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Financial Technology and Challenger Banks in the UK: Gap Fillers or Real Challengers?

Research output: Contribution to journalArticle

Original languageEnglish
Pages (from-to)273-282
Number of pages10
JournalJournal of International Banking Law and Regulation
Issue number7
Publication statusPublished - 1 Jul 2017


King's Authors


Discusses how the development of innovative financial technology (Fintech) is giving rise to new "challenger banks" entering the UK market. Examines the business models of two digital challenger banks, Aldermore Bank and Shawbrook Bank, and the mobile-based Atom Bank. Suggests why challenger banks have proved popular with investors. Assesses how they are regulated in the UK and identifies some regulatory concerns.

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