With a multidisciplinary team, the group at Mannheimer Swartling is frequently engaged by a blue-chip client base on regulatory matters, acquisitions, and disputes. Alongside this, it has a particular strength in handling privacy issues and cryptocurrency in this space. For financial regulatory matters, Carl Johan Zimdahl is a key contact with experience in distribution, sanctions, and litigation. Likewise, Carolina Flagge is a notable name in this area, with a particular focus on electronic money and corporate loans, while Anders Bergsten is the group’s IT law expert, recently working on a range of information security mandates.
Fintech in Sweden
Mannheimer Swartling
Praxisleiter:
Carl Johan Zimdahl
Weitere Kernanwälte:
Carolina Flagge; Anders Bergsten
Referenzen
‘Very knowledgeable. Delivers commercial and practical advice, which is rare among lawyers within the field of financial regulation.’
‘Carl Johan Zimdahl is very knowledgeable. Delivers commercial and practical advice, which is rare among lawyers within the field of financial regulation.’
‘The team has a very good regulatory understanding and can combine this legal understanding with an understanding of the commercial and technical aspects, which is very important in the fintech area.‘
Kernmandanten
Klarna Bank
Nasdaq
Nordea
Swedbank
Skandinaviska Enskilda Banken
DNB Bank ASA
Söderberg & Partners
Highlight-Mandate
- Advised DNB on the transformational, high-profile acquisition of the Carnegie Bank group.
- Advised Handelsbanken on the carve-out and divestment of part of its group Finnish operations to a Finnish consortium.
- Advised one of the largest Nordic banks in a major license review matter, concerning the bank’s payment solutions.
Setterwalls
Advising on the full spectrum of fintech matters, including payments, data protection, and blockchain issues, the team at Setterwalls continues to be a leading player within the market. The group supports a diverse client base spanning the national government to innovative start-ups. Joacim Johannesson heads the practice, where he is a key contact for companies within the banking and finance sector. Specialising in tech and IP, Niklas Follin is frequently engaged in commercial tech deals and digital compliance matters in the fintech field. Tobias Björklund is another notable name for regulatory matters, including financial regulation.
Praxisleiter:
Joacim Johannesson
Weitere Kernanwälte:
Niklas Follin; Tobias Björklund
Referenzen
‘It’s exceptional how fast and accurately they understand the most important parts of your business and start adding value. I’ve met quite a few legal experts and firms over the years in both startup settings as well as well-established firms. Setterwall with Joacim Johannesson, and Niklas Folin are number one.‘
Kernmandanten
Atlar
Agency for Digital Government
Bokio
Crowdcube Sverige AB
The Central Bank of Sweden
FNZ Group
Goldman Sachs
Marblechain AB
MUBADALA Capital
Moank Fintech Group
Monterro
SEB
Thought Machine
Ziklo Bank AB
Zaplify Group AB
Highlight-Mandate
- Assisted the fintech scale up/unicorn Thought Machine in its strategic, multi-jurisdictional platform outsourcing project with one of Sweden’s major banks, SEB.
- Advised the Central Bank of Sweden in relation to future processing proposals for the settlement of large-value instant payments (RTGS system) in central bank currencies and securities, for which the European Central Bank’s T2 and T2S service platforms are under consideration.
- Assisted Zaplify with its significant VC investment and provided day-to-day advice on the company’s launch of a fintech product that is a cross between a payments platform and a sales acquisition engine for customer interaction (SaaS Sales Engagement Payment Platform service)
Vinge Advokatfirman KB
The team at Vinge Advokatfirman KB advises on a broad spectrum of fintech issues, with expertise in regulatory matters, transactions, and wider corporate mandates. The group is frequently engaged by start-ups, traditional banks, and established enterprises, providing a strong multi-jurisdictional offering. Practice head Emma Stuart-Beck is well-regarded for her experience in the financial services, advising on a wide range of regulatory developments and start-up expansions. Working alongside her is Caroline Krassén, who specialises in regulatory approval, licensing, and compliance. Henrik Schön is a key name for new product launches and wider M&A transactional work in the fintech sector.
