Technology is changing the face of financial services.


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GlobalAngolaAsiaAustriaBelgiumBulgariaCzech RepublicEstoniaFinlandFranceGermanyHungaryIraqIrelandItalyJordanLatviaLithuaniaLuxembourgMauritiusMozambiqueNetherlandsPolandPortugalQatarRomaniaSaudi ArabiaSlovakiaSouth AfricaSpainSwedenSwitzerlandTunisiaUnited KingdomUnited StatesUnited Arab Emirates GlobalAngolaAsiaAustriaBelgiumBulgariaCzech RepublicEstoniaFinlandFranceGermanyHungaryIraqIrelandItalyJordanLatviaLithuaniaLuxembourgMauritiusMozambiqueNetherlandsPolandPortugalQatarRomaniaSaudi ArabiaSlovakiaSouth AfricaSpainSwedenSwitzerlandTunisiaUnited KingdomUnited StatesUnited Arab Emirates Global Technology is changing the face of Financial Services. Business models, products and processes are being challenged in every corner of the industry as traditional assumptions about how financial products are created, distributed and consumed are tested and transformed. Artificial Intelligence (AI) is revolutionizing everything from customer interactions to risk assessment and fraud detection. Distributed Ledger Technology (DLT), including blockchain, has redefined how transactions and record keeping occur, enhancing transparency and efficiency. Digital assets are reshaping global financial markets. These changes, along with customer-centric evolution in payments and retail finance, bring increased scrutiny surrounding cyber security and data privacy, outsourcing and operational resilience. The financial services sector is navigating a multifaceted technological evolution. Our global Technology in Financial Services team comprises multi-disciplinary lawyers at the forefront of change and innovation. We have built our experience on working with clients across the entire market ecosystem, including incumbent institutions, disruptors from other industries, new market entrants and investors. We are recognised thought leaders in all aspects of technology in financial services and are active in policymaker engagement on behalf of the industry, helping to shape rapidly changing regulatory frameworks worldwide. We can support you with legal, regulatory and compliance advice as well as technical and operational guidance, and help you navigate the rapidly evolving regulatory and business environment. We focus on the following areas: artificial intelligence digital assets and distributed ledger technology (DLT) data privacy and cybersecurity operational resilience payments and retail finance Our market-leading practitioners are ready to support your most complex projects across the full spectrum of new technologies and provide advice on all aspects of transactional, regulatory and operational needs. Subsector Practices and Teams Artificial intelligence (AI) has the ability to transform the way our clients in the financial services sector do business. Deployed appropriately, AI can help firms gain competitive advantage by helping them better understand and engage with customers, increase market share and transform internal processes. However, as much as there are significant opportunities, there are also risks and challenges. AI is not bound by geography and effective legal counsel usually requires some form of multi-jurisdictional approach. Wherever necessary, we have lawyers on the ground that can deal with the local legal and regulatory issues while also taking account of the wider international and commercial context. We are also subject matter experts in the underlying technology — supporting financial services clients in the negotiation of critical AI outsourcing and procurement arrangements. Our experience includes advising on the use of AI tools to enhance process efficiency, improve client service and stakeholder engagement, and reduce costs. We also work closely with our multi-disciplinary cybersecurity team which advises on all aspects of data security and risk mitigation for banks, insurers and other financial institutions. In summary, our cross-departmental team can help with all aspects of AI law, regulation and market utilization — including issues involving the ethics, fairness, transparency and accountability of AI systems. For additional information, please click here. From market infrastructure and payments to new asset class origination, distributed ledger technology (DLT) is playing an increasingly important role in the execution of financial services and the creation of new markets. Stablecoins, non-fungible tokens (NFTs) and digital assets of all kinds are rapidly evolving from speculative investments outside the regulatory perimeter into mainstream investment vehicles. Our Global Digital Asset DLT team has years of experience working alongside our clients in research and development, proof of concept, and roll-out of DLT-driven process and product innovation. Relatedly, we can help you advance your DLT strategy through digital-asset regulatory classification, custody and security. Additionally, we assist global retail and investment banks on compliance with requirements relating to blockchain platforms in market infrastructure, as well as and work with clients on novel public and private coin and token offerings, and cross-border distribution. In summary, our team can help with all aspects of the global digital asset ecosystem and supporting infrastructure. For additional information, please click here. Financial technology is changing the face of financial services around the world and challenging assumptions about the way they are delivered. Global threats require a global response, and our experienced practitioners take a cross-practice, cross-jurisdictional approach, advising clients on complex technology projects across the entire financial innovation spectrum, including cybersecurity and data privacy, fintech, payments and all aspects of transactional and regulatory advice. Core among our differentiators is the fact that our team includes former senior government lawyers, assistant US attorneys, advisors to regulatory and supervisory authorities, and chief privacy officers at financial services institutions. In addition to our specialized knowledge, we combine an understanding of the legal and regulatory contexts in key jurisdictions with a fundamental understanding of financial services technology platforms — enabling us to provide time-critical advice and actionable, practical guidance to manage and mitigate cyber and data incidents. In summary, we develop insightful solutions that are customized for our clients’ businesses, allowing them to benchmark acceptable risk with regards to brand reputation and legal liability, and counseling them on how best to address the data privacy issues arising from the global IT platforms and shared service programs that are such integral tools of the global enterprise landscape. For additional information, please click here. Financial technology is changing the face of financial services around the world and challenging assumptions about the way they are delivered. The acceleration of digital transformation programs has also led to an increasing number of collaborations, joint ventures, and reliance on technology outsourcing and investments, all of which have heightened operational resilience concerns. Other trends, such as the advance of artificial intelligence, an increasing focus on cybersecurity and data privacy, the use of cloud computing in core business processes, the use and monetization of big data, and the tokenization of capital, have elevated technology to be among the highest priorities for financial institutions and regulators — who have trained their focus on insulating markets from material disruption and protecting consumers from harm. We work with clients across the entire financial innovation ecosystem, helping them meet operational resilience regulatory requirements through contractual frameworks and enterprise-level compliance. Our experienced practitioners take a cross-practice, cross-jurisdictional approach, advising clients on technology, transactional and regulatory matters across the entire financial innovation spectrum. And in the event that an issue arises, we also assist with incident response, risk mitigation, regulator engagement and customer and stakeholder management. In summary, our Operational Resilience team can help with all functional and regulatory requirements of service delivery in this evolving, technology-driven, global enterprise landscape. For additional information, please click here. Financial technology is changing the face of financial services around the world and challenging assumptions about the way they are delivered. These disruptions are especially acute in the payments and retail finance sector of the global economy, and have affected virtually all facets and stages of the product/service life cycle from digital payments and mobile commerce, to consumer lending, credit card issuance and student loan management. Our Payments and Retail Finance team has extensive experience advising clients on all aspects of the sector, using a cross-border and cross-disciplinary approach to addressing market challenges, including the impact of regulatory change, participation in the global financial markets infrastructure, strategic commercial arrangements, and various forms of transactional matters. Our practice is also known for advising clients on transformational mandates involving digital currencies, foreign exchange platforms and business-to-business services. In summary, our Payments and Retail Finance team can help with all functional and regulatory requirements of service delivery in this evolving, technology-driven, global enterprise landscape. For additional information, please click here. 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Technology is changing the face of Financial Services.

