FinTech Scotland

PAY360 2026 is just over a week away. The UK’s largest payments event will bring together 6,000+ attendees, 200+ speakers, and 150+ exhibitors across two days in London. Explore the biggest shifts reshaping payments: Future of Money, Open Payments, AI, Instant Transfers, Fraud, and Resilience. Hear from leaders at Mastercard, Visa, Lloyds Banking Group, Santander UK, NVIDIA, NatWest Group, Endava and more. Registration is still open: pay360event.com #PAY360 #Payments #PayTech #FinTech #FinancialServices #FutureOfPayments

New blog from Cherpa.ai Founder & CEO Dia Banerji: “Every Life Moment Is a Money Moment” Why financial services must be designed around life events, with clear next steps and trust at the core – and how Cherpa helps people join the dots when it matters most. Read the blog: fintechscotland.com/every-life-mom… #FinTech #PersonalFinance #FinancialInclusion #FinancialWellbeing #Trust

On this gorgeous, sunny morning in Edinburgh, delegates are already arriving as we host the Finance & Health Lab National Conference at Edinburgh Futures Institute, University of Edinburgh. We’re bringing together leaders from financial services, health, academia, government and the wider innovation ecosystem to explore how Scotland can lead the next wave of progress at the intersection of health and financial wellbeing. On the agenda: - The future of financial health in an ageing society - Latest research on health–wealth dynamics in later life - An industry panel on designing future‑ready financial services - Startup demo carousels and founder Q&As - Insights on data and collaboration from across the ecosystem - A closing conversation on what we’ve built and what comes next Follow along for highlights and post‑conference content. Thank you to our partners: Sword Group, Sopra Steria, Aegon (Mylo), and the University of Edinburgh. #FinancialWellbeing #FinTech #HealthTech #AgeingSociety #Innovation #Scotland #Edinburgh #EFI #InclusiveDesign #DataTrust

We’re delighted to announce that Atos, a global leader in AI-powered digital transformation, has joined Scotland’s fintech cluster as a technology strategic partner. With global scale and a strong UK presence, Atos will help create the conditions for faster innovation, secure scaling, and greater economic impact across Scotland’s fintech community. This takes our network to 37 strategic partners, building a world-class environment for fintech innovation and regional growth. Scotland’s fintech cluster has more than doubled in five years, from just over 120 firms in 2020 to more than 260 today, reinforcing its position as one of Europe’s most dynamic and collaborative fintech clusters. Read the full press release: fintechscotland.com/atos-uki-joins… Swipe through for quotes from Aleks Tomczyk, Chief Executive at FinTech Scotland, and Simon Chandler, Head of Financial Services & Insurance (UK & Ireland) at Atos. #FinTech #Scotland #DigitalTransformation #AI #Innovation #Ecosystem #Collaboration

Last week, the Financial Conduct Authority (FCA) and the Financial Regulation Innovation Lab (run by FinTech Scotland in partnership with the University of Glasgow and the University of Strathclyde) held a collaborative roundtable in Glasgow with David Geale, Executive Director for Payments and Digital Finance at the FCA, hosted by Barclays UK. The discussion explored the future of UK payments and data-enabled finance, focusing on the shift from open banking to open finance, priorities for innovation and resilience, the practical realities of scaling, and how regulation can enable growth while protecting consumers. Thank you to the FCA, Barclays and all participants for a valuable discussion. #FCA #FinTech #Payments #OpenBanking #OpenFinance #RegTech #Data

What’s next in banking? The Banking Transformation Summit returns to London on 19–20 May at Tobacco Dock. Join 1,000 decision-makers and 150 speakers to go from strategy to execution across AI, payments, infrastructure, trust, Consumer Duty and leadership. Read our latest blog: fintechscotland.com/banking-transf… #BankingTransformation #Fintech #Banking #FinancialServices #AI #Payments #ConsumerDuty #Leadership

Last week, Turnkey IPS, part of our community of 260+ fintechs, announced a new product, Turnkey PI, alongside a refreshed brand identity. Turnkey PI is aimed at personal insolvency teams and includes: - Secure Client Portal for submissions, payments and approvals - Real-time case dashboards for clients - Integrated Comms Hub with a complete audit trail - Tools that reduce admin, strengthen compliance and improve transparency This launch reflects who they’ve become: a trusted, global technology partner for modern insolvency practices. Read our latest blog by Simona Di Costanzo from Turnkey IPS: fintechscotland.com/launching-turn… #Insolvency #InsolvencyTech #Compliance #DigitalTransformation #CloudSoftware

