The FinTech Lawyers Network is
an international network of dedicated and highly specialized FinTech lawyers capable of handling sophisticated cross-border mandates.
We are here to help you.
Who we are.

Founded in 2016 at Money20/20 in Copenhagen, the FinTech Lawyers Network unifies the very best experts in various European jurisdictions. We advise market players in all stages, from early-stage start-ups to well established financial institutions.

The network enables us to effectively and frictionlessly assist our clients on cross-border mandates. We combine our regulatory expertise with deep and broad experience in both the financial and the technology sector.

Our expertise covers a wide array of FinTech related matters such as Open banking / Alternative finance / Payments / FinTech contracting / Crypto and blockchain / License applications / AML CFT / M&A / Outsourcing.

Why us.
The network’s members are  known for a deep understanding of the client’s needs far beyond legal issues.
Why a specialised lawyer?
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Why work with us?
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How does it work?
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Where we are.
The network’s members are  all over Europe. There's always somebody close to your office.
01
Austria


Bernd Fletzberger
PFR Attorneys-at-law

“He is fast and excellent in his field, he brings issues to the point and always works out practical solutions with us.”

(Chambers Banking & Finance, 2023)

Bernd is a partner of PFR Attorneys-at-law, a corporate law firm seated in Vienna. He advises domestic and international financial institutions, in particular with regard to payment, e-money and banking services. He also assists fintechs and tech companies providing services to financial institutions. His advice focuses on payment services & payment services supervisory law, banking & banking supervisory law, AML/CFT, outsourcing, capital markets and insurance law.
 
Bernd Fletzberger is member of the editorial board of the Journal for Financial Market Law, author of numerous articles and legal commentaries. He regularly gives lectures regarding supervisory law.
 
In 2023, he has repeatedly been ranked in Chambers Europe in the category 'Banking & Finance: Regulatory'. He is also ranked in LEGAL500 in the category 'Banking and Finance'.

02
Belgium


Edwin Jacobs
Timelex

“Whether it's PSD2, AML or matters of financial risk, Edwin covers everything.”

(Chambers FinTech edition)

Edwin has a 25 years track record as a business lawyer, including several years in-house experience. 

He advises on any type of commercial agreement, negotiation or dispute with an IT, IP, data protection, digital finance or new technology twist.

His expertise also covers FinTech related matters such as mobile wallets, virtual currency and crypto, contracts, outsourcing (hardware, software, services), complex dispute resolution, (court, mediation, arbitration), electronic money, payment services (PSD), service level agreements, helping clients to obtain a payment licence from the regulator etc.


Charlotte De Thaye
Timelex

“Charlotte De Thaye works fast and is very responsive.”

(The Legal 500 2021 testimonies: EU Regulatory: Financial Services)

Charlotte has gained outstanding experience in digital finance, financial (regulatory) law and data protection law, the latter both in general as well as regarding its interaction with the provision of banking and/or financial services and innovative technologies.

Charlotte is consistently involved in payment and e-money services regulation and anti-money laundering legislation, including by advising payment service providers and other financial players on a wide range of regulatory and compliance issues. She also assisted in various license application files vis-à-vis the Belgian regulator for several candidate-payment and e-money institutions and account information service providers. She was closely engaged in the entire set-up and launch – from beginning to end – of the first next generation challenger bank in Belgium, partly on the spot as a legal secondee.

She furthermore developed (and continues to develop) her understanding of digitalisation by assisting IT and electronic service providers.  

03
Czech Republic


Jan Topinka
Havel

"Jan is a very good expert who knows the field and regulations well and has good contacts."

Jan Topinka leads the banking, financial services and capital markets group. He focuses on regulation of financial services as well as transactions in capital markets.

He is active in particular in the field of implementing regulations in the financial market, licensing procedures at the Czech National Bank, in FinTech projects and cypital markets trading.

He is an active member of the Tax and Legal Committee of the Czech Venture Capital Association (CVCA) and a member of the Czech National Bank’s Appellate Committee (advisory body to the Bank Board in administrative proceedings).