Business models, products and processes are being challenged in every corner of the industry as traditional assumptions about how financial products are created, distributed and consumed are tested and transformed. Artificial Intelligence (AI) is revolutionizing everything from customer interactions to risk assessment and fraud detection. Distributed Ledger Technology (DLT), including blockchain, has redefined how transactions and record keeping occur, enhancing transparency and efficiency. Digital assets are reshaping global financial markets.

These changes, along with customer-centric evolution in payments and retail finance, bring increased scrutiny surrounding cyber security and data privacy, outsourcing and operational resilience. The financial services sector is navigating a multifaceted technological evolution.

Our global Technology in Financial Services team comprises multi-disciplinary lawyers at the forefront of change and innovation. We have built our experience on working with clients across the entire market ecosystem, including incumbent institutions, disruptors from other industries, new market entrants and investors. We are recognised thought leaders in all aspects of technology in financial services and are active in policymaker engagement on behalf of the industry, helping to shape rapidly changing regulatory frameworks worldwide.

We can support you with legal, regulatory and compliance advice as well as technical and operational guidance, and help you navigate the rapidly evolving regulatory and business environment. We focus on the following areas:

artificial intelligence
digital assets and distributed ledger technology (DLT)
data privacy and cybersecurity
operational resilience
payments and retail finance

Our market-leading practitioners are ready to support your most complex projects across the full spectrum of new technologies and provide advice on all aspects of transactional, regulatory and operational needs.

Subsector Practices and Teams

Artificial Intelligence

Artificial intelligence (AI) has the ability to transform the way our clients in the financial services sector do business. Deployed appropriately, AI can help firms gain competitive advantage by helping them better understand and engage with customers, increase market share and transform internal processes. However, as much as there are significant opportunities, there are also risks and challenges. AI is not bound by geography and effective legal counsel usually requires some form of multi-jurisdictional approach. Wherever necessary, we have lawyers on the ground that can deal with the local legal and regulatory issues while also taking account of the wider international and commercial context.

