FinTech

FinTech is reshaping how financial products and services are developed, delivered, and consumed. Our FinTech lawyers combine financial services and technology expertise to help established institutions, scaling FinTechs, and technology providers innovate, manage risk, and respond to an evolving regulatory landscape.

Overview

We support clients across the lifecycle of financial technology, whether you are developing, investing in, procuring, or scaling a FinTech solution. From product development and strategic partnerships to digital transformation and international expansion, we provide practical advice grounded in an understanding of both the technology and the financial services market.

Our multidisciplinary team brings together expertise in technology and commercial contracts, financial services regulation, data protection, intellectual property, AI, corporate transactions, and dispute resolution. This allows us to support technologies and business models including payment platforms, digital distribution, digital lending, open finance, wealthtech, cloud-based services, and AI-driven solutions. We also support FinTech businesses with regulatory status, FCA authorisation, sandbox participation, and compliance frameworks.

Our expertise includes:

  • Technology procurement and complex commercial contracts
  • Financial services regulation and governance
  • FCA authorisation and regulatory compliance
  • Data privacy, security, and operational resilience
  • AI governance and responsible deployment
  • Software licensing and intellectual property
  • Corporate structuring, investment, and growth

Whether you are bringing a new proposition to market, integrating third-party technology, or scaling an established platform, we help you navigate regulatory and commercial complexity while keeping your wider business objectives in focus.

Featured experience

Digital transformation

Advising a professional services firm on a major digital transformation, including procurement of a multi million pound cloud based banking platform

Regulatory and compliance issues

Supporting a leading SaaS provider for IFAs with customer contracts, financial services regulatory issues, and data compliance

Digital banking platforms

Advising a scaling FinTech business on the deployment of its digital banking platform into a major financial institution

Innovative banking arrangements

Working on innovative open banking arrangements, including one of the first successful UK implementations

Fundraising rounds

Supporting multi million pound fundraising rounds for digital challenger banks and payment technology service providers

FAQs

Yes. We combine financial regulatory experience with deep expertise in technology, data, AI governance, and commercial contracts, enabling us to support projects that sit across both regulatory and technical environments.
Yes. We review authorisation requirements, governance, operational resilience, outsourcing rules, consumer protection obligations, and compliance frameworks such as DORA, helping you understand and manage regulatory risk from the outset.
We do. Our specialists advise on data privacy, information security, AI assurance, and intellectual property protection, including rights ownership, licensing, and safeguarding proprietary technology.
Yes. We negotiate and draft complex commercial agreements, including platform development contracts, cloud and SaaS arrangements, outsourcing, integrations, and strategic partnership structures.
Yes. Our corporate team supports scaling businesses and investors with fundraising rounds, M&A activity, joint ventures, and broader corporate structuring as businesses grow or enter new markets.

FinTech key contacts

Who we are

Why choose DAC Beachcroft?

We’re a broad-based commercial firm serving a wide range of sectors with a strong heritage in insurance,
health and real estate. We combine excellent legal skills and cutting-edge delivery expertise to design
solutions that fit the needs of our clients – often involving clever uses of technology.