Praxisleiter:
Emma Stuart-Beck
Weitere Kernanwälte:
Henrik Schön; Caroline Krassén
Referenzen
‘What I value most is that they manage to combine deep technical knowledge with a practical way of working – the advice is clear and usable, even when the underlying issues are complex. I also appreciate the size and breadth of the group. No matter what the question has been, there is always someone available with the right expertise, and that gives a lot of comfort when things need to move quickly.‘
‚I have been impressed by both the senior lawyers and the more junior associates. They are knowledgeable, responsible, and engaged. It makes the collaboration smoother and gives me confidence that things are being handled properly. I also like that it is easy to have more informal conversations with the team. Sometimes it is just about testing an idea or getting a quick view, and they are very open and highly responsive in that way.‘
‘Among the individuals, several stand out. Emma Stuart-Beck, who heads the group, is a very strong lawyer and an exceptional team leader. She has long experience and a solid reputation, but what I value most is that she is straightforward, pleasant to work with, and has real integrity. She manages large and complex projects in a calm and structured way, which makes a big difference.‘
Kernmandanten
SEB Kort Bank AB
Apple
Klarna Bank AB
Houlihan Lokey
FNZ Bank AG
Playtech
VISA
Jyske Finans A/S
Ikano Bank AB
Anyfin
Morrow Bank ASA
EQT X
Multitude Bank Plc
Highlight-Mandate
- Assisted the Norwegian bank Morrow Bank in establishing and applying for authorisation as a Swedish bank, which is the most significant and cumbersome authorisation process under applicable financial regulations, with the long-term goal of relocating the bank to Sweden.
- Advising financial services company FNZ Bank AG and ebase in connection with the implementation of an entirely new savings platform at Swedbank, one of Sweden’s largest banks.
- Assists Klarna with regulatory reviews concerning the bank’s services in Sweden and in cross-border matters.
Advokatfirman Cederquist KB
The fintech legal group at Advokatfirman Cederquist KB remains active, advising on regulatory matters, transactional mandates, and capital instrument issuances. The team is also regarded for its IT expertise, in this space, frequently supporting clients on cybersecurity and data protection issues. Tobias Frödin Lilja is well-regarded for his work in financial regulatory matters, working on licensing requirements and governance. He leads the team alongside Henrik Lindstrand, who is the group’s technology specialist, advising on a range of e-commerce and information security matters. Sebastian Bertheau is a key name for complex regulatory approvals.
Praxisleiter:
Tobias Frödin Lilja; Henrik Lindstrand
Weitere Kernanwälte:
Sebastian Bertheau; Joel Aneheim
Referenzen
‘Cederquist is a very competent law firm with a very competent tech team, but it also has a skilled team in banking and finance, which in our case means that they can cover parts of the regulatory issues of IT arrangements.’
‘The individuals I have worked with are very skilled in their area of expertise. As individuals, they are also sympathetic and easy to have a transparent and straightforward dialogue with, which made the cooperation run smoothly.’
‘Competent, solution-oriented. Very easy to deal with and available when you need them. Contributed strongly to reaching the finish line.’
Kernmandanten
Lumera AB
Treyd Services AB
Rivr Technologies AB
Sambla Group AB
Alecta Tjänstepension AB
Findity AB
Skandinaviska Enskilda Banken AB
Highlight-Mandate
- Advised Sambla Group in its integration of the fintech company MyMoney Europe AB, a loan broker that offers simple and appropriate financing of larger purchases on attractive terms and with a special focus on loans for car purchases.
- Assisting Rivr in various matters relating to its services and authorisation, enabling Rivr to offer tailor-made customer checkout experiences and financing solutions.
- Assisting Skandinaviska Enskilda Banken AB (SEB) and a consortium of the biggest banks in Sweden, in their regulatory sandbox project with the Swedish Authority for Privacy Protection (IMY), regarding information sharing (among banks) used for anti-money laundering purposes.
Gernandt & Danielsson Advokatbyrå
With a strong cross-border offering, the team at Gernandt & Danielsson Advokatbyrå is frequently engaged in transactions and regulatory issues in the fintech space. The team has experience advising on early-stage development matters, using its multidisciplinary approach in financial regulation, technology, and commercial law. Niclas Rockborn brings expertise in financial regulation, as well as alternative investment funds. Leading the team alongside him is Carl Westerberg, who is well placed to handle acquisitions and joint ventures. Rikard Sundstedt is a key name for licensing, compliance, and enforcement issues.
Praxisleiter:
Carl Westerberg; Niclas Rockborn
Weitere Kernanwälte:
Rikard Sundstedt; Arijan Kan
Referenzen
‘Richard Sundstedt is extremely good at transforming business language to legal language. Very high knowledge within the payment services area and AML.’
‘We chose to work with Gernandt & Danielsson because of its expertise in the Swedish financial markets‘ regulatory landscape. It was also important for us to select a practice that not only is up to speed on the latest regulations, etc, but is also involved in market working groups/initiatives concerning financial regulations/practice in Sweden.’
