Disruptive innovation in financial services


Fintech is the expression of a new technological economy, shared and connected, in which entrepreneurs, investors, governments and regulators, not to mention incumbent financial institutions and asset managers play a central role.

Given that Innovation is at the heart of our core values, we leveraged our history and experience as leaders in banking & finance and technology matters to set up a Fintech team and provide a comprehensive and integrated response to its diverse expressions and facets.

Due to the complexity of the Fintech industry, our multidisciplinary team also includes experts in cybersecurity, privacy and tax law.

Areas of work

  • mobile payments
  • e-banking
  • crowdfunding
  • money transfers
  • digital money
  • cloud computing
  • big data
  • the internet of things
  • block-chain technology
  • crowdfunding
  • peer-to-peer lending, among others

Track record

  • ongoing legal assistance to the main banking market operators as to the implementation of legislation on payment services and the PSD2 directive
  • drafted legislation and regulations for online and mobile banking, e-commerce, long-distance hiring, consumer protection and privacy sectors in Portugal
  • regulatory monitoring of authorization processes for the issue of digital currency
  • participated in the public consultation processes over banking, e-commerce, security and cybercrime legislation
  • provided legal advice on the definition and implementation of business models and partnerships between technology providers, acquirers, subcontractors and other market operators
  • drafted and negotiated standard contractual clauses on the provision of payment services and the negotiation of acquiring contracts
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