Filip & Company

Filip & Company is one of the pioneering law firms in Romania in advising on fintech and emerging technologies. Since 2017 – and even earlier on matters such as KYC, electronic signatures, and technology-driven transactions – our specialised fintech team has been at the forefront of the market, supporting clients in an area where very few Romanian firms had developed genuine expertise. Today, our practice is recognised for its commercial mindset, creativity, and hands-on, solution-oriented approach to increasingly complex regulatory and transactional challenges.

Our team brings together some of the most reputable practitioners in the Romanian legal market and a new generation of forward-thinking lawyers who contribute both legal rigour and strong technological understanding. This blend allows us to handle sophisticated and demanding mandates that require not just regulatory knowledge, but the ability to navigate innovation, data, cybersecurity, and competition considerations. Working seamlessly with colleagues across banking & finance, corporate/M&A, IP/IT, competition, data protection, tax, and disputes, we provide a fully integrated service covering the entire lifecycle of fintech operations.

Market position & recognition

Filip & Company is widely regarded as a leading name in the Romanian new tech ecosystem. Our lawyers are frequently invited as speakers at major industry events and conferences, including the Future Banking annual conference, international fintech forums, and sector-specific workshops. We regularly publish insights on financial regulation, digital transformation, and emerging regulatory trends, and we are recognised by peers and market players as active contributors to discussions shaping the development of fintech and digital banking in Romania.

We advise both fintech innovators and established financial institutions on complex regulatory aspects. Our team has extensive expertise in fintech structuring and in guiding companies through the authorisation process for becoming account information service providers or electronic money institutions — areas in which only a handful of Romanian firms have significant experience. We also support global fintech players as they expand their operations into the Romanian market, helping them navigate local regulatory frameworks, licensing requirements, AML/KYC compliance, and cross-border product rollout.

Representative expertise & achievements

Our practice has a strong and diverse track record that includes advisory work, regulatory strategy, product structuring, market entry and testing, transactional mandates, and ongoing compliance. A summary of our recent mandates includes:

• • Advising on the full spectrum of regulatory matters related to digital products, e-money instruments, and payment services, including PSD2-related issues, outsourcing, cloud arrangements, AML/KYC frameworks, and consumer protection.
  • Assisting numerous international fintech companies in entering the Romanian market and adapting their products to local regulatory and operational requirements.
  • Helping new players design and structure innovative financial products, ensuring alignment with applicable regulations while enabling flexibility and commercial scalability.
  • Supporting established financial institutions in redesigning their digital offerings and aligning legacy systems with emerging regulatory and technological trends.
  • Being involved in some of the largest acquisitions, joint ventures, and strategic collaborations in the Romanian fintech sector, providing both transactional and regulatory support.
  • Delivering presentations, workshops, and training sessions for clients in the financial services and technology sectors, including on the EU Digital Finance Package, AI-driven financial services, and upcoming regulatory developments.

Outlook

As fintech continues to transform the financial services landscape in Romania, Filip & Company remains deeply committed to supporting both established and emerging players. Our practice continues to grow in the scale, complexity, and diversity of the matters we advise on. By combining regulatory strength, technological insight, and a commercial mindset, we help clients build resilient and future-proof financial solutions.