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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Monika Macura

partner, attorney-at-law

Partner, attorney-at-law. Expert in the FinTech sector. She has been providing comprehensive legal services to lending institutions, payment institutions, as well as banks for 10 years.


She provides legal services for the execution of complex banking and payment products in Polish and international institutions. She has introduced financial institutions to the Polish market, advising on the incorporation of the institutions’ structures and on the development of product offer using new technologies and mobile applications.

Provides opinions for financial institutions’ executions of new payment and loan services and products, as well as legal solutions in the areas of customer service and personal data processing. Provides comprehensive services to a group of payment and banking companies with a global reach and reputation.

Represents payment institutions in proceedings before the Polish Financial Supervision Authority (KNF) on granting permittions, licenses to provide payment services and before administrative authorities – the Office of Competition and Consumer Protection (UOKiK), the Office of Personal Data Protection (UODO), the Financial Supervision Authority (KNF).

She conducts trainings for financial institutions on the application of RODO and financial security measures, regulations. As a member of the Polish Association of Loan Institutions, she actively participates in the development of the FinTech industry. She was a member of the working team for the development of financial innovation (FinTech) in Poland at the Office of the KNF. She participates in providing opinions on legislative activities relevant to the trading subject of the lending institutions and payment institutions (among others, laws regulating the activities of lending institutions, implementation of PSD 2, implementation of RODO).

She is a respected speaker at conferences and industry events.


2023 – Individual recommendation in Chambers FinTech Legal Poland ranking (Band 4).
2023 – Individual distinction in the Ranking of Recommendations of Law Firms of the daily newspaper Rzeczpospolita 2023 in the field of banking and financial law.
2023 – Recommendation in the list of “50 male and female lawyers worth following on LinkedIn,” by Tomczak | Stanislawski.
2021 – Awarded to the Lendtech Foundation for its substantive contribution, innovation and commitment made to the development of the LendTech ecosystem in Poland.
2021 – Distinction in Loan Magazine’s “TOP50 Managers of Loan Market in Poland” ranking for managers with the greatest impact on the development of the loan business in Poland.


  • Jagiellonian University in Krakow – Law
  • Tilburg University in the Netherlands – Law – scholarship
  • Regional Chamber of Attorney’s at Law in Krakow – Attorney at Law
  • Jagiellonian University in Krakow – Postgraduate studies in the field of banking law
  • Kozminski University – Postgraduate studies Law of New technologies
  • Rzeczpospolita and the Polish Association of Corporate Lawyers – Executive Legal MBA
Awards and honors

My Publications

Changes in the payment services act from september 29, 2023
Changes in the payment services act from september 29, 2023

Soon, the Act amending certain laws in connection with ensuring the development of the financial market and the protection of investors in this market, commonly referred to as “Warzywniak” will come into effect. On August 29, 2023, the Act was published in the Journal of Laws and will become effective on September 29, 2023. The […]

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Blockchain in business
Blockchain in business

Academic studies on aspects of blockchain technology often use complicated technical phrases such as – to name the most important ones – distributed network, decentralized network, DLT (distributed ledger technology), consensus algorithm, PoW (proof of work) or PoS (proof of stake). For this reason, it often remains a complicated, even incomprehensible part of the world of new technologies. In this article I will try to answer the question in an accessible way – what is blockchain?

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