Filip & Company

By Sandra Danciu (associate), with the review of Camelia Ianțuc (Counsel), Filip & Company Automated lending is often presented as a story of efficiency — faster approvals, better customer experience, and scalable growth. Under the Consumer Credit Directive II (Directive (EU) 2023/2225) ( “CCD II”), however, the real question is no longer how quickly credit can be granted, but whether each decision can be justified as prudent, evidence-based, and legally defensible. In that sense, CCD II...

By Bianca Nedelcu (associate) and Sandra Danciu (associate), with the review of Camelia Iantuc (senior associate) - Filip & Company In the context of the accelerated transformation of the credit granting process and increasing consumer demand for fast and easily accessible financial services, financial institutions in Romania are adopting new technological solutions: from remote customer identification to fully digital conclusion of credit agreements. However, with speed comes complexity....

By Camelia Iantuc & Sandra Danciu, Filip & Company Romania is rapidly emerging as a hub for InsurTech innovation, with startups transforming the insurance landscape through smart contracts, parametric policies, and decentralized oracles. These innovations promise faster claims, lower operational costs, and more transparent risk management; however, success requires more than technology alone. Founders and investors must also navigate the legal and regulatory frameworks to scale effectively...