FinTech, Banking & Financial Regulation

The European financial sector operates within one of the world’s most complex regulatory environments. Fintech companies, payment institutions and digital finance businesses increasingly need to navigate overlapping regulatory, operational and compliance requirements while continuing to scale and innovate.

Regulatory frameworks such as MiCA, PSD2, DORA and AML obligations are reshaping how financial products are launched, operated and expanded across the European market.

FinTech regulatory strategy and compliance

Supporting fintech companies navigating evolving European financial regulation, operational compliance and digital finance frameworks.

PSD2 / PSD3, EMD2, MiFID II / III and EMIR
Ongoing regulatory advice for financial and payment institutions
Passporting across EU Member States
Electronic payments, e-money and agent networks
Limited network exemption instruments

Licensing and authorisation support

Advising organisations preparing regulatory applications and licensing processes across regulated financial sectors.

KNF licensing and registration support
KIP, MIP, EMI and CASP authorisations
Investment fund and brokerage registration processes
Regulatory communication and supervisory support

MiCA and crypto-asset regulation

Supporting crypto and digital asset businesses navigating MiCA and evolving EU regulatory frameworks.

VASP / CASP registration
Stablecoins and crypto-assets
Asset tokenisation and DeFi structures
FATF Travel Rule implementation
Blockchain and Web3 regulatory considerations

PSD2 and payment services regulation

Providing regulatory guidance for payment institutions, digital finance products and payment service operations.

AIS and PIS frameworks
API compliance and open banking
Acquiring and payment infrastructure
Consumer-facing payment products

AML and operational compliance frameworks

Supporting financial entities preparing operational resilience and DORA governance frameworks.

Gap analysis and implementation roadmaps
Operational resilience frameworks
Vendor and ICT risk management
Governance and incident response preparation

DORA implementation and resilience requirements

Supporting financial entities preparing operational resilience and DORA governance frameworks.

Gap analysis and implementation roadmaps
Operational resilience frameworks
Vendor and ICT risk management
Governance and incident response preparation

Regulatory support for blockchain and Web3 projects

Advising blockchain and Web3 businesses operating within regulated European markets.

Smart contracts and tokenisation
Digital asset and Web3 structures
Regulatory considerations for decentralised products
Cross-border crypto operations

Market entry into Poland and the European Union

Helping international companies navigate regulatory requirements for entering European markets.

EU market entry strategy
Regulatory architecture and structuring
Multi-jurisdiction launches
Cross-border operational considerations

Financial product and operational risk assessment

Assessing regulatory and operational considerations across digital financial products and services.

BNPL and crowdfunding models
Leasing and online factoring
Consumer credit regulatory considerations
Operational and product risk mapping

Regulatory guidance for scaling digital finance businesses

Supporting fintech and technology businesses scaling across regulated European environments.

Regulatory advice for VC/PE investors
B2B contracts and outsourcing structures
M&A regulatory due diligence
Scaling regulated operational frameworks

Financial Regulation

PSD2 / PSD3, EMD2, MiFID II / III, EMIR

Crypto & Digital Assets

MiCA, VASP / CASP registration, stablecoins, DeFi

Payments & Open Banking

AIS, PIS, API compliance, e-money, agent networks

Operational Compliance

DORA, AML/CFT, KYC, FATF Travel Rule

Financial Products

BNPL, crowdfunding, leasing, online factoring

Strategic Advisory

EU market entry, regulatory architecture, M&A, VC/PE advisory

Whether you are launching a fintech product, entering the European market or managing evolving regulatory obligations, I provide practical legal guidance tailored to regulated financial and technology businesses.