{"id":6925,"date":"2019-10-05T10:49:03","date_gmt":"2019-10-05T08:49:03","guid":{"rendered":"https:\/\/relaunch.gsk-lux.com\/?page_id=6925"},"modified":"2026-09-25T17:19:51","modified_gmt":"2026-09-25T15:19:51","slug":"financial-services","status":"publish","type":"page","link":"https:\/\/gsk-lux.com\/en\/sectors\/financial-services\/","title":{"rendered":"Financial Services"},"content":{"rendered":"<style>.kb-row-layout-id6925_9c33a4-27 > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id6925_9c33a4-27 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id6925_9c33a4-27 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:1280px;margin-left:auto;margin-right:auto;padding-top:0px;padding-bottom:0px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id6925_9c33a4-27{background-color:#f2f2f3;}.kb-row-layout-id6925_9c33a4-27 > .kt-row-layout-overlay{opacity:0.30;background:linear-gradient(180deg,  70%, #00B5E2 100%);}.kb-row-layout-id6925_9c33a4-27 ,.kb-row-layout-id6925_9c33a4-27 h1,.kb-row-layout-id6925_9c33a4-27 h2,.kb-row-layout-id6925_9c33a4-27 h3,.kb-row-layout-id6925_9c33a4-27 h4,.kb-row-layout-id6925_9c33a4-27 h5,.kb-row-layout-id6925_9c33a4-27 h6{color:#00839b;}.kb-row-layout-id6925_9c33a4-27 .kt-row-layout-bottom-sep{height:100px;}.kb-row-layout-id6925_9c33a4-27 .kt-row-layout-bottom-sep svg{width:100%;}.kb-row-layout-id6925_9c33a4-27 .kt-row-layout-bottom-sep svg{fill:#ffffff!important;}@media all and (max-width: 1024px){.kb-row-layout-id6925_9c33a4-27 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 1024px){.kb-row-layout-id6925_9c33a4-27 .kt-row-layout-bottom-sep{height:px;}}@media all and (max-width: 1024px){.kb-row-layout-id6925_9c33a4-27 .kt-row-layout-bottom-sep svg{width:%;}}@media all and (max-width: 767px){.kb-row-layout-id6925_9c33a4-27 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id6925_9c33a4-27 .kt-row-layout-bottom-sep{height:0px;}.kb-row-layout-id6925_9c33a4-27 .kt-row-layout-bottom-sep svg{width:100%;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id6925_9c33a4-27 alignnone kt-row-has-bg introcontainer wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle\">\n<style>.kadence-column6925_619e47-97 > .kt-inside-inner-col{display:flex;}.kadence-column6925_619e47-97 > .kt-inside-inner-col,.kadence-column6925_619e47-97 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_619e47-97 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_619e47-97 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-end;}.kadence-column6925_619e47-97 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column6925_619e47-97{align-self:flex-end;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column6925_619e47-97{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column6925_619e47-97 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-end;}.kadence-column6925_619e47-97 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_619e47-97{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column6925_619e47-97{align-self:flex-end;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column6925_619e47-97{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column6925_619e47-97 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-end;}}@media all and (max-width: 1024px){.kadence-column6925_619e47-97 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-end;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column6925_619e47-97{align-self:flex-end;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column6925_619e47-97{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column6925_619e47-97 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-end;}.kadence-column6925_619e47-97 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-end;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_619e47-97 inner-column-1 with-bottom-border\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"558\" height=\"500\" src=\"https:\/\/gsk-lux.com\/wp-content\/uploads\/2020\/02\/Header-Sektor-Finacial-Services-Heinzmann.jpg\" alt=\"Portrait of Andreas Heinzmann, contact lawyer for Financial Services, overlaid with a cryptocurrency-themed illustration\" class=\"wp-image-10418\" srcset=\"https:\/\/gsk-lux.com\/wp-content\/uploads\/2020\/02\/Header-Sektor-Finacial-Services-Heinzmann.jpg 558w, https:\/\/gsk-lux.com\/wp-content\/uploads\/2020\/02\/Header-Sektor-Finacial-Services-Heinzmann-300x269.jpg 300w, https:\/\/gsk-lux.com\/wp-content\/uploads\/2020\/02\/Header-Sektor-Finacial-Services-Heinzmann-240x215.jpg 240w\" sizes=\"auto, (max-width: 558px) 100vw, 558px\" \/><\/figure>\n<\/div><\/div>\n\n\n<style>.kadence-column6925_0d16cb-f8 > .kt-inside-inner-col{padding-top:20px;padding-bottom:20px;}.kadence-column6925_0d16cb-f8 > .kt-inside-inner-col,.kadence-column6925_0d16cb-f8 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_0d16cb-f8 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_0d16cb-f8 > .kt-inside-inner-col{flex-direction:column;}.kadence-column6925_0d16cb-f8 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6925_0d16cb-f8 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_0d16cb-f8{position:relative;}@media all and (max-width: 1024px){.kadence-column6925_0d16cb-f8 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6925_0d16cb-f8 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_0d16cb-f8 inner-column-2\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading6925_265367-e9, .wp-block-kadence-advancedheading.kt-adv-heading6925_265367-e9[data-kb-block=\"kb-adv-heading6925_265367-e9\"]{font-weight:normal;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading6925_265367-e9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading6925_265367-e9[data-kb-block=\"kb-adv-heading6925_265367-e9\"] mark.kt-highlight{font-weight:normal;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading6925_265367-e9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading6925_265367-e9[data-kb-block=\"kb-adv-heading6925_265367-e9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h1 class=\"kt-adv-heading6925_265367-e9 seitenkat wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6925_265367-e9\">Financial Services<\/h1>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Valuable when it comes<br>to crypto currencies.<br>Opinions you can take at<br>face value.<\/p>\n<cite><span style=\"color:#00839b\" class=\"color\">Andreas Heinzmann, Partner<\/span><\/cite><\/blockquote>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id6925_4bf910-65 > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id6925_4bf910-65 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id6925_4bf910-65 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:1280px;margin-left:auto;margin-right:auto;padding-top:0px;padding-bottom:0px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id6925_4bf910-65{background-color:#2d6eaa;}.kb-row-layout-id6925_4bf910-65 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id6925_4bf910-65 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id6925_4bf910-65 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id6925_4bf910-65 alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle\">\n<style>.kadence-column6925_de6acf-c0 > .kt-inside-inner-col{padding-top:25px;padding-right:30px;padding-bottom:25px;}.kadence-column6925_de6acf-c0 > .kt-inside-inner-col,.kadence-column6925_de6acf-c0 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_de6acf-c0 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_de6acf-c0 > .kt-inside-inner-col{flex-direction:column;}.kadence-column6925_de6acf-c0 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6925_de6acf-c0 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_de6acf-c0{position:relative;}@media all and (max-width: 1024px){.kadence-column6925_de6acf-c0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6925_de6acf-c0 > .kt-inside-inner-col{padding-right:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_de6acf-c0 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"262\" height=\"262\" src=\"https:\/\/gsk-lux.com\/wp-content\/uploads\/2019\/10\/icon_finanz_weiss.png\" alt=\"\" class=\"wp-image-5993\" srcset=\"https:\/\/gsk-lux.com\/wp-content\/uploads\/2019\/10\/icon_finanz_weiss.png 262w, https:\/\/gsk-lux.com\/wp-content\/uploads\/2019\/10\/icon_finanz_weiss-150x150.png 150w, https:\/\/gsk-lux.com\/wp-content\/uploads\/2019\/10\/icon_finanz_weiss-240x240.png 240w\" sizes=\"auto, (max-width: 262px) 100vw, 262px\" \/><\/figure>\n<\/div><\/div>\n\n\n<style>.kadence-column6925_fff941-3a > .kt-inside-inner-col{padding-top:25px;padding-right:127px;padding-bottom:25px;}.kadence-column6925_fff941-3a > .kt-inside-inner-col,.kadence-column6925_fff941-3a > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_fff941-3a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_fff941-3a > .kt-inside-inner-col{flex-direction:column;}.kadence-column6925_fff941-3a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6925_fff941-3a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_fff941-3a{position:relative;}@media all and (max-width: 1024px){.kadence-column6925_fff941-3a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6925_fff941-3a > .kt-inside-inner-col{padding-top:0px;padding-right:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_fff941-3a inner-column-2\"><div class=\"kt-inside-inner-col\">\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><span class=\"color\" style=\"color:#fff\">We are a highly innovative team, which we were able to demonstrate when successfully supporting the first fully blockchain-based securities transaction.