I just stumbled across a rich vein of information from the Bank of England on Fintech!
Interestingly, they state that their “work focuses on three cross-cutting technologies: artificial intelligence (AI), distributed ledger technology (DLT), and quantum computing”. Urmmm … what about crypto and CBDCs?
Anyways, the bank makes clear that it is committed to support tech innovation. For example, they “launched the AI Consortium in May 2025 with the Financial Conduct Authority (FCA). It provides a platform for public-private engagement, gathering input from stakeholders on the capabilities, development, deployment and responsible use of AI in the UK’s financial services.”
Then they also launched “the Digital Securities Sandbox (DSS) is a regulated live environment created to explore how firms could use developing technologies to undertake the activities of notary, maintenance and settlement for financial securities either alone, or with the operation of a trading venue. It facilitates the use of developing technology, such as distributed ledgers, in the issuance, trading and settlement of securities in the UK.”
And, working with the G7 and US Treasury, they published a report about the opportunities and risks of quantum computing in finance a year ago.
There’s loads of other stuff on their site. For example, reports, articles and views on AI:
April 2025: The Financial Policy Committee (FPC) published a Financial Stability in Focus (FSiF) publication on Artificial intelligence in the financial system.
April 2024: The Bank and the Prudential Regulation Authority (PRA) published a response to DSIT/HMT on our approach to AI.
October 2023: Jointly with the FCA, we published a feedback statement on Artificial Intelligence and Machine learning, based on responses to our discussion paper.
October 2022: In collaboration with the FCA, we published a discussion paper on Artificial Intelligence and Machine Learning.
February 2022: With the FCA, we published The AI Public-Private Forum: Final report.
And DLT (although a wee bit old now):
July 2024: We published our discussion paper, The Bank of England’s approach to innovation in money and payments.
November 2023: We published our discussion paper, Regulatory regime for systemic payment systems using stablecoins and related service providers.
April 2023: We concluded Project Meridian, an experiment with the Bank for International Settlements (BIS) Innovation Hub London Centre.
March 2022: The FPC published an FSiF on Cryptoassets and decentralised finance.
Plus a whole load of speeches about these areas:
October 2025: Not just token gestures − speech by Sarah Breeden.
October 2025: From new ideas to new market structures, how innovation is reshaping the financial system − speech by Sasha Mills.
September 2025: Building trust and supporting innovation in the multi-money verse − speech by Sarah Breeden.
July 2025: Building tomorrow’s markets: the digitalisation of finance – speech by Sasha Mills.
June 2025: RTGS 2: a launchpad for innovation − speech by Victoria Cleland.
June 2025: Innovation and regulation – striking the balance – speech by David Bailey.
May 2025: Data governance to set us free − speech by James Benford.
May 2025: International payment rails: the value of a harmonised gauge – speech by Sarah Breeden.
April 2025: Renewed RTGS: Digital public infrastructure as a platform for innovation – speech by Dave Ramsden.
Isn’t it amazing how much goes on under the radar?
Meanwhile, if you are interested in the Digital Pound, they have a whole raft of stuff on that too. Strange it’s not linked into their Fintech page. Equally, the Bank's policies on cryptocurrencies is all wrapped in DLT discussisions. I would separate them.
Chris M Skinner
Chris Skinner is best known as an independent commentator on the financial markets through his blog, TheFinanser.com, as author of the bestselling book Digital Bank, and Chair of the European networking forum the Financial Services Club. He has been voted one of the most influential people in banking by The Financial Brand (as well as one of the best blogs), a FinTech Titan (Next Bank), one of the Fintech Leaders you need to follow (City AM, Deluxe and Jax Finance), as well as one of the Top 40 most influential people in financial technology by the Wall Street Journal's Financial News. To learn more click here...