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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
Regulation
17 December 2025
Financial Regulation Innovation Lab (FRIL) Responsible Innovation Case Study: Ask Silver
FRIL: Stopping Scams Before The Payment Goes Through At FRIL, practical innovation protects people. The Optimising Consumer Outcomes Innovation Call …
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 …
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
23 March 2026
Building Pre-Commercial Challenge Spaces: Innovation Calls, Regulatory Adaptation and Productivity Pathways in Financial Services
This paper examines how challenge-led innovation calls can help shape and guide the emergence of a business and policy ecosystem …
Regulation
19 March 2026
AI Governance after MiFID II: Beyond (Mere) Technological Neutrality?
This article examines the evolving intersections between artificial intelligence (AI) and EU financial regulation, focusing on the Markets in Financial …
Regulation
05 February 2026
Multimodal AI for Scaling Targeted Support: Navigating the FCA Advice–Guidance Boundary
Summary The Financial Conduct Authority’s Advice Guidance Boundary Review (AGBR) seeks to address a persistent advice gap in UK financial …
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.
FRIL Skills Academy
A new platform to address skills gaps and support career development across financial and professional services and the fintech ecosystem.
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
31 March 2026
The Road to Transformation – Getting on the right side of the AI innovation cycle
Online
12pm
Hosted by Aveni, this practical webinar shows how financial services firms are moving beyond AI pilots to enterprise impact. With boards demanding clear strategies and compliance seeking assurance, the speakers will share how to scale AI safely, credibly and with measurable ROI.
Speakers: Joseph Twigg (CEO, Aveni), Yawwani Gunawardana (Group Head of AI, Quilter) and Myrsini Alexandratou (Head of Strategy & Innovation, Royal London).
You will learn:
– The state of AI adoption now and the next 12–18 months
– Governance first: balancing innovation, regulation, risk and trust
– Embedding AI into business transformation (not bolt‑ons)
– What’s next: vertical models, agentic systems and impact on outcomes
Who should attend: Financial services leaders in AI, digital transformation and innovation, especially those driving enterprise‑wide adoption.
29 April 2026
From Insight to Foresight: Rethinking Financial Risk and AI
1:00 – 3:00 PM
The CBISS Business Leadership Forum presents a timely and highly requested discussion on one of the most pressing challenges facing the financial sector today — financial risk, crypto intelligence, and the integration of Artificial Intelligence.In an era of rapid digital transformation, sustainable growth depends on resilience, foresight, and intelligent risk management. As financial crime evolves and crypto ecosystems expand, organisations must move beyond reactive compliance toward predictive, data-driven strategies.This expert panel brings together leaders at the forefront of AI innovation, AML research, and financial technology to explore how AI, crypto intelligence, and predictive analytics are converging to strengthen risk frameworks and support financially sustainable decision-making.
24 March 2026
Business Series – FinTech & Generative AI: Opportunity or Risk?
Edinburgh
18:00 – 20:30
The University of Edinburgh Business School is hosting a Business Series event that brings academics and practitioners together to explore how FinTech and Generative AI are reshaping the modern business world.
Financial regulation fintechs
Latest Financial regulation News
Announcement
11 February 2026
Finance and Health Lab National Conference to convene cross-sector leaders at The Edinburgh Futures Institute
FinTech Scotland today announced the Finance and Health Lab National Conference, on 19 March 2026, an invite-only national event bringing …
Regulation
04 February 2026
Finance and Health Lab launches Innovation Open Call for later life financial wellbeing solutions
FinTech Scotland today announced the launch of the Finance and Health Lab Innovation Open Call, inviting fintechs, startups, and innovators …
Skills & Talents
30 January 2026
Financial Regulation Innovation Lab (FRIL) launches Skills Academy to Develop Future FinTech and Financial Regulation Talent
Financial services is undergoing one of the most significant periods of change in decades. Technology is advancing at pace, new …