Before joining our law firm, Jan worked for five years in various positions at the Czech Securities Commission (a body previously supervising the capital market, now performed by the Czech National Bank), as a unit head where he has e.g. co-authored policy and methodological documents on financial market regulation.


Robert Nešpůrek
Havel

"He is very good and has long-term experience."

Robert Nešpůrek is one of the founding partners of our law firm and currently manages the firm’s Commercial, IP & TMT practice group.

Throughout his professional career in law, Robert has specialized, among others, in contract law, information technology law, intellectual property law, and personal data protection. In the area of information technology, he advises clients on software law, IT delivery and implementation projects, IT outsourcing and resolution of disputes arising from complex IT projects.

In intellectual property law, in addition to trademarks, designs, know-how protection, copyright and unfair competition, Robert also deals with, for example, market entry issues, international IP strategies, and commercialization of IP.

He has had a long-term interest in personal data protection and has led a large number of GDPR implementation projects. He is also responsible for providing the outsourcing of Data Protection Officer services. Transactions has always been a significant part of his practice, and particularly transactions with a strong technology or IP rights transfer elements and he has advised strategic investors, investment funds and selling owners on numerous M&A deals involving tech companies or start-ups.

Robert also frequently advises on complex commercial contracts and out-of-court settlement of disputes arising out of such relationships, and has also represented clients in arbitrations in the Czech Republic and abroad.

04
Denmark


Lars Lüneborg
Horten

“Whenever we reach out, he's very attentive; he gives to-the-point answers, which is typically what we like, and is very helpful.
He understands what we are trying to do and provides advice fit for that purpose.”

(Chambers, 2022)

Lars provides advice across a comprehensive range of banking and financing areas, including licensing requirements, financial regulatory issues comprised by the PSD II, MiFID II, CRD IV and anti-money laundering regulation. Lars has a continuous focus on meeting all potential legal needs that a FinTech company may have in the various stages of growing its business.

He acts for financial institutions and for both start-ups, scale-ups and mature companies. Lars heads the Fintech team at Horten, which offers expert capabilities across all practice areas related to FinTech and has particularly pronounced capability within financial regulation, corporate law & M&A, venture capital, IP rights, IT & tech, contracting, outsourcing, AML & CFT, consumer credit law, data protection law, employment law, tax law and litigation.

Horten has advised numerous FinTech companies and is one of the leading legal advisers in the Danish FinTech market, ranked in Band 1 by Chambers and Partners.

05
Finland


Hanna-Mari Manninen
Ditmar & Indrenius

"What she does is a lot of the regulatory side of FinTech, and that is what she is focused on and renowned for."

(Chambers FinTech Legal 2023)

Hanna-Mari Manninen is a Partner at Dittmar & Indrenius, and Head of the firm's Corporate Advisory, Compliance and Sustainability practice group. She has extensive experience in financing, with in-depth knowledge of payment services regulation.

Hanna-Mari is highly regarded for her performance in the fintech sector and her expertise in financial services, compliance andcorporate governance. Chambers has ranked Hanna-Mari in Band 1 for fintech in Finland in Chambers Fintech Legal 2023.


Kristian Karlsson
Ditmar & Indrenius

“It is great working with Kristian. He takes the initiative and often comes up with suggestions on how different issues should be tackled.”

(Chambers FinTech Legal 2023)

Kristian Karlsson is a Partner at Dittmar & Indrenius. He is known for advising clients on matters relating to securities law and financial regulation with a particular emphasis on Fintech, investment funds and investment services.

He also represents borrowers and lenders in connection with financing transactions. Chambers has ranked Kristian in Band 2 for fintech in Finland in Chambers FinTech Legal 2023.

06
France


Benjamin May
Aramis

“Superb on all fronts.
Very commercial and
client-focused.”

(Chambers FinTech edition)

Over the past 15 years, Benjamin established a cutting-edge expertise in financial services and is amongst the leading FinTech lawyers in France.Benjamin assists clients for licenses applications, AML and privacy compliance – including investigations from regulators -, sponsor & tech agreements.

