Fintech 2025

AUSTRALIA

Australia

Trends and Developments Contributed by: Charmian Holmes, Jaime Lumsden, Michele Levine and Jessica Smith Hamilton Locke

Sydney

Tasmania

Hamilton Locke is a full-service corporate law firm. The funds and financial services team is one of the go-to firms for fintech, insurtech, digital asset and other emerging technology businesses seeking legal and regulatory advice. Chambers and Partners recognises Hamilton Locke in their Asia-Pacific and FinTech Legal

Guides reflecting the firms’ client service com - mitment. Collectively, the firm has been deeply steeped in the fintech space since early 2013. Working closely with clients across the fintech value chain and the leading industry bodies in - cluding FinTech Australia, InsurTech Australia and DECA.

Authors

Charmian Holmes is a partner and head of the funds and financial services team at Hamilton Locke. She is a highly regarded insurance regulation lawyer and is sought out for her

Jaime Lumsden is a partner at Hamilton Locke and a leading expert on the Australian financial services and consumer credit regulation. She delivers fearless and technically excellent advice

expertise in designing innovative insurance solutions, particularly for Insurtechs. She advises brokers, managed general agents, insurers and Insurtechs on innovative product design and niche products. She collaborates with clients from concept to delivery utilising to help create customer-centric value propositions. She advises on alternative risk structures including aggregate deductible schemes, discretionary mutuals, parametric products and insurance captives. Charmian leads the firm’s relationship with Insurtech Australia and is a recognised practitioner in Chambers and Partners.

across a broad range of financial services participants, including payments, derivatives, foreign exchange, general insurance, wealth management, business and consumer credit, buy now pay later, fintech and digital assets. A recognised practitioner in Chambers and Partners’ Asia-Pacific and FinTech Guides, she has been instrumental in product design and structuring BNPL and regulatory reform on digital asset and payment products.

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