Dr Dan-Adrian Cărămidariu, a member of the Cărămidariu Bunu team, attended the 31st Legal Colloquium of the National Bank of Romania on 27 March 2026 at its Timiș Regional Branch. Organised by the National Bank with the Faculty of Law of the West University of Timișoara and the Timișoara Business Law Centre, the event brought together academics, practitioners and financial and banking experts.
At the conference, entitled “From reinventing money to redefining the role of banks: the contribution of law”, Dr Dan-Adrian Cărămidariu presented “When the deposit no longer stays put: reflections on the digital representation of value in banking relationships”. He examined the transformation brought about by digital financial instruments and its impact on the legal nature of bank deposits.
The presentation examined how new digital representations of value affect relationships between credit institutions and clients, highlighting the legal challenges of redefining traditional banking law concepts. It also discussed the implications for financial stability and the role of banks in a changing economy.
Participation reflects our continuing commitment to critically examining developments in financial and banking law and integrating new technological realities into the conceptual framework of traditional legal institutions.