The payments industry is evolving fast, and PAY360 and Merchant Transact 360 are where the ecosystem comes together to keep pace. Join 200+ merchants on 25-26 March 2026 to connect with decision-makers. The agenda focuses on the topics defining the next phase of payments: The Future of Money, Open Payments, Financial Crime, Predictive Intelligence, Operational Resilience and Instant Payments. These will be delivered through expert-led panels, debate-driven sessions and in-depth discussions. Read our latest blog by Holly Smith (The Payments Association): fintechscotland.com/merchant-trans… #MerchantPayments #Fintech #Payments #Fraud #Compliance #CustomerExperience #CrossBorder #Innovation

Building a startup is exciting, and often messy. The pitch decks are the easy part. The real challenge is everything that comes after: - How do you find product market fit? - How do you earn trust in financial services? - How do you actually scale? That’s why we’re launching ‘Lessons of Fintech Founders’, a new learning series, led by James Varga, for founders, builders and innovators across finance and health. Packed with practical videos, real startup insight, and lessons from the ecosystem. First episodes are live now. Explore the series here: fintechscotland.com/research-innov… #FinTechScotland #Startups #Innovation #Founders

What does the future of the intersection of finance and health feel like? We think it looks like a room full of builders, founders, researchers, investors, and public sector leaders all pushing the same question forward: How do we create financial and health systems that works better for people in later life? Join us on 19 March at the Edinburgh Futures Institute for a full day of insight, connection, and ecosystem momentum. Save your seat today: fintechscotland.com/research-innov… Let’s shape what comes next together. #FinancialHealth #HealthyAgeing #AgeingSociety #LaterLifeFinance #FinTech #HealthTech #FinTechScotland #EdinburghFuturesInstitute #Scotland

The real bottleneck in advice firms is capacity. Admin drag, duplicate data and tools built for records (not delivery) quietly consume hours every week. In our new post, Tom Matthieson Founder and Director at Glimzershare small fixes that unlock capacity without adding complexity. Read the blog: fintechscotland.com/the-real-const… #FinancialAdvice #AdviceTech #FinTech #Operations #Productivity #ClientOutcomes #FinTechScotland #Glimzer

Something big is happening in Edinburgh this March. Not just another conference. Not just another room full of panels. On 19 March at the Edinburgh Futures Institute, the Finance and Health Lab National Conference brings together the people shaping what’s next in fintech, financial health, and innovation across Scotland and beyond. A day of ideas, energy, and the conversations that actually move things forward. Register your interest now: fintechscotland.com/research-innov… #FHLNationalConference #FinTech #FinancialHealth #HealthInnovation #Edinburgh

Scotland’s Data & AI ambitions are accelerating, opening major opportunities for growth, better public services and wider societal benefit. But real-world constraints remain: infrastructure, skills, governance, public confidence and trust. On 26 March 2026 (09:00–15:45) at the Edinburgh Futures Institute, the University of Edinburgh’s Data & AI Exchange will convene leaders from academia, industry and the public sector to explore: - What’s working now in Data & AI, with real examples - Where barriers persist, from regulation and skills to infrastructure and adoption - What needs to change to realise Scotland’s ambitions while delivering public value Register now: eventbrite.co.uk/e/data-ai-exch… Limited tickets available. #Data #AI #Scotland #DataDrivenInnovation #Edinburgh #PublicSector

Scotland’s fintech cluster has doubled in five years – from just over 120 firms in 2020 to 260+ today – placing Scotland among Europe’s most dynamic and collaborative ecosystems. In 2026, we’re at a pivotal moment for the cluster: it’s vibrant, the ambition is real and the opportunities ahead are immense. Our purpose is clear: we’re scaling our innovation programmes – the Financial Regulation Innovation Lab, the Centre of Excellence in Digital Trust and the Finance & Health Lab – to deliver measurable impact, strengthen support for fintech entrepreneurs and deepen collaboration across the cluster. To reflect this progress, we’re pleased to share team updates. Kirsty McKenna has been promoted to Director of Operations and Delivery, with responsibility for operational excellence and programme execution. Jessica Restrepo has been promoted to Marketing Manager, leading campaigns that showcase Scotland’s fintech leadership. We’ve also welcomed back Giovanna Cucchi, who is supporting business and event delivery. In addition, we’re recruiting for two new roles, with interviews under way. These changes reflect individual achievements and our wider strategic aims. We’re committed to creating opportunities for our people to grow with the organisation throughout 2026 and beyond. Get to know our team: fintechscotland.com/about/our-peop… #FinTechScotland #ScotlandFintech #Fintech #Innovation #Ecosystem

