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Clifford Chance

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Our global fintech offering extends across market-leading practices in Europe, the US, the Middle East, Africa, Asia and Australia.

Clifford Chance's global team of fintech experts advises the clients that are shaping the converging financial and technology sectors. We have developed fintech expertise across M&A, technology, data privacy, financial regulation, capital markets, tax, antitrust, intellectual property and cyber security. Our roster of clients is also varied and includes the financial institutions that focus on technology, technology companies, emerging fintech and insurtech players, startups and consortia.

Why Clifford Chance is best placed to advise you

  • A world-leading financial markets practice. Our integrated team of finance and capital markets lawyers is one of the world’s foremost legal advisers to the financial sector. We act on the financial markets’ most ground-breaking deals and are trusted advisers to both corporations and financial institutions as they adapt to waves of technological change.
  • A dedicated technology practice. Our dedicated lawyers stay ahead of technological change by closely following on the latest trends and transformations in fintech, regtech, proptech and beyond. Our fintech advice addresses more than just the combination of finance and technology. We focus on the fintech developments that are impacting the financial sector, including key competencies in marketplace lending, blockchain, smart contracts, initial coin offerings, artificial intelligence and insurtech. In addition, our M&A technology specialists have an extensive experience in the fast-moving ecosystem of high-growth tech companies and venture capital.
  • A longstanding relationship with financial regulators. Our global fintech regulatory experience is a unique proposition – few firms offer the scale and quality that we can globally. Our in-depth knowledge of the regulatory landscape, coupled with our strong relationships with regulators, means that we are uniquely placed to support your fintech initiatives by creating innovative legal solutions that work.
  • Innovation is at the heart of our own strategy. We prioritise and adopt innovative solutions, and continuously look to deliver the benefits to our clients. Evidence of this commitment includes: an expanding e-business product offering; the adoption of decision-tree technology, tagging, predictive coding and intelligent knowledge-acquiring software; the development of our own automated drafting tool; and a senior partner exclusively dedicated to Innovation and Business Change.
  • A global cross-border perspective. Clifford Chance has a global network which means that we can provide a truly international perspective. We have fintech specialists across all the major financial centres. We can work with you to implement your innovation vision and strategy on a truly global basis with a single-firm approach across geographies and as you grow internationally.

Our broad range of client and work types has provided us with the insight and opportunity to produce extensive market commentary and thought leadership around fintech. We have launched the Talking Tech microsite, which delves into fintech topics in its own dedicated section. We also host a comprehensive fintech topic guide on our Financial Markets Toolkit, providing an overview of global fintech regulatory developments as well as showcasing our wide range of related thought-leadership pieces, including blockchain, smart contracts and initial coin offerings.

Resources

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Client experience

  • Advising HQLAx on the first live securities lending transaction settled using R3's Corda blockchain platform
  • Advising BBVA on the subscription for a 29.5% stake valued at £45 million in Atom Bank, the UK’s first digital-only lender.
  • Advising Copernicus Gold on the regulatory implications and licensing requirements applicable to a proposed online payment system that will use blockchain technology and will be gold-linked.
  • Advising Credit Suisse AG on the establishment of their digital private banking platform and acquisition of/collaboration with a fintech startup to enhance the provision of financial services on such digital platform.
  • Advising ETF-matic, a provider of roboadvisor investment management services, in relation to a joint venture agreement with Revolut, a payment services company
  • Advising Flow Traders, a leading global liquidity provider, and its shareholders, including US private equity firm Summit Partners, on the IPO and listing on Euronext Amsterdam.
  • Advising the Mara Group on its joint venture with Wellington Management Company and Mozido Inc. to launch Africa's first mobile messaging and payment platform Mara Online.
  • Advising Mastercard on the antitrust aspects and group funding arrangements with respect to its c. £700 million acquisition of VocaLink, the payment systems company that provides the central processing infrastructure to the UK's Bacs, FPS and LINK payment systems.
  • Advising on a regulatory analysis of fintech platform, Payrala, including on FCA permissions and the most efficient route to market.
  • Advising Kenyan telecoms operator Safaricom on its next generation M-Pesa mobile payment solution, including advice on intellectual property protection and ownership, development and exploitation contracts.
  • Advising on marketplace lending transactions involving most major US platforms, including: the acquisition of consumer loans from LendingClub, Prosper and Avant; the acquisition of SME loans from OnDeck and Funding Circle; credit facilities with leading national and state bank syndicates; warehouse facilities with international investment banks; the securitization of consumer and SME loans; and transactions involving real estate platforms, including LendingHome.