‘Niclas Rockborn and Arijan Kan have an in-depth knowledge of the financial markets‘ legislation in Sweden. They are both very much up-to-speed on the latest initiatives and developments. This gives us confidence in the information and advice they provide us. Both Niclas and Arijan are a delight to work with, very professional and approachable, and provide timely responses to our inquiries.’
Highlight-Mandate
Advokatfirman Delphi
With a particular strength in regulatory matters, the fintech team at Advokatfirman Delphi is well-experienced in commercial contracts and advising on technology issues. Alongside this, the group is growing its cybersecurity and AI offering in this space. John Neway Herrman leads the group, where he advises on application and registration processes, as well as on blockchain matters. For IT and IP matters, Agne Lindberg is a key name, while Erik Ålander is well placed to advise on crypto and AI matters.
Praxisleiter:
John Neway Herrman
Weitere Kernanwälte:
Agne Lindberg; Erik Ålander
Referenzen
‘John Neway Herrman is a stand-out partner with his deep legal knowledge and friendly, approachable style that makes him a pleasure to work with.’
‘Delphi’s team, headed by John Neway Herrman, is one of a few in Sweden covering the fintech landscape, both from a regulatory point of view as well as contracts, outsourcing, and IT, which is difficult to find.’
‘Partner John Neway Herrman is a competent lawyer and advisor within the industry. He is also very visible in the context of regulatory/fintech events and seminars, and has a clear interest in the industry and its players. I know that he is highly regarded by clients. John’s team member Erik Ålander is definitely someone who is also on his way to a brilliant career as an advisor in the sector.’
Kernmandanten
Sparbanken Skåne AB
Carnegie Investment Bank AB
Highlight-Mandate
- Advised Sparbanken Skåne AB on compliance with third party fintech risks related to DORA.
- Advised Carnegie Investment Bank AB on compliance with third party fintech risks related to DORA.
Eversheds Sutherland
Eversheds Sutherland continues to advise on a range of regulatory, financing, and crypto mandates. Philip Heilbrunn co-heads the team, bringing over 20 years of expertise in financial services and financial regulatory matters. Leading alongside him is Tord Svensson, who has experience in the tech aspects of real estate financing. Sara Malmgren is another key name in the group, where she handles a range of complex commercial IT-related contracts as well as advising on privacy and cybersecurity in Fintech transactions.
Praxisleiter:
Philip Heilbrunn; Tord Svensson
Weitere Kernanwälte:
Sara Malmgren
Kernmandanten
American Express Global Business Travel
Akela Realkredit AB
Blockchain Sweden
Froda AB
IATA
Microsoft
Swedemount Sports & Fashion AB
Veoneer
Zenith Venture Capital
Highlight-Mandate
- Advising American Express Global Business Travel on cross-border compliance matters.
- Advising Froda AB, a licensed financial institution and one of Sweden’s fastest growing FinTech companies, in relation to inter alia various compliance and employment matters.
- Advising Microsoft in relation to the establishment of three hyperscale data centre facilities in Sweden.
Hammarskiöld
With a particular strength in financial regulatory matters, the Fintech team at Hammarskiöld regularly advises on a range of complex licensing and registration processes. Practice head Mattias Anjou undertakes a variety of financial regulation matters, with experience in supporting credit institutions, investment funds, and fund managers. For transaction-based mandates in the sector, Erik Löfwall is a key name. Emma Lindwall is well placed to advise on sanction matters and cross-border operations and Johan Löfquist is a notable name for e-money matters.
Praxisleiter:
Mattias Anjou
Weitere Kernanwälte:
Johan Löfquist; Emma Lindwall; Erik Löfwall
Referenzen
‘Mattias Anjou understands us and our prioritises.’
Kernmandanten
Hypoteket Bolån Sverige AB
Froda AB
Qred Bank AB
Zimpler AB
Lea Bank AB
Frink AB
Länsförsäkringar Bank AB
Highlight-Mandate
- Advised Lea Bank AB in becoming a Swedish credit institution and moving the operations from Norway to Sweden.
- Advised Frink AB on its application to become a credit institution.
- Advised Länsförsäkringar Bank AB on the acquisition of SAVR AB.