<\/span><\/p>\n<\/blockquote>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id6925_e6d71c-cd > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id6925_e6d71c-cd > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id6925_e6d71c-cd > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:1280px;margin-left:auto;margin-right:auto;padding-top:50px;padding-right:15px;padding-bottom:50px;padding-left:15px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id6925_e6d71c-cd > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id6925_e6d71c-cd > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id6925_e6d71c-cd > .kt-row-column-wrap{padding-top:25px;padding-bottom:25px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id6925_e6d71c-cd alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column6925_8187e2-8b > .kt-inside-inner-col{padding-right:0px;padding-left:0px;}.kadence-column6925_8187e2-8b > .kt-inside-inner-col,.kadence-column6925_8187e2-8b > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_8187e2-8b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_8187e2-8b > .kt-inside-inner-col{flex-direction:column;}.kadence-column6925_8187e2-8b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6925_8187e2-8b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_8187e2-8b{position:relative;}@media all and (max-width: 1024px){.kadence-column6925_8187e2-8b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6925_8187e2-8b > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_8187e2-8b inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id6925_bb4353-5f > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id6925_bb4353-5f > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id6925_bb4353-5f > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, calc(50% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(50% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id6925_bb4353-5f > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id6925_bb4353-5f > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id6925_bb4353-5f > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id6925_bb4353-5f alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column6925_1a7d01-1f > .kt-inside-inner-col{padding-right:127px;}.kadence-column6925_1a7d01-1f > .kt-inside-inner-col,.kadence-column6925_1a7d01-1f > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_1a7d01-1f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_1a7d01-1f > .kt-inside-inner-col{flex-direction:column;}.kadence-column6925_1a7d01-1f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6925_1a7d01-1f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_1a7d01-1f{position:relative;}@media all and (max-width: 1024px){.kadence-column6925_1a7d01-1f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6925_1a7d01-1f > .kt-inside-inner-col{padding-right:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_1a7d01-1f inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading6925_b11bae-61, .wp-block-kadence-advancedheading.kt-adv-heading6925_b11bae-61[data-kb-block=\"kb-adv-heading6925_b11bae-61\"]{font-weight:normal;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading6925_b11bae-61 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading6925_b11bae-61[data-kb-block=\"kb-adv-heading6925_b11bae-61\"] mark.kt-highlight{font-weight:normal;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading6925_b11bae-61 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading6925_b11bae-61[data-kb-block=\"kb-adv-heading6925_b11bae-61\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading6925_b11bae-61 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6925_b11bae-61\"><span style=\"color:#00839b\" class=\"color\">One of the top law firms. <br>In Germany and Luxembourg. <\/span><\/h2>\n<\/div><\/div>\n\n\n<style>.kadence-column6925_f7ab30-a3 > .kt-inside-inner-col,.kadence-column6925_f7ab30-a3 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_f7ab30-a3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_f7ab30-a3 > .kt-inside-inner-col{flex-direction:column;}.kadence-column6925_f7ab30-a3 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6925_f7ab30-a3 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_f7ab30-a3{position:relative;}@media all and (max-width: 1024px){.kadence-column6925_f7ab30-a3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6925_f7ab30-a3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_f7ab30-a3 inner-column-2\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id6925_9c8cd1-8d > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id6925_9c8cd1-8d > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id6925_9c8cd1-8d > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, calc(50% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(50% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id6925_9c8cd1-8d > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id6925_9c8cd1-8d > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id6925_9c8cd1-8d > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id6925_9c8cd1-8d alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column6925_d4c4bd-9e > .kt-inside-inner-col{padding-right:127px;}.kadence-column6925_d4c4bd-9e > .kt-inside-inner-col,.kadence-column6925_d4c4bd-9e > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_d4c4bd-9e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_d4c4bd-9e > .kt-inside-inner-col{flex-direction:column;}.kadence-column6925_d4c4bd-9e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6925_d4c4bd-9e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_d4c4bd-9e{position:relative;}@media all and (max-width: 1024px){.kadence-column6925_d4c4bd-9e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6925_d4c4bd-9e > .kt-inside-inner-col{padding-right:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_d4c4bd-9e inner-column-1\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\">The financial sector is currently facing two main challenges \u2013 on the one hand, ongoing and partially fragmented regulation in an already highly regulated market environment; on the other hand, the changes brought about by increased digitalisation. The increasing use of new technologies and innovative products and services in the world of business, such as crypto tokens, biometric mobile payments and robo-advisers, has led to an increase in technology-related risks and significantly raised the risk of cybercrime, a growing threat to financial institutions. In turn, this means that further regulation is needed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At GSK Stockmann, we have extensive practical experience in the field of financial services. We also have close connections with a wide range of regulators and banking associations. As experts in areas such as legislation, we can regularly voice the concerns of those operating in the financial services markets. <\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column6925_9873e6-f3 > .kt-inside-inner-col{padding-top:0px;padding-right:127px;padding-bottom:0px;padding-left:0px;}.kadence-column6925_9873e6-f3 > .kt-inside-inner-col,.kadence-column6925_9873e6-f3 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_9873e6-f3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_9873e6-f3 > .kt-inside-inner-col{flex-direction:column;}.kadence-column6925_9873e6-f3 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6925_9873e6-f3 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_9873e6-f3{position:relative;}@media all and (max-width: 1024px){.kadence-column6925_9873e6-f3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6925_9873e6-f3 > .kt-inside-inner-col{padding-right:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_9873e6-f3 inner-column-2\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\">All this means that we are particularly well-placed to help you navigate through the regulatory \u2018tsunami\u2019. Our team is well known for its highly innovative work, as demonstrated by our role in the first blockchain-based securities transaction in Germany and Luxembourg and in the design of various innovative payment products and processes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With our financial services team, we are among the top law firms in Luxembourg and Germany, are ranked in Chambers, Legal500 and IFLR, and have been nominated \u201cJUVE Law Firm of the Year for Banking and Financial Law\u201d. Knowing the challenges of the market, our mission is to develop sophisticated solutions for you, so that you can realise the full potential of your ideas \u2013 from your perspective.