{"id":6936,"date":"2019-10-05T10:54:41","date_gmt":"2019-10-05T08:54:41","guid":{"rendered":"https:\/\/relaunch.gsk-lux.com\/?page_id=6936"},"modified":"2026-09-25T17:19:51","modified_gmt":"2026-09-25T15:19:51","slug":"payments-and-electronic-banking","status":"publish","type":"page","link":"https:\/\/gsk-lux.com\/en\/payments-and-electronic-banking\/","title":{"rendered":"Payments and Electronic Banking"},"content":{"rendered":"<style>.kb-row-layout-id6936_c608ad-1f > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id6936_c608ad-1f > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id6936_c608ad-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:0px;padding-bottom:0px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id6936_c608ad-1f{background-color:#f2f2f3;}.kb-row-layout-id6936_c608ad-1f > .kt-row-layout-overlay{opacity:0.30;background:linear-gradient(180deg,  70%, #00B5E2 100%);}.kb-row-layout-id6936_c608ad-1f ,.kb-row-layout-id6936_c608ad-1f h1,.kb-row-layout-id6936_c608ad-1f h2,.kb-row-layout-id6936_c608ad-1f h3,.kb-row-layout-id6936_c608ad-1f h4,.kb-row-layout-id6936_c608ad-1f h5,.kb-row-layout-id6936_c608ad-1f h6{color:#00839b;}.kb-row-layout-id6936_c608ad-1f .kt-row-layout-bottom-sep{height:100px;}.kb-row-layout-id6936_c608ad-1f .kt-row-layout-bottom-sep svg{width:100%;}.kb-row-layout-id6936_c608ad-1f .kt-row-layout-bottom-sep svg{fill:#ffffff!important;}@media all and (max-width: 1024px){.kb-row-layout-id6936_c608ad-1f > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 1024px){.kb-row-layout-id6936_c608ad-1f .kt-row-layout-bottom-sep{height:px;}}@media all and (max-width: 1024px){.kb-row-layout-id6936_c608ad-1f .kt-row-layout-bottom-sep svg{width:%;}}@media all and (max-width: 767px){.kb-row-layout-id6936_c608ad-1f > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id6936_c608ad-1f .kt-row-layout-bottom-sep{height:0px;}.kb-row-layout-id6936_c608ad-1f .kt-row-layout-bottom-sep svg{width:100%;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id6936_c608ad-1f 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-column6936_769c95-83 > .kt-inside-inner-col,.kadence-column6936_769c95-83 > .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-column6936_769c95-83 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6936_769c95-83 > .kt-inside-inner-col{flex-direction:column;}.kadence-column6936_769c95-83 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6936_769c95-83 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6936_769c95-83{position:relative;}@media all and (max-width: 1024px){.kadence-column6936_769c95-83 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6936_769c95-83 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6936_769c95-83 inner-column-1 with-bottom-border\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"558\" height=\"500\" src=\"https:\/\/gsk-lux.com\/wp-content\/uploads\/2019\/09\/Header_Neuer-Zahlungsverkehr-und-Electronic-Banking_LA.jpg\" alt=\"\" class=\"wp-image-3949\" srcset=\"https:\/\/gsk-lux.com\/wp-content\/uploads\/2019\/09\/Header_Neuer-Zahlungsverkehr-und-Electronic-Banking_LA.jpg 558w, https:\/\/gsk-lux.com\/wp-content\/uploads\/2019\/09\/Header_Neuer-Zahlungsverkehr-und-Electronic-Banking_LA-300x269.jpg 300w, https:\/\/gsk-lux.com\/wp-content\/uploads\/2019\/09\/Header_Neuer-Zahlungsverkehr-und-Electronic-Banking_LA-240x215.jpg 240w\" sizes=\"auto, (max-width: 558px) 100vw, 558px\" \/><\/figure>\n<\/div><\/div>\n\n\n<style>.kadence-column6936_23fb4e-23 > .kt-inside-inner-col{padding-top:20px;padding-bottom:20px;}.kadence-column6936_23fb4e-23 > .kt-inside-inner-col,.kadence-column6936_23fb4e-23 > .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-column6936_23fb4e-23 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6936_23fb4e-23 > .kt-inside-inner-col{flex-direction:column;}.kadence-column6936_23fb4e-23 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6936_23fb4e-23 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6936_23fb4e-23{position:relative;}@media all and (max-width: 1024px){.kadence-column6936_23fb4e-23 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6936_23fb4e-23 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6936_23fb4e-23 inner-column-2\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading6936_99585a-73, .wp-block-kadence-advancedheading.kt-adv-heading6936_99585a-73[data-kb-block=\"kb-adv-heading6936_99585a-73\"]{font-weight:normal;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading6936_99585a-73 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading6936_99585a-73[data-kb-block=\"kb-adv-heading6936_99585a-73\"] 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-heading6936_99585a-73 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading6936_99585a-73[data-kb-block=\"kb-adv-heading6936_99585a-73\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h1 class=\"kt-adv-heading6936_99585a-73 seitenkat wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6936_99585a-73\">Payments and Electronic Banking<\/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\">Understanding innovation,<br>facilitating payments.<\/p>\n<\/blockquote>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id6936_6dd2c4-77 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id6936_6dd2c4-77 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id6936_6dd2c4-77 > .