Dr. Michał Mostowik

Senior Counsel, attorney-at-law

Dr. Michał Mostowik

Specializes in financial services regulation and new technology law.

Advises clients on the design and implementation of innovative products in the areas of payment services and consumer finance, as well as on negotiating agreements for key business projects. Represents financial institutions in proceedings before the Polish Financial Supervision Authority (KNF), the National Bank of Poland (NBP), and the Office of Competition and Consumer Protection (UOKiK). Has supported the financial sector in the implementation of key financial market regulations, e.g. DORA, PSD2, AML, the AI Act, and GDPR. Designed solutions in the areas of customer authentication, digital identity, and biometrics. Advised on licensing proceedings, the cross-border provision of services, outsourcing, and internal audits.

Speaks at major industry conferences. Individually ranked in Chambers and Partners Fintech (2026) and the Legal 500 (TMT 2021–2022, Banking & Finance 2022–2026). Awarded the Nicolaus Copernicus Medal of the Polish Bank Association for outstanding contributions to the development of the banking sector (2024).

Experience
(12)
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Advises banks and non-bank providers in the area of payment services, including PSD2 implementation, the design of new payment services, customer authentication processes, as well as consumer protection and unauthorized transactions Provides comprehensive legal advisory on DORA implementation, including gap analysis, alignment of processes and internal documentation, renegotiation of agreements, and communication with supervisory authorities Supports financial institutions in developing AI Governance, including AI Act gap analysis, designing and adjusting processes, preparing internal documentation, and training for management and operational staff Advises in proceedings before supervisory authorities in the area of licensing and inspections, as well as in ongoing communication between supervised institutions and the KNF Participates in complex negotiations of cooperation and regulated outsourcing agreements between financial institutions, technology providers, and other enterprises
Education
(12)
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Jagiellonian University – PhD in Law – 2019 Jagiellonian University – MA in Law – 2013
Publications
(5)
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SK&S advised Polskie ePłatności on the expansion of its domestic payment institution license
The Polish Financial Supervision Authority (KNF) unanimously adopted a decision to extend the authorization of Polskie ePłatności sp. z o.o. (part of the Nexi Group) to provide payment services as a…
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