Harvest Advokatbyrå
The Fintech team at Harvest Advokatbyrå fields an active practice, advising clients on a range of regulatory issues, including sustainable finance, whistleblowing, and outsourcing. Alongside this, the team is frequently engaged in data privacy and protection issues. Jointly leading the team is Amin Bell, who serves as the key contact for implementing new legislation, and Anna Cumzelius, who specialises in payment service regulatory issues. Working alongside them is Niklas Sinander, whose recent work includes license applications.
Praxisleiter:
Amin Bell; Anna Cumzelius
Weitere Kernanwälte:
Niklas Sinander
Referenzen
‘What sets Harvest apart from other law firms providing legal advice to fintechs is their focus on compliance.‘
‘Amin Bell, Anna Cumzelius, and Erik Sinander are all very visible on the market.‘’
‘Very attentive to details and knowledgeable within our field.‘
Kernmandanten
Bankgirocentralen BGC AB
Global X Digital Assets Issuer Limited
Invoier AB
Kameo AS and its subsidiaries and branches
Optise AB
Sigmastocks Neo AB
Sileon AB
Teknik Innovation Norden Fonder AB
TF Bank AB
Xbaht AB
Bankgirocentralen BGC AB
Highlight-Mandate
- Advsed Teknik Innovation Norden Fonder on the implementation of the Digital Operational Resilience Act (DORA).
- Assisting Kameo and its subsidiaries and branches with a wide variety of legal matters, including several application procedures with the Swedish Financial Supervisory Authority, as Kameo’s business operations expand.
- Assisting Optise with several applications to the Swedish Financial Supervisory Authority, and advising in connection with the disclosure regulation, taxonomy, and the implementation of the DORA regulation.
Roschier
With a particular strength in advising on transactional mandates, the Fintech team at Roschier supports a diverse client base, including fintech companies, banks, and payment service providers. Recently, the group has been advising on the regulatory aspects of cross-border sales, practice co-heads Niklas Eriksson and Björn Johansson Heigis being key contacts for this. Björn Hård af Segerstad is another notable name, noted for his work on a broad array of regulatory matters. Johan Häger left the firm in May 2025.
Praxisleiter:
Niklas Eriksson; Björn Johansson Heigis
Weitere Kernanwälte:
Björn Hård af Segerstad
Referenzen
‘A highly competent group with wide capabilities. Quick responses. Able to grasp the questions with ease and find solutions.’
‘Björn Hård af Segerstad is a standout lawyer. Highly available and competent.’
Kernmandanten
Klarna Bank
EQT
CVC
SEB
DNB
Sprints
Highlight-Mandate
- Advising Klarna on the finance regulatory aspects of the cross-border spin-off and sale of its check-out business (now named Kustom) to a consortium led by the private equity firm BLQ Invest.
- Advising EQT on the finance regulatory aspects of its public offer to acquire Fortnox, a well-known Swedish business platform. Value: approx. EUR 5bn.
- Advising SEB on the acquisition of a credit card portfolio from Nordea Finance, meaning that this credit card portfolio will, from closing, be issued and handled by SEB instead of Nordea Finance.
Snellman
Advising clients from established financial institutions to start-ups, the fintech team at Snellman has particular expertise in cloud procurement and digital regulatory matters. Recently, the group has been engaged in advising on compliance with DORA alongside wider data protection rules. Caroline Sundberg is regarded for her work with AI as well as digital compliance legislation. Anna Ribenfors is another key name for tech regulatory legislation. They work alongside Elisabeth Vestin, who leads the team.
Praxisleiter:
Elisabeth Vestin
Weitere Kernanwälte:
Caroline Sundberg; Anna Ribenfors
Referenzen
‘Snellman is very skilled and experienced in this area, and they are easy to get in touch with’
‘They are able to explain complex matters in a way that non-legal persons can understand. They are very professional.’
Kernmandanten
Svenska e-fakturabolaget AB
Enklare AB
Seeburger Group
Nordic Growth Market NGM AB
SEB Kort Bank AB
Vourity AB
Highlight-Mandate
- Counsel to Svenska e-fakturabolaget AB in drafting and negotiating agreements for the development of a new e-invoicing platform, operations of the platform, and related customer agreements.
- Counsel to SEB Kort Bank AB in re-negotiating numerous IT agreements to implement the EU Digital Operational Resilience Act (DORA).
- Counsel to Vourity AB in negotiating several agreements referring to payment solutions for the EV (electronic vehicle) market segment.
Synch Law AB
Advising on a range of financial regulatory, corporate, and M&A transactions, the fintech team at Synch Law AB is also growing its venture capital offering. Practice head Johan Ragnar has almost 20 years of experience in a wide range of financial regulatory and commercial matters. Jim Runsten is a key contact for technology matters, frequently advising on AI. Hugo Snöbohm-Hartzell is noted for advising on DORA.