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:repeat(2, minmax(0, 1fr));}.kb-row-layout-id6936_6dd2c4-77 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id6936_6dd2c4-77 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id6936_6dd2c4-77 > .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-id6936_6dd2c4-77 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-column6936_240655-35 > .kt-inside-inner-col{padding-right:127px;}.kadence-column6936_240655-35 > .kt-inside-inner-col,.kadence-column6936_240655-35 > .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-column6936_240655-35 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6936_240655-35 > .kt-inside-inner-col{flex-direction:column;}.kadence-column6936_240655-35 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6936_240655-35 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6936_240655-35{position:relative;}@media all and (max-width: 1024px){.kadence-column6936_240655-35 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6936_240655-35 > .kt-inside-inner-col{padding-right:0px;padding-bottom:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6936_240655-35 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\">Competition between banks and also between banks and technology-driven companies, such as FinTechs, has intensified in recent years in response to changes in the payment landscape. Digital innovation is reshaping financial services and playing an increasing role in the processing of electronic payments and electronic banking, an area which is witnessing increasing competition from:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>New business models such as payment initiation and account information service providers licensed under PSD 2 (Payment Services Directive),<\/li>\n\n\n\n<li>New technologies such as cryptocurrencies and the digitisation of payment cards for payments online and at stationary POS terminals, and&nbsp;<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n<style>.kadence-column6936_ffc6e6-64 > .kt-inside-inner-col{padding-right:127px;}.kadence-column6936_ffc6e6-64 > .kt-inside-inner-col,.kadence-column6936_ffc6e6-64 > .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-column6936_ffc6e6-64 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6936_ffc6e6-64 > .kt-inside-inner-col{flex-direction:column;}.kadence-column6936_ffc6e6-64 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6936_ffc6e6-64 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6936_ffc6e6-64{position:relative;}@media all and (max-width: 1024px){.kadence-column6936_ffc6e6-64 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6936_ffc6e6-64 > .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-column6936_ffc6e6-64 inner-column-2\"><div class=\"kt-inside-inner-col\">\n<ul class=\"wp-block-list\">\n<li>The increased tightening of supervisory regulations due to more stringent security requirements under PSD 2, particularly the obligation to provide strong customer authentication and for the provision of secure interfaces and communication with third-party service providers. <br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this environment, conventional payment products are frequently being tested or new technologies introduced, particularly the digitisation of payment products on mobile devices such as smartphones and tablets.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id6936_4414b8-91 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id6936_4414b8-91 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id6936_4414b8-91 > .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-id6936_4414b8-91{background-color:#00839b;}.kb-row-layout-id6936_4414b8-91 > .kt-row-layout-overlay{opacity:0.30;}.kb-row-layout-id6936_4414b8-91 ,.kb-row-layout-id6936_4414b8-91 h1,.kb-row-layout-id6936_4414b8-91 h2,.kb-row-layout-id6936_4414b8-91 h3,.kb-row-layout-id6936_4414b8-91 h4,.kb-row-layout-id6936_4414b8-91 h5,.kb-row-layout-id6936_4414b8-91 h6{color:#fff;}@media all and (max-width: 1024px){.kb-row-layout-id6936_4414b8-91 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id6936_4414b8-91 > .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-id6936_4414b8-91 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-column6936_50cadf-98 > .kt-inside-inner-col{padding-right:95px;padding-left:95px;}.kadence-column6936_50cadf-98 > .kt-inside-inner-col,.kadence-column6936_50cadf-98 > .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-column6936_50cadf-98 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6936_50cadf-98 > .kt-inside-inner-col{flex-direction:column;}.kadence-column6936_50cadf-98 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6936_50cadf-98 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6936_50cadf-98{position:relative;}@media all and (max-width: 1024px){.kadence-column6936_50cadf-98 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6936_50cadf-98 > .