Complex technology is at the heart of the financial system and is advancing with ever greater speed.  As a result, the regulatory landscape is changing, there are commercial opportunities to take advantage of and the volume of investment in financial technology is bringing excitement and innovation to the market. Whether you're involved in procuring, providing or investing in that technology, our lawyers understand the technicalities. Our dedicated FinTech group advise in all the areas that are important for FinTech including:

• Consumer protection  • Artificial Intelligence  • Financial regulation and disputes resolution  • Data protection and data mining • Debt capital markets  • Equity capital markets  • Financial services regulation  • Intellectual property protection and exploitation  • Joint ventures  • Mergers and acquisitions  • Payments  • Private equity and venture capital  • Technology procurement and outsourcing

Our clients trust us to provide commercially sensitive and 'hands-on' advice. We regularly receive recognition in the market for our work, with clients commenting " They're clearly technical experts," and "They're hands-on and very helpful". Our experience in both the technology and financial services space means that we understand the range of issues users and companies face when implementing financial technology, as well as the practical and security issues of using it now and in the future.

With lawyers in the US and across Europe, we are experienced in managing and implementing complex cross-border FinTech transactions. The companies we have worked with include gohenry, EE, Totally Money, KPMG, Lloyds Banking Group, PayPal, Travelex, VocaLink and Wirecard.



Advised gohenry, the provider of a financial literacy app and debit card for 6-18-year-olds, on a new contract for payment processing and authorising services. This is a critical contract for gohenry, through which all transaction processing (including authorisation) will take place, in respect of its operations in the UK and US.


Advised LOQBOX in the immediate aftermath of a cyber-attack, including its liaison with the Information Commissioner's Office, and with the FCA. We have also responded to a significant number of letters of claims from a large number of law firms, which LOQBOX has received from affected data subjects.


Advised Cytora on the deployment of their innovative Risk Engine, an AI platform transforming the way insurers calculate risk and pricing using machine intelligence.


Advised Payward Inc on its entry into the European market, including the regulatory status of virtual currencies and brokering arrangements with a European credit institution.


Advised N26, the mobile banking unicorn, on a total of $470m in fundraising including the recent $170m Series D financing round; the largest ever in Germany and Europe. With a company valuation of $3.5bn, N26 is now one of the most valuable start-ups in Germany and one of the top 10 highest valued FinTech companies worldwide.

Advanced Payment Solutions Limited

Advised Advanced Payment Solutions Limited (Cashplus Bank), one of the oldest FinTechs who have been an Osborne Clarke client since inception in relation to a major strategic project to transition from an e-money provider to a fully authorised bank.

US-based crypto asset exchanges

Advising several US-based crypto asset exchanges on their UK and European activities, card payment acceptance, and FCA applications and undertaking multi-jurisdictional surveys on crypto exchange and custodial activities and derivative products

Blockstack Token LLC

Advised Blockstack Token LLC in connection with the building of a new network of decentralised applications and the distribution of tokens to investors in the UK.

Prodigy Finance

Advised Prodigy Finance, an international FinTech consumer credit lender on all aspects of its compliance with consumer credit and FCA requirements.


Advised Openpay, a buy now pay later lender on its launch in the UK.


Advised TotallyMoney, an aggregator platform on all aspects of regulatory compliance.