Nikki leads Osborne Clarke’s Financial Institutions Group, specialising in FinTech and the regulation of financial services offered to consumers and small-businesses. She is experienced in advising on the impact of FCA regulation across a range of clients, from disruptive new market entrants to lenders and retail banks and from asset finance providers to tech companies.
Nikki advises clients on whether their activities fall within the FCA regime and on authorisation applications, and helps clients structure and launch new products and services aimed at consumers and small businesses. She also advises on the full range of conduct of business requirements from financial promotions and customer journey requirements to creditworthiness and affordability, and from forbearance and collections to persistent debt. She drafts terms and conditions and notices for a wide range of products including loans, business cash advance products, current and savings accounts, credit cards, regulated hire and PCP products. Nikki works closely with other FinTech specialists at Osborne Clarke to provide holistic support for fast-growing firms.