<\/p>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id6925_d9ac9a-ea > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id6925_d9ac9a-ea > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id6925_d9ac9a-ea > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:1280px;margin-left:auto;margin-right:auto;padding-top:0px;padding-bottom:0px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id6925_d9ac9a-ea{background-color:#f2f2f3;}.kb-row-layout-id6925_d9ac9a-ea > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id6925_d9ac9a-ea > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id6925_d9ac9a-ea > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id6925_d9ac9a-ea alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle\">\n<style>.kadence-column6925_f44145-3e > .kt-inside-inner-col{padding-right:30px;}.kadence-column6925_f44145-3e > .kt-inside-inner-col,.kadence-column6925_f44145-3e > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_f44145-3e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_f44145-3e > .kt-inside-inner-col{flex-direction:column;}.kadence-column6925_f44145-3e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6925_f44145-3e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_f44145-3e{position:relative;}@media all and (max-width: 1024px){.kadence-column6925_f44145-3e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6925_f44145-3e > .kt-inside-inner-col{padding-right:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_f44145-3e inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"558\" height=\"400\" src=\"https:\/\/gsk-lux.com\/wp-content\/uploads\/2019\/10\/Sektor_Finanzdienstleitungen.jpg\" alt=\"\" class=\"wp-image-5261\" srcset=\"https:\/\/gsk-lux.com\/wp-content\/uploads\/2019\/10\/Sektor_Finanzdienstleitungen.jpg 558w, https:\/\/gsk-lux.com\/wp-content\/uploads\/2019\/10\/Sektor_Finanzdienstleitungen-300x215.jpg 300w, https:\/\/gsk-lux.com\/wp-content\/uploads\/2019\/10\/Sektor_Finanzdienstleitungen-240x172.jpg 240w\" sizes=\"auto, (max-width: 558px) 100vw, 558px\" \/><\/figure>\n<\/div><\/div>\n\n\n<style>.kadence-column6925_f91ecd-2e > .kt-inside-inner-col{padding-top:25px;padding-right:127px;padding-bottom:25px;}.kadence-column6925_f91ecd-2e > .kt-inside-inner-col,.kadence-column6925_f91ecd-2e > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_f91ecd-2e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_f91ecd-2e > .kt-inside-inner-col{flex-direction:column;}.kadence-column6925_f91ecd-2e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6925_f91ecd-2e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_f91ecd-2e{position:relative;}@media all and (max-width: 1024px){.kadence-column6925_f91ecd-2e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6925_f91ecd-2e > .kt-inside-inner-col{padding-top:0px;padding-right:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_f91ecd-2e inner-column-2\"><div class=\"kt-inside-inner-col\">\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><span class=\"color\" style=\"color:#00839b\">Financial service providers<br>are great with numbers.<br>They especially count on a top law firm.<\/span><\/p>\n<cite><span style=\"color:#00839b\" class=\"color\"><\/span><span style=\"color:#00839b\" class=\"color\"><\/span><\/cite><\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id6925_d7b91f-82 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id6925_d7b91f-82 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id6925_d7b91f-82 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:1280px;margin-left:auto;margin-right:auto;padding-top:50px;padding-right:15px;padding-bottom:50px;padding-left:15px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id6925_d7b91f-82{background-color:#2d6eaa;}.kb-row-layout-id6925_d7b91f-82 > .kt-row-layout-overlay{opacity:0.30;}.kb-row-layout-id6925_d7b91f-82 ,.kb-row-layout-id6925_d7b91f-82 h1,.kb-row-layout-id6925_d7b91f-82 h2,.kb-row-layout-id6925_d7b91f-82 h3,.kb-row-layout-id6925_d7b91f-82 h4,.kb-row-layout-id6925_d7b91f-82 h5,.kb-row-layout-id6925_d7b91f-82 h6{color:#fff;}@media all and (max-width: 1024px){.kb-row-layout-id6925_d7b91f-82 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id6925_d7b91f-82 > .kt-row-column-wrap{padding-top:25px;padding-bottom:25px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id6925_d7b91f-82 alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column6925_6cb2c5-ab > .kt-inside-inner-col{padding-right:95px;padding-left:95px;}.kadence-column6925_6cb2c5-ab > .kt-inside-inner-col,.kadence-column6925_6cb2c5-ab > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_6cb2c5-ab > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_6cb2c5-ab > .kt-inside-inner-col{flex-direction:column;}.kadence-column6925_6cb2c5-ab > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6925_6cb2c5-ab > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_6cb2c5-ab{position:relative;}@media all and (max-width: 1024px){.kadence-column6925_6cb2c5-ab > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6925_6cb2c5-ab > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_6cb2c5-ab inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image size-full kompetenzpfeil\"><img loading=\"lazy\" decoding=\"async\" width=\"68\" height=\"86\" src=\"https:\/\/gsk-lux.com\/wp-content\/uploads\/2019\/08\/icon_fokus.png\" alt=\"\" class=\"wp-image-203\"\/><\/figure>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading6925_83f743-01, .wp-block-kadence-advancedheading.kt-adv-heading6925_83f743-01[data-kb-block=\"kb-adv-heading6925_83f743-01\"]{font-weight:normal;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading6925_83f743-01 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading6925_83f743-01[data-kb-block=\"kb-adv-heading6925_83f743-01\"] mark.kt-highlight{font-weight:normal;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading6925_83f743-01 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading6925_83f743-01[data-kb-block=\"kb-adv-heading6925_83f743-01\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading6925_83f743-01 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6925_83f743-01\">Markets in focus<\/h2>\n\n\n<style>.kb-row-layout-id6925_7c6814-95 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id6925_7c6814-95 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id6925_7c6814-95 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, calc(50% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(50% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id6925_7c6814-95 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id6925_7c6814-95 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id6925_7c6814-95 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id6925_7c6814-95 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column6925_301f05-0a > .kt-inside-inner-col{padding-right:95px;}.kadence-column6925_301f05-0a > .kt-inside-inner-col,.kadence-column6925_301f05-0a > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_301f05-0a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_301f05-0a > .kt-inside-inner-col{flex-direction:column;}.kadence-column6925_301f05-0a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6925_301f05-0a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_301f05-0a{position:relative;}@media all and (max-width: 1024px){.kadence-column6925_301f05-0a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6925_301f05-0a > .kt-inside-inner-col{padding-right:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_301f05-0a inner-column-1\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\">If you want to make the most of every opportunity for growth across the board, top-notch legal support is crucial. Our bundled expertise in all sectors and markets is the answer.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column6925_8d38f1-fb > .kt-inside-inner-col,.kadence-column6925_8d38f1-fb > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_8d38f1-fb > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_8d38f1-fb > .kt-inside-inner-col{flex-direction:column;}.kadence-column6925_8d38f1-fb > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6925_8d38f1-fb > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_8d38f1-fb{position:relative;}@media all and (max-width: 1024px){.kadence-column6925_8d38f1-fb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6925_8d38f1-fb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_8d38f1-fb inner-column-2\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id6925_3f3f56-5b > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id6925_3f3f56-5b > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id6925_3f3f56-5b > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:1280px;margin-left:auto;margin-right:auto;padding-top:25px;padding-right:15px;padding-bottom:25px;padding-left:15px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id6925_3f3f56-5b > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id6925_3f3f56-5b > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id6925_3f3f56-5b > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id6925_3f3f56-5b alignnone gsk-kadence-acc wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column6925_a091af-0f > .kt-inside-inner-col,.kadence-column6925_a091af-0f > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_a091af-0f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_a091af-0f > .kt-inside-inner-col{flex-direction:column;}.kadence-column6925_a091af-0f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6925_a091af-0f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_a091af-0f{position:relative;}@media all and (max-width: 1024px){.kadence-column6925_a091af-0f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6925_a091af-0f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_a091af-0f inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.kt-accordion-id6925_068aec-26 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:1px;}.kt-accordion-id6925_068aec-26 .kt-accordion-panel-inner{border-top:0px solid #c8c8cd;border-right:0px solid #c8c8cd;border-bottom:1px solid #c8c8cd;border-left:0px solid #c8c8cd;background:#ffffff;padding-top:0px;padding-right:20px;padding-bottom:20px;padding-left:34px;}.kt-accordion-id6925_068aec-26 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top-color:#c8c8cd;border-top-style:solid;border-right-color:#c8c8cd;border-right-style:solid;border-bottom:1px solid #c8c8cd;border-left-color:#c8c8cd;border-left-style:solid;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:#fff;font-size:18px;line-height:24px;text-transform:uppercase;color:#253942;padding-top:16px;padding-right:10px;padding-bottom:16px;padding-left:0px;}.kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#253942;}.kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#253942;}.kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#fff;}.kt-accordion-id6925_068aec-26 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id6925_068aec-26 .kt-blocks-accordion-header:focus-visible{color:#00839b;background:#fff;border-top-color:#c8c8cd;border-top-style:solid;border-right-color:#c8c8cd;border-right-style:solid;border-bottom:1px solid #c8c8cd;border-left-color:#c8c8cd;border-left-style:solid;}.kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#00839b;}.kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#00839b;}.kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#fff;}.kt-accordion-id6925_068aec-26 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id6925_068aec-26 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:#00839b;background:#fff;border-top-color:#fff;border-top-style:solid;border-right-color:#fff;border-right-style:solid;border-bottom:1px solid #fff;border-left-color:#fff;border-left-style:solid;}.kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#00839b;}.kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#00839b;}.kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id6925_068aec-26:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#fff;}@media all and (max-width: 1024px){.kt-accordion-id6925_068aec-26 .kt-accordion-panel-inner{border-top:0px solid #c8c8cd;border-right:0px solid #c8c8cd;border-bottom:1px solid #c8c8cd;border-left:0px solid #c8c8cd;}}@media all and (max-width: 1024px){.kt-accordion-id6925_068aec-26 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top-color:#c8c8cd;border-top-style:solid;border-right-color:#c8c8cd;border-right-style:solid;border-bottom:1px solid #c8c8cd;border-left-color:#c8c8cd;border-left-style:solid;}}@media all and (max-width: 1024px){.kt-accordion-id6925_068aec-26 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id6925_068aec-26 .kt-blocks-accordion-header:focus-visible{border-top-color:#c8c8cd;border-top-style:solid;border-right-color:#c8c8cd;border-right-style:solid;border-bottom:1px solid #c8c8cd;border-left-color:#c8c8cd;border-left-style:solid;}}@media all and (max-width: 1024px){.kt-accordion-id6925_068aec-26 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id6925_068aec-26 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#fff;border-top-style:solid;border-right-color:#fff;border-right-style:solid;border-bottom:1px solid #fff;border-left-color:#fff;border-left-style:solid;}}@media all and (max-width: 767px){.kt-accordion-id6925_068aec-26 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id6925_068aec-26 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:1px;}.kt-accordion-id6925_068aec-26 .kt-accordion-panel-inner{border-top:0px solid #c8c8cd;border-right:0px solid #c8c8cd;border-bottom:1px solid #c8c8cd;border-left:0px solid #c8c8cd;}.kt-accordion-id6925_068aec-26 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top-color:#c8c8cd;border-top-style:solid;border-right-color:#c8c8cd;border-right-style:solid;border-bottom:1px solid #c8c8cd;border-left-color:#c8c8cd;border-left-style:solid;}.kt-accordion-id6925_068aec-26 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id6925_068aec-26 .kt-blocks-accordion-header:focus-visible{border-top-color:#c8c8cd;border-top-style:solid;border-right-color:#c8c8cd;border-right-style:solid;border-bottom:1px solid #c8c8cd;border-left-color:#c8c8cd;border-left-style:solid;}.kt-accordion-id6925_068aec-26 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id6925_068aec-26 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#fff;border-top-style:solid;border-right-color:#fff;border-right-style:solid;border-bottom:1px solid #fff;border-left-color:#fff;border-left-style:solid;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id6925_068aec-26 kt-accordion-has-24-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-left\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-19 kt-pane6925_cdd210-fa\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Banking and financial services business<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">In the aftermath of the financial crisis, the banking and financial services business has been exposed to a massive wave of regulation and continuing cost pressures. Since then, business models for banks and financial service providers have been adapted to ensure regulatory compliance with the new requirements, such as MiFIR\/MiFID II, PSD II, EMiR and CRR (2)\/CRD (V), and have also been subject to heavy regulatory scrutiny.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">New players such as robo-advisors, lending platforms and so-called FinTech banks, are attracting attention with their innovative products and are increasing competition in financial markets. Banks and financial service providers need to adapt to meet these challenges. Partnering with FinTechs, for example, and introducing tougher IT requirements in the area of financial regulation also offer opportunities to banks for keeping pace with the currently evolving digital environment.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Our experienced financial services team advises national and international banks and financial service providers, as well as other industry-related, non-regulated service providers. We have a sound understanding of the industry, the regulatory requirements and the economy, and regularly liaise and interact with regulators, legislators and industry bodies.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-20 kt-pane6925_9c5fb5-09\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Securities business and distribution<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Transparency, sustainability and digitisation characterise the securities business and the current sales activities of those operating in the financial markets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The financial markets directive, MiFID II, and the new requirements for sustainable finance are setting new standards. The requirements for so-called product governance, transparency with regard to compliance with environmental, social and governance (ESG) criteria, prohibition of commissions and increased requirements for cost transparency will severely impinge on the way trades are structured in the future. At the same time, digital distribution channels for the various types of securities\u2019 transactions are gaining ground. Simultaneously, the creation of a common capital markets union within the EU is opening up new investment opportunities for the real economy. New requirements for prospectuses, venture capital funds and securitisations will consciously promote investments through the EU-wide integration of capital markets and create new sources of finance, in particular for small and medium-sized enterprises.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this rapidly changing regulatory environment, we provide our clients with comprehensive advice, not only on setting up new sales and processing structures (such as platform solutions), but also on the implementation of structured product and financing solutions, for example on the issue of securities and their distribution via alternative issuing vehicles in Luxembourg and Germany.