Registration is open for PAY360 2026, a UK payments event hosted by The Payments Association that brings together banks, fintechs, regulators, merchants, acquirers, networks and global technology providers. The agenda covers the topics shaping the next phase of payments - The Future of Money, Open Payments, Financial Crime, Predictive Intelligence, Operational Resilience and Instant Payments - delivered via expert‑led panels, debate‑driven sessions and in‑depth discussions. PAY360 also includes Fintechs’ Pitch Live, with presentations from emerging innovators, plus networking supported by an AI‑powered matchmaking app. What to expect: - 6,000+ attendees - 200+ conference speakers - 50+ showfloor speakers - 150+ exhibitors Speakers confirmed from Santander, Lloyds Banking Group, Mastercard, NVIDIA and Standard Chartered. Get your tickets: eu1.hubs.ly/H0rncSk0 Excel, London | 25-26 March 2026 Discount code: FintechScotland20 (20% off delegate pass) #PAY360 #Payments #Fintech #FinancialServices #UKFintech

Last chance: Applications for the Finance & Health Lab Innovation Open Call close tomorrow. If you’re tackling later-life financial health, don’t miss out and apply today: fintechscotland.com/research-innov… We’re backing bold solutions in: - predictive vulnerability insights - age-friendly fintech - data-driven financial planning - navigating health, care and financial systems Innovators selected through the open call will have the opportunity to engage with participating industry partners: - Sopra Steria - Sword Group - Aegon UK – Mylo Delivered by FinTech Scotland through the Finance and Health Lab. #OpenCall #FinTechInnovation #HealthAndWealth #Startups

We’re delighted to announce the Finance and Health Lab National Conference, taking place on 19 March 2026 — an invite‑only national event bringing together leaders from financial services, health, academia, government and the innovation ecosystem to explore how Scotland can lead the next wave of progress at the intersection of health and financial wellbeing. Hosted at the University of Edinburgh’s Edinburgh Futures Institute, the conference will showcase practical insights, emerging innovation and opportunities for collaboration focused on challenges that matter in later life and beyond — including inclusive service design, strengthening financial resilience and building trusted approaches to data. Read the full press release and hear from our Chief Executive, Aleks Tomczyk, and Dr Andrea Taylor, Chief Executive Officer at Edinburgh Innovations: fintechscotland.com/finance-and-he… #FinancialWellbeing #HealthAndFinance #Innovation #CrossSectorCollaboration #Scotland #Edinburgh #Conference

Applications for the Finance & Health Lab Innovation Open Call close this Thursday, 12 February. We’re backing bold ideas that address later-life financial health challenges. So, if you’re working on: - predictive vulnerability insights - age-friendly fintech - data-driven financial planning - navigating health, care and financial systems Now is the time to apply: fintechscotland.com/research-innov… Innovators selected through the open call will have the opportunity to engage with participating industry partners: @Sopra Steria @Sword Group @Aegon – Mylo Delivered by FinTech Scotland through the Finance and Health Lab. #OpenCall #FinTechInnovation #HealthAndWealth #Startups

Hao Zhang, James Bowden and Mark Cummins from the Financial Regulation Innovation Lab (FRIL) have released a new white paper on using multimodal AI (voice + vision) to deliver targeted pension support within the FCA advice–guidance boundary. It includes a Digital Pensions Advisor prototype that: - Interprets real consumer narratives - Recognises and responds appropriately to vulnerability - Maintains boundary discipline when asked for personalised advice Read more here: fintechscotland.com/multimodal-ai-… Watch the demo here: youtube.com/watch?v=17d9Se… #Pensions #FinTech #RegTech #FCA #AdviceGuidanceBoundary #ConsumerDuty #AI #GenerativeAI #FinancialInclusion

The Finance and Health Lab Innovation Open Call is now live and accepting applications until 12 February. We’re inviting fintechs, start-ups and innovators to tackle real challenges at the intersection of financial wellbeing, health and later life, working alongside industry, academia and public sector partners. Innovators selected through the open call will have the opportunity to engage with participating industry partners: - Sopra Steria - Sword Group - Aegon – Mylo Our Chief Executive, Aleks Tomczyk, said: “The Finance and Health Lab open call is about practical progress - bringing innovators and partners together to explore solutions that can strengthen financial resilience and support better outcomes as people age. We’re looking for bold ideas grounded in real needs, with the potential to be tested and learned from quickly.” Read the full press release here: fintechscotland.com/finance-and-he… Apply now: fintechscotland.com/.../fhl-innova… #FinTechScotland #Innovation #FinTech #HealthyAgeing #FinancialWellbeing