Morais Leitão's lawyers took part in panels on regulation, digital innovation and savings solutions in the financial sector. While Vera Esteves Cardoso analysed the regulatory challenges of banking digitalisation, Margarida Torres Gama highlighted the growing complexity of investment solutions and the impact of supervision on access to financial products.
Margarida Torres Gama and Vera Esteves Cardoso took part in the Banking Forum 2025, an event organised by Jornal Económico, which brought together experts from the financial sector to discuss the challenges and trends in banking.
Margarida Torres Gama, a partner at Morais Leitão, took part in the panel ‘Savings, insurance, certificates. The financial sector passes through here’, where she analysed the growing complexity of savings solutions and the associated regulatory challenges. He emphasised that the diversity of financial products available on the market offers opportunities for different investor profiles, but also requires greater attention to compliance and consumer protection.
The digitalisation of financial services was another central point of his speech, with emphasis on the role of digital channels, which facilitate access to financial products and allow new players to enter the market. However, he warned that this evolution brings challenges, as regulators tend to ‘chase’ innovation, imposing new layers of regulation. Among the main concerns for the coming years, he pointed to sustainability, transparency in customer relations and the impact of artificial intelligence on financial regulation.
The panel also included Miguel Barroso Abecasis (Fidelidade) and João Sousa (CTT), who discussed the role of insurance and digital transformation in diversifying savings products.
Vera Esteves Cardoso, a consultant at Morais Leitão, was part of the panel ‘The financial world is going to be all digital’, where she addressed the regulatory challenges in an increasingly technological sector. She highlighted the efforts of supervisory bodies to keep up to date with the rapid digitalisation of the sector, but warned of the uncertainty about how these bodies will work together to ensure effective regulation in a constantly changing environment.
The panel also included Fernando Braz (Salesforce), Pedro Ventaneira (Rauva) and Rui Carvalho (Coverflex), who discussed the growing automation of financial services and the impact of technology on the relationship between banks, companies and consumers. In the regulatory context, Vera Esteves Cardoso emphasised that, in a scenario of accelerated innovation, financial agents must be attentive to the regulators' initiatives, participating in innovation hubs and public consultations, in order to ensure that the new rules are aligned with the sector's needs.
