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FinTech, or “Financial Technology”, is the term for any technology applied to financial services. This dynamic and fast-growing sector covers both:

  • Trading & Markets FinTech – where innovation and technology enhances or replaces existing market activities or is supplied to enable existing financial services players, including banks, hedge funds, brokers and insurers to operate more efficiently both from an operational or regulatory perspective.
  • Emergent or disruptive FinTech - where innovative financial services are supplied direct to consumers or businesses, often disrupting existing business models.

The UK is Europe’s fastest growing region for FinTech investment and Fox Williams’ specialist FinTech legal team – located in the City and close to Tech City and Silicon Roundabout – delivers commercially focused and up to date FinTech legal and regulatory advice on business models, including:

  • peer-to-peer lending, marketplace lending and other alternative finance platforms;
  • crowdfunding (equity, rewards and donations);
  • cyber-security and privacy;
  • virtual and digital currencies (including Bitcoin);
  • challenger banking, neo banking and ibanking;
  • big data analytics, machine learning and credit-scoring;
  • e-money, money transfers and mobile payments;
  • robo-advising;
  • disruptive insurance products;
  • trading platforms and MTFs for institutional or retail investors;
  • financial markets trading infrastructure (including clearing, trade support and collateral systems) 
  • market data supply and processing systems; 
  • regulatory tech solutions (aka “Reg Tech”) covering inter alia MAD II, MIFID II, EMIR and MIFIR; 
  • blockchain technologies, particularly in relation to financial services.

We work not only with established businesses and financial institutions, but also with start-ups.

Start Ups - we provide strategic legal input to protect your value and help you grow. We can ensure compliance with applicable law and regulation, manage legal risk and draft terms of business for new business models. 

  • shareholders agreements, good and bad leaver terms, articles of association;
  • capital raising and venture finance;
  • structuring platforms and businesses to optimize investment opportunities and tax efficiency;
  • advising on regulatory and compliance issues;
  • drafting T&Cs, contracts, licence agreements;
  • protecting your IPR and brand;
  • compliance with data protection, advising on data security and drafting privacy policies; and
  • tax (EIS/SEIS, employee share schemes, entrepreneurs’ relief, R&D tax credits and Patent Box).

Regulatory - our specialist financial services regulatory team includes former FCA lawyers and heads of legal and compliance from industry, enabling us to provide you with a commercial and technical insight into the effect of new regulatory issues on FinTech.

Representative matters

The following are illustrative matters on which our FinTech team has advised:

  • peer-to-peer lending platforms (inc. Nicola Horlick’s Money&Co) on their T&Cs, regulatory requirements and funding;
  • blockchain powered clearing company, Clearmatics, on its Series A funding round;
  • research regulatory tech supplier, Feedstock, on its revolutionary post MIFID II product;
  • one of the largest European VC firms on investments in:
    • Crowdcube, a leading equity crowdfunding platform;
    • Nutmeg, a leading online savings and investment management service;
    • Gocardless, an online payment services provider; and
    • Currency Cloud, an international payments platform.
  • European challenger bank on its UK agency bank arrangements;
  • global FinTech company builder, FinLeap, on its portfolio of businesses, including BillFront, a lender to high-tech companies in the app marketing sector;
  • software company, CYMBA Technologies, on all contractual matters relating to their investment management solution software;
  • robo-adviser, Scalable Capital, on their launch of their investment management business in the UK;
  • a platform providing spread-betting service to retail clients via a novel “gaming interface”; and
  • on regulatory issues relating to algorithmic and high-frequency trading.


We were a founding sponsor of the FinTech50 2013 and 2014: a guide to some of the game-changing technologies across Europe who are re-defining the future of finance. The FinTech50 2014 can be downloaded here.

“They have quality in breadth and depth, with a market leading financial services and fintech practice.”
(Chambers UK, 2019)

“They are very knowledgeable on fintech, give good value for money, get really involved and solve problems. They’re probably one of the best fintech firms in London. They’re very efficient."
(Chambers UK, 2019)

Fox Williams LLP’s department is ‘well versed in market developments’ and provides ‘very good regulatory and commercial advice’ to fintech start-ups.
(Legal 500, 2017)

‘Astute, commercial’ and ‘extremely effective’ practice head Jonathan Segal is a ‘fintech guru’ who is ‘always a pleasure to work with’, and has an ‘in-depth understanding of the peer-to-peer lending sector’.
(Legal 500, 2017)

Recent news, articles and deals:

Fox Williams named Advisory Firm of the Year at the AltFi Awards 2019 AND Jon Segal ranked in the P2P Power 50more
A new era of regulation - Jonathan Segal, Sona Ganatra and Chris Tanoh write in Peer2Peer Finance Newsmore
FCA publishes final guidance on regulatory treatment of cryptoassetsmore
Fox Williams’ technology experts respond to consultation on cryptoassets, distributed ledger technology and smart contractsmore
Fox Williams advises Jonas Software on the acquisitions of CORVID Paygate and Green 4 Solutionsmore
Fox Williams advises FinTech start-up Yapily Ltd on securing $5.4 million in seed fundingmore
FinTech Financing: The Public Marketsmore
Fox Williams advises Allianz X on its investment into SafeBodamore
Fox Williams team writes UK chapters for new edition of Chambers Global Practice Guide: FinTech more
Fox Williams named Legal Advisory Firm Of The Year at the AltFi Awards 2018more
U.K. regulator setting global example in facilitating technology growthmore
Aron Pope writes for FinTech Futures: Are FinTech firms doing enough to protect themselves against the risk of contractors?more
FinTech financing - the London stock marketsmore
Initial Coin Offerings: the good, the bad and the ugly. Guy Morgan and Chris Finney write for PLC magazinemore
WhatNextTech? Jonathan Segal writes for Business Moneymore
Are cryptocurrencies really the wild west? An intro to Initial Coin Offerings. William Li writes for The Law Societymore
PSD2 and open banking – a new beginning? Jonathan Segal writes for Business Moneymore
Fox Williams writes new UK chapter for Chambers Global Practice Guide: FinTech 2018more
Jonathan Segal writes for Business Money - Alternative finance updatemore
Chris Finney quoted in Payments & FinTech Lawyer - Commission dawn raids sound warning to member states ahead of PSD2 applicationmore
Jonathan Segal writes for Business Money - Lendit or loseit?more
Jonathan Segal writes for Lexoo: One year on - legal implications of Brexitmore
Jonathan Segal writes for Business Money - Mini-bonds – a funding revolution?more
Jonathan Segal's blog post on Technology in the Supply Chain for the Alternative Funding Network is now livemore
Jonathan Segal writes for Business Money - FCA releases interim paper on crowdfundingmore

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10 Finsbury Square, London, EC2A 1AF
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Who should I contact?


Peter Wright
Direct dial: +44 (0)20 7614 2680


Jonathan Segal
Direct dial: +44 (0)20 7614 2591


Nigel Miller
Direct dial: +44 (0)20 7614 2504


Chris Finney
Direct dial: +44 (0)20 7614 2614


Simon Bennett
Direct dial: +44 (0)20 7614 2522


Emma Bailey
Direct dial: +44 (0)20 7614 2560


Marc Piano
Direct dial: +44 (0)20 7614 2609


  • Top Ranked Chambers UK 2014 - Leading Firm
  • Ranked in Chambers Europe 2013 - Leading Individual
  • Ranked in Chambers Global 2014 - Leading Firm
  • Legal 500 - Leading Firm
  • The Lawyer UK 200 - Listed Firm
  • The Law Society Excellence Awards 2012 - Shortlisted
  • Investors in People - Bronze