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-21 kt-pane6925_fee757-a3\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Finance<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">We provide comprehensive legal advice on all financing matters, complemented by our expertise in regulatory law. Our activities focus in particular on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Drafting and negotiating credit agreements, collateral and other finance agreements<\/li>\n\n\n\n<li>Real estate financing<\/li>\n\n\n\n<li>Acquisition financing<\/li>\n\n\n\n<li>Project finance<\/li>\n\n\n\n<li>Issuance of promissory note loans<\/li>\n\n\n\n<li>Subordinated loans<\/li>\n\n\n\n<li>Structured finance and securitisation<\/li>\n\n\n\n<li>Leasing, factoring<\/li>\n\n\n\n<li>Acquisition of loans<\/li>\n\n\n\n<li>Derivatives<\/li>\n\n\n\n<li>Restructuring<\/li>\n\n\n\n<li>Ongoing advice on credit relationships<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-22 kt-pane6925_61c8ee-d7\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Payment transactions and e-money products\u00a0<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">There is no doubt that the payment sector is currently the most dynamic and innovative segment in the financial world, while at the same time presenting major challenges to traditional business models. Traditional payment methods are under attack from mobile payment concepts and new payment methods and means. The biggest buzzwords right now are biometrics, Consumer Device Cardholder Verification Method and Bitcoin Payments. Non-industry players are putting the established players under increasing pressure. Digital ledger technologies such as blockchain are promoting the emergence of new, decentralised structures. In addition, a number of the standard setters are intervening massively in existing business models. The significant capping of the revenues of card-issuing institutions by the interchange fee regulation, the obligation to open up the technical customer-bank interface for so-called third-party payment service providers, and, most importantly, the requirements for strong customer authentication under the second Payment Services Directive are just three such examples. All this makes payment transactions and e-money products one of the most exciting and innovative fields in the financial sector today.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike any other law firm, GSK Stockmann advises every type of company active in payment transactions: From banks, payment institutions and e-money institutions to FinTechs, associations and payment factories, etc.. We provide advice to such companies in European payment transaction law, including EU regulations, civil law, payment transaction agreements, electronic payment transactions, and cryptocurrencies, etc.&nbsp;<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-23 kt-pane6925_1b539c-42\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">FinTech, InsurTech and digitisation<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Young companies with innovative, technology-based business models \u2013 the so called FinTechs or InsurTechs&nbsp; \u2013 are now firmly established in the financial market and insurance sector. Their business model is particularly characterised by an ability to provide specialised financial services tailored to specific customer groups or niches through innovative, technology-driven processes. The focus is currently on products that are as customer-friendly, efficient and convenient as possible.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We see it as our task to bring this goal in line with the high regulatory standards that typically apply here. The special features of the various business models, which need to be taken into account when advising clients, play a central role. So too does coping with the complexity that arises, on the one hand, from the interaction of the various legal areas affected and the high level of regulation in these areas, and, on the other hand, from the interdisciplinary cooperation between IT developers, finance experts, and ourselves as legal advisers. Thanks to our extensive experience, we can handle these complex scenarios in a secure and cost-effective manner for our clients. We thrive on the exciting challenges that the very dynamic development of this market segment brings with it.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-24 kt-pane6925_3a692e-08\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Insurance<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">In the current low-interest environment, insurance companies are faced with the dual challenge of seeking out suitable, transparent capital investments for the investment of insurance assets and being able to provide attractive insurance products for their customers. As regulated market participants, they are also subject to increasingly stringent requirements. In the case of investments, this involves conforming to the provisions of Solvency II and, in instances where they offer their own products, complying with the increasing transparency and governance requirements of the Insurance Distribution Directive similar to MiFID II, and thus on the requirements of securities distribution.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Together with our wide-ranging expertise in investment funds law we provide insurance companies and insurance sales companies with comprehensive advice on all investment and sales issues as well as regulatory governance.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id6925_7a3e79-1f > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id6925_7a3e79-1f > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id6925_7a3e79-1f > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:1280px;margin-left:auto;margin-right:auto;padding-top:50px;padding-right:15px;padding-bottom:50px;padding-left:15px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id6925_7a3e79-1f{background-color:#2d6eaa;}.kb-row-layout-id6925_7a3e79-1f > .kt-row-layout-overlay{opacity:0.30;}.kb-row-layout-id6925_7a3e79-1f ,.kb-row-layout-id6925_7a3e79-1f h1,.kb-row-layout-id6925_7a3e79-1f h2,.kb-row-layout-id6925_7a3e79-1f h3,.kb-row-layout-id6925_7a3e79-1f h4,.kb-row-layout-id6925_7a3e79-1f h5,.kb-row-layout-id6925_7a3e79-1f h6{color:#fff;}@media all and (max-width: 1024px){.kb-row-layout-id6925_7a3e79-1f > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id6925_7a3e79-1f > .kt-row-column-wrap{padding-top:25px;padding-bottom:25px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id6925_7a3e79-1f alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column6925_978ca0-80 > .kt-inside-inner-col{padding-right:95px;padding-left:95px;}.kadence-column6925_978ca0-80 > .kt-inside-inner-col,.kadence-column6925_978ca0-80 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_978ca0-80 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_978ca0-80 > .kt-inside-inner-col{flex-direction:column;}.kadence-column6925_978ca0-80 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6925_978ca0-80 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_978ca0-80{position:relative;}@media all and (max-width: 1024px){.kadence-column6925_978ca0-80 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6925_978ca0-80 > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_978ca0-80 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image size-full kompetenzpfeil\"><img loading=\"lazy\" decoding=\"async\" width=\"68\" height=\"86\" src=\"https:\/\/gsk-lux.com\/wp-content\/uploads\/2019\/08\/icon_fokus.png\" alt=\"\" class=\"wp-image-203\"\/><\/figure>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading6925_e04c01-df, .wp-block-kadence-advancedheading.kt-adv-heading6925_e04c01-df[data-kb-block=\"kb-adv-heading6925_e04c01-df\"]{font-weight:normal;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading6925_e04c01-df mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading6925_e04c01-df[data-kb-block=\"kb-adv-heading6925_e04c01-df\"] mark.kt-highlight{font-weight:normal;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading6925_e04c01-df img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading6925_e04c01-df[data-kb-block=\"kb-adv-heading6925_e04c01-df\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading6925_e04c01-df wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6925_e04c01-df\">   Key areas of expertise  <\/h2>\n\n\n<style>.kb-row-layout-id6925_1e41d2-f5 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id6925_1e41d2-f5 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id6925_1e41d2-f5 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, calc(50% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(50% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id6925_1e41d2-f5 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id6925_1e41d2-f5 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id6925_1e41d2-f5 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id6925_1e41d2-f5 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column6925_4ca499-54 > .kt-inside-inner-col{padding-right:95px;}.kadence-column6925_4ca499-54 > .kt-inside-inner-col,.kadence-column6925_4ca499-54 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_4ca499-54 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_4ca499-54 > .kt-inside-inner-col{flex-direction:column;}.kadence-column6925_4ca499-54 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6925_4ca499-54 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_4ca499-54{position:relative;}@media all and (max-width: 1024px){.kadence-column6925_4ca499-54 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6925_4ca499-54 > .kt-inside-inner-col{padding-right:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_4ca499-54 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\">The right experts for every challenge, the perfect team for every client: We focus on the elements that drive your success.