The fintech sector can be described as “tech-driven financial innovations that could result in new business models, applications, processes and products with an associated material 2. effect on financial markets, related institutions and the provision of financial services” It is important that the Scottish legal system can adapt to new challenges and opportunities in this area. 1 Scottish Enterprise | DKA Report | Blockchain in Scotland 2 FinTech | University of Strathclyde SP Bill 75–FM 1 Session 6 (2025) This document relates to the Digital Assets (Scotland) Bill (SP Bill 75) as introduced in the Scottish Parliament on 30 September 2025 5.