Digital Banking

Many of the world’s major commercial and retail banking institutions, digital banks, financial intermediaries, online lending platforms, financial technology (fintech) companies, and digital banking investors providing digital banking services rely on Morgan Lewis for trusted advice on the complete array of transactional, dispute, regulatory, enforcement, and technology and banking industry matters—ranging from day-to-day operations to long-term strategic goals.

Banking represents one of the most regulated industry sectors, presenting challenges to financial and technology companies looking to grow, launch or collaborate, as ever more digital products, players and services populate the banking landscape.

Morgan Lewis’s global digital banking team advises service providers in the following areas:

  • Account aggregation
  • Anti-money laundering
  • Bank-fintech partnerships
  • Blockchain
  • Consortiums
  • Cross-border issues
  • Customer identification program (CIP)
  • Data privacy, storage & transfer
  • Digital assets
  • Digital advice & brokerage
  • Digital financial product facilitation
  • Digital lending
  • Electronic payments
  • Fractional share trading
  • Loan securitization and financing
  • Open banking
  • Outsourcing
  • Mobile banking
  • Mobile wallets
  • Robo advice
  • Social media

Our team, which includes lawyers with experience in the financial services and technology sectors, advises clients across the digital banking landscape, including the following types of companies:

  • Banks
  • Broker-dealers
  • Clearinghouses
  • Digital banks
  • Financial intermediaries
  • Fintech companies
  • Money transmitters and transaction platforms
  • Online lending platforms