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column6925_d5fcb4-f7 > .kt-inside-inner-col,.kadence-column6925_d5fcb4-f7 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_d5fcb4-f7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_d5fcb4-f7 > .kt-inside-inner-col{flex-direction:column;}.kadence-column6925_d5fcb4-f7 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6925_d5fcb4-f7 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_d5fcb4-f7{position:relative;}@media all and (max-width: 1024px){.kadence-column6925_d5fcb4-f7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6925_d5fcb4-f7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_d5fcb4-f7 inner-column-2\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id6925_ca9e6c-1c > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id6925_ca9e6c-1c > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id6925_ca9e6c-1c > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:1280px;margin-left:auto;margin-right:auto;padding-top:30px;padding-right:15px;padding-bottom:30px;padding-left:15px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id6925_ca9e6c-1c > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id6925_ca9e6c-1c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id6925_ca9e6c-1c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id6925_ca9e6c-1c alignnone gsk-kadence-acc wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column6925_56b547-43 > .kt-inside-inner-col,.kadence-column6925_56b547-43 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_56b547-43 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_56b547-43 > .kt-inside-inner-col{flex-direction:column;}.kadence-column6925_56b547-43 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6925_56b547-43 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_56b547-43{position:relative;}@media all and (max-width: 1024px){.kadence-column6925_56b547-43 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6925_56b547-43 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_56b547-43 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.kt-accordion-id6925_4e82b6-90 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:1px;}.kt-accordion-id6925_4e82b6-90 .kt-accordion-panel-inner{border-top:0px solid #c8c8cd;border-right:0px solid #c8c8cd;border-bottom:1px solid #c8c8cd;border-left:0px solid #c8c8cd;background:#ffffff;padding-top:0px;padding-right:20px;padding-bottom:20px;padding-left:34px;}.kt-accordion-id6925_4e82b6-90 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top-color:#c8c8cd;border-top-style:solid;border-right-color:#c8c8cd;border-right-style:solid;border-bottom:1px solid #c8c8cd;border-left-color:#c8c8cd;border-left-style:solid;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:#fff;font-size:18px;line-height:24px;text-transform:uppercase;color:#253942;padding-top:16px;padding-right:10px;padding-bottom:16px;padding-left:0px;}.kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#253942;}.kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#253942;}.kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#fff;}.kt-accordion-id6925_4e82b6-90 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id6925_4e82b6-90 .kt-blocks-accordion-header:focus-visible{color:#00839b;background:#fff;border-top-color:#c8c8cd;border-top-style:solid;border-right-color:#c8c8cd;border-right-style:solid;border-bottom:1px solid #c8c8cd;border-left-color:#c8c8cd;border-left-style:solid;}.kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#00839b;}.kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#00839b;}.kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#fff;}.kt-accordion-id6925_4e82b6-90 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id6925_4e82b6-90 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:#00839b;background:#fff;border-top-color:#fff;border-top-style:solid;border-right-color:#fff;border-right-style:solid;border-bottom:1px solid #fff;border-left-color:#fff;border-left-style:solid;}.kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#00839b;}.kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#00839b;}.kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id6925_4e82b6-90:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#fff;}@media all and (max-width: 1024px){.kt-accordion-id6925_4e82b6-90 .kt-accordion-panel-inner{border-top:0px solid #c8c8cd;border-right:0px solid #c8c8cd;border-bottom:1px solid #c8c8cd;border-left:0px solid #c8c8cd;}}@media all and (max-width: 1024px){.kt-accordion-id6925_4e82b6-90 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top-color:#c8c8cd;border-top-style:solid;border-right-color:#c8c8cd;border-right-style:solid;border-bottom:1px solid #c8c8cd;border-left-color:#c8c8cd;border-left-style:solid;}}@media all and (max-width: 1024px){.kt-accordion-id6925_4e82b6-90 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id6925_4e82b6-90 .kt-blocks-accordion-header:focus-visible{border-top-color:#c8c8cd;border-top-style:solid;border-right-color:#c8c8cd;border-right-style:solid;border-bottom:1px solid #c8c8cd;border-left-color:#c8c8cd;border-left-style:solid;}}@media all and (max-width: 1024px){.kt-accordion-id6925_4e82b6-90 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id6925_4e82b6-90 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#fff;border-top-style:solid;border-right-color:#fff;border-right-style:solid;border-bottom:1px solid #fff;border-left-color:#fff;border-left-style:solid;}}@media all and (max-width: 767px){.kt-accordion-id6925_4e82b6-90 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id6925_4e82b6-90 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:1px;}.kt-accordion-id6925_4e82b6-90 .kt-accordion-panel-inner{border-top:0px solid #c8c8cd;border-right:0px solid #c8c8cd;border-bottom:1px solid #c8c8cd;border-left:0px solid #c8c8cd;}.kt-accordion-id6925_4e82b6-90 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top-color:#c8c8cd;border-top-style:solid;border-right-color:#c8c8cd;border-right-style:solid;border-bottom:1px solid #c8c8cd;border-left-color:#c8c8cd;border-left-style:solid;}.kt-accordion-id6925_4e82b6-90 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id6925_4e82b6-90 .kt-blocks-accordion-header:focus-visible{border-top-color:#c8c8cd;border-top-style:solid;border-right-color:#c8c8cd;border-right-style:solid;border-bottom:1px solid #c8c8cd;border-left-color:#c8c8cd;border-left-style:solid;}.kt-accordion-id6925_4e82b6-90 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id6925_4e82b6-90 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#fff;border-top-style:solid;border-right-color:#fff;border-right-style:solid;border-bottom:1px solid #fff;border-left-color:#fff;border-left-style:solid;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id6925_4e82b6-90 kt-accordion-has-26-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-left\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-19 kt-pane6925_d994bb-3d\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Financial Regulation\/Insurance Regulation<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">An essential focus of our advice on financial regulation is the support and management of licensing procedures for the establishment of banks, insurance companies and financial service providers, as well as payment institutions and electronic money institutions. We also advise regulated companies on their day-to-day business operations and on product design in connection with the compliance and adherence to the regulatory requirements relevant to them. We can advise clients on all aspects of restructuring and reorganisation, as well as liquidation and insolvency. Our expertise extends to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Licensing procedures and licence extensions<\/li>\n\n\n\n<li>Outsourcing and cooperation agreements<\/li>\n\n\n\n<li>Qualification of managers\/supervisory boards<\/li>\n\n\n\n<li>Remuneration schemes<\/li>\n\n\n\n<li>Capital requirements<\/li>\n\n\n\n<li>Group structures and consolidation rules<\/li>\n\n\n\n<li>Regulatory organisational requirements<\/li>\n\n\n\n<li>Regulatory conduct of business regulations (MiFID II)<\/li>\n\n\n\n<li>Reorganisation and restructuring<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-20 kt-pane6925_f3707a-e7\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Banking contract law<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Our specialist expertise includes the contractual implementation of your banking products and services in a highly regulated environment that is also subject to a high degree of consumer protection regulations. Together with our financial services team, we are perfectly equipped to advise you on all questions around banking contract law, in particular in the preparation of:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>All customer documentation in the area of banking and financial services as well as payment transactions, including general terms and conditions<\/li>\n\n\n\n<li>Consumer credit and corporate credit agreements as well as leasing and factoring agreements<\/li>\n\n\n\n<li>Any securities documentation, in particular securities prospectuses and base prospectuses<\/li>\n\n\n\n<li>Non-standard investment contracts in the field of investment products<\/li>\n\n\n\n<li>Smart contracts and tokens<\/li>\n\n\n\n<li>Contractual applications in compliance with pre-contractual information requirements, distance selling regulations and rights of withdrawal<\/li>\n\n\n\n<li>Investor documentation and information required by supervisory law (advisory protocol, suitability test, etc.)