22 January 2020 | 42 mins 22 secs
Payments has become one of the most active areas in Fintech with M&A activity at the highest levels it’s been for years. In this episode of Fintech Legal we talk to Judie Rinearson, partner at law firm K&L Gates and one of the leading names in legal/regulatory world of Payments, about the payments space in the US, the six areas of law that US payment providers need to be familiar with, the relationship between US payment providers and their banks, and US banks’ approach to de-risking.
25 November 2019 | 51 mins 39 secs
In this episode of Fintech Legal we talk to Daniel Gabriel, Accenture Legal Director and Global Regulatory Lead for Finance, Blockchain and BPO, and owner of one of the most interesting jobs around: figuring out regulatory solutions that enable Accenture’s customers to achieve their business objectives. In this wide-ranging discussion we talk about Blockchain regulation, Libra, CBDC, geopolitics, digital assets, use cases and – critically – how to keep on top of the reading.
19 November 2019 | 28 mins 39 secs
Neobanks are not only springing up in domestic territories, but also offshore. In this episode of Fintech Legal we talk to Jason Blick, CEO of EQIbank, arguably the leading offshore digital bank and, according to the press, the first outspokenly crypto-facing bank.
19 September 2019 | 38 mins 25 secs
Credit Kudos is credit bureau challenger. Credit Kudos has introduced a whole new model – instead of a credit score built up from a series of random interactions, Credit Kudos uses open banking to get (consent based) access to a would-be borrower’s financial history, and calculates a credit score from that hard data. In this episode we talk to Freddy Kelly, co-founder of Credit Kudos, and talk about how the business go started, getting the required authorisations, liaising with the FCA, GDPR issues, the advantages of consented data, machine learning and much more.
21 August 2019 | 39 mins 42 secs
OakNorth bank is one of the UK’s leading challenger banks. It’s the UK’s first in-the-cloud bank and, arguably, the UK’s most valuable fintech company. In this episode, we talk to Ben Wulwick, Head of Legal and Transaction Management, about how running a legal department in a challenger bank differs from running a legal department in a traditional bank, and to Ben Barbanel, Head of Debt Finance, about how OakNorth’s approach to lending differs to that of traditional banks and to that of most fintech companies.
31 July 2019 | 46 mins 49 secs
Payment services are experiencing explosive growth at the moment. Merger activity is four times greater than this time last year, and shows no signs of slowing down as players and investors fight for market advantage. In this podcast Jake Ghanty, of London law firm Kemp Little, explains how payment services are regulated in the UK. This is essential listening for anyone who wants to understand how one of the key areas of Fintech is regulated.
17 July 2019 | 51 mins 31 secs
A fascinating interview with Akber Datoo, one of the pioneers of the digitisation of documents and smart contracts. Akber started off with a computer science degree, and was soon building trading desks for investment banks. He then requalified as a lawyer, and became a derivatives lawyer for Allen & Overy. He then left to set up his own company, D2 Legal Technology, which helps banks, insurance companies and other financial institutions move their legal function from dealing with unstructured data to structured data. In the podcast, Akber explains what the move looks like, the benefits it brings, the impact it has on – and the opportunities it brings for – legal departments. The discussion concludes with a look at smart contracts and how they are likely to evolve.
29 June 2019 | 32 mins 43 secs
crowdfunding, fca, lending, living will, market lending, marketplace lending, p2p, zopa
What are the differences between crowdfunding and P2P lending? What is the origin of the regulation and how is it applied? What legal constructs are used to establish a P2P lending framework? And what are the FCA proposals for changes to P2P regulation?