Fintech

Our specialist expertise helps ensure stability and progress for our clients in a rapidly evolving environment. The fintech market has flourished over the last decade, creating an increasingly demanding regulatory framework. EU initiatives such as DORA (Digital Operational Resilience Act) have introduced significant requirements for financial market players - especially fintech companies and crypto-asset service providers whose businesses depend on resilient ICT services. These changes have raised the bar for compliance and operational resilience, making proactive legal guidance more critical than ever.

We provide a true one-stop shop for fintech legal needs, combining deep regulatory knowledge with transactional, contractual, and governance expertise. This means clients can rely on us for everything from licensing and compliance to cooperation agreements, product development, technology agreements, outsourcing arrangements, and employee incentive structures, all under one roof. Whether you are a fintech start-up or an established market player, we understand both the challenges and opportunities in this sector and stand ready to provide accurate guidance. 

• Regulatory aspects
  We advise fintech businesses on all stages of their regulated life, including licence applications, communication with regulators, organisational and management issues (such as board composition and remuneration), marketing approvals, capital adequacy requirements, and compliance with frameworks such as MiCA, PSD2 and DORA. A large part of our business consists of assisting crypto-asset service providers and other innovative financial market players, such as insurtech companies and various payment service companies.
   
• Legal documentation
  We draft and review key legal documents, including customer agreements, general terms and conditions, supplier agreements, financing documentation, SaaS agreements, and third-party outsourcing arrangements.
   
• Internal governance
  We help implement robust routines and policies, such as AML/CFT frameworks, DORA frameworks, ICT security standards, and GDPR/data protection compliance.
   
• Compliance/investigation
  We assist when authorities approach clients, including during on-site inspections and investigations. In addition, our experts can act as an in-house compliance function, either as a short-term solution due to a vacancy or because of recently increased organisational requirements within a certain sector, or on a full-year basis. This service leverages our team’s prior experience in similar roles to provide hands-on support with regulatory obligations, reporting, and governance.
   
• Cross-border and expansion
  For businesses looking to passport their financial services, either on a Freedom of Services basis or through a legal branch expansion - our pan-Scandinavian team provides guidance on gold-plating requirements, best practice standards, and navigating the regulatory landscape across the Nordic market. We also support clients expanding into neighbouring markets by delivering seamless cross-border regulatory expertise between Norway, Sweden and Denmark, ensuring compliance and operational efficiency for all financial services.