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Innovation
Innovation Calls
Innovation Calls
As part of its programme, FRIL has launched a series of industry-led calls. These bring together financial institutions and innovators from across the fintech community and beyond to develop new solutions to key financial regulatory challenges.
- 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.
Latest Financial regulation Case studies
Fintech firms
07 November 2025
Financial Regulation Innovation Lab (FRIL) Responsible Innovation Case Study: Inicio AI
FRIL: Supercharging Growth, Serving Society At first glance, financial technology might seem like it’s all about algorithms, compliance, and data. …
Regulation
07 November 2025
Financial Regulation Innovation Lab (FRIL) Responsible Innovation Case Study: CienDos
Shaping the future of ESG (Environmental, Social and Governance Measurement and Reporting) in Financial Services In today’s world, doing good …
Regulation
06 November 2025
Financial Regulation Innovation Lab (FRIL) Responsible Innovation Case Study: Encompass
FRIL: Accelerating the Fight Against Financial Crime Financial crime might sound distant, something that happens behind the scenes in big …
Research
Actionable Research
Actionable Research
FRIL integrates academic research with an industry relevant agenda, focused on enabling knowledge on cutting-edge topics such as generative and explainable AI, advanced analytics, advanced computing, and earth-intelligent data as applied to financial regulation. The approach fosters cross sector learning to produce a series of papers, actionable recommendations and strategic plans that can be tested in the innovation environment, in collaboration across industry and regulators.
Actionable research is realised through:
- Clearly framing complex problems
- Identifying new perspectives and discovering new insights
- Creating a framework for solutions and highlighting potential industry applications
- Utilising testing environments that enable further collaboration and understanding
Latest Financial regulation White papers
Regulation
20 November 2025
Consumers at the Heart of Innovation: Financial Health Evaluation in the UK Regulatory Landscape
This whitepaper examines the evolving landscape of financial services in the UK, with a focus on consumer-centric innovation and the …
Regulation
18 November 2025
From Crisis to Prosperity: AI and Open Finance for Holistic Financial Health and Smart Future Planning
The financial services industry stands at a critical inflection point. Traditional credit-scorecentric frameworks, rooted in historical repayment data and broad …
Regulation
26 September 2025
Supply Chain Intelligence: Actionable Risk Assessment of Brazilian Commodity Supply Chains Using Geospatial Data
Geospatial data is transforming sustainability risk assessment in Financial Services. Driven by mandatory regulations such as the EU’s CSRD and …
Skills
Skills Development
Skills Development
The lab designs and implement an industry relevant skills and education programme tailored to needs of professionals in regulatory risk and compliance. It focusses on emerging technologies and how these technologies are applied in financial services.
The programme provides:
- Inspiring and challenging courses aimed at bridging the skill gaps
- Access to high-quality resources and guest lectures from across the industry.
Knowledge
Knowledge exchange
Knowledge exchange
FRIL facilitates collaboration and knowledge exchange around the topic of innovation in financial regulation through a series of industry engagement actions, including:
- Insightful communications on innovation impacting regulation
- Workshops and discussion forums bringing together diverse participants embracing regulation innovation
- Roundtables to develop specific financial regulation innovation themes
- Innovation demonstration events, exploring potential partnerships for specific innovations
- International engagement activities to learn from global innovation developments
Upcoming Financial regulation events
03 December 2025
Digital by Default: Preparing Client Communications for the FCA’s New Durable Medium Rules
Online
11:30 AM – 12:15 PM
From 12 January 2026, the FCA’s PS25/13 makes digital the default durable medium for client disclosures – a major shift in how firms communicate with clients.
Join Legado’s free 45-minute webinar to understand what’s changing, what to prepare, and how to meet the new standards for secure, auditable, and durable digital delivery.
The session will share practical guidance and a live demonstration of Legado’s CommsHub and Digital Vault, showing how firms can deliver, store, and evidence communications confidently and at scale.
29 October 2025
A Blueprint to Double Credit Union Lending by 2030 – Scottish Webinar
Online
10 – 11:15am
In 2023, 9 million people were declined for credit and a further 5 million were too worried to apply. Drawing on insights from £1.5bn in annual lending decisions across 50+ credit unions, NestEgg’s new white paper sets out a practical roadmap to scale sector lending to £4bn by 2030, while staying true to the co-operative mission of building financial resilience.
Why Scotland matters
Despite most applications coming from more deprived neighbourhoods, Scottish credit unions achieve higher average credit scores and lower bad debt than the UK average, a “credit union difference” that points to significant growth potential.
What you’ll hear
– Key findings from the white paper and implications for growth
– Why Scottish credit unions outperform on credit quality and arrears
– Practical steps to scale ethical lending while managing risk
– Partnership and policy levers on the path to 2030
Who should attend
– Credit union leaders, lending and risk teams
– Community finance partners and fintech collaborators
– Policymakers, regulators and sector bodies
03 September 2025
Horizon Scanning for Financial Leaders
Glasgow
9:30 am – 4:30 pm
Future Finance, led by the University of Bristol and co-funded by Innovate UK and the ESRC, is hosting a hands-on strategic foresight workshop for senior financial services leaders. This expert-led event will showcase horizon scanning techniques to transform uncertainty into a strategic advantage.
Workshop highlights
• AI 2027 case study: Explore a real-world example of effective horizon scanning and the potential impact of AI on financial services.
• Capability benchmarking: Identify critical performance gaps and spot disruptive technologies.
• Scenario planning: Use proven methods to explore future uncertainties and avoid common forecasting biases.
• Scenario-adjusted strategic roadmaps: Turn insights into action with tools to balance innovation with risk.
Who should attend?
This workshop is open to UK-based financial service providers and FinTech organisations seeking to increase efficiency and growth.
Expert-led workshop
This workshop will be led by industry and academic experts:
• Dr. Felix Honecker, Glasgow University Business School (FinTech & Deep Tech Research)
• Adrian Shedden, Financial Innovation Specialist
Financial regulation fintechs
Latest Financial regulation News
Regulation
30 October 2025
Five Fintechs Awarded £50,000 Grants to Strengthen Operational Resilience Across the UK Financial Sector
The Financial Regulation Innovation Lab (FRIL) is pleased to announce the five organisations selected to receive grants following its latest …
Regulation
09 October 2025
Nationwide Innovation Call Launches to Bridge the UK’s Financial Advice Gap
A coalition of leading financial institutions including PWC, NatWest, Barclays, Standard Life, M&G, Lloyds Banking Group, Dudley Building Society and …
Announcement
26 September 2025
Celebrating Scotland’s FinTech Champions
On Wednesday evening, the Scottish FinTech Awards returned to Edinburgh, bringing together the Scottish fintech cluster for a night of …