🇷🇴 Romanian Fintech Association

RoFintech Breakfast at Sinaia brought the community together in impressive numbers. Thank you to everyone who joined and shaped the conversations about 2025 highlights and what we’re building for 2026. We’re also proud to welcome two new names into the RoFintech ecosystem. rinf.tech joins as a Support Partner, bringing deep expertise in engineering, product development, and enterprise innovation. Their experience across global fintech and financial services ecosystems strengthens our ability to foster impactful collaboration. stock.estate joins as our newest Member. As a platform redefining real estate investing through technology, they represent exactly the kind of bold, product-focused innovation that pushes Romania’s fintech landscape forward. The community is growing. The projects are growing. And the impact we can create together grows with them.

Romania turns 107 today. A country that, in 1918, chose unity as its defining act is now entering a completely different kind of maturity. One built not only on borders and identity, but on ideas. On innovation. On people who refuse to stay still. Over the last decades, Romania didn’t just modernize. It evolved into a place where bold entrepreneurs test assumptions, break patterns, and build technology that matters. A place where fintech, once a niche term, is now a visible and growing industry. Innovation is now part of Romania’s story. And it’s only the beginning. Romania is for those who dare to inspire!

🔥 Episodul 2 din 🎙️ 𝙵𝚒𝚗𝚝𝚎𝚌𝚑 𝚂𝚝𝚊𝚛𝚝 𝙿𝚘𝚍𝚌𝚊𝚜𝚝 🇷🇴 este live! 🔥 🙏 Mulțumesc pentru energia și mesajele primite după lansarea primului episod — comunitatea fintech din România chiar există și se simte! 💙💛❤️ Astăzi lansez episodul 2, o conversație super captivantă despre evoluția plăților digitale în România, alături de unul dintre oamenii pe care îi respect enorm în ecosistem: Daniel Nicolescu, cofondator Symphopay și una dintre vocile puternice ale digitalizării plăților. 💳⚡ 🎯 Ce găsiți în episod: • cum se construiește un fintech de infrastructură în România • evoluția pieței locale de plăți și ce urmează • provocările tehnice & de reglementare din spatele unui sistem de plăți scalabil • lecțiile antreprenoriale ale lui Daniel • viitorul cardurilor, POS-urilor și integrărilor de plăți E o discuție din care chiar avem multe de învățat — autentică, aplicată și ancorată în realitatea industriei. Dacă sunteți pe drum spre BANKING 4.0 | NOCASH EVENTS în Sinaia 🏔️, episodul e perfect pentru căști în trafic. 📌 Disponibil acum pe: 🎧 Spotify -https://lnkd.in/dad33_iV ▶️ YouTube - https://lnkd.in/dQ4b5u85 👍 Like, comment & repost — să ajungă conversația la cât mai mulți pasionați de fintech! 🚀

🎬 Sunt super entuziasmat să anunț lansarea primului meu podcast ( în limba română! ): 🎙️ Fintech Start Podcast 🇷🇴 E un proiect la care mă gândesc de mult: conversații reale, cu oameni care construiesc tehnologie aici, în România, și care duc inovația din laborator direct în lumea financiară — cu tot ce înseamnă visuri, efort, greșeli, reușite și ambiție. Obiectivul acestui podcast este să aducă împreună cât mai mulți pasionați ai fintech-ului din România și să construim, pas cu pas, o comunitate care urmărește și înțelege evoluțiile din acest domeniu. Astept feedback in comentarii, 👍 𝘓𝘪𝘬𝘦 & 𝘙𝘦𝘱𝘰𝘴𝘵, daca merita :) Podcastul este disponibil aici: 🎧 Spotify: https://lnkd.in/dAqXneBg ▶️ Youtube: https://lnkd.in/dzFjMKYg Primul invitat: 👉 Cosmin Curticapean, Co-fondator & CEO LENDOX – un dialog sincer despre cum arată fintech-ul din spatele cortinei și cum se construiește o companie de creditare 100% digitală. Dacă ești pasionat de fintech, startup-uri și oameni care chiar fac lucrurile să se întâmple, abonează-te! Prima serie va avea ca invitati si alti interlocutori extrem de fascinanti, care vorbesc de inovatie din practica, nu din studii si povesti : Daniel Nicolescu - Symphopay, Raluca Micu - Token Payment Services & E-Money, Dimana Vlaeva - SelfPay, Tudor Darie - Fagura, Vasile Tamas - Volt Finance. Mai multe episoade vin curând. 🚀

Move further, faster. Join us! Behind every fintech that grows, there is a community that opens paths, reduces friction and accelerates what you can’t build alone. RoFintech connects you with the people, knowledge and institutions that shape this industry every single day. Apply now: https://lnkd.in/dw8ysYHs

