Christina Fleming

I'm a senior associate in the Commercial Group, based in London. I advise on technology transactions and product terms in the FinTech, Payments and Financial Services Sector.

I regularly advise on new products and business models in the Financial Services Sector, with expertise in areas such as open banking, payments technology, blockchain technology, crypto assets, NFTs, AI, digital wallets, and open-source software.

I specialise in advising firms that are digitally transforming the way financial services are being delivered, as well as working with customers across various sectors who are procuring these new technologies and solutions.
My practice includes advising on technology contracts such as SaaS agreements, software development and licensing arrangements, outsourcing, and systems integration contracts. I also have expertise advising on acquiring and gateway services agreements, PIS agreements, electronic money products, money remittance, API integration agreements, white-label agreements, wealth management agreements and e-commerce platforms.

My practice also includes advising on associated issues such as compliance with regulatory guidance on outsourcing, intellectual property licensing and commercialisation of digital content, data protection compliance and consumer law compliance.

I'm recommended as a Key Lawyer for Fintech in the Legal 500 2024 guide (listed since 2021).

• Advising a range of FinTechs (PSPs, EMIs, PISPs) on the drafting and negotiation of various agreements from product terms, BaaS and partner integration arrangements, white-label agreements, and other agreements for the provision of regulated payment services.
• Advising a Web3 Layer 1 blockchain protocol operator on a highly complex and strategic project relating to the roll out of a payment card linked to an underlying crypto wallet facilitating card transactions with merchants in fiat currency, including terms and conditions for the associated card management app.
• Advising a major retail brand on the launch of a new e-commerce marketplace and negotiation of the agreement with a payment services provider for the provision of streamlined payment processing services between marketplace buyers and sellers.
• Advising a global payments and technology company on new global terms and conditions for the provision of an international cross-border payment service.
• Advising a global financial services firm on a collaboration and services agreement with a third-party institutional brokerage to provide brokerage and execution services to clients of the third-party brokerage, involving the secondment of SMCR approved persons and the sharing of technology infrastructure and markets data.