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mm

Dr. Hugo Godschalk

29 posts
Hugo is managing director and founder of PaySys Consultancy in Frankfurt am Main. Since 2000 PaySys Consultancy represents the European Payments Consulting Association (EPCA) as German founding member. He initiated the Prepaid Verband Deutschland (PVD) as platform of the prepaid industry in Germany.
PPayment
Credit card saturation and debit card boom in Germany? | Hugo Godschalk for PayTechLaw | Cover picture: Adobe Stock/abimagestudio
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  • 7 minute read

Credit card saturation and debit card boom in Germany?

  • byDr. Hugo Godschalk
  • 7. November 2022
  • No comments
According to the Bundesbank’s payment statistics, the number of credit cards issued1 fell by 6% (for so-called charge…
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PPayment
Payment statistics: The mystique of numbers | Hugo Godschalk | PayTechLaw | Cover picture: 1STunningART
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  • 7 minute read

The mysticism of numbers

  • byDr. Hugo Godschalk
  • 19. July 2022
  • No comments
The mysticism of numbers There is a bon mot attributed to Bismarck: “Laws are like sausages, it is…
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AAnti Money Laundering
EU Commission plans to abolish anonymous e-money | Dr. hugo Godschalk | payTechLaw | Cover picture: Adobe Stock/Thaut Images
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  • 7 minute read

EU Commission plans to abolish anonymous e-money

  • byDr. Hugo Godschalk
  • 26. April 2022
  • No comments
In summer 2021, the European Commission presented an ambitious legislative package to improve the fight against money laundering…
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PPayment
International Card Schemes | Narrative of Mastercard and Visa dominance | Hugo Godschalk | PayTechLaw | Cover Pitcure:
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  • 5 minute read

The narrative of Mastercard and Visa dominance

  • byDr. Hugo Godschalk
  • 18. January 2022
  • No comments
Do the International Card Schemes (ICS) Mastercard and Visa dominate in Europe or even in Germany? Do these…
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IInfographic
Infographic Corona and the European card business | Dr Hugo Godschalk from PaySys Consultancy | Picture: Jacoob Lund
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  • 4 minute read

Infographic | Corona and the European card business

  • byDr. Hugo Godschalk
  • 23. December 2021
  • No comments
Did the pandemic affect the European card business? In the first year of the new Corona era, the…
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IInfographic
Infographic Co-Badging: National card schemes within the EU | PayTechLaw | Farknot Architect
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  • 3 minute read

Infographic co-badging of national card schemes in the EU

  • byDr. Hugo Godschalk
  • 9. November 2021
  • No comments
Due to Mastercard’s announcement that the debit card brand Maestro will be terminated as of mid-20231, the topic…
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RRegulatory
EBA Guidelines "Limited Network Exclusion" | PayTechLaw | Dr. Hugo Godschalk | Photo WrightStudio
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  • 10 minute read

New EBA uniform guidelines for the notification procedure of the PSD “limited networks” exclusion

  • byDr. Hugo Godschalk
  • 19. August 2021
  • No comments
In his blog post of 20 July, Christian Walz presented the outline of the guidelines put out for…
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CCrypto & digitisation
Tokenised Money - Comments on MiCAR (2) | PayTechLaw | Yuriy Mazur
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  • 7 minute read

Tokenised bank money – Further comments on MiCAR (2)

  • byDr. Hugo Godschalk
  • 17. June 2021
  • No comments
In my previous article, I discussed the problems arising from the methodology and definitions of the European Commission’s…
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PPayment
 PayTechLaw | E-Geld Universaltauschmittel | e-money | gearstd
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  • 6 minute read

Should e-money be a universal medium of exchange?

  • byDr. Hugo Godschalk
  • 8. April 2021
  • No comments
Payment systems regulatory law has recognized three types of money so far: cash (banknotes and coins), scriptural money…
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CCrypto & digitisation
PayTechLaw_MiCAR_Aliaksandr Marko
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  • 8 minute read

Crypto-assets, fiat currency and aliens – some notes on the MiCAR (1)

  • byDr. Hugo Godschalk
  • 16. March 2021
  • No comments
At the end of September 2020, the European Commission presented its draft for a “Regulation on markets in…
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Newsticker
  • BaFin applies ESMA guidelines for DLT-based market infrastructures
  • EBA clarifies the application of strong customer authentication requirements to digital wallets
  • EBA amended its technical standards on SCA and CSC
  • ECJ Judgment: access to the beneficial ownership register for the general public inadmissible without demonstration of a legitimate interest
  • EBA publishes guidelines on remote customer onboarding
  • Payments: Commission proposes to accelerate the rollout of instant payments in euro
  • MiCAR finally published
  • EU Disclosure Regulation: BaFin publishes Q&A
  • Digital finance: agreement reached on European crypto-assets regulation (MiCA)
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