Jurisdiction(s):
United Kingdom

Related legal acts

Key definition

Fintech definition

What does Fintech mean? In legal practice, fintech describes technology‑driven activities that deliver, enable or improve financial services across banking, payments, insurance and investment for retail and corporate users. It is not a defined legal term in UK or Irish legislation or case law, but a descriptive label used across multiple regulatory and contractual contexts. Work typically concerns whether the model sits within the regulatory perimeter and needs authorisation or registration, for example under the UK Payment Services Regulations, Electronic Money Regulations, FSMA permissions, insurance distribution, consumer credit, or EU/Irish regimes implementing PSD2, the Electronic Money Directive, MiFID II and the Insurance Distribution Directive. Common...

Fintech in Debt Capital Markets: Tokenised/Digital Bonds, AI and Cryptoasset ETNs—Legal and Regulatory Developments, Sandboxes and Industry Standards

Published by a LexisNexis Banking & Finance expert

Practice notes

In recent years, most sectors have felt the effects of innovation and emerging technology. Much of this progress is driven by the aim to lower Costs and enhance efficiency. So far, disruption within the debt capital markets has been limited, chiefly due to significant entry barriers such as capital Requirements and regulatory scrutiny. This is changing, however, as these markets begin to adopt new technologies...

What is Fintech?

There is no single agreed definition of ‘fintech’, but the term is commonly used to capture technology-enabled innovation within financial services.

cryptocurrencies/cryptoassets (eg bitcoin)
blockchain or distributed ledger technology (DLT)
artificial intelligence (AI) and machine learning (ML)
crowd funding platforms
‘telematics-based’ insurance (eg where data is collected to monitor driving)
mobile banking

Why is fintech being explored for the debt capital markets?

Technological innovation is increasingly touching the debt capital markets for several key reasons. These include:

a drive for cost efficiency
regulatory reasons (including UK Capital Requirements Regulation, UK MiFID II framework)...

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Web page updated on 29/05/2026

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