Our Senior Associate writes on digital banking — a trend reshaping financial services across the Netherlands and the EU.
Digital banking is reshaping how financial services are designed, licensed and delivered to consumers and SMEs across the Netherlands and the wider EU.
Under the supervision of De Nederlandsche Bank (DNB) and the AFM, and within the EU framework of PSD2 and the forthcoming digital-finance rules, incumbents and new entrants must navigate questions of capital, technology risk, data protection and consumer trust. The opportunity is significant — but so is the regulatory groundwork required to get there.
Our team advises fintech founders, banks and investors on the legal architecture behind these new financial products, from licensing strategy to commercial contracts and intellectual-property protection.