The Financial Services industry has evolved tremendously over the past few decades, as has technology, changing the way these services are delivered and experienced. Fintech is at the intersection of “Fin” and “Tech” and is a critical component and disruptor in the financial services sector, putting itself at the forefront of how companies conduct business. This type of technology provides companies and consumers with innovative and accessible solutions to streamline financial transactions, increase transparency and education, facilitate regulatory compliance and so much more.

Fintech Challenges and Trends

Identifying, assessing and controlling Anti-Money Laundering (AML) and Know Your Customer (KYC) regulatory compliance risk is crucial to a Fintech company’s success. Withum’s Fintech services team can help you mitigate these potential threats and failures to maintain the health of your business and ensure you are compliant

Learn more about AML

With the risk of cyber threats increasing year over year, securing your digital data and protected personal information (PPI) has become that much more important. Ensuring your company and customers’ data is safe should be a top priority, which is why you need an advisor who will protect you, your business and your client’s sensitive information.

Learn more about Cybersecurity

Navigating tax laws can be challenging for even the most sophisticated companies. Our tax structuring, planning and preparation services can ease the tax law burden and allow you to think strategically and build toward the future.

Learn more about Tax Compliance

Fintech companies face unique challenges when it comes to accounting nuances as they are not traditional finance companies nor your everyday commercial enterprise. Withum has the experience and knowledge to help you ensure your accounting is in compliance with generally accepted accounting principles (US GAAP) and valuation experts who can assist with loan loss, credit losses, and other loss modeling.

Learn more about Valuation Services

Research and development (R&D) can lead to exciting and innovative ideas that bring companies to new heights. Certain R&D activities can also lead to certain tax credits that can reduce your payroll tax liability, if your Fintech company is eligible, which allows tax loss-generating companies to benefit from the credit. Let Withum help you uncover your potential R&D Tax Benefits.

Learn more about R&D Tax Credits

Innovation and growth can lead to mergers and acquisitions (M&A), and without the help of trusted advisors, these opportunities can be a daunting task. Withum has the experience and knowledge to make sure your business’s M&A opportunity is a smooth transition.

Learn more about Transaction Advisory Services

Reducing Internal Controls Risks

Our suite of comprehensive internal controls reports is customized and designed to meet the needs of your business model, as we know that these reports provide organizations with valuable information users need to assess the risks associated with their financial and operational access to systems and data.

With this such great advancement in the Fintech world comes a multitude of regulations that bring on compliance risks, challenges and complications. Companies need a full suite of Fintech accounting, advisory and tax services to adjust and adapt to these regulations, remain compliant and continue thriving in this technology-driven environment. We are ingrained in the Fintech sector and understand the unique trends and challenges within the industry. Let Withum use its deep-rooted knowledge and expertise of the Fintech sector to help problem solve challenges like risk management, ESG regulations and tax compliance, and guide your company toward its ultimate goal of success.

Who We Help

  • Digital Lending
  • Payments
  • Neobanks
  • InsurTech
  • PropTech
  • RegTech
  • Digital Wealth Management

Fintech Accounting, Advisory and Tax Services


  • Audited Financial Statements
  • Tax provision preparation support / ASC 740 Income tax accounting
  • Bank Secrecy Act (BSA)/Anti Money Laundering (AML) consultations and guidance
  • ESG consulting and compliance
  • Recent accounting pronouncements adoption
    • ASC 326 Credit Losses
    • ASC 606 Revenue Recognition
    • ASC 842 Leases

Digital Assets and Blockchain Technology

Digital Assets and Blockchain Technology are integral to the fintech revolution. They empower individuals and businesses to transact seamlessly, reducing costs and enhancing security. Moreover, blockchain’s decentralized nature enables fintech innovations such as DeFi and smart contracts, disrupting traditional financial systems. As a result, digital assets and blockchain are at the forefront of reshaping how we manage and interact with financial services.

Contact Us

For more information or to discuss your business needs, contact Withum’s Fintech Services Team.


Jessica Offer


Whippany, NJ

Christopher M. DeMayo


New York, NY

Ryan M. Shannon


New York, NY

Ryan Babiak


Whippany, NJ