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-column6936_50cadf-98 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image 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-201\"\/><\/figure>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading6936_0a3904-72, .wp-block-kadence-advancedheading.kt-adv-heading6936_0a3904-72[data-kb-block=\"kb-adv-heading6936_0a3904-72\"]{font-weight:normal;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading6936_0a3904-72 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading6936_0a3904-72[data-kb-block=\"kb-adv-heading6936_0a3904-72\"] 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-heading6936_0a3904-72 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading6936_0a3904-72[data-kb-block=\"kb-adv-heading6936_0a3904-72\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading6936_0a3904-72 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6936_0a3904-72\"> Key areas of expertise <\/h2>\n\n\n<style>.kb-row-layout-id6936_b4fb88-d7 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id6936_b4fb88-d7 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id6936_b4fb88-d7 > .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-id6936_b4fb88-d7 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id6936_b4fb88-d7 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id6936_b4fb88-d7 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id6936_b4fb88-d7 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-column6936_4487c2-fa > .kt-inside-inner-col{padding-right:95px;}.kadence-column6936_4487c2-fa > .kt-inside-inner-col,.kadence-column6936_4487c2-fa > .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-column6936_4487c2-fa > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6936_4487c2-fa > .kt-inside-inner-col{flex-direction:column;}.kadence-column6936_4487c2-fa > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6936_4487c2-fa > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6936_4487c2-fa{position:relative;}@media all and (max-width: 1024px){.kadence-column6936_4487c2-fa > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6936_4487c2-fa > .kt-inside-inner-col{padding-right:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6936_4487c2-fa inner-column-1\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\">At GSK Stockmann, we have established ourselves in this dynamic market of new payment systems and electronic banking as one of the leading legal advisers, renowned for our specialised expertise in innovative payment processes.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Thanks to an in-depth knowledge of the market and its payment systems \u2013 which our lawyers have amply demonstrated not least by providing legal advice and assisting in legislative procedures as expert witnesses \u2013 we are able to provide expert advice and guidance on the development of complex and innovative payment systems and e-money products. We also provide advice on matters relating to the set-up and operation of payment systems and on all the regulatory aspects.&nbsp;<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column6936_16c891-5f > .kt-inside-inner-col,.kadence-column6936_16c891-5f > .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-column6936_16c891-5f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6936_16c891-5f > .kt-inside-inner-col{flex-direction:column;}.kadence-column6936_16c891-5f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6936_16c891-5f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6936_16c891-5f{position:relative;}@media all and (max-width: 1024px){.kadence-column6936_16c891-5f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6936_16c891-5f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6936_16c891-5f inner-column-2\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\">Finally, we offer you our experience in the preparation of licence applications for payment and e-money institutions regulated under the Payment Services Act and advise you on innovative payment products in cooperation models.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bringing our expertise in payment standards under the Payment Services Directive (PSD 2) and the RTS (Regulatory Technical Standards) on strong customer authentication and secure communication, we regularly organise seminars for market participants, inviting external speakers who specialise in banking supervision and payment systems.&nbsp;<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id6936_c9d185-c1 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id6936_c9d185-c1 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id6936_c9d185-c1 > .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-id6936_c9d185-c1 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id6936_c9d185-c1 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id6936_c9d185-c1 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id6936_c9d185-c1 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-column6936_0264c2-d9 > .kt-inside-inner-col,.kadence-column6936_0264c2-d9 > .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-column6936_0264c2-d9 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6936_0264c2-d9 > .kt-inside-inner-col{flex-direction:column;}.kadence-column6936_0264c2-d9 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6936_0264c2-d9 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6936_0264c2-d9{position:relative;}@media all and (max-width: 1024px){.kadence-column6936_0264c2-d9 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6936_0264c2-d9 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6936_0264c2-d9 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.kt-accordion-id6936_afe48c-89 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:1px;}.kt-accordion-id6936_afe48c-89 .