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FCA TechSprint 2024 ”“ A Catalyst for Inclusive Financial Technology

Embracing Innovation for Financial Inclusion: FCA’s TechSprint Initiative

The Financial Conduct Authority (FCA) has launched a new TechSprint focussing on the topic of Financial Inclusion. The application period will run from the 19th of January until the 13th of February. The cohort- based sprint will then run from 7th March to 30th May 2024. This initiative is aimed at leveraging technological solutions to foster financial inclusion, a critical step towards a more equitable financial landscape.

A Virtual Journey Culminating in Glasgow

The three-month TechSprint will be conducted virtually, allowing widespread participation and collaboration. The event will culminate in an in-person showcase on 30 May 2024 in Glasgow, Scotland, offering a platform for participants to present their innovative solutions.

The FinTech Scotland Research & Innovation Roadmap identified that with advances in new data sources and emerging technology capabilities being developed by Academia and innovative SMEs within the sector Scotland has the history, the experience and the capabilities to take a leading role on the development and acceleration of solutions and widening access to inclusive products and services.  Companies like Inicio, InBest, Amiqus and ClearScore are great examples of leading innovative fintechs spearheading the use of data and technology to support financial inclusion.

Glasgow is also home to the Financial Regulation Innovation Lab (FRIL) which launched in December 2023. The FRIL project is funded by the Glasgow City Region (GCR) Innovation Accelerator programme led by Innovate UK on behalf of UK Research and Innovation. The GCR accelerator supports the UK Government’s levelling-up agenda which at its foundation supports sustainable and inclusive economic growth across all the nations and regions. An inclusive banking and financial sector is integral to achieving this. This Techprint is designed to tackle challenges spanning not only access to financial services but also issues encountered throughout the consumer journey.

Tackling Key Problem Statements

The TechSprint is structured around three fundamental problem statements:

  1. What technological solutions can help to increase the probability of consumers being accepted when they apply for everyday financial services, such as basic bank accounts, credit or insurance products?  
  2. What technological solutions can help to deliver positive outcomes for consumers when a firm declines their application for a product, or when at a subsequent point in the consumer journey they become excluded because the product is no longer suitable for their needs?”¯ 
  3. How can technology, including AI, be deployed to ensure that firms deliver good outcomes across the board to groups of consumers who have been excluded or not well-served in the past, particularly in retail banking, payments, credit and insurance?

Leveraging the FCA Digital Sandbox

The FCA’s unique digital sandbox will be a central resource in the TechSprint, offering access to both real and synthetic data. Participants are encouraged to bring their data or explore other data sources to fuel their innovative solutions.

Building Diverse and Dynamic Teams

Participants in the TechSprint will form diverse teams including visionaries, challengers, and thinkers, ensuring a breadth of perspectives and ideas. These diverse teams are expected to bring their unique personalities and approaches to the table, fostering creativity and innovation.

The TechSprint will encourage collaboration among a diverse range of industry participants and stakeholders. Teams are encouraged to engage in collaborative discussions and sessions throughout the event. The focus is not just on competition but on collective innovation and knowledge sharing.

A period of heightened focus

The TechSprint will contribute to a wider programme across Scotland focused on financial inclusion. FinTech Scotland, Financial Inclusion Scotland, Scottish Financial Enterprise, and Smart Data Foundry are all working in collaboration with industry, regulators and government on a range of initiatives all focused on driving financial inclusion, for people, and businesses.  There are a number of initiatives under way for 2024 that create the opportunities to collaborate and drive action on this important agenda.

Solutions will be multifaceted and will require a large degree of public and private sector collaboration. FinTech Scotland’s cluster management approach brings together consumer groups, academia, the financial services sector, technology innovators, data experts, regulators and government and fosters the right environment for collaborative problem solving.

Getting Involved in the Tech Sprint

Interested parties are invited to apply for participation or mentorship in the TechSprint. Applicants are asked to provide detailed information about their experience, data sets, additional resources, and expertise. The FCA stresses the importance of diversity in applications, reflecting its commitment to inclusivity.

Further information on how to get involved, deeper dives into the use case statements and frequently asked questions as well as a detailed participation pack can be found here

Please include a point that the sprint opens for applications on 19th of January – running until the 13th of February.

