MACURA | Unikalna wiedza ekspercka

Kancelaria MACURA.
ul. Odyńca 7/13
02-606 Warszawa

T: (+48) 696-011-713
M: monika.macura@kancelariamacura.pl

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Michał Barwicki


Attorney at Law. He combines his legal education with his passion for IT and programming, specializing in banking and payment services law, IT law and new technologies law.


He is experienced in providing comprehensive services to FinTech and new technology entities. In his daily work, he participates in providing legal services to a group of companies in the payment and banking services industry with global coverage and reputation.

He makes a claims and conducts proceeding before the Financial Supervision Commission (KNF) for the issuance of authorizations, permitions to provide payment services and inspection proceedings. Provides services to payment institutions, clearing agents, credit card issuers, providers of access to payment account information. He grants legal opinions on the implementation of new payment services and develops internal documentation and ensures timely-based reporting to supervisory authorities. .

He has extensive expertise in new technologies (especially blockchain technology ), cloud storage and artificial intelligence. He advises on the legal aspects of using these tools in the activities of entrepreneurs.

Conducts trainings for financial institutions on the application of DORA regulations. Actively participates in the work of the AI Working Group (GRAI) at the Ministry of Digitization. He appears as a speaker at conferences and industry events.


2023 – Individual distinction in the Ranking of Recommendations of Law Firms of the daily newspaper Rzeczpospolita 2023 – leader in the field of TMT (technology, media and telecommunications).


  • Maria Curie-Sklodowska University in Lublin – Law
  • District Chamber of Attorneys at law in Warsaw – Attorney at law
  • Kozminski University – IT/AI Law School
  • Kozminski University – Business.AI: managing artificial intelligence projects
Awards and honors

My Publications

PSD3 – a new approach to payment services in the European Union
PSD3 – a new approach to payment services in the European Union

On June 28th 2023 The European Commission has published a package of changes to the rules governing the payment services sector, consisting of the revision of the Payment Services Directive and the implementation of PSD3, as well as the adoption of a new Payment Services Regulation (PSR). These pieces of legislation are intended to enable the development […]

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The crypto industry in the light of the proposed amendments to the EBA guidelines
The crypto industry in the light of the proposed amendments to the EBA guidelines

The purpose of conducting the so-called risk assessment of an obliged institution, as defined in the AML and Terrorist Financing Law (AML Law), is for obliged institutions to understand how high the risks of money laundering and terrorist financing they are exposed to. With a properly conducted risk assessment, obliged institutions have a real chance to effectively prevent the diagnosed risks. This is particularly relevant for obliged institutions working with entities providing services from the cryptocurrency industry.

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