Fintech & Payment Services
Expert fintech and payment services legal services in Hong Kong. SVF licensing, payment regulations, open banking, and digital financial services advisory across Asia-Pacific.
Overview
Hong Kong has emerged as a leading fintech hub in Asia, supported by progressive regulatory initiatives, a robust financial infrastructure, and strong government support for innovation. Robert Lee Law Offices helps fintech companies and financial institutions navigate the regulatory landscape while bringing innovative products and services to market.
Our team advises across the full spectrum of fintech activities, from payment services and digital banking to regtech solutions and financial infrastructure. We understand both the technology and the regulatory frameworks that govern digital financial services in Hong Kong and across Asia.
With experience spanning early-stage fintech startups to established financial institutions pursuing digital transformation, we provide practical legal guidance that supports innovation while ensuring regulatory compliance.
Our Fintech & Payment Services
Stored Value Facility (SVF) Licensing
- SVF licence applications with the HKMA
- Business model and regulatory assessment
- Float safeguarding and security arrangements
- Technology and operational requirements
- Ongoing SVF compliance and reporting
- Cross-border SVF operations advisory
Payment Services & Remittance
- Payment service regulatory analysis
- Money Service Operator (MSO) licensing
- Cross-border payment structuring
- Correspondent banking arrangements
- Payment system access and participation
- E-money and prepaid card programmes
Digital Banking & Virtual Banks
- Virtual bank licensing advisory
- Digital banking product development
- API and open banking frameworks
- Banking-as-a-Service (BaaS) arrangements
- Partnership structures with licensed banks
- Regulatory sandbox participation
Lending & Credit Platforms
- Peer-to-peer lending platform structuring
- Money Lenders Ordinance compliance
- Buy-now-pay-later (BNPL) regulatory analysis
- Credit scoring and alternative data advisory
- Consumer credit regulatory requirements
- Invoice financing and factoring platforms
Regtech & Compliance Technology
- Regtech solution provider advisory
- AML/KYC technology implementation
- Regulatory reporting automation
- Compliance technology procurement
- Data protection and privacy compliance
- Technology vendor due diligence
Insurtech & Wealthtech
- Digital insurance distribution
- Robo-advisory regulatory compliance
- Insurtech product structuring
- Digital wealth management platforms
- Insurance aggregator and comparison platforms
- Embedded finance and insurance arrangements