FinTech Scotland launches ground-breaking Innovation Lab, evolving the future of UK financial regulation

FinTech Scotland proudly announces the launch of the Financial Regulation Innovation Lab (FRIL) – a dynamic initiative set to revolutionise and shape the future regulatory landscapes in the UK and around the globe. Championing the frontier of financial regulation and harnessing cutting-edge technologies, FRIL is set to help ignite employment creation and business opportunities, while also unlocking the potential of future talent.

In partnership with the University of Strathclyde and University of Glasgow, FRIL will deliver a wide-ranging, ambitious research agenda, led by and actionable for the financial sector, to help advance understanding and adoption of new and emerging technologies. The Lab delivers one of the strategic recommendations laid out in the FinTech Research & Innovation Roadmap, launched in March 2022 and aligns with the recently announced UK innovation initiative, the CFIT, formed in response to the HM Treasury FinTech Sector Review.

The Lab will engage participants in industry-led innovation challenge calls, integrate academic research with an industry-relevant agenda, design and implement a skills and education programme, and facilitate knowledge exchange through workshops, roundtables, conferences and trade missions. 

“FinTech Scotland is uniquely positioned within the Scottish fintech industry to lead such an initiative as it will work to inspire collaborators across Scotland, the UK and globally, enabling those around the world to see Glasgow’s financial services capabilities,” said Nicola Anderson, CEO of FinTech Scotland. “Bringing the fintech community of industry, academics and regulators together to explore, test and experiment with new technologies is an important part of our mission.”

 

Professor David Hillier, Associate Principal and Executive Dean of the University of Strathclyde Business School said  “The University of Strathclyde is delighted to partner with Fintech Scotland and the University of Glasgow to deliver this critical initiative. We have significant capabilities across the university in emerging technologies including AI, space and quantum, which we look forward to leveraging through FRIL. We look forward to continuing our work with industry, policy makers, regulators and innovative SME’s to drive actionable solutions and deliver on FRILs ambitious agenda.”

 

Professor Eleanor Shaw, Head of the Adam Smith Business School, University of Glasgow said, “The Adam Smith Business School is very pleased to be a founding partner alongside our colleagues in Fintech Scotland and the University of Strathclyde to deliver FRIL. The opportunity to transform the regulatory landscape is remarkable and we are excited to work with partners across all sectors to deliver a collaborative centre of excellence for cutting edge developments in financial regulation.”

 

Stephen Ingledew OBE, Chair of FinTech Scotland, explained, “Once more, FinTech Scotland is taking proactive measures to showcase the effectiveness of how a cluster approach can accelerate the UK’s ability to seize competitive advantage in the future of financial regulation and fintech innovation. FRIL will allow us to continue to endorse the opportunity from the fintech sector to support growth across the UK economy.”

 

The research will cover various aspects of financial regulation, including the following areas:

  • Explainable AI Applications for ESG Risk Management:
  • Simplifying ESG Regulation Compliance through Explainable Intelligent Automation
  • Using Automation and AI to Combat Money Laundering
  • Synthetic Data for Financial Regulation Innovation
  • Generative AI for Improved ESG Reporting and Monitoring in Financial Services

 

FRIL, which is specifically funded by the Glasgow City Region Innovation Accelerator programme (led by Innovate UK on behalf of UK Research and Innovation), will work with industry participants, including large established financial institutions, the Fintech community, academics, voluntary organisations and regulators across the UK. The first four industry-led Innovation Calls to be issued in conjunction with Lab will cover four topical areas:

  • AI and compliance: Utilising emerging technologies to simplify compliance process and monitoring.
  • Consumer Duty: Supporting consumer duty obligations and enhancing financial inclusion outcomes.
  • Financial Crime: Addressing future challenges of financial crime.
  • ESG: Meeting new regulatory requirements, leveraging new data and new technologies.

 

Full details of these Innovation Calls will be published here.

Facilitating collaboration and knowledge exchange, FRIL’s output will include white papers, podcasts, newsletters, blogs and a series of events including roundtables, conferences and trade missions. The white papers in particular will cover academic and industry thinking, addressing key questions posed by the opportunity emerging technologies present for financial regulation. The topics of the white papers will be added to and revised on a regular basis ensuring it is Industry led and responsive to Industry needs.

