FinTech Horizon Issue 2: December 2025 Editor's note Liam Croucher This edition of FinTech Horizon brings several exciting developments. FinTech start-ups and firms considering regulated products or services may benefit from the proposed provisional authorisation regime as a new route to authorisation. Payments and e-money firms should note updates to the safeguarding and special administration regimes. For FinTech firms looking to improve liquidity or considering an exit, there is an update in the PISCES series and a great piece for founders preparing for acquisition. LemonEdge showcases how they are disrupting the private markets, with innovative technology driving efficiency. Finally, we have cautionary tales relating to regulatory compliance, and what to consider when enforcing IP rights to protect your brand Read the full note Editor's note News FinTech feature with Gareth Hewitt and Jamie Nascimento of LemonEdge LemonEdge is the modern fund accounting platform built to close that gap. Combining an event-driven accounting engine, advanced allocation logic, and control automation so fund managers and service providers can operate with speed, accuracy, and confidence. News Changes to safeguarding rules for payments and e-money firms and the PESAR regime On 7 August 2025, the FCA published its policy statement (PS25/12) on changes to the safeguarding regime for payments and e-money firms which will be contained in the new CASS 15. The new rules are due to come into force on 7 May 2026. News The exit code: A FinTech founder’s guide to acquisition readiness The UK FinTech sector is experiencing a significant uptick in the M&A activity, especially in infrastructure, payments and B2B SaaS platforms. Acquirers are on an active hunt for innovative companies in the FinTech space that can strengthen their technology capabilities and market position. News FCA fines Monzo £21 million for failings in anti-money laundering systems and controls On 7 July 2025, the Financial Conduct Authority (FCA) issued Monzo Bank Limited with a Final Notice, imposing a financial penalty of £21,091,300 for breaches of Principle 3 of the FCA’s Principles for Businesses. News WISE v WISE: Court provides guidance on bad faith arising from broad trade mark specifications Following the Supreme Court decision in SkyKick in November 2024, it has become necessary for brand owners to take into account the court's guidance on bad faith and broad specification terms when filing and enforcing trade marks. News Regulating for growth: The Provisional Licences Authorisation Regime On 5 December 2025, HM Treasury published its Policy Update on creating a Provisional Licences Authorisation Regime (the Regime). News Understanding PISCES – who can invest and how? With a second operator approved, momentum is growing around the Treasury's PISCES initiative. Subscribe Never miss a publication by signing up to our mailing list Subscribe FinTech Horizon: Subscribe FinTech Horizon Issues Previous Issue 2 Dec 2025 Issue 1 Jun 2025 Share
News FinTech feature with Gareth Hewitt and Jamie Nascimento of LemonEdge LemonEdge is the modern fund accounting platform built to close that gap. Combining an event-driven accounting engine, advanced allocation logic, and control automation so fund managers and service providers can operate with speed, accuracy, and confidence.
News Changes to safeguarding rules for payments and e-money firms and the PESAR regime On 7 August 2025, the FCA published its policy statement (PS25/12) on changes to the safeguarding regime for payments and e-money firms which will be contained in the new CASS 15. The new rules are due to come into force on 7 May 2026.
News The exit code: A FinTech founder’s guide to acquisition readiness The UK FinTech sector is experiencing a significant uptick in the M&A activity, especially in infrastructure, payments and B2B SaaS platforms. Acquirers are on an active hunt for innovative companies in the FinTech space that can strengthen their technology capabilities and market position.
News FCA fines Monzo £21 million for failings in anti-money laundering systems and controls On 7 July 2025, the Financial Conduct Authority (FCA) issued Monzo Bank Limited with a Final Notice, imposing a financial penalty of £21,091,300 for breaches of Principle 3 of the FCA’s Principles for Businesses.
News WISE v WISE: Court provides guidance on bad faith arising from broad trade mark specifications Following the Supreme Court decision in SkyKick in November 2024, it has become necessary for brand owners to take into account the court's guidance on bad faith and broad specification terms when filing and enforcing trade marks.
News Regulating for growth: The Provisional Licences Authorisation Regime On 5 December 2025, HM Treasury published its Policy Update on creating a Provisional Licences Authorisation Regime (the Regime).
News Understanding PISCES – who can invest and how? With a second operator approved, momentum is growing around the Treasury's PISCES initiative.