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:0px;padding-bottom:20px;padding-left:34px;}.kt-accordion-id6936_afe48c-89 > .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-id6936_afe48c-89: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-id6936_afe48c-89: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-id6936_afe48c-89: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-id6936_afe48c-89: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-id6936_afe48c-89: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-id6936_afe48c-89 > .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-id6936_afe48c-89 .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-id6936_afe48c-89: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-id6936_afe48c-89: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-id6936_afe48c-89: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-id6936_afe48c-89: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-id6936_afe48c-89: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-id6936_afe48c-89: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-id6936_afe48c-89: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-id6936_afe48c-89: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-id6936_afe48c-89: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-id6936_afe48c-89: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-id6936_afe48c-89 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id6936_afe48c-89 > .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-id6936_afe48c-89: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-id6936_afe48c-89: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-id6936_afe48c-89: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-id6936_afe48c-89: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-id6936_afe48c-89: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-id6936_afe48c-89 .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-id6936_afe48c-89 > .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-id6936_afe48c-89 > .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-id6936_afe48c-89 .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-id6936_afe48c-89 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id6936_afe48c-89 > .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-id6936_afe48c-89 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id6936_afe48c-89 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:1px;}.kt-accordion-id6936_afe48c-89 .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-id6936_afe48c-89 > .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-id6936_afe48c-89 > .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-id6936_afe48c-89 .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-id6936_afe48c-89 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id6936_afe48c-89 > .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-id6936_afe48c-89 kt-accordion-has-32-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-26 kt-pane6936_a17457-4f\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Payment Transactions <\/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 practice in the field of payment includes 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&nbsp;<\/li>\n\n\n\n<li>Support in product design, preparation of customer business terms and conditions and cooperation agreements&nbsp;<\/li>\n\n\n\n<li>Advice in connection with regulatory standards compliance (in particular PSD 2, including issues relating to strong customer authentication, EMD, MIF, SEPA) as well as regulations of card organisations and payment systems&nbsp;<\/li>\n\n\n\n<li>Platform-based payment solutions&nbsp;<\/li>\n\n\n\n<li>Card or instrument-based payment systems, in particular credit card business (issuing and acquiring)&nbsp;<\/li>\n\n\n\n<li>Mobile payments, in particular digitalised card payments through mobile banking using biometric-based CDCVM (Consumer Device Cardholder Verification Method)&nbsp;<\/li>\n\n\n\n<li>E-money products<\/li>\n\n\n\n<li>Loyalty schemes and customer loyalty cards&nbsp;<\/li>\n\n\n\n<li>Corporate payments, payment factories and in-house banks&nbsp;<\/li>\n\n\n\n<li>Tax structuring and optimisation (in particular, in relation to the VAT)&nbsp;<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-27 kt-pane6936_71bd61-45\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">FinTech, InsurTech &amp; 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\">The digitisation of banking, financial and insurance services is another key area for us. Our team has many years of experience and specialist knowledge in legal and (in particular VAT) tax structuring and the implementation of various FinTech models, carrying out pioneering work in many areas.