 

In its pursuit of researching the adoption of emerging technologies into financial services to build confidence in solutions and ultimately demonstrate their ability to meet regulatory standards worldwide, FRIL is committed to focusing on innovations and solutions that can effectively address some of the industry’s most pressing issues.

Notes:

This project is funded (or part-funded) by the Glasgow City Region Innovation Accelerator programme.

Led by Innovate UK on behalf of UK Research and Innovation, the pilot Innovation Accelerator programme is investing £100m in 26 transformative R&D projects to accelerate the growth of three high-potential innovation clusters ”“ Glasgow City Region, Greater Manchester and West Midlands. 

Supporting the UKGovernment’s levelling-up agenda, this is a new model of R&D decision making that empowers local leaders to harness innovation in support of regional economic growth and help attract private R&D investment and develop future technologies.

Glasgow has a remarkable history rooted in industry and innovation and is home to world-leading science and technology expertise. The Innovation Accelerator programme will support the Region’s key economic aims of increasing productivity, delivering inclusive growth and achieving net zero.



Special Scotland Fintech Festival 2023 – Nicola Anderson, CEO at FinTech Scotland

Season 3, episode 10

Listen to the full episode here.

Scotland Fintech Festival took place between the 21st of September and the 12th of October. With over 50 events the festival was a real success this time again.

During the launch event, the Fintech Summit, we recorded special episodes in collaboration with collaboration platform Findr.

In this episode we speak with Nicola Anderson, CEO at Fintech Scotland about the festival itself as well as initiatives that are underway, delivering the recommendations of the ⁠UK Research & Innovation Roadmap⁠.

Navigating the Future: The UK’s Competitive Edge in Fintech Regulation and Innovation

“The UK has a strong competitive advantage in areas like cybersecurity, privacy and, increasingly, artificial intelligence. A lot of work, however, remains to be done. This is not an automatic process by any means,” outlines Dr Devraj Basu, Senior Lecturer in Finance in the Accounting and Finance department at the Strathclyde Business School. Basu helped set up the RegTech Forum which brings together industry, academia and government to help understand the fast moving RegTech landscape and how Scotland and the UK can position themselves to become leading global players.

“While the UK has well established strengths, it needs to pull together all these very different areas by creating an ecosystem solution,” he continues. Basu feels that if the UK provides a proper regulatory framework in the context of technology it will provide a greater impetus in unlocking innovation. A stable regulatory framework is also needed to adapt to technological change to ensure it’s fit for consumers – AI being a prime example. But the UK needs to simultaneously join up with international best practice as well. “These elements require a deep understanding of all the issues, as well as an aspect of agility to bring together all the different stakeholders,” he says.

Regarding the appetite of UK regulators towards the development of overarching digital public infrastructures (such as the so-called India Stack’ built on Aadhaar, India’s digital ID system), Basu believes that the UK can learn from establishing digital identities, preferably through the creation of an overarching framework for privacy regulations. However, the parallels stop there. This is because the UK would, unlike India, have to tackle its legacy technology issues. Further, the UK’s Financial Conduct Authority (FCA) can only play a limited role in transforming legacy infrastructure because rather than dishing out prescriptive directions to industry, the FCA is a principles-based regulator which can only outline overarching maxims.

In terms of innovating financial regulation itself, Basu feels that the UK has done the right thing by introducing regulatory sandboxes. Moreover, he feels strongly that the FCA should start looking at the costs that regulations impose on businesses and how they can be minimised. This could be achieved by implementing a by design’ philosophy by providing either high-level roadmaps that minimise cost or interactive processes that lead to better regulation. “One way of being innovative is if the regulator could convince organisations that the adoption of new regulations would actually improve products or sales. One thing that’s come out of our RegTech Forum is this notion of the by design’ philosophy, which takes a proactive view on regulation, which in turn encourages innovation,” Basu explains. “Ideally a regulator should be a body that guides businesses through a process and helps them get better.”



New partnership to tackle financial fraud using synthetic data

In the ever-evolving landscape of financial fraud, Authorised Push Payment (APP) Fraud has become a prominent concern for both regulators and financial institutions. In 2022 alone, a staggering £485.2 million was lost to APP Fraud scams, accounting for a significant 40% of all financial fraud losses during that period. To combat this growing problem, the Financial Conduct Authority (FCA) and the City of London Corporation have teamed up with Smart Data Foundry to provide innovative solutions and support their mission to eradicate APP Fraud.

