the sector.’

‘In-depth knowledge of market structure issues impacting European and UK financial services firms and applicability of new technologies to financial services as a result.’

‘Sam Tyfield has both excellent domain knowledge as well as industry connections across technology and financial services firms as well as government and regulators.’

‘The team is at the cutting edge of service provision in this space, and constantly driving ways to provide value to clients.’

‘Matt Green leads the blockchain litigation practice. He was one of the first in this field and continues to lead this fast-developing field.’

‘The team are friendly, approachable and commercial. They make the complicated simple and work to deadlines, always delivering on time.’

‘Prakash Kerai provides a very good service. He’s a dogged negotiator with a great attention to detail. He’s our preferred external counsel for cloud based material outsourcings.’

‘Thomas Morrison has been absolutely first rate.’

Key clients

Together Money

Markel Insurance

Close Brothers




B&M Bargains Plc

N Brown Group Plc

ABN Amro Bank NV

Zip Payments

Virgin Media O2

Tesco Mobile Limited

AIB Group (UK) Limited

Creation Consumer Finance Limited t/a BNP Personal Finance

ClearToken Holdings Limited

Work highlights

  • Advising major bankers, lenders, and insurers on various business-critical fintech arrangements.
  • Led a shadow s.166 review with the UK subsidiary of a regulated point of sale provider which was involved in a lengthy and protracted engagement with the FCA.

Skadden, Arps, Slate, Meagher & Flom (UK) LLP

Skadden, Arps, Slate, Meagher & Flom (UK) LLP is well placed to advise on major M&A transactions, data protection issues, regulatory mandates and international arbitrations. Practice head Simon Toms has a proven track record of advising on corporate transactions in the fintech arena. Azad Ali is equipped to advise on the regulatory aspects of crypto and NFT projects, while Eve-Christie Vermynck brings her knowledge of intellectual property and data protection issues to bear on an array of fintech mandates. Patrick Tsitsaros and Abigail Reeves are further names to note.

Practice head(s):

Simon Toms

Other key lawyers:

Azad Ali; Eve-Christie Vermynck; Patrick Tsitsaros; Abigail Reeves


‘Deep knowledge in the regulatory practice space and willingness to work with smaller firms in the tech/fintech area that need people who understand the tech.’

‘Strong digital commerce team with commercial lawyers that also have lots of large deal experience if needed.’

Simon Toms is extremely responsive, pragmatic and genuinely a great person to work with.’

Strong digital commerce team with commercial lawyers who can connect, that also have lots of large deal experience if needed.’

Work highlights

Squire Patton Boggs

Particularly strong in assisting banks with complex transactional work, Squire Patton Boggs also handles litigation, intellectual property and regulatory work. The team is headed up by Robert Bray, who is equipped to assist with an array of corporate transactions in the fintech space. Andrew Wilkinson is well versed in matters concerning commercial contracts, while Miriam Lampert frequently advises fintech companies on employment issues.

Practice head(s):

Robert Bray

Other key lawyers:

Julian Ciecierski-Burns; Miriam Lampert; Andrew Wilkinson; Ben Ticehurst


The lawyers are not only legal experts but also trusted advisors and partners. They took the time to develop a deep understanding of our business and industry, allowing them to provide strategic counsel that aligned with our business approach and culture. Their collaborative approach fostered a strong working relationship, and we have come to rely on their insights and guidance for our most critical legal matters.

Key clients

Broadridge Financial Solutions

Currency Cloud


Contis Group

Neptune Networks

Euronet Worldwide, INC





Laybuy Holdings (UK) Limited

Euronet Worldwide Inc (and YourCash)

Equiniti Group

New Day


Tenn Capital

Earnix Limited

Work highlights

  • Advised LMAX Group in relation of the sale of a 30% stake in the company to J.C. Flowers & Co. LLC.

Wiggin LLP

Wiggin LLP’s fintech practice works with businesses at all levels, from fast-growth companies to multinational corporations, on a range of commercial and regulatory matters, with noteworthy expertise in the multi-jurisdictional analysis of the regulated status of cryptoassets. Jason Fisher – praised for his ‘first class personal client service’ – heads up the team alongside Marcus Bagnall, who joined from Linklaters LLP in January 2022 and is equipped to advise on industry digitalisation mandates and NFT development. IP specialist Calum Smyth is another name to note.

Practice head(s):

Jason Fisher; Marcus Bagnall

Other key lawyers:

Calum Smyth; Alexander Ross


‘Alexander Ross is an extremely knowledgeable partner. He was very thorough in the review and writing process, which was very useful to anticipate potential pitfalls with international laws for example.’

‘Wiggin provides a true partner-led service at extremely competitive rates. They are flexible in their approach to billing and fees, which has been extremely helpful in recent times whilst still maintaining first rate client care.’

‘Jason Fisher stands out. Easily able to go toe to toe with much larger global firms whist providing first class personal client service.’

Key clients

SAGE Group


Thought Machine Group