As a sector, fintech is growing faster than many thought possible. The UK treasury estimates it is worth £20 billion to the economy. London is the biggest global centre for fintech firms, with more employees – some 130,000 – than either Silicon Valley or New York.

If fintech is your world – we appreciate how entrepreneurial, innovative and ambitious you are. You recognise the need to comply with regulations, but you also need to focus on growing your business.

The good news is that with us, you can do both.

Our team of dedicated fintech accountants and business advisers understands the complex demands of the Financial Conduct Authority. Our GDPR (General Data Protection Regulation) portal is a unique offering and will enable you to remain on the right side of the law when the new rules come into effect this year. And our core audit, accounting, corporate finance and tax services will ensure you are meeting all obligations while maximising your entitlements.

The Moore Kingston Smith Fintech Group brings together financial services and technology advisers to support clients in four main categories:

  • Payments
  • Lending
  • Personal finance
  • Business tools and banking infrastructure

We regularly guide clients on attracting investors, international expansion, sales and exits while our existing relationships with incubators, accelerators and key multipliers consolidate our status as trusted advisers within the fintech ecosystem.

We help you thrive in a changing world.

Our fintech sector services include:

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Lead Contact

Tom Moore

+44 (0)20 7566 4000
Email: Tom Moore


Ledgers have been used since ancient times to record assets such as money and property. They have moved from being recorded on clay tablets to paper to bytes. Now, for the first time algorithms enable the collaborative creation of digital distributed ledgers.

A distributed ledger is essentially an asset database that can be shared across a network of multiple sites, geographies or institutions. All participants within a network can have their own identical copy of the ledger. Any changes to the ledger are reflected in all copies instantly. The security and accuracy of the assets stored in the ledger are maintained cryptographically through the use of ‘keys’ and signatures to control who can do what within the shared ledger.

Underlying this technology is the ‘block chain’, which was invented to create the peer-to-peer digital cash Bitcoin in 2008. In essence, the blockchain is a giant ledger that keeps track of who owns how much bitcoin. The coins themselves are not physical objects, nor even digital files, but entries in the blockchain ledger: owning bitcoin is merely having a claim on a piece of information sitting on the blockchain.

The same could be said of how a bank keeps track of how much money is kept in each of its accounts. But there the similarities end. Unlike a bank’s ledger, which is centralised and private, the blockchain is public and distributed widely. Depending on the blockchain, anyone can download a copy of it. Identities are protected by clever cryptography; beyond that the system is entirely transparent.

The distributed nature of a blockchain database means that it’s harder for hackers to attack it and it means that the data is kept secure and private. In theory then, the blockchain method makes fraud and error less likely and easier to spot.

A number of industries, from financial institutions, banks in particular, shipping companies, cyber security and telecoms as well as governments, are exploring the possibilities of using blockchain technology in order to offer cheaper and more efficient services.

At Moore Kingston Smith, we have a dedicated team of Fintech accountants and advisers; our experience in both the technology and financial services sectors means we can advise our clients on all elements of their business operations.  Offering a full spectrum of advice; from FCA regulatory compliance and advisory and internal audit through to core audit, corporate finance, accounts and tax work; we are trusted advisers who help our clients succeed, by understanding their business aims and objectives throughout the business life-cycle.

Our international ties also provides a unique offering in the marketplace, enabling our clients to plan for the move to multi-national and global status; whether it is in Brazil, India, the US or Europe, we are fully equipped to provide expert advisory services in over 85 countries.