 

Smart Data Foundry’s aizle Synthetic Data Engine

At the heart of this collaboration lies Smart Data Foundry’s cutting-edge aizle® synthetic data engine. This powerful tool is being harnessed to create a synthetic dataset tailored specifically for APP Fraud. This dataset will be accessible through the FCA’s Permanent Digital Sandbox, providing a resource for innovators and stakeholders in the fight against APP Fraud.

 

Understanding APP Fraud

APP Fraud occurs when individuals are deceived into transferring money to fraudsters posing as legitimate entities or individuals. The consequences of falling victim to these scams are devastating, particularly for those who are financially vulnerable. It is a pervasive issue that requires comprehensive and innovative solutions to address effectively.

 

TechSprint Initiative and Continued Development

Recognising the urgency of the problem, the FCA and the Payment Systems Regulator (PSR) organised a TechSprint event in September 2022, focusing on combating APP Fraud. Smart Data Foundry played a pivotal role during this event by providing their APP Fraud synthetic dataset. Building on this momentum, Smart Data Foundry has continued to refine and expand their dataset to meet the evolving needs of the industry.

 

The Importance of Quality Data

Access to high-quality data is essential in the fight against financial fraud. It enables innovators to test ideas, develop proofs of concept, and refine models effectively. The APP Fraud synthetic dataset, provided by Smart Data Foundry, covers the entire lifecycle of APP Fraud, offering a representative and relevant resource for researchers and organisations striving to combat this growing threat.

Bryn Coulthard, Chief Product and Technology Officer at Smart Data Foundry, stated,

“We focus on creating high-utility synthetic data to enable innovation within the financial services industry. We are delighted to continue partnering with the FCA with our APP Fraud datasets to help play a part in tackling this growing problem and to help ignite and accelerate innovation in this space.”

Photo by Sora Shimazaki: https://www.pexels.com/photo/crop-cyber-spy-hacking-system-while-typing-on-laptop-5935794/

FinTech Scotland appoints senior leader to accelerate plans for the Financial Regulation Innovation Lab

FinTech Scotland has announced today the appointment of a new senior leader, Trish Quinn, who joins as Strategic Innovation Director. Trish will be leading the development of the Financial Regulation Innovation Lab (FRIL) which is due to launch later on this year.

The Financial Regulation Innovation Lab (FRIL) is one of the recommendations laid out in the UK Fintech research & Innovation Roadmap published in March 2022. It is set to be a new collaborative centre of excellence for cutting-edge fintech developments in financial regulation. The Lab will explore solutions that aim to streamline regulatory processes, enhance compliance measures, and drive efficiencies across the financial sector.

FinTech Scotland, in partnership with industry partners, and with the University of Strathclyde and the University of Glasgow, will stand up the launch the Lab and drive progress this year. This industry-led initiative showcases the power of the Fintech Scotland Cluster to drive innovation.  This project is funded by the Glasgow City Region Innovation Accelerator programme, led by Innovate UK on behalf of UK Research and Innovation. This financial support from the UK Government continues to endorse the opportunity from the emerging fintech sector to support growth across the UK economy.

As the newly appointed Innovation Director, Quinn will be responsible for leading the Lab and working with partners across Scotland and in the UK, in delivering a programme      that will enable efficiencies through technology to meet the needs of current and future financial regulation. Quinn brings a wealth of experience in digital transformation and digital product development to her new role, having previously served in a number of senior digital roles in both the UK and     Scottish Government.

Commenting on her appointment, Trish Quinn said:

“I am delighted to join FinTech Scotland as the Innovation Director and lead the Financial Regulation Innovation Lab. The potential to reshape      the financial industry through technology applied to financial regulation is significant, and I am excited to join the team at FinTech Scotland to drive innovation, foster collaboration, and contribute to the growth of the fintech sector.”

Nicola Anderson, CEO of FinTech Scotland, said:

“Trish brings      extensive experience in digital transformation, leading strategic initiatives across her career with an emphasis on      change through collaboration and partnerships.      Her leadership and experience will help us accelerate the Lab’s development, creating the conditions needed for more fintech growth in Glasgow and the FinTech Scotland cluster.