Benjamin and his team also have a specific expertise in public affairs at French and EU levels; and also provides tax advice and public procurement for fintech projects.


Anne-Hélène Le Trocquer
Aramis

Anne-Hélène Le Trocquer is responsible for the Corporate/M&A practice of Aramis. Her professional practice mainly covers M&A, strategic alliances, fundraising (venture/growth capital, ICO) and restructuring.

She also deals with all types of French Company law issues.
Furthermore, Anne-Hélène has developed an industry-specific expertise in the field of strategic disruptive technologies such as artificial intelligence and blockchain/DLT and her sectoral expertise covers in particular financial services, asset management, IT & SaaS services, retail and mobility.

07
Germany


Frank Muller
Annerton

“Clients turn to him for trusted counsel in the areas of payment and distributed ledger technology. Sources note his "hands-on and client-friendly.”

(Chambers FinTech edition)

Frank Müller, LL.M., is a FinTech lawyer, founder and managing director at Annerton and a founding member of the FinTech Lawyers Network. Frank is advising startups, SMEs, and big corporates dealing on the financial technologies sector on all banking, regulatory, payment, anti-money-laundering law, and blockchain & DLT related matters.

He is a FinTech enthusiast, ambitious, highly specialized and best-connected inter alia to regulatory authorities and leaders in the banking and FinTech industry. Frank is known for a deep understanding of the client’s need far beyond legal issues, such as both the market development, the product itself and connecting people and companies.

Furthermore, Frank is founder of the blog Payment. Technology. Law. and host of the podcast PayTechTalk.


08
Greece


Eleni Tsoukala
Tsoukala & Partners Law Firm

“Very well-connected in Greece with the authorities and market players alike” 

(The Legal 500, Greece - TMT) 

Eleni is Managing Partner at Tsoukala & Partners, one of the leading law firms in Greece consistently recommended by The Legal 500 inter alia for its TMT and FinTech practice. Eleni is also consistently listed in The Legal 500’s elite Hall of Fame, which recognizes her TMT and FinTech work in Greece. 
She advises major domestic and multinational players on the full spectrum of FinTech and technology laws, including regulatory and transactional matters, licensing of FinTech and financial services providers, online and digital banking services, digital investment services, payment and e-money services and licensing thereof, software IP rights, cloud computing, privacy matters and the GPDR, internet security, all types of SaaS agreements and on e-commerce and AML laws.

Eleni is dual qualified (a Greek qualified Attorney and a Solicitor in England & Wales) and holds a Law Degree from the University of Oxford and an LLM from University College London.


Ioanna Moumtzoglou
Tsoukala & Partners Law Firm

“Thorough and analytical skills”

(The Legal 500, Greece - TMT) 

Ioanna is Managing Associate at Tsoukala & Partners, one of the leading full-service law firms in Greece consistently recommended by The Legal 500 inter alia for its TMT (Technology, Media and Telecommunications) and FinTech practice.

She advises leading local and multinational companies across a broad array of matters, including the licensing of FinTech and financial services providers, regulatory reporting requirements, advertising and marketing compliance, cloud computing, internet security, payment and e-money services and licensing thereof, e-commerce, AML laws and regulations, the GDPR, cross-border data transfers and on data protection compliance in general.

Ioanna is dual qualified (a Greek qualified Attorney and a Solicitor in England & Wales n.p.) and holds a Law Degree from Université Panthéon-Assas Paris II and a Master’s Degree (LLM) from Université Paul Cézanne Aix-Marseille III.

09
Italy


Fabrizio Colonna
BonelliErede

Fabrizio Colonna is enrolled at Milan’s Bar Association.He started his career in Rome and then pursued it at primary international law firms’ offices in UK, France and Milan, then as head of legal and compliance dept. in international and national primary banks in Milan.

Over the last decade, he has been partner in independent law-firms in Milan and mainly assisted foreign and Italian financial institutions. He recently joined BonelliErede as Of Counsel.

