Fintech in Egypt 2027: SH&P Contributes to the Lexology Panoramic Guide

Partner in charge

Soliman, Hashish & Partners (SH&P) is pleased to contribute the Egypt chapter to Lexology Panoramic – Fintech 2027.

Mohamed Hashish, Mariam Rabie and Abdel Aziz Mohamed authored the chapter. It provides an updated overview of the legal and regulatory framework governing financial technology and digital financial services in Egypt.

The contribution reflects SH&P’s continued involvement in international fintech publications and follows the firm’s 2026 fintech contribution.

An Overview of Egypt’s Fintech Framework

Egypt’s fintech sector is regulated through a combination of banking, non-banking financial services, technology, data protection and other sector-specific laws.

The chapter examines the roles of the Central Bank of Egypt (CBE) and the Financial Regulatory Authority (FRA). It also addresses the responsibilities of other relevant authorities overseeing telecommunications, electronic transactions and personal data.

In addition, the guide considers the licensing and regulatory requirements applicable to a range of fintech activities, including:

• Digital banking and payment services
• Open banking
• Consumer finance and microfinance
• Financial leasing and factoring
• Robo-advisory and automated investment services
• Insurtech and digital financial platforms

These topics are particularly relevant to companies assessing the legal and operational requirements of entering or expanding within the Egyptian market.

Key Technology and Compliance Considerations

The Egypt chapter also explores the increasing use of technology across the financial sector.

It considers the regulatory framework for robo-advisory services and the use of artificial intelligence in financial activities. It also examines the role of regulatory sandboxes in allowing innovative financial products and services to be tested within controlled environments.

Data remains another important area of compliance. The guide covers data protection and cross-border data transfers, cybersecurity, outsourcing and cloud computing requirements relevant to fintech businesses.

It also reviews the regulatory position on cryptoassets, digital currencies and the operation of platforms used for their issuance or trading.

Recent Regulatory Developments

The chapter highlights several developments affecting fintech and non-banking financial services in Egypt.

These include the continued implementation of the Fintech Law, the regulatory framework for digital banks and the expansion of regulatory sandboxes. It also considers recent FRA requirements relating to emerging fintech companies, technology-based risk-assessment systems and the use of financial technology by regulated financial-services providers.

The guide further addresses fintech licensing requirements and the regulatory considerations that may apply to consumer finance, brokerage and other non-banking financial activities.

The legal position covered in the chapter is stated as of 23 June 2026.

Market Entry and Operational Requirements

Beyond licensing, the chapter considers selected operational matters that may affect fintech businesses entering Egypt.

These include local-presence requirements and the employment of foreign specialists. It also examines change-of-control approvals, competition, intellectual property, taxation and financial-crime compliance.

Together, these areas provide investors and financial-technology companies with a broader understanding of the legal issues that may arise when establishing, operating or expanding a fintech business in Egypt.

The chapter forms part of SH&P’s wider experience in banking and financial-services regulation, technology and regulated business activities.

Download the Fintech 2027 Egypt Chapter

SH&P thanks the contributing editors Angus McLean, Oliver Irons and Gordon Ritchie of Simmons & Simmons, together with the Lexology team, for their work in bringing the publication together. Further information on the international guide is available through Lexology Panoramic – Fintech 2027.