David Hillier, Associate Principal and Executive Dean of the University of Strathclyde Business School said:

“We are excited to welcome Trish to lead this critical initiative. The University of Strathclyde has significant expertise to bring, and we’re looking forward to driving this initiative, working closely with our industry partners across the FinTech Scotland Cluster and our academic partners in the University of Glasgow to drive this opportunity for Glasgow City Region. The Lab creates the environment for high-potential innovation in a subject that’s fundamental to the success of our financial system”.

Eleanor Shaw, Head of the University of Glasgow Adam Smith Business School said:

“Trish will lead a ground-breaking initiative that’s a first for Scotland and the UK, and we are delighted to be working with her. It’s fantastic to see Glasgow City Region’s innovation capabilities and ambition come together to create what will become a key asset for Scotland and the UK in driving innovation in financial regulation. The University of Glasgow is looking forward to playing a leading role.”

Dr. Catherine Martin, Vice Principal Corporate Services, University of Edinburgh said:

“I’m very pleased to welcome Trish to FinTech Scotland and want to congratulate her on this appointment. The Financial Regulation Innovation Lab is an exciting new endeavour and we at Edinburgh are pleased to support this opportunity for Glasgow and for Scotland. As a founding member of FinTech Scotland it’s a pleasure to see the fintech opportunity continue to grow across Scotland and the UK”.

Fintechs and DORA, everything you need to know!

Season 3, episode 7

Listen to the full episode here.

On November 10th, 2022, the Digital Operational Resilience Act (DORA) was approved by the EU.

It is designed to standardise IT risk requirements in the financial sector to ensure that all participants of the financial system are subject to a common set of. 

Amongst other things it introduces an oversight framework for critical third-party providers.

In this podcast we will discuss how this new EU regulation can impact fintech firms that are very often providing 3rd party services to established financial firms.

Guests:

Yvonne Dunn, Partner at Pinsent Masons

Wayne Scott, Regulatory Compliance Solutions Lead at NCC

Jamie Graves, technical advisor on the TrueDeploy project

FinTech Scotland secures UK Government funding to Accelerate Innovation in Financial Regulation

FinTech Scotland has secured UK Government funding to accelerate innovation in Scotland’s fintech cluster. The funding will advance research and innovation in financial regulation.

The FinTech Scotland initiative in partnership with industry partners, and with Strathclyde and Glasgow universities includes the creation of a new collaborative centre of excellence, called The Financial Regulation Innovation Lab.

The ground-breaking collaborative Lab will focus on leveraging new technologies to accelerate efficiencies, revolutionise risk management and shape future regulatory developments, accelerating the UK’s ability to seize competitive advantage in the future of financial regulation and fintech innovation.

The new funding is part of a broader successful bid by Glasgow City Region included in the UK Government’s initiative to accelerate the growth of high-potential innovation clusters’ in Glasgow, Greater Manchester, and the West Midlands. All of the projects in the Innovation Accelerator Programme will commence in the Spring, following Innovate UK’s normal diligence.

The funding allocation to fintech in Glasgow demonstrates the national commitment to drive fintech innovation across the UK.

The Lab enables FinTech Scotland to deliver one of the strategic recommendations laid out in the FinTech Research & Innovation Roadmap, launched in March 2022 and aligns with the recently announced UK innovation initiative, the CFIT, formed in response to the HM Treasury FinTech Sector Review.

FinTech Scotland will work across industry leading the development of the Lab, with initial actions focused on

  • A sandbox to test and advance fintech innovations that meet industry demand.
  • A facility to develop new businesses with an accelerated path to commercial success.
  • Industry driven academic research, advancing new deployment of tech in finance.
  • A technology focused skills programme for risk and regulatory professionals.
  • Researched, data driven contributions helping advance financial regulation policy.

Nicola Anderson, CEO at FinTech Scotland commented:

“I am delighted to see the commitment and recognition from the UK Government in the high-growth potential of fintech innovation in Glasgow. The Innovation Accelerator funding will help push this forward.

The Financial Regulation Innovation Lab is a ground-breaking initiative. It brings together, industry partners, fintech entrepreneurs, universities, and regulators to revolutionise the future of financial regulation and risk management through technology and data. The outcomes will shape jobs for the future and propel our fintech ambition, here in Scotland and across the UK. “

Charlotte Crosswell OBE, Chair at the Centre for Finance, Innovation and Technology (CFIT) commented:

“The development of the Financial Regulation Innovation Lab is an exciting opportunity both for Glasgow and for the UK.