He assists domestic and international clients - as well as Italian supervisory bodies (Bank of Italy, IVASS, MISE) which have appointed him as commissioner in extraordinary procedures (liquidations) - in financial and insurance services sector with a focus on Fintech and REITs.
He speaks Italian, French, and English.


Alberto Di Bonaventura
BonelliErede

Alberto is an expert in FinTech and banking regulatory procedures, with a deep focus towards the payments industry. He advises clients on regulatory tasks from the set-up, to development, to the launch of products, having regard to compliance issues both locally and on the European level. He assists EMIs an PIs in operations involving payment services, anti-money laundering and consumer financing on a wide range of regulatory and compliance issues. 

He also has experience on a cross-border basis in agreements, extraordinary operations and assistance regarding day-by-day corporate activities, also with reference to transactions involving supervisory authorities.

Alberto is amember of the financial regulatory department of BonelliErede.

10
Luxemburg


Charles Krier
Annerton

Charles Krier is a founding partner of Annerton in Luxembourg where he advises financial institutions of all sizes on financial, regulatory, and corporate law matters.

His longstanding expertise covers FinTech relevant areas such as payment/e-money services, AML/CFT, outsourcing, banking & finance, distributed ledger technologies as well as M&A and restructuring.

Charles has been formerly working in the innovation, payment, market infrastructure and governance department of the Luxembourg regulator of the financial sector. He is a member of the Association Luxembourgeoise des Juristes de Droit Bancaire (ALJB) and is a regular contributor to the blog Payment. Technology. Law. 

11
Netherlands


Joris van Horzen
Kennedy Van der Laan

“Joris has a very straightforward style of communication, is an expert in his field and is a pleasure to work with.”

(Chambers FinTech 2021)

Joris’ expertise covers FinTech related matters with a focus on online payments. He truly understands the payments value chain and the underlying technology. As such, he advises online platforms, payment gateways, processors, issuers and other stakeholders on a wide range of regulatory and compliance issues.

He also has extensive experience in representing lenders and corporate borrowers on a wide range of (cross-border) finance transactions. As a lawyer, Joris has the benefit of spending various secondments at ABN Amro and The Royal Bank of Scotland.


Emanuel van Praag
Kennedy Van der Laan

“Emanuel is valued by his clients for his unique combination of his practical experience in the financial industry combined with a strong academic background.”

Emanuel worked for 4 years as an inhouse lawyer in the investment services industry, including a stint as Head of Regulatory Compliance of a FinTech roboadvisor. He therefore knows how external lawyers add value to the business and always provides advice that is to the point and practical. 

He is also professor of Financial Technology and Law at Erasmus University Rotterdam, focusing on Payments, Big Data and Open Finance. As such he sits in the Expert Group on the European Financial Data Space advising the European Commission on Open Finance and is an editor of the Dutch financial law journal. He wrote books on PSD2 and Open Banking and on cross border financial services.

Key areas of expertise are payments (including PSD2), open finance and investment services (including MiFID, AIFMd and MiCA). Emanuel is highly experienced in license applications.

12
Poland


Krzysztof Wojdyło
Wardyński & Partners

“Krzysztof Wojdyło is pretty amazing - he has a general easy-going attitude, and amazing expertise in the field.”

(Chambers FinTech 2023)

He handles matters involving blockchain, payment services, data protection, anti money laundering and consumer finance.
He takes part in major projects relating to new technologies law and regularly advises startups as well as large companies from the new FinTech sector.

He is the author or co-author of publications on crowdfunding, cryptoassets, and new technologies in the financial services sector. He has often spoken at conferences and seminars, including events organised by the International Bar Association. He is the coordinator of the Blockchain Lab in the Coalition for Polish Innovations.


Daniel Smarduch
Wardyński & Partners

He advises clients on variety of financing transactions, including project finance, financing of corporate acquisitions, real estate acquisitions and development projects, as well as alternative financing methods including securitisation, cash-pooling, factoring transactions and receivables financing, P2P financing and various types of financing offered by FinTech.

His regulatory focus is on operations of banks and non-banking lenders, payments institutions and receivables management and servicing sector. He has practical experience advising lenders, arrangers, servicers and investors. He also has litigation experience in disputes involving financial institutions.

