The future of UK fintech
is being decided now.
We help you shape it.
The UK financial sector is undergoing its most significant structural transformation in a generation. Blockchain-enabled services, tokenisation, stablecoins and agentic commerce are moving from concept to commercial reality - and the regulatory frameworks that will determine winners and losers are being written today. Firms that engage now will shape the outcome. Those that wait will inherit it.
The regulatory moment
Three years that will define the market
The UK's pro-growth policy agenda under the new government has created an unprecedented wave of legislative and regulatory activity. Across four interconnected fronts, policymakers are making decisions that will fundamentally shape which business models succeed in the UK and which do not.
New regulatory frameworks
- Fiat, stablecoin & tokenised payment services
- Agentic commerce & AI-enabled payments
- FSMA 2000 (Cryptoassets) Regulations
Implementations & reviews
- Bank of England systemic stablecoin regime
- FCA Markets in Cryptoassets (MiCA-equivalent)
- PSR consolidation into the FCA
- Open Finance Roadmap & DUAA
Wider market initiatives
- Retail Payment Infrastructure (RPIB)
- Faster Payments System upgrade
- Cross-jurisdictional regulatory equivalence
- Regional wealth devolution frameworks
Policymakers will decide
- Who can adopt tokenised & agentic technologies
- What prudential obligations apply to your model
- How viable your business model becomes in UK
- Where UK firms can compete globally
How we work with you
Navigating the Burnham era
The UK's pro-growth mandate has unlocked legislative momentum - but also created an intricate maze of political and regulatory risk. Fintech firms will have the potential and viability of their business models supported or challenged by the policies being designed.
Our Fintech & Digital Assets Public Affairs Practice provides the political and policy intelligence to help you understand what these changes mean for your business, and the strategic advocacy capabilities to shape the policies that matter.
Monitor & Map
Political Intelligence & Risk Audit
Understand the political landscape and what it means for your business - before regulatory change reaches your door.
- Weekly legislative monitoring across HM Treasury, FCA, BoE and Parliament
- Bespoke stakeholder mapping: ministerial targets, committee champions and APPG contacts
- Political mini-biographies on key policymakers relevant to your sector
- Regular advisory briefings
Best for: Firms seeking to understand the UK regulatory and policy landscape and how changes affect their business model.
Targeted Engagement & Influence
Strategic Westminster Access
Move beyond monitoring to active engagement - building credibility with MPs, ministers, officials and regulators to shape specific policies and outcomes.
- Ministerial briefing papers and policy one-pagers in parliamentary language
- Regulatory engagement strategy and consultation response support
- Direct introductions to key Parliamentarians, including the Crypto & Digital Assets APPG and Open Finance and Payments APPG
- Private roundtables with ministers, officials and regulators
Best for: Firms with specific policy and regulatory goals that want to build credibility with policymakers to influence and shape outcomes.
Market & Policy Shaper
High-Impact Campaign Advocacy
For firms seeking to significantly shift the national government and policy context for a given market, business model or activity.
- Industry and Parliamentary coalition management
- Co-authoring policy papers and developing extensive evidential backing
- Trade and political media integration with outlets including City A.M. and the Financial Times
- Direct Cabinet Minister and Treasury engagement strategies
Best for: Firms, trade associations or global brands seeking a wholesale change in policy direction to support strategic market change.
Full financial PR & communications strategy
For clients requiring an end-to-end programme, our public affairs work sits alongside a specialist B2B financial communications capability through our partnership with Spreckley. With over 20 years' experience in fintech and financial services, Spreckley builds media profile, establishes thought leadership and manages reputation across national and specialist finance media, amplifying the policy gains made at Westminster into a fully integrated market presence.
Start with a pro bono policy workshop
We offer an initial complimentary session to dive deeper into the policy developments affecting your business model, map how we could engage effectively with policymakers, and outline how we could help shape outcomes to your advantage.
Request a meetingOur work
Experience in the sector
We have worked with global payments organisations and international digital assets firms at critical moments in the UK legislative and regulatory cycle.
Global Payments Organisation
Challenge: A global payments organisation needed to shape UK regulatory reform discussions and secure meaningful access at the highest levels of government.
Our role: Advised on ministerial engagement strategy, facilitated senior-level policy discussions, and secured access to key decision-makers during a critical period of reform.
International Digital Assets Firm
Challenge: An international digital assets firm needed to establish credibility and influence UK policy during a critical period of legislative development.
Our role: Developed UK policy positioning and led regulatory engagement, building the firm's credibility with ministers and officials throughout the legislative process.
Our team
Political access. Regulatory expertise. Policy insight.
Our fintech and digital assets practice brings together a rare combination of Westminster relationships, deep regulatory knowledge and parliamentary experience - giving clients access and credibility at every level of the policy process.
Charles Hosmer
Senior Adviser - Payments & Digital Assets
Until recently the FCA's Subject Matter Expert for Stablecoin Payments and Legislation and Consultation Partner for HM Treasury. Charles brings unparalleled insight into how regulators think, what they need, and how to engage with them effectively during critical policy windows.
Murray Stewart
Senior Adviser - Parliamentary Affairs
Secretary of the All-Party Parliamentary Group on Open Banking and Payments, providing direct connectivity into the parliamentary architecture that shapes fintech and digital assets policy - including the Crypto and Digital Assets APPG and key Treasury Select Committee relationships.
Cindy Han
Consultant, Red Rose Associates
Public affairs consultant supporting clients through political research, policy monitoring and stakeholder engagement. Member of the Space4Labour Executive Committee, with experience at Hanbury Strategy's public affairs and communications team.
Pete Bowyer
Partner, Red Rose Associates
One of the UK's most experienced public affairs consultants with over 30 years in public policy influencing. A Labour Party member and adviser since the early 1980s with deep ministerial and Whitehall relationships across the financial services and payments landscape.
Paul Nicholson
Partner, Red Rose Associates
Partner and co-founder with over 20 years in strategic political communications, regulatory strategy and reputation management. Experience across fintech, crypto and digital assets, including senior advisory work for major international digital assets firms navigating the UK regulatory environment.
Financial services communications
For clients requiring a full financial services communications strategy alongside their public affairs programme, we work in close partnership with Spreckley - a specialist B2B technology and financial services communications agency with deep expertise in the fintech and financial services sector. Together we offer a fully integrated public affairs and communications capability.