FinTech and Ecosystems

EY teams work with FinTechs to drive robust and sustainable growth – setting strategy, building new value propositions and addressing a wide range of business challenges. The aim is to bring the best of EY teams to FinTech firms and the best of FinTech to the wider financial services market.

What EY FinTech services can do for you

FinTechs are essential to the future of an innovative and thriving financial services sector. We are focused on – and investing boldly in – their success in our roles as strategic advisers, capable operators, passionate advocates and relationship builders.

In supporting the FinTech market, we:

  • Help early-stage FinTechs start strong with practical advice and connections that lay foundations for rapid growth

  • Engage scale-up FinTechs for smarter growth, with advice, solutions and alliances that support innovation and reduce risk

  • Facilitate impactful connections between investors, established financial services firms, FinTechs and RegTechs with the most promising offerings and greatest growth potential

  • Work with established firms and investors interested in exploring the benefits of working with FinTech and RegTech firms

For FinTechs, scalable and sustainable growth requires access to the right resources, stakeholders and partners, and market opportunities at the right time. That includes connections with established banks, insurers and wealth and asset managers that engage FinTechs to transform key operations and processes.

The combination of FinTechs’ innovative solutions and established organizations’ scale promises to create a more customer-centric, inclusive and prosperous industry. To improve the impact, FinTechs must have a plan to scale-up sustainably, and large firms need a clear strategy and strong implementation capabilities.

While FinTechs have demonstrated impressive growth in recent years, they must continue to evolve and innovate for future growth. The next few years will see profound changes in business models across financial services, as technology advances and customer expectations rise. The EY organization aspires to continue to be the adviser of choice for a range of market players that want to maximize their growth potential.

Listen to EY FinTech Beyond Borders podcast on Apple or Spotify.

How EY teams increase the impact of FinTechs

With the EY global network, EY professionals help all types of financial services organizations – from early-stage and scale-up FinTechs to the largest multinationals – innovate and transform for growth.

We focus on areas of innovation across financial services, including RegTech, PayTech, InsurTech, ESG Fintechs, Neobanks, bank and payment-as-a-service, embedded finance, blockchain solutions, customer engagement tools, next-generation core platforms, data platforms and those applying artificial intelligence (AI) and providing transformational data and AI platforms.

EY teams view of the FinTech ecosystem




High-performing FinTech ecosystems are built on four core attributes:

  • Talent: Technical, functional, sector and entrepreneurial skills, knowledge and experience

  • Capital: Sufficient financial resources for startups and scale-ups

  • Policy: Policy and regulation that promotes innovation, including tax and growth incentives and digital public infrastructure

  • Demand: Demand for innovative products and services across consumers, financial institutions and governments

EY capabilities include:

  • Collaboration: Oversee and advise on FinTech ecosystem facilitation, procurement process support and process management

  • Regulatory compliance and audit: Navigate compliance and regulation (regulatory strategy, risk management and audit)

  • Digital strategy and platforms: Provide services effectively via web, mobile and API channels; provide advice on building digital ecosystems, embedded finance and "bank-as-a-service" offering; leveraging the FinTech ecosystem

  • International expansion: Capitalize on global opportunities (new market strategy, international tax and legal services)

  • Talent: Attract, motivate and retain talent (organizational design, employee management incentives)

  • Fundraising and valuations: Raise, invest, improve and preserve capital (transaction support, M&A advisory, IPO preparation, Special Purpose Acquisition Company (SPAC) and De-SPAC support)

  • Tax and finance: Improve financial management and reporting functions

  • Cyber and IT risk: Assess and manage technology-related risks

Transforming financial services

EY Nexus is a business transformation platform that accelerates innovation and powers frictionless customer experiences.

Our latest thinking

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Read the EY Ecosystem Study, a first-of-its-kind deep dive into how ecosystem mastery leads to higher performance.

24 Jan 2022 Greg Sarafin

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07 Oct 2021 Jan Bellens + 2

    Transformation strategies for banking leaders

    We spoke to transformation leaders at banks around the globe about how to improve transformation outcomes. Explore these insights.


    The team

    Matt Hatch

    EY Americas FinTech and Private Leader

    Entrepreneurial leader driving strategic growth within the global FinTech ecosystem. Father of two amazing girls, husband, runner, snowboarder, home brewer and retired skateboarder.

    San Francisco, USA

    Christopher Schmitz

    EY EMEIA FinTech Leader, EY EMEIA Strategy and Transactions Innovation Leader, Ernst & Young GmbH Germany Financial Services Innovation Leader

    Strategic advisor in digital transformation and innovation. Connects start-ups and investors. Family person. Wedding and portrait photographer. Passionate coffee roaster. Argentine Tango dancer.

    Eschborn/Frankfurt (Main), DEU

    Tzu-Chung Liang

    EY ASEAN Financial Services Strategy & Transactions Leader

    Strategic thinker. Transformative leader.

    Singapore, SGP

    Aaron Byrne

    EY-Parthenon Financial Services Leader

    Focused on advancing the client's capital strategies and future vision. Adept in building enterprise strategy determining strategic options and establishing inorganic strategy approaches.

    San Francisco, USA

    Christopher Woolard CBE

    Partner, Financial Services Consulting, Ernst & Young LLP; EY UK FinTech Leader; EY Global Financial Services Regulatory Network Chair; EY EMEIA Financial Services Regulation Leader

    Experienced senior leader in regulation, strategy and innovation. Building better consumer and market outcomes in financial services.

    London, GBR

    Anita Kimber

    EY EMEIA Business Transformation Leader

    Open banking champion. Passionate about facilitating better customer experiences through innovation and creativity. Dedicated to building a better working world.

    London, GBR

    Tom Bull

    EY UK FinTech Growth Leader

    Technology-focused. Facilitator of innovation. Travel enthusiast.

    London, GBR
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