Yesterday, RoFintech took part in the first edition of 𝗕𝗿𝗶𝗱𝗴𝗶𝗻𝗴 𝗕𝗼𝗿𝗱𝗲𝗿𝘀 workshop in 🇫🇷 Paris, hosted by France FinTech & European Digital Finance Association (EDFA) together with European fintech associations and national regulators. The session brought together representatives from over 13 National Competent Authorities, including: 🇷🇴 National Bank of Romania (BNR), 🇫🇷 ACPR (France), 🇮🇹 Bank of Italy, 🇫🇷 AMF (France), 🇱🇻 Latvijas Banka (Latvia), 🇩🇪 BaFin (Germany), 🇱🇹 Lietuvos Bankas (Lithuania), 🇨🇿 Czech National Bank, 🇭🇺 Central Bank of Hungary, 🇸🇪 Finansinspektionen (Sweden) —as well as officials from the European Commission (DG FISMA) 🇪🇺. The discussions focused on a shared objective: 𝙧𝙚𝙙𝙪𝙘𝙞𝙣𝙜 𝙧𝙚𝙜𝙪𝙡𝙖𝙩𝙤𝙧𝙮 𝙛𝙧𝙖𝙜𝙢𝙚𝙣𝙩𝙖𝙩𝙞𝙤𝙣 𝙖𝙘𝙧𝙤𝙨𝙨 𝙀𝙪𝙧𝙤𝙥𝙚 𝙖𝙣𝙙 𝙢𝙤𝙫𝙞𝙣𝙜 𝙩𝙤𝙬𝙖𝙧𝙙 𝙪𝙣𝙞𝙛𝙞𝙚𝙙 𝙥𝙧𝙖𝙘𝙩𝙞𝙘𝙚𝙨 𝙞𝙣 𝙡𝙞𝙘𝙚𝙣𝙨𝙞𝙣𝙜, 𝙨𝙪𝙥𝙚𝙧𝙫𝙞𝙨𝙞𝙤𝙣, 𝙖𝙣𝙙 𝙘𝙤𝙢𝙥𝙡𝙞𝙖𝙣𝙘𝙚, 𝙚𝙣𝙖𝙗𝙡𝙞𝙣𝙜 𝙛𝙞𝙣𝙩𝙚𝙘𝙝 𝙘𝙤𝙢𝙥𝙖𝙣𝙞𝙚𝙨 𝙩𝙤 𝙤𝙥𝙚𝙧𝙖𝙩𝙚 𝙢𝙤𝙧𝙚 𝙚𝙛𝙛𝙞𝙘𝙞𝙚𝙣𝙩𝙡𝙮 𝙖𝙘𝙧𝙤𝙨𝙨 𝙩𝙝𝙚 𝙎𝙞𝙣𝙜𝙡𝙚 𝙈𝙖𝙧𝙠𝙚𝙩. Romania was represented by: 🇷🇴 Cosmin Cosma, President of 𝐑𝐨𝐅𝐢𝐧𝐭𝐞𝐜𝐡 🇷🇴 Ionut H., 𝐍𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐁𝐚𝐧𝐤 𝐨𝐟 𝐑𝐨𝐦𝐚𝐧𝐢𝐚 Several European fintechs — Lemonway, Lise, Enerfip Gestion, Qonto, Mifundo, and Finqware — presented concrete challenges and case studies, from passporting hurdles to inconsistent supervisory practices and technological fragmentation (e.g., PSD2 API performance). The workshop marked an important step toward: • stronger dialogue between the European Commission, national regulators, and the fintech industry, • practical solutions for a functional Digital Financial Single Market, • better cross-border coordination on regulation and oversight. 🇷🇴 Romanian Fintech Association remains committed to representing the Romanian fintech ecosystem in all major European policy and regulatory discussions.

RoFintech Awards Gala is one of the key moments of the year for the industry. It shows that fintech in Romania is growing, maturing and delivering real results. The event highlights concrete progress: products that work, partnerships that matter and teams that execute. It is the most accurate annual snapshot of where the ecosystem stands. All we have to say is that RoFintech Awards Gala 2026 will be unforgettable!

RoFintech Breakfasts bring the ecosystem together early in the day, in a setting where conversations flow naturally and useful connections form fast. Founders, teams and partners share what they’re working on, compare challenges and pick up ideas they can use immediately. Many collaborations and long-term partnerships start in these rooms. We provide the space. The community creates the value. These meetings are the environment where members exchange information, compare experiences and validate ideas. Partnerships start here. Collaborations start here. Most importantly, trust is built here.

We are indeed hyped for this year's Banking4.0 edition. Did you know the RoFintech community has a 25 percent code for Banking 4.0? Drop us a message and we’ll sort it out. See you in Sinaia! Open Finance is no longer a concept. It’s the structural shift redefining how banks, fintechs and customers interact. The panel on New Business Models at Banking 4.0 goes straight to the core: moving from API access to actual value creation through cross-sector data, collaboration and trust. Nic Marius Balaceanu moderates a group shaping this transition through real operational work: digital sales, legal frameworks, data infrastructure, expansion strategy and product execution. It’s a clear view into how financial ecosystems evolve when banking data becomes only the starting point. Relevant for anyone working on integration, compliance, distribution or new revenue models in fintech.

As 2025 comes to a close, one thing is clear: the fintech landscape is shifting fast. Funding is starting to rebound. Regulations like DORA, PSD3, and the AI Act are reshaping how products are built. And innovation is moving from speed to sustainability. But where will your focus be next year? We’re curious to hear from founders, operators, and teams across the ecosystem!