<\/li>\n\n\n\n<li>KYC\/AML processes<\/li>\n\n\n\n<li>Cooperation agreements\/outsourcing contracts (insourcing\/outsourcing)&nbsp;<\/li>\n\n\n\n<li>Data protection information and processing directories<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-21 kt-pane6925_a0e2f8-4d\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Securities business and distribution<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">We advise clients on securities business and distribution with a particular focus on the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Securitisations<\/li>\n\n\n\n<li>Structured finance<\/li>\n\n\n\n<li>High yield bonds<\/li>\n\n\n\n<li>Hybrid financial instruments<\/li>\n\n\n\n<li>Listings of securities on regulated and unregulated markets<\/li>\n\n\n\n<li>Corporate bonds<\/li>\n\n\n\n<li>Asset management, portfolio management, investment advice and brokerage<\/li>\n\n\n\n<li>Customer information<\/li>\n\n\n\n<li>Compliance with organisational requirements for securities service providers, such as cost transparency, reimbursements, taping and compliance<\/li>\n\n\n\n<li>Portfolio management and service agreements<\/li>\n\n\n\n<li>Access to tied brokers<\/li>\n\n\n\n<li>Distribution of alternative investments<\/li>\n\n\n\n<li>Advising family offices in the regulated and non-regulated securities business<\/li>\n\n\n\n<li>Tax structuring and optimisation (in particular VAT)<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-22 kt-pane6925_8dfa58-4e\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">FinTech, InsurTech and digitisation<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">One of our core activities is providing advice on the digitisation of banking, financial and insurance services. Our lawyers have many years of experience and expert knowledge regarding the legal aspects of tax structuring (particularly VAT) and the development of various FinTech models, and have carried out pioneering work in many areas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We provide our clients with comprehensive advice, focusing on the development of their digital business models and products, as well as on the drafting of contractual documentation with cooperation partners. Of course, we can also assist you with the necessary licensing procedures with the relevant supervisory authorities. Our FinTech team has a breadth of expertise across the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Algorithm trading, signalling and automated order execution<\/li>\n\n\n\n<li>Alternative payment methods<\/li>\n\n\n\n<li>Automated investment consulting (robo-advisors)<\/li>\n\n\n\n<li>Automated financial portfolio management<\/li>\n\n\n\n<li>Banking-as-a-service (BaaS) or white label banking<\/li>\n\n\n\n<li>Crowd bonds<\/li>\n\n\n\n<li>Digital financing platforms (crowdfunding, crowdinvesting, crowdlending)<\/li>\n\n\n\n<li>Digitisation of securitisation transactions<\/li>\n\n\n\n<li>Initial coin offerings and smart contracts<\/li>\n\n\n\n<li>InsurTech<\/li>\n\n\n\n<li>Credit factories<\/li>\n\n\n\n<li>Crypto and distributed ledger technology applications and products<\/li>\n\n\n\n<li>Artificial intelligence and big data<\/li>\n\n\n\n<li>RegTech and compliance applications &nbsp;<\/li>\n\n\n\n<li>Mutual cooperation between banks and FinTechs (outsourcing\/insourcing)<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-23 kt-pane6925_3101dc-07\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Payment transactions\u00a0<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Our advisory services in payment transactions include in particular the following projects and topics:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Support with licensing procedures as a payment institution or e-money institution<\/li>\n\n\n\n<li>Support in product design, preparation of customer terms and conditions and cooperation agreements<\/li>\n\n\n\n<li>Advice in connection with regulatory standards compliance, in particular PSD (II), including issues relating to strong customer authentication, EMD, MIF, SEPA as well as regulations of card organisations and payment systems<\/li>\n\n\n\n<li>Platform-based payment solutions<\/li>\n\n\n\n<li>Card or instrument-based payment systems, in particular credit card business (issuing and acquiring)<\/li>\n\n\n\n<li>Mobile payments, in particular digitalised card payments in mobile banking with biometric user authentication (CDCVM)<\/li>\n\n\n\n<li>E-money products<\/li>\n\n\n\n<li>Loyalty schemes and loyalty cards<\/li>\n\n\n\n<li>Corporate payments, payment factories and group inhouse-banks<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-24 kt-pane6925_b2cabb-f8\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Banking and financial services compliance\/anti-money laundering and crime prevention<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">We advise companies that are subject to regulatory supervision (in particular those subject to CSSF supervision) and\/or concerned by anti-money laundering law (in particular banks, financial services institutions and investment management companies) regarding the precautions they must take in order to meet the regulatory requirements incumbent upon them (regulatory compliance). We provide tailor-made and case-specific advisory services, as well as ongoing legal advice to clients. In addition, we assume compliance functions for our clients (including compliance officer, anti-money laundering officer, central investigation office, contact point for whistle blowers) by means of outsourcing. Our expertise in the area of regulatory compliance includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Designing, operating and improving risk-based compliance management systems (CMS) for regulatory compliance, including the prevention of money laundering and terrorist financing regarding the client\u2019s specific business model<\/li>\n\n\n\n<li>Reviewing business partners (KYC checks) including monitoring sanctions lists<\/li>\n\n\n\n<li>Legal support in supervisory measures (for example special audits)<\/li>\n\n\n\n<li>Carrying out internal investigations, including crisis management and representation in legal follow-up proceedings (if necessary)<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-25 kt-pane6925_7bcadb-96\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Banking litigation<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Banking and financial disputes are often not only complex in terms of substance. In procedural law, there are a number of special strategies that must also be observed, such as those necessary for safeguarding reputation and avoiding unfavourable precedents. We have a thorough understanding of banking and financial litigation and have extensive experience in the drafting and application of all known dispute resolution mechanisms, including the structuring of collective actions (including investor test cases and test actions for declaratory judgement), as well as alternative dispute resolution mechanisms and arbitration proceedings. We advise on disputes in the following areas, where we regularly represent banks, financial service providers, leading companies and institutional investors:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prospectus liability and liabilities of investment advisers\/broker-dealers<\/li>\n\n\n\n<li>Adviser liability<\/li>\n\n\n\n<li>Capital markets disputes (including omitted insider information)<\/li>\n\n\n\n<li>Payment transactions (including misuse of payment methods)<\/li>\n\n\n\n<li>Credit law and collateral security law (for example, enforcement of claims arising from loans, mortgages and sureties)<\/li>\n\n\n\n<li>Representation in compliance violations<\/li>\n\n\n\n<li>Treaties between federal states and investment protection<\/li>\n\n\n\n<li>Unfair competition and liability risks arising from business general terms and conditions<\/li>\n\n\n\n<li>Legal matters at the interface of corporate law and M&amp;A transactions (including resolution appeal, arbitration proceedings, M&amp;A adviser liability, auditor liability, and management liability)<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-26 kt-pane6925_6e6149-75\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Banking M&amp;A\u00a0<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">As a team, we work alongside our M&amp;A specialists to provide combined expertise on national and cross-border mergers, acquisitions and participations, with the aim of safely circumventing regulatory pitfalls while also making