Complex technology is at the heart of the financial system. Whether you're involved in procuring, providing or investing in that technology, our lawyers understand the technicalities. We advise FinTech companies on areas such as:

  • 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. 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 Bravura, EE, Data Monitor, KPMG, Lloyds Banking Group, PayPal, Travelex, VocaLink and Wirecard.



Advised on the provision of payment processing services to start-up high-street bank Metro Bank.


Advised on establishment in the UK and Germany, and on European partner and direct sales arrangements and compliance with European data protection regulations.


Advised on its partnering agreement with Barclaycard to create an NFC enabled mobile payment solution, branded 'QuickTap'.

JP Morgan

Advised on the structuring of a prepaid card product following the implementation of the Second Electronic Money Directive.

Dion Global Solutions

Advised on its acquisition of a controlling majority stake in Frankfurt-based Swissrisk Financial Systems.


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.

  1. 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.