Praxisleiter:
Johan Ragnar
Weitere Kernanwälte:
Hugo Snöbohm-Hartzell; Jim Runsten
Referenzen
‘Agile and very responsive team. Very knowledgeable.’
Kernmandanten
EML Payments (EU) Limited
Highlight-Mandate
- Advising EML Payments on its legal and regulatory needs in Sweden.
DLA Piper Sweden
The fintech team at DLA Piper Sweden is growing its offering in financial regulatory and data privacy matters, including advising clients on multi-jurisdictional GDPR and DORA. Alongside this, the group remains active, supporting clients in corporate and private equity work in this sector. Heading the practice is Magnus Oskarsson, who has extensive experience advising tech and financial services firms on a range of M&A and investment matters.
Praxisleiter:
Magnus Oskarsson
Weitere Kernanwälte:
Joel Montin; Lovisa Svensson; Björn Sjöberg
Referenzen
‘DLA Piper Sweden has been an invaluable partner in helping our business navigate heightened regulatory obligations. Their advice is consistently direct, timely, and thorough, with a strong emphasis on practical application.’
‘Joel Montin and Lovisa Svensson distinguish themselves through a rare combination of precision, speed, and practical insight.’
‘This fintech practice combines financial expertise with a sharp understanding of technology. They don’t just advise — they anticipate challenges, deliver clear and practical strategies, and consistently stay ahead of the curve.’
Kernmandanten
Majority
Gilion
Northzone
Fintech Collective
EQT Ventures
Canada Pension Plan Investment Board (CPPIB)
Creandum
Global Fintech Industries
Utopia Music AG
SAVR AB
Highlight-Mandate
- Advised EQT on a large cross-border regulatory project regarding cloud computing contracts.
- Advising SBAB on an in-depth review of the Swedish provisions around banking secrecy and their applicability when making data covered by banking secrecy available to a cloud service provider.
Magnusson
The team at Magnusson advises on a broad range of corporate governance, financial regulatory, as well as data privacy and protection matters. Robert Karlssonis well-equipped to handle a range of investment and capital raises in the fintech sector. For IT and IP matters, Helena Rönqvistis a key contact; she also routinely advises on data regulations and e-commerce. They lead the team alongside Caroline Landerfors, who works with insurance regulatory matters.
Praxisleiter:
Robert Karlsson; Helena Rönqvist; Caroline Landerfors
Referenzen
‘A very competent team, especially in terms of strategic regulatory advice.’
‘Robert Karlsson stands out with his strategic perspective on regulatory matters. He has unique qualities when it comes to really zooming in on what matters, both from a regulatory as well as a business perspective.’
‘I have worked with Helena Ronqvist, and she continues to impress me. She has an excellent understanding of all areas that are important for me, including commercial contracting, IPR, privacy, and more.’
Kernmandanten
Fondo Solutions
Spotlight
Lysa AB
Omocom
Ebie
Endava Plc
Inex One
Svalna
Evitec Solutions
Söderberg och Partners
Atle Investment Management AB
Nineyards Equity
Transferuno Oy
Highlight-Mandate
- Represented the Nordic software company Evitec Solutions in strategic SaaS contract negotiations with the Swedish insurance company Bliwa.
- Representation of Omocom, a Swedish Insurtech company who has introduced insurance products that promote and facilitate the circular economy.
- Guided Fintech player Ebie through their strategically critical application to the Swedish Authority for Privacy Protection.
TM & Partners
The team at TM & Partners advises on a range of regulatory matters, licensing, and digital compliance mandates. Practice head Eva Sundling supports a range of fintech companies, banks, and financial institutions on regulatory issues and new technology. Simon Lundahl and Andy Vo are other key names in the team.
Praxisleiter:
Eva Sundling
Weitere Kernanwälte:
Simon Lundahl; Andy Vo
Referenzen
‘The team is service-minded and provides world-class legal support.’
‘TM & Partners offers services that are relevant to our business and has a team that is customer-oriented.’
‘Eva Sundling has a good knowledge of financial security solutions and is attentive to the customer’s needs. She is also proactive and available.’
Highlight-Mandate
- Advising a major financial institution on a business-critical outsourcing project.
- Advising a digital services company on financial regulatory matters such as assessing legal regulatory implication of certain products.
- Advising a financial services company on issues relating to the Digital Operational Resilience Act (DORA) and on its outsourcing agreements.