We are also subject matter experts in the underlying technology — supporting financial services clients in the negotiation of critical AI outsourcing and procurement arrangements. Our experience includes advising on the use of AI tools to enhance process efficiency, improve client service and stakeholder engagement, and reduce costs. We also work closely with our multi-disciplinary cybersecurity team which advises on all aspects of data security and risk mitigation for banks, insurers and other financial institutions.

In summary, our cross-departmental team can help with all aspects of AI law, regulation and market utilization — including issues involving the ethics, fairness, transparency and accountability of AI systems. For additional information, please click here.

Digital Assets and DLT

From market infrastructure and payments to new asset class origination, distributed ledger technology (DLT) is playing an increasingly important role in the execution of financial services and the creation of new markets. Stablecoins, non-fungible tokens (NFTs) and digital assets of all kinds are rapidly evolving from speculative investments outside the regulatory perimeter into mainstream investment vehicles.

Our Global Digital Asset DLT team has years of experience working alongside our clients in research and development, proof of concept, and roll-out of DLT-driven process and product innovation. Relatedly, we can help you advance your DLT strategy through digital-asset regulatory classification, custody and security. Additionally, we assist global retail and investment banks on compliance with requirements relating to blockchain platforms in market infrastructure, as well as and work with clients on novel public and private coin and token offerings, and cross-border distribution.

In summary, our team can help with all aspects of the global digital asset ecosystem and supporting infrastructure. For additional information, please click here.

Data Privacy and Cybersecurity

Financial technology is changing the face of financial services around the world and challenging assumptions about the way they are delivered. Global threats require a global response, and our experienced practitioners take a cross-practice, cross-jurisdictional approach, advising clients on complex technology projects across the entire financial innovation spectrum, including cybersecurity and data privacy, fintech, payments and all aspects of transactional and regulatory advice.

Core among our differentiators is the fact that our team includes former senior government lawyers, assistant US attorneys, advisors to regulatory and supervisory authorities, and chief privacy officers at financial services institutions. In addition to our specialized knowledge, we combine an understanding of the legal and regulatory contexts in key jurisdictions with a fundamental understanding of financial services technology platforms — enabling us to provide time-critical advice and actionable, practical guidance to manage and mitigate cyber and data incidents.

In summary, we develop insightful solutions that are customized for our clients’ businesses, allowing them to benchmark acceptable risk with regards to brand reputation and legal liability, and counseling them on how best to address the data privacy issues arising from the global IT platforms and shared service programs that are such integral tools of the global enterprise landscape. For additional information, please click here.

Operational Resilience

Financial technology is changing the face of financial services around the world and challenging assumptions about the way they are delivered. The acceleration of digital transformation programs has also led to an increasing number of collaborations, joint ventures, and reliance on technology outsourcing and investments, all of which have heightened operational resilience concerns. Other trends, such as the advance of artificial intelligence, an increasing focus on cybersecurity and data privacy, the use of cloud computing in core business processes, the use and monetization of big data, and the tokenization of capital, have elevated technology to be among the highest priorities for financial institutions and regulators — who have trained their focus on insulating markets from material disruption and protecting consumers from harm.

We work with clients across the entire financial innovation ecosystem, helping them meet operational resilience regulatory requirements through contractual frameworks and enterprise-level compliance. Our experienced practitioners take a cross-practice, cross-jurisdictional approach, advising clients on technology, transactional and regulatory matters across the entire financial innovation spectrum. And in the event that an issue arises, we also assist with incident response, risk mitigation, regulator engagement and customer and stakeholder management.

In summary, our Operational Resilience team can help with all functional and regulatory requirements of service delivery in this evolving, technology-driven, global enterprise landscape. For additional information, please click here.

Payments and Retail Finance

Financial technology is changing the face of financial services around the world and challenging assumptions about the way they are delivered. These disruptions are especially acute in the payments and retail finance sector of the global economy, and have affected virtually all facets and stages of the product/service life cycle from digital payments and mobile commerce, to consumer lending, credit card issuance and student loan management.

Our Payments and Retail Finance team has extensive experience advising clients on all aspects of the sector, using a cross-border and cross-disciplinary approach to addressing market challenges, including the impact of regulatory change, participation in the global financial markets infrastructure, strategic commercial arrangements, and various forms of transactional matters.

Our practice is also known for advising clients on transformational mandates involving digital currencies, foreign exchange platforms and business-to-business services. In summary, our Payments and Retail Finance team can help with all functional and regulatory requirements of service delivery in this evolving, technology-driven, global enterprise landscape. For additional information, please click here.