The Finance and Health Lab

The Finance and Health Lab is a cross-sector research and innovation programme dedicated to improving financial wellbeing, resilience, and long-term financial health in Scotland.

Supporting fintechs

Accelerating the growth of over 250 fintech firms.

Our support

Strategic Partnerships

Developing responsible innovation with industry.

Our Partners

Research & Innovation

Driving global economic impact, inclusion, and sustainability.

Our Roadmap

Connecting globally

Creating fintech bridges around the world.

Our network

Latest updates

Regulation

19 January 2026

Creating fairer financial futures: A spotlight on FRIL research

Technology-enabled advice, Regulation and the Advice Gap: 10 minute Insight from FRIL Research. 10 Questions with Chuks Otioma, Research Associate, Adam Smith Business School As financial services explore new ways to close ...

Events

25 March 2026

PAY360 2026

PAY360 2026 returns on 25–26 March at ExCeL London. Join Europe’s largest and most influential payments event, uniting the global payments ecosystem for two days of insight, innovation, and collaboration. 6,000+ attendees from across fintech, banking, payments & technology 200+ industry-leading speakers 150+ exhibitors featuring breakthrough products and services Engagement with regulators, policymakers, global banks & high growth fintechs AI-powered matchmaking connecting buyers, innovators & strategic partners 60% in the room VIP and above PAY360 2026 is your opportunity to discover the technologies, partnerships, and strategies shaping the future of payments. Equip your business with the insights and solutions needed to thrive in a fast-changing landscape. Co-located with the brand-new Merchant Transact 360, a dedicated event created by merchants, for merchants, delivering practical, actionable insights to help navigate the ever evolving and complex payments landscape. Get your tickets today and use code FintechScotland20 to save 20% off

About

About FinTech Scotland

FinTech Scotland is a strategic cluster management organisation driving financial inclusion through fintech innovation and collaborations. Established in 2018, we support a vibrant cluster of fintech innovators, established financial firms, academics, government organisations, citizen groups and regulators.

Within this cluster, the vibrant fintech community now counts more than 250 fintech firms of all sizes developing innovative solutions in WealthTech, InsureTech, RegTech and much more. Using new technologies such as AI, blockchain and open finance date, those organisations are changing the financial services sector to drive better outcomes for citizen, societies and the environment.

The FinTech Scotland Community

Featured Fintechs

Scotland is home to a growing number of fintech firms spanning across the full spectrum of financial technologies from payments to Blockchain, from open banking to regtech and much more.