use of any room for manoeuvre. With our extensive experience and established network of contacts with European supervisory authorities, we assist clients seamlessly and efficiently, even in complex owner control proceedings. Our expertise in banking M&amp;A includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Purchase and sale of regulated banks, financial or payment service providers and insurance companies, including advice on tax-efficient structures as well as both pre-acquisition and post-acquisition measures<\/li>\n\n\n\n<li>Comprehensive financial, legal and tax due diligence in relation to regulated entities<\/li>\n\n\n\n<li>Acquisition or reduction of a significant holding in a regulated undertaking<\/li>\n\n\n\n<li>Owner control procedures<\/li>\n\n\n\n<li>Separation and sale or takeover of subdivisions or portfolios of a regulated institution<\/li>\n\n\n\n<li>Winding-up and liquidation as well as restructuring of regulated institutions or groups of institutions<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<div class=\"kb-row-layout-wrap kb-row-layout-id6925_9d7c13-f8 alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle\">\n<style>.kadence-column6925_edf089-d8 > .kt-inside-inner-col{padding-right:30px;}.kadence-column6925_edf089-d8 > .kt-inside-inner-col,.kadence-column6925_edf089-d8 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column6925_edf089-d8 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6925_edf089-d8 > .kt-inside-inner-col{flex-direction:column;}.kadence-column6925_edf089-d8 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6925_edf089-d8 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6925_edf089-d8{position:relative;}@media all and (max-width: 1024px){.kadence-column6925_edf089-d8 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6925_edf089-d8 > .kt-inside-inner-col{padding-right:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6925_edf089-d8 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"951\" height=\"1024\" src=\"https:\/\/gsk-lux.com\/wp-content\/uploads\/2024\/08\/gsk-stockmann-AP_Heinzmann-Femandez-Scollo-951x1024.png\" alt=\"Portrait photo of Heinzmann, Femandez, Scollo, lawyers at GSK Stockmann, contacts for &quot;Finance&quot;\" class=\"wp-image-31959\" srcset=\"https:\/\/gsk-lux.com\/wp-content\/uploads\/2024\/08\/gsk-stockmann-AP_Heinzmann-Femandez-Scollo-951x1024.png 951w, https:\/\/gsk-lux.com\/wp-content\/uploads\/2024\/08\/gsk-stockmann-AP_Heinzmann-Femandez-Scollo-279x300.png 279w, https:\/\/gsk-lux.com\/wp-content\/uploads\/2024\/08\/gsk-stockmann-AP_Heinzmann-Femandez-Scollo-768x827.png 768w, https:\/\/gsk-lux.com\/wp-content\/uploads\/2024\/08\/gsk-stockmann-AP_Heinzmann-Femandez-Scollo.png 1048w\" sizes=\"auto, (max-width: 951px) 100vw, 951px\" \/><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-column kadence-column6925_7915d6-54 inner-column-2\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading6925_e79369-c1, .wp-block-kadence-advancedheading.kt-adv-heading6925_e79369-c1[data-kb-block=\"kb-adv-heading6925_e79369-c1\"]{font-weight:normal;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading6925_e79369-c1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading6925_e79369-c1[data-kb-block=\"kb-adv-heading6925_e79369-c1\"] mark.kt-highlight{font-weight:normal;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading6925_e79369-c1 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading6925_e79369-c1[data-kb-block=\"kb-adv-heading6925_e79369-c1\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading6925_e79369-c1 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6925_e79369-c1\"><span style=\"color:#00839b\" class=\"color\">Your contacts. <\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding your perspective. And finding the best solution. This is our mission:<\/p>\n\n\n<div data-component=\"Getanwalt\" data-props=\"{&quot;post&quot;:{&quot;0&quot;:30553},&quot;align&quot;:&quot;full&quot;,&quot;isEditor&quot;:false,&quot;title&quot;:&quot;&quot;,&quot;content&quot;:&quot;&quot;}\"><\/div>\n\n\n<div data-component=\"Getanwalt\" data-props=\"{&quot;post&quot;:{&quot;0&quot;:30554},&quot;align&quot;:&quot;full&quot;,&quot;isEditor&quot;:false,&quot;title&quot;:&quot;&quot;,&quot;content&quot;:&quot;&quot;}\"><\/div>\n\n\n<div data-component=\"Getanwalt\" data-props=\"{&quot;post&quot;:{&quot;0&quot;:30541},&quot;align&quot;:&quot;full&quot;,&quot;isEditor&quot;:false,&quot;title&quot;:&quot;&quot;,&quot;content&quot;:&quot;&quot;}\"><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<div\n\tdata-component=\"RecentEventsBlock\"\n\tdata-props=\"{\n    &quot;title&quot;: &quot;u003cspan class=u0022coloru0022 style=u0022color:#00839bu0022u003eUpcoming eventsu003c\\\/spanu003e&quot;,\n    &quot;tag&quot;: 0,\n    &quot;sector&quot;: 229,\n    &quot;linkText&quot;: &quot;All Events&quot;,\n    &quot;link&quot;: {\n        &quot;url&quot;: &quot;https:\\\/\\\/gsk-lux.com\\\/en\\\/events\\\/&quot;\n    },\n    &quot;align&quot;: &quot;wide&quot;,\n    &quot;postCount&quot;: 3,\n    &quot;isEditor&quot;: false,\n    &quot;styleCard&quot;: &quot;with_image&quot;,\n    &quot;initialData&quot;: [\n        {\n            &quot;ID&quot;: 33914,\n            &quot;title&quot;: &quot;Breakfast @ GSK Stockmann: Labour Law and Tax Training in French&quot;,\n            &quot;featured_img_src&quot;: &quot;https:\\\/\\\/gsk-lux.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/Lux-Burogebaude-1024x683.png&quot;,\n            &quot;featured_img_alt&quot;: &quot;Exterior view of the GSK Stockmann Luxembourg office building at dusk with light trails from passing traffic&quot;,\n            &quot;link&quot;: &quot;https:\\\/\\\/gsk-lux.com\\\/en\\\/event\\\/breakfast-gsk-stockmann-labour-law-and-tax-training-in-french\\\/&quot;,\n            &quot;start_date&quot;: &quot;15-10-2026&quot;,\n            &quot;end_date&quot;: &quot;15-10-2026&quot;,\n            &quot;location&quot;: &quot;GSK Stockmann&quot;,\n            &quot;duration&quot;: &quot;9:00 - 13:00&quot;\n        },\n        {\n            &quot;ID&quot;: 33915,\n            &quot;title&quot;: &quot;Breakfast @ GSK Stockmann: Labour Law and Tax Training in German&quot;,\n            &quot;featured_img_src&quot;: &quot;https:\\\/\\\/gsk-lux.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/Lux-Burogebaude-1024x683.png&quot;,\n            &quot;featured_img_alt&quot;: &quot;Exterior view of the GSK Stockmann Luxembourg office building at dusk with light trails from passing traffic&quot;,\n            &quot;link&quot;: &quot;https:\\\/\\\/gsk-lux.com\\\/en\\\/event\\\/breakfast-gsk-stockmann-labour-law-and-tax-training-in-german\\\/&quot;,\n            &quot;start_date&quot;: &quot;20-10-2026&quot;,\n            &quot;end_date&quot;: &quot;20-10-2026&quot;,\n            &quot;location&quot;: &quot;GSK Stockmann&quot;,\n            &quot;duration&quot;: &quot;9:00 - 13:00&quot;\n        },\n        {\n            &quot;ID&quot;: 33939,\n            &quot;title&quot;: &quot;Munich Finance Forum&quot;,\n            &quot;featured_img_src&quot;: &quot;https:\\\/\\\/gsk-lux.com\\\/wp-content\\\/uploads\\\/2019\\\/10\\\/img_muenchen.jpg&quot;,\n            &quot;featured_img_alt&quot;: &quot;&quot;,\n            &quot;link&quot;: &quot;https:\\\/\\\/gsk-lux.com\\\/en\\\/event\\\/munich-finance-forum\\\/&quot;,\n            &quot;start_date&quot;: &quot;21-10-2026&quot;,\n            &quot;end_date&quot;: &quot;21-10-2026&quot;,\n            &quot;location&quot;: &quot;Munich, Germany&quot;,\n            &quot;duration&quot;: &quot;12:30-19:00&quot;\n        }\n    ]\n}\"\n\tdata-prop-children=\"\"\n><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Financial Services Valuable when it comesto crypto currencies.Opinions you can take atface value. We are a highly innovative team, which we were able to demonstrate when successfully supporting the first fully blockchain-based securities transaction. One of the top law firms. In Germany and Luxembourg. The financial sector is currently facing two main challenges \u2013 on &hellip; <a href=\"https:\/\/gsk-lux.com\/en\/sectors\/financial-services\/\">Continued<\/a><\/p>\n","protected":false},"author":28,"featured_media":0,"parent":6923,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-6925","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/gsk-lux.com\/en\/wp-json\/wp\/v2\/pages\/6925","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gsk-lux.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/gsk-lux.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/gsk-lux.com\/en\/wp-json\/wp\/v2\/users\/28"}],"replies":[{"embeddable":true,"href":"https:\/\/gsk-lux.com\/en\/wp-json\/wp\/v2\/comments?post=6925"}],"version-history":[{"count":7,"href":"https:\/\/gsk-lux.com\/en\/wp-json\/wp\/v2\/pages\/6925\/revisions"}],"predecessor-version":[{"id":33885,"href":"https:\/\/gsk-lux.com\/en\/wp-json\/wp\/v2\/pages\/6925\/revisions\/33885"}],"up":[{"embeddable":true,"href":"https:\/\/gsk-lux.com\/en\/wp-json\/wp\/v2\/pages\/6923"}],"wp:attachment":[{"href":"https:\/\/gsk-lux.com\/en\/wp-json\/wp\/v2\/media?parent=6925"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}