Financial Services, Fintech & Insurance
Financial services are being reshaped by technology, data, new distribution models and increasingly complex regulation. Clavius advises financial institutions, NBFCs, fintech businesses, payment providers, investors and other market participants on transactions, regulatory frameworks, digital finance, financial crime, enforcement and disputes in India and across borders.
Our work spans payments, digital lending, investment and market-entry structures, banking and financial regulation, KYC/AML, platform and data issues, cross-border fund flows, tokenised assets and technology-enabled financial products. We also advise where financial regulation intersects with investigations, sanctions, insolvency, enforcement or contentious proceedings.
Capabilities
Banking & Financial Regulation
Advising banks, NBFCs and financial businesses on licensing, regulatory requirements, governance, supervisory issues and engagement with financial regulators.
Payments & Payment Systems
Advising payment businesses, aggregators, gateways, wallets and platform operators on regulatory frameworks, merchant arrangements, payment flows and operational risk.
Digital Lending & Credit
Advising on digital-lending models, co-lending, credit platforms, risk-sharing, fair-lending requirements and related regulatory issues.
Fintech Transactions & Investments
Advising on investments, acquisitions, joint ventures, strategic partnerships and commercial arrangements involving fintech and financial-services businesses.
KYC, AML & Financial Crime
Advising on customer due diligence, anti-money laundering, transaction monitoring, financial-crime exposure and related compliance and enforcement issues.
Regulatory Investigations & Enforcement
Representing clients in inquiries and proceedings involving financial regulators and enforcement authorities, including matters with criminal or parallel regulatory dimensions.
Cross-Border Finance & Fund Flows
Advising on offshore lending, foreign investment, remittances, correspondent relationships, cross-border payment structures and related regulatory issues.
Blockchain, Tokenisation & Digital Assets
Advising on blockchain-enabled products, tokenised assets, smart contracts, decentralised finance and the evolving legal treatment of digital assets.
Data, Privacy & Cyber Risk
Advising financial businesses on customer data, privacy, cybersecurity, breach response and technology-related regulatory obligations.
Insurance & Risk
Advising insurers, intermediaries, policyholders and businesses on insurance arrangements, coverage, claims, distribution and regulatory issues.
Financial Services Disputes
Representing clients in disputes involving lending, payment failures, investment products, platform issues, misrepresentation, defaults and financial contracts.
Insolvency, Recovery & Enforcement
Advising on creditor rights, stressed assets, enforcement, recovery and insolvency issues arising in financial-sector relationships.
Sanctions & Financial Restrictions
Advising on sanctions exposure, restricted transactions, financial crime controls and cross-border enforcement risk.