Digital Finance & FinTech
We provide legal and compliance support for FinTech-driven financial services across payments, digital lending, digital signatures, smart contracts, automated corporate actions, investment services technologies, and blockchain and distributed-ledger-based financial services, including crypto-assets and structured financial products transforming asset management.
We enable innovative financial models to operate within established regulatory frameworks securely and at scale.
FinTech
Building on a deep understanding of real-industry needs, we advise on the legal and regulatory aspects of blockchain and tokenization of assets, digital securities and DLT-based issuance models, regulatory classification and perimeter analysis, regulatory sandboxes participation, listing, trading and custody of digital securities as well as licensing, governance and ongoing compliance obligations.
RegTech
We advise on the lawful deployment of RegTech solutions supporting regulatory compliance, risk management and supervisory reporting. Our support focuses on ensuring that technology-enabled compliance tools meet regulatory expectations regarding robustness, auditability, data protection and operational resilience, and are aligned with applicable outsourcing and governance requirements.
InsurTech
We advise InsurTech companies and insurance groups on technology-enabled insurance models, including digital distribution, automated underwriting, and data driven insurance operations. Our support focuses on regulatory structuring, product and conduct compliance, and the integration of technology within insurance operations in line with applicable supervisory frameworks.
Core Areas of Expertise include
European Union Legislation – Banking, Finance and Insurance
Directly applicable EU Regulations and transposed EU Directives, including MiFID II, MiFIR, MAR, Prospectus Regulation, Transparency Directive, UCITS, AIFMD, EMIR, SFDR, IDD, GDPR, Solvency II and the Capital Requirements framework (CRD/CRR), as well as relevant EBA, ESMA and EIOPA guidelines.
FinTech, RegTech & Digital Finance Regulation
EU digital finance and technology-related regulatory frameworks applicable across banking, financial services, and insurance, including MiCA, PSD II / PSD III, E-Money Directive, DORA, the EU AI Act, the Crowdfunding Regulation, eIDAS, the EU Consumer Credit and Digital Lending and Distance Marketing of Financial Services (DMFSD II) regime.
Financial Crime & Anti-Money Laundering
EU and national AML/CTF frameworks, including the EU AML Package, AML Authority (AMLA), customer due diligence, transaction monitoring, governance, and reporting obligations, applicable across financial institutions, FinTechs, RegTech providers and InsurTech operators.
National Legislation – Banking, Finance and Insurance
Greek laws, regulations, and supervisory guidelines governing banking, financial services, insurance, capital markets, and investment services, including national transposition measures and regulatory practice.