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Retail and Digital Finance 

Digital innovation is bringing new opportunities to the retail finance sector which can benefit firms and consumers alike. However, the sector can be complex to navigate. 

There are ever-changing regulatory requirements and increased regulatory scrutiny, particularly with regards to customer vulnerability, affordability, cyber security and AML. Now, more than ever, it is important to prioritise legal and regulatory compliance.   

Our retail and digital finance team includes financial services specialists, many of whom have worked in-house or spent time on client secondments with retail financial services firms and fintechs. It is this experience that gives us the commercial mindset to help you navigate a complex and ever-changing product and regulatory regime.

We offer strategic advice to both fintech disruptors and traditional retail banks, building societies, motor finance and asset finance firms, mortgage lenders, and point of sale finance and credit card providers, at all stages of the life-cycle. We can help with developing new products, applying for authorisation, ensuring that services continue to comply with the fast pace of regulatory change, and in responding to potential regulatory breaches.

In addition to advising on compliance with the core consumer credit and mortgage regulatory regimes, we cover fairness, money laundering, mis-selling, payment services and data protection.


  1. European Financial Services Regulatory Team of the Year - winners at the IFLR Europe Awards 2018 and 2020