We have significant potential across the UK to drive fintech innovation and realise our full fintech potential. Drawing on our regional strengths and bringing experts across the finance and technology ecosystem is key. This is our mission at CFIT, and we’re delighted to support FinTech Scotland as it continues to demonstrate its impact, identifying opportunities for fintech growth and working in collaboration to drive the Innovation Acceleration across the UK.”

Consumer Duty and fintech innovation

Season 3, episode 4

Listen to the full episode here.

In July 2022, the FCA published its Consumer Duty. Regulated firms need to implement the new rules by the end of July 2023 for open products and July 2024 for closed books of business.

Firms will need to review their products, communications and customer journey.

It will impact most areas in those organisations such as governance, reporting, product design, pricing, distribution, servicing and staff training.

In this podcast we will review the key principles, ask ourselves what the impact on both established firms and fintechs is as well as exploring innovative technologies that can help adhere to those new rules.

Guests:

Venetia Jackson – Senior Associate at Pinsent Masons

Joseph Twigg – Founder and CEO at Aveni

Chris Ansara – Founder and CEO at docStribute

Important changes for fintechs as R&D tax relief regime changes

Blog written by Saifur Rahman, Senior Technical Consultant at Leyton.

The UK’s Research and Development (R&D) tax relief regime is undergoing significant changes starting April 1, 2023. These changes include the amount of relief that can be claimed, the types of activities that qualify, and how businesses can claim relief. The changes aim to keep the UK competitive in cutting-edge research, ensure that the reliefs are effective, and use taxpayer money efficiently.

R&D Expenditure Categories: The R&D expenditure categories will be extended to include the costs of datasets and cloud computing. This is particularly relevant for the growing fintech sector, as the use of big data and cloud computing is essential for the development of new financial technologies, processes and workflows. Whether you are running a trading platform ingesting financial data from the likes of Bloomberg or developing large scale data algorithms to understand market conformity ”“ the use of cloud computing and pure datasets will be vital in the R&D project and thus have the ability to account for eligible R&D tax expenses. However, it should be noted that such costs cannot be included in R&D claims on an all-embracing basis ”“ for example, where such costs relate directly to R&D activities, they can be included, but not where they relate to a “qualifying indirect activity” (e.g. where you are including a small proportion of non-technical personnel time attributable to qualifying R&D projects). Additionally, exemptions state that the costs of the data and usage cannot be utilised beyond the R&D project or sold on for commercial purposes.

Pure Mathematics: R&D in pure mathematics will also qualify for relief and can form part of the qualifying R&D activities of the claimants from accounting periods beginning on or after 1 April 2023. This is relevant for fintech companies that use mathematical models and algorithm development in their R&D activities. However, the term “pure mathematics” is not yet defined in legislation, further guidance will be provided on this.

Refocusing Relief to UK Activities: One of the most fundamental changes in the Autumn 2021 Budget was to refocus the R&D reliefs provided to activities performed in the UK: for accounting periods beginning on or after 1 April 2023, subcontracted R&D work and the cost of externally provided workers (EPWs) will be limited to work undertaken in the UK. This may present challenges for fintech companies that outsource certain R&D activities to other countries. However, there will be specific exemptions where work outside the UK is permitted for geographical, environmental, social, or regulatory/legal requirements. Examples of such exemptions include deep ocean research and clinical trials, and, by inference, could include medical-tech trials in specific patient groups, international telecoms testing, or technology designed for extreme environments. HMRC will be providing further guidance on the exemptions before April 2023.

Overseas Branch: There is still some uncertainty for companies with overseas branches: currently there is nothing in the draft legislation relating to work carried out by staff of an overseas branch of a UK company ”“ so it is not clear if such costs will qualify for R&D relief in future.

Conclusion: In summary, the changes to the UK’s R&D tax relief regime will have a significant impact on the fintech sector, particularly in terms of the costs that qualify for relief and the focus on UK-based activities. Fintech companies should review their R&D activities and expenses to ensure compliance with the new regulations. We recommend that fintech companies monitor the situation and seek professional advice to ensure they are able to claim the reliefs to which they are entitled.

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