The new regulatory challenges associated with the advent of new operators and business models in a constantly-changing arena, the need to implement new ways of collaborating between existing operators and new players and the need to manage legal and operational risks related with information technologies and data against a backdrop of increasing cyber threats all require sound strategic, regulatory and transactional legal advice for acting in the FinTech and RegTech ecosystem. Garrigues combines long-standing experience in all legal aspects of digital business with a deep knowledge of financial transactions, regulations and operations.