Published Research & Analysis
Articles and research on financial technology regulation, digital assets, and emerging technology law
Featured Articles
MiCA and the Institutional Stablecoin Moment
Analysis of how MiCA Regulation is bringing regulatory certainty to stablecoins and what this means for institutional adoption in the digital asset space.
The Digital ID Card: A Collision with Data Privacy and AI
Constitutional implications and privacy concerns in the UK digital identity framework. Analysis of the intersection between digital identity verification, data protection law, and AI-driven decision systems.
All Articles
MiCA and the Institutional Stablecoin Moment
Analysis of how MiCA Regulation is bringing regulatory certainty to stablecoins and what this means for institutional adoption in the digital asset space.
The Digital ID Card: A Collision with Data Privacy and AI
Constitutional implications and privacy concerns in the UK digital identity framework. Analysis of the intersection between digital identity verification, data protection law, and AI-driven decision systems.
Why the UK's Online Safety Blunder Wouldn't Survive in the US
Exploring the tensions between safety requirements and freedom of expression in emerging technology regulation frameworks. Comparing the UK's Online Safety Act with the US Kids Online Safety Act.
When Banks Start Reading Your Emotions: The AI Regulatory Gap
Comprehensive analysis of AI systems under UK GDPR, examining data protection requirements and compliance frameworks for emotional AI in financial services.
The Rise of Stablecoins: A Comprehensive Analysis
Analysis of stablecoin mechanisms, their impact on global finance, and the evolving regulatory landscape governing digital currencies.
The Evolving Landscape of Fintech Regulation: DORA, MiCA, and Beyond
Analysis of the Digital Operational Resilience Act (DORA) and Markets in Crypto-Assets (MiCA) regulation and their combined impact on fintech.
AI & Data Protection: Compliance Catches Fire under FCA CP25/2
Detailed examination of FCA Consultation Paper 25/2 on AI and data protection, with practical compliance guidance for financial services firms.
The CARF Paradox: When Tax Transparency Creates Operational Complexity
Analysis of the OECD Crypto-Asset Reporting Framework (CARF) implementation and its impact on crypto platforms' operational complexity and market consolidation.
The Unseen Driver: How Regulation is Steering Crypto Markets
Analysis of how regulatory forces shape crypto market volatility beyond institutional flows, examining ETF rules, stablecoin regulation, AML enforcement, and tax reporting.
MiCA Authorisation: A Legal Analysis for Founders
Comprehensive legal analysis of MiCA authorisation requirements for crypto-asset service providers, covering substance doctrine, fit and proper tests, and prudential safeguards.
Starmer's Digital ID Retreat: A Lesson in Legal Reality
Analysis of the UK government's U-turn on compulsory digital identity scheme and the legal framework that forced the retreat.
The Stablecoin Rewards Stalemate: A Last-Ditch Effort to Protect Central Bank Hegemony?
Examination of the battle over stablecoin rewards, CLARITY Act Section 404, and the tension between financial innovation and central bank hegemony.
Technical Debt: The Ticking Time Bomb in Your DORA Compliance Strategy
Analysis of how DORA transforms technical debt from an IT concern into a board-level regulatory issue, with focus on legacy system risks.
The Regulator's Dilemma: When Protecting Customers Means Shutting Them Down
Examination of the regulatory paradox facing the FCA when enforcing safeguarding requirements on payment service providers.
The Digital Euro: 2026 is the Year of Decision
Analysis of the digital euro project's move from theory to implementation, covering legislative battles, privacy concerns, and the role of commercial banks.
Cybersecurity: The 2% Turnover Question Your Board Can't Ignore
Examination of DORA's cybersecurity requirements and the 2% turnover penalty, transforming cybersecurity into a board-level accountability issue.
Open Banking: The £1 Billion Compliance Cost That Became a £10 Billion Opportunity
Analysis of how PSD2's initial compliance burden transformed into strategic infrastructure, and the evolution towards Open Finance through PSD3 and FIDA.
Third-Party Risk: DORA Makes Accountability Absolute
Analysis of DORA Article 28 and the principle that you can outsource the function but never the accountability, with focus on vendor management.
Swift and DLT: The Plumbing of Finance is Being Rebuilt
Analysis of Swift's integration of distributed ledger technology into core infrastructure, bridging traditional finance and tokenized assets.
Emotional AI in Banking: The New Regulatory Fault Line
Examination of the compliance gap between GDPR and the AI Act regarding emotional AI systems in banking, covering consent, automation, and discrimination risks.
Stablecoin Banking: The Regulatory Puzzle Intensifies in 2026
Analysis of the regulatory challenges facing stablecoin neobanks, covering categorization, deposit insurance gaps, and operational complexity.
DORA: One Year On - Are You Compliant or Just Checking Boxes?
Comprehensive review of DORA one year after implementation, examining the five critical pillars and the shift from checkbox compliance to demonstrable resilience.
MiCA Authorisation: A Legal Analysis for Founders
DORA: One Year On - Are You Compliant or Just Checking Boxes?
AI & Data Protection: Compliance Catches Fire under FCA CP25/2
The Stablecoin Rewards Stalemate: A Last-Ditch Effort to Protect Central Bank Hegemony?
The Digital Euro: 2026 is the Year of Decision
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