FinTech Guide 2026 : Spain
Ranked Individual
Provided by Chambers
Deloitte Legal has impressive experience in cross-border regulatory and compliance matters and often advises Spanish banks on major digital transformation projects, including smart contracts and AI. The team is also adept at advising payments providers, e-money institutions, and FinTech unicorns.
Provided by Chambers
Deloitte has provided regulatory advice to IKEA for the design and creation of its FinTech-style marketplace and P2P platform. The marketplace allows customers to access construction, maintenance, and repairs specialists all within one platform, while the P2P platform allows IKEA customers to resell vintage IKEA furniture.
Provided by Chambers
The team has in-depth regulatory knowledge and experience on the most disruptive issues in the market.
What distinguishes the team at Deloitte Legal is its exceptional combination of technical rigour, strategic vision and operational approach, elements that are rare in the same firm.
Provided by Chambers
Francisco Javier Ramírez leads Deloitte's financial regulation group and is head of its FinTech practice. He is an expert in financial services regulation and regularly acts for Spanish banks involved in launching new FinTech banking solutions, products and tools. He also assists FinTech banks, payments services and e-money institutions.
Francisco is an area leader with great involvement throughout the department.
I think Francisco has a solid legal background but is also very pragmatic, he bridges between the client's needs and being able to translate back and forth into legal requirements.
He has good, very broad knowledge on financial regulation. He is always available as well.
FinTech Legal
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