On this page:
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
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.
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
24 February 2026
Bridging Financial Services Skills Gaps
Edinburgh
09:30 – 11:00
Join Heriot‑Watt University and Scottish Financial Enterprise (SFE) to explore employer‑led solutions to Scotland’s financial services skills needs. Discover how Graduate Apprenticeships, microcredentials and flexible online courses can fill critical gaps and benefit your business.
You’ll hear a sector overview from Scottish Financial Enterprise (SFE) on current and emerging skills needs; a session on Graduate Apprenticeships with David Steinberg (Programme Director) covering the Business Management (Financial Services) programme: how it works, funding, eligibility and timelines; an outline of sector-relevant upskilling options available via Heriot-Watt Online’s Professional Academy; and an employer case study on how Graduate Apprenticeships have positively impacted Aberdeen’s talent pipeline and productivity.
22 January 2026
Capital Investment in UK FinTech in 2025: Insights and Trends
Other
Innovate Finance is hosting a panel discussion, “Capital Investment in UK FinTech in 2025: Insights and Trends”, on 22 January. Drawing on findings from its latest Global FinTech Investment Landscape report, the session will bring together leading FinTechs and investors to examine 2025 capital raises, emerging opportunities, key challenges, and the investment trends shaping 2026.
Expect expert insights, an interactive Q&A, and networking with peers across the FinTech ecosystem.
Spaces are limited. Register your interest via the organiser.
04 December 2025
Data Sovereignty Paradox webinar
Online
11:00 AM
FinTech North are hosting an unmissable webinar on one of financial services’ biggest emerging challenges: Data Sovereignty.
Hosted in partnership with UK-based edge infrastructure specialists Pulsant, the Data Sovereignty Paradox webinar will unpack how financial institutions can stay compliant, keep control of their data and still deliver high performance in a fast-evolving cloud landscape.
Topics likely to be covered include:
– Understanding where your data location and movement
– Understanding the role of data sovereignty in financial services and cloud adoption
– Navigating compliance, regulatory, and data residency requirements
– Balancing operational performance with security and control
– Leveraging hybrid and sovereign cloud models for innovation
– The future of data infrastructure and regional data strategies in finance
Financial regulation fintechs
Latest Financial regulation News
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 …
Announcement
26 January 2026
Financial Regulation Innovation Lab awards £50,000 each to four fintechs to accelerate consumer wealth support
The Financial Regulation Innovation Lab (FRIL) today announced the four fintechs selected to receive grants through its latest Future of …
Announcement
14 January 2026
FinTech Scotland marks its eighth anniversary reinforcing its position as one of Europe’s leading fintech clusters
Marking its eighth anniversary, FinTech Scotland reports that the nation’s fintech cluster has more than doubled in size in the …