Practice Area
Digital Economy, FinTech & Data
Legal advisory for businesses operating at the intersection of technology, finance and data, supporting the development of digital business models, emerging financing solutions, electronic platforms and transactions across evolving regulatory environments.
Overview
We advise businesses, financial institutions and technology ventures on the legal, contractual and regulatory aspects of the digital economy. Our work includes structuring emerging financing models, developing contractual frameworks for FinTech solutions and digital platforms, and advising on electronic transactions, digital contracting and data-driven business models.
This experience extends to credit information and credit bureau services, including legal structures, partnerships, data use and the development of information-based products and services. We also support clients on Sharia and regulatory compliance in FinTech and emerging financing models, as well as legal matters involving digital assets, cryptocurrency disputes and cyber fraud.
By combining legal structuring with an understanding of how digital businesses operate, we help clients translate innovative commercial models into workable legal frameworks, allocate risk between participants and navigate the legal implications of new technologies and evolving market practices.
Key Areas of Work
Contractual Frameworks for FinTech Financing
Legal Structuring of Emerging Financing Models
Contractual Frameworks for Digital Platforms
Credit Information & Credit Bureau Advisory
Legal Advisory for Digital Business Models
Electronic Transactions & Digital Contracting
Digital Assets & Cryptocurrency Disputes
Sharia & Regulatory Compliance
Cyber Fraud Legal Advisory
Selected Experience
Experience across FinTech, digital platforms and data
A selection of matters and projects reflecting the experience of the Lawarche legal team, including work undertaken by our consultants in senior roles prior to joining the firm.
FinTech Financing Platforms
Advised on the legal structuring and contractual frameworks for emerging FinTech financing platforms, including Lendo KSA, covering the legal relationships between the platforms, financing participants and other stakeholders involved in the financing models.
Credit Information Partnerships — GCC
Advised on the establishment and development of credit information businesses across GCC jurisdictions, including strategic partnerships with international credit information and ratings providers such as Standard & Poor’s, Experian and Veda.
Credit Data, Scoring & Rating Solutions
Provided legal support for the development of credit data, scoring and rating solutions, including the Saudi National Data Pooling initiative and the FICO Scores Distribution Agreement. Our work addressed the legal frameworks governing the pooling and use of credit information, as well as the commercialisation of credit scoring solutions.
National E-Procurement Platform — GCC
Advised the Ministry of Finance of a GCC country on the contractual framework governing its relationship with the approved provider of the national electronic government procurement platform. Following the assessment and approval of our recommendations, we drafted the agreement between the Ministry and the provider governing the provision and operation of the platform.
Digital Platform Business & Contractual Framework — Saudi Arabia
Advised Sabbar, a Saudi technology platform providing recruitment and outsourcing solutions, on the legal assessment of its operating model and applicable compliance requirements, and structured the contractual framework governing its fully digital service environment and the legal relationships between the platform and its different participants.
Digital Assets & Cyber Fraud Advisory
Conducted a legal review of the performance of a cryptocurrency portfolio management agreement between a GCC investor and a UK-based portfolio manager, assessing potential legal and contractual breaches. We have also provided legal advisory support to victims of cyber fraud in a number of matters.
Related Expertise
Discuss Your Digital Economy or FinTech Matter
Speak with our team about FinTech financing, digital platforms, credit information, electronic transactions or other complex legal matters arising within the digital economy.