Market entry, financial regulation and technology law for companies building, launching or scaling in Poland.
My name is Katarzyna Szczudlik. I’m a Partner at Schoenherr in Warsaw and a FinTech & Technology Lawyer in Poland. I advise international crypto, fintech, technology and financial-services companies on entering the Polish market, obtaining regulatory licences and navigating Polish and EU technology law and regulation.
I’m Katarzyna Szczudlik, Partner at Schoenherr in Warsaw and a FinTech & Technology Lawyer in Poland. I advise international companies on market entry, licensing and regulatory compliance, particularly where technology and financial regulation overlap.
My experience includes representing clients in more than 20 KNF licensing proceedings, advising over 30 businesses on entering the Polish market and working on more than 80 technology projects involving fintech, payments, AI, cybersecurity, data protection and IT contracts.
Whether you are launching in Poland for the first time or scaling an existing fintech or technology business, I help you answer the legal questions that arise when entering a new regulatory market.
Can we operate in Poland? Advice on market entry, licensing requirements, passporting and local regulatory obligations.
What licence do we need? Advice on KNF licensing, payments, e-money, CASP, MiCA, AML/CFT and regulatory strategy.
Does our technology comply? Advice on AI Act, GDPR, NIS2, DORA, cybersecurity and IT contracts.
How do we scale? Ongoing Polish and EU regulatory advice as the business grows and enters new markets.
Strategic regulatory guidance in practice — a few recent examples of how I help companies enter and scale in regulated markets.
- Payment institution / crypto exchange (2025)— obtaining a Polish payment institution (Krajowa Instytucja Płatnicza) licence and providing ongoing MiCA compliance advisory for its crypto-asset-related activities.
- International technology company (2025)— supported market entry into Poland, including regulatory scoping, requirements analysis and structuring of local operations.
- Scaling technology business (2025/2026)— led an end-to-end NIS2 implementation, including gap assessment, incident-reporting procedures and internal governance documentation.
- Financial services company (2024)— delivered a combined DORA and GDPR compliance programme, aligning ICT risk management with data protection obligations.
- International bank (2026) — advised on market entry into Poland, including structuring its product offering to align with Polish and EU regulatory requirements.
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Tell me what you are building, where you want to operate, and what regulatory issue you are facing. I’ll help you identify the relevant legal and regulatory questions and the most practical next steps.
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