Real Estate

Introduction - Multilaw Chair

As the banking and financial services industry continues to be revolutionized by financial technology, or FinTech, it is becoming increasingly clear that the industry is set to be disrupted on a scale which has never been seen before. Fintech applications that are already ubiquitous today – online banking, mobile payment, cryptocurrency, ICOs etc. – were unheard of even a decade ago, and the rate of innovation is accelerating at a dizzying pace. It is therefore vital for legal practitioners and their clients to have a firm grasp of the regulatory frameworks governing these inherently global technologies as they emerge...

Piyanuj "Lui" Ratprasatporn
Tilleke & Gibbins
Bangkok, Thailand

Preface - Chair, Multilaw Banking & Finance Practice Group

I am delighted to present the client version of the Multilaw FinTech Guide.

The next disruption in the banking and financial industry will likely be caused by FinTechs and FinTech oriented services and many believe that FinTechs and FinTech oriented services are and will be the driving force to fundamentally change and shape the future of the banking sector...

Andreas Walter
Frankfurt, Germany


The 2018 guide covers 15 different business areas that FinTechs are predominantly working in with an overview of the legal requirements and barriers within the different jurisdictions.

1. Payment Services / Mobile Payment

2. Asset and Portfolio Management

3. Consulting and Broking Services / Robo-advisory / Auto-trading

4. Trading Platforms / Social Trading Platforms / Signal Following

5. Crowdfunding / Crowdinvesting / Crowdlending

6. Virtual Currency - Bitcoin

7. Loan Services / Factoring / Loan Broking / Finetrading

8. Online Banking Services

9. Analytics and Research / Data Management / Risk Management

10. Accounting

11. Identification

12. Online-pawning

13. InsurTech

14. RegTech

15. Initial Coin Offerings (ICOs)

The information in this guide provides a general overview at the time of publication and is not intended to be a comprehensive review of all legal developments nor should it be taken as opinion or legal advice on the matters covered. It is for general information purposes only and readers should take legal advice from a Multilaw member firm.

Publication Date: 1 August 2019