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Our team provides clients in the finance industry with comprehensive advice on creating their digital business models and on product development, as well as on the drafting of contracts, including cooperation agreements. Naturally our service includes helping you with any necessary licensing procedure at the supervisory authorities responsible.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Our consulting practice in the field of FinTech includes in particular the following projects and topics:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Automated investment advisory services (robo-advisers)&nbsp;<\/li>\n\n\n\n<li>Automated financial portfolio management<\/li>\n\n\n\n<li>Algorithm trading, automated order execution and signalling<\/li>\n\n\n\n<li>Alternative payment methods<\/li>\n\n\n\n<li>Banking-as-a-service\/white label banking&nbsp;<\/li>\n\n\n\n<li>Crowd bonds<\/li>\n\n\n\n<li>Digital financing platforms (crowdfunding, crowdinvesting, crowdlending)&nbsp;<\/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 credit factories<\/li>\n\n\n\n<li>Crypto- and distributed ledger technology-based applications and products<\/li>\n\n\n\n<li>Artificial intelligence and big data<\/li>\n\n\n\n<li>Regulatory technology (RegTech) and compliance applications&nbsp;<\/li>\n\n\n\n<li>Partnerships between banks and FinTechs (outsourcing\/insourcing)&nbsp;<\/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-id6936_35daf7-6f 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-column6936_2ac69c-bf > .kt-inside-inner-col{padding-right:30px;}.kadence-column6936_2ac69c-bf > .kt-inside-inner-col,.kadence-column6936_2ac69c-bf > .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-column6936_2ac69c-bf > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column6936_2ac69c-bf > .kt-inside-inner-col{flex-direction:column;}.kadence-column6936_2ac69c-bf > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column6936_2ac69c-bf > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column6936_2ac69c-bf{position:relative;}@media all and (max-width: 1024px){.kadence-column6936_2ac69c-bf > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column6936_2ac69c-bf > .kt-inside-inner-col{padding-right:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column6936_2ac69c-bf inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped aligncenter wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"951\" height=\"1024\" data-id=\"31988\" src=\"https:\/\/gsk-lux.com\/wp-content\/uploads\/2024\/08\/gsk-stockmann-AP_Heinzmann-Femandez-951x1024.png\" alt=\"Portrait photo of Heinzmann, Femandez, lawyers at GSK Stockmann, contacts for &quot;Payments and Electronic Banking&quot;\" class=\"wp-image-31988\" srcset=\"https:\/\/gsk-lux.com\/wp-content\/uploads\/2024\/08\/gsk-stockmann-AP_Heinzmann-Femandez-951x1024.png 951w, https:\/\/gsk-lux.com\/wp-content\/uploads\/2024\/08\/gsk-stockmann-AP_Heinzmann-Femandez-279x300.png 279w, https:\/\/gsk-lux.com\/wp-content\/uploads\/2024\/08\/gsk-stockmann-AP_Heinzmann-Femandez-768x827.png 768w, https:\/\/gsk-lux.com\/wp-content\/uploads\/2024\/08\/gsk-stockmann-AP_Heinzmann-Femandez.png 1048w\" sizes=\"auto, (max-width: 951px) 100vw, 951px\" \/><\/figure>\n<\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-column kadence-column6936_1c27f9-b5 inner-column-2\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading6936_b8f10c-e9, .wp-block-kadence-advancedheading.kt-adv-heading6936_b8f10c-e9[data-kb-block=\"kb-adv-heading6936_b8f10c-e9\"]{font-weight:normal;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading6936_b8f10c-e9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading6936_b8f10c-e9[data-kb-block=\"kb-adv-heading6936_b8f10c-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-heading6936_b8f10c-e9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading6936_b8f10c-e9[data-kb-block=\"kb-adv-heading6936_b8f10c-e9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading6936_b8f10c-e9 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6936_b8f10c-e9\"><span class=\"color\" style=\"color:#00839b\">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<\/div><\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Payments and Electronic Banking Understanding innovation,facilitating payments. Competition between banks and also between banks and technology-driven companies, such as FinTechs, has intensified in recent years in response to changes in the payment landscape. Digital innovation is reshaping financial services and playing an increasing role in the processing of electronic payments and electronic banking, an area &hellip; <a href=\"https:\/\/gsk-lux.com\/en\/payments-and-electronic-banking\/\">Continued<\/a><\/p>\n","protected":false},"author":28,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-6936","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/gsk-lux.com\/en\/wp-json\/wp\/v2\/pages\/6936","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=6936"}],"version-history":[{"count":6,"href":"https:\/\/gsk-lux.com\/en\/wp-json\/wp\/v2\/pages\/6936\/revisions"}],"predecessor-version":[{"id":33884,"href":"https:\/\/gsk-lux.com\/en\/wp-json\/wp\/v2\/pages\/6936\/revisions\/33884"}],"wp:attachment":[{"href":"https:\/\/gsk-lux.com\/en\/wp-json\/wp\/v2\/media?parent=6936"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}