Philip's practice covers all aspects of financial regulation and licensing. He is a key adviser to local and foreign banks and financiers in relation to asset financing, regulated lending and payment systems. Philip has experience drafting market facing finance contracts, conducting compliance reviews for regulated businesses and in advising on the transfer and sale of regulated businesses. He has a particular focus on the legal complexities affecting the providers of retail financial services. On the advisory side, Philip is sought after for the clarity of his analysis and advice, and for his ability to envisage and find solutions.