13
Serbia


Katarina Gudurić
Karanovic & Partners

“Katarina Gudurić displays high levels of professionalism and specific legal knowledge of transactions.”

(Legal 500, Serbia, Banking & Finance, 2023)

Katarina is a Partner and co-heads the Banking & Finance Practice Group.  She advises clients on all aspects of banking and finance law and in particular her expertise lies in project finance, restructuring and refinancing as well as digital assets, securities and financial derivatives trading.

She has advised clients in many major infrastructure transactions in Serbia and has extensive experience in transactions involving international banks and leading financial institutions, advising both lenders and the borrowers in a wide range of industries. She also specializes in the areas of payment services, crowdfunding, insurance business, FX and NPL transactions.


Maja Jovančević Šetka
Karanovic & Partners

“Her extensive understanding and knowledge of banking and finance law go above and beyond, while her dedicated approach to finding solutions is exceptional in minimising any potential risks.”

Maja is a Partner and co-heads the Banking & Finance Practice Group. With more than 19 years of experience, Maja has advised multi- national banks, industries and trading companies, as well as government entities. She provides a full scope of legal assistance related to banking and finance matters, from large-scale financing transactions, regulatory matters and structured finance, to distressed deals.

Maja has led numerous complex financing transactions for both lenders and the borrowers in a broad range of sectors, with particular expertise in real estate and acquisition financing, project finance and sovereign debt. Maja also specialises in the area of capital market regulation. She was part of pioneering team in introducing complex business models and innovative finance products to the local markets, such as fintech-driven peer-to-peer lending platforms and other types of alternative financings.

14
Spain


José Ramon Morales

“Very experienced lawyer with deep industry knowledge.”

José Ramón Morales is a partner at Garrigues, heads the Firm’s Technology & Outsourcing sector group, and co-heads Garrigues Digital and the Garrigues FinTech Hub.

He is an expert in Expert in legal advice (corporate, regulatory and transactional aspects) in the tech and digital environment, with particular focus on the financial services.

He has advised global players, emerging companies and start ups in projects related to the financial technology and digital business, as well as to large financial institutions in technology adoption projects and in the implementation of their FinTech strategies. He has also provided support to cutting-edge innovative projects related to the adoption of blockchain-based technologies for the financial activities and capital markets.

José Ramón has been a member of the Board of Directors ofthe International Technology Law Association, and has held positions of secretary to the board of directors of a number of companies, including FinTech entities.

15
Switzerland


Ramona Wyss
Walderwyss

Ramona Wyss is a partner in the transaction team with a special focus on regulated industries and the energy sector. She advises clients on joint venture, development and outsourcing projects, acquisitions, investments and commercial contracts. As a specialist in regulatory matters, she also regularly represents clients in administrative and public procurement law proceedings.

Ramona Wyss' professional languages are German and English. She also speaks French. She is registered with the Zurich Bar Registry and is admitted to practice in all Switzerland.


Thomas Müller
Walderwyss

“Extremely responsive, highly intelligent and very practical.
One of the leaders for advice on distributed ledger technologies.”

Thomas Müller is a partner with the Banking & Finance practice in Zurich and advises banks, asset managers, fund managers, insurance companies and FinTech companies in complex regulatory matters and represents market participants before the Swiss regulatory authorities and as recognised representative before the SIX Swiss Exchange.

He has been ad vi sing and managed a large number of e-money and payment services, crypto currency and blockchain projects. In finance, he focuses on corporate debt finance, structured finance (asset based lending, securitisation, covered bond, risk transfer), leasing (in the rail and shipping industry), and note issuance programs.

Other special services include international legal assistance, white collar crime and in solvency law. Chambers Global and Chambers Europe recognize him as leading practitioner in his field of practice.
Thomas Müller holds a Band 1 ranking at Chambers in FinTech Legal Switzerland (2020).

Articles
The network’s members are  all over Europe. There's always somebody close to your office.

Keep up with the latest research and stories about Fintech legislation.
Read the articles of our network's members.
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