The Digital Euro in the European Election Campaign
The European Commission’s proposal to regulate the digital euro (D€) has been on the table since June 28th,…
Online again: BaFin register of notified LNE exemptions
Here at PayTechLaw, we have always dealt with the PSD2-exceptions for limited networks and limited product ranges. Those…
The AML package is here
On February 12, 2024, the Council of the European Union published the final compromise texts on the new…
Digital Euro – No Full Anonymity. Why Not?
A contribution to the hearing in the Finance Committee of the German Bundestag on the digital euro on…
The metamorphosis of a payment instrument into a payment app
If you “google” the term payment app, you come across Apple Pay, Google Pay, Payback Pay, Bluecode, PayPal…
Credit card saturation and debit card boom in Germany?
According to the Bundesbank’s payment statistics, the number of credit cards issued1 fell by 6% (for so-called charge…
The mysticism of numbers
The mysticism of numbers There is a bon mot attributed to Bismarck: “Laws are like sausages, it is…
EU Commission plans to abolish anonymous e-money
In summer 2021, the European Commission presented an ambitious legislative package to improve the fight against money laundering…
The narrative of Mastercard and Visa dominance
Do the International Card Schemes (ICS) Mastercard and Visa dominate in Europe or even in Germany? Do these…
Infographic | Corona and the European card business
Did the pandemic affect the European card business? In the first year of the new Corona era, the…
Infographic co-badging of national card schemes in the EU
Due to Mastercard’s announcement that the debit card brand Maestro will be terminated as of mid-20231, the topic…
New EBA uniform guidelines for the notification procedure of the PSD “limited networks” exclusion
In his blog post of 20 July, Christian Walz presented the outline of the guidelines put out for…
Tokenised bank money – Further comments on MiCAR (2)
In my previous article, I discussed the problems arising from the methodology and definitions of the European Commission’s…
Should e-money be a universal medium of exchange?
Payment systems regulatory law has recognized three types of money so far: cash (banknotes and coins), scriptural money…