SEPA Request-to-Pay (SRTP | R2P)- the messaging service for payments
SEPA Request-to-Pay (SRTP) is a new scheme by the European Payment Council, similar to SEPA Credit Transfer (SCT),…
PayTechTalk 57 – Licence rental, License as a Service, Banking as a Service, BIN Rental, BIN Sponsoring, Sponsor bank relationship
In his last blog article, Christian dealt with licence rental and gave an example to show what to…
Comment on the draft general ruling of BaFin regarding Sec. 24c KWG and virtual IBAN
BaFin has published a general ruling on 7 September 2020, pursuant to which credit institutions are obliged to…
101 on how to distinguish between crypto assets and e-money
Crypto assets and e-money are very similar. Both are usually issued by private entities and serve as a…
PayTechTalk 52: French antitrust authority launches sector inquiry into Fintech sector
In today’s episode of PayTechTalk, I am talking to Dr. Hendrik Reffken about the sector inquiry launched by…
PayTechTalk 51: Small donation – Big impact: SmallChangeCard – OpenStreetPay brings digital change to homeless people
Every crisis hits society‘s most vulnerable members the hardest. The Corona crisis is no different and consequences of…
Section 154 AO German Fiscal Code: Small change, big cost
As part of the implementation of the 5th Anti-Money Laundering Directive, the German legislator introduced a small change…
“Lex Apple Pay” – let’s pretend we don’t have a clue… what exactly are technical infrastructure services?
Everyone has been talking about “Lex Apple Pay” ever since the Finance Committee provided its recommendation to include…
Opinion on the draft EBA guidelines on loan origination and monitoring: Please accept technology as part of banking!
The European Banking Authority (EBA) has carried out a consultation on draft guidelines on loan origination and monitoring.…
Is Libra e-money?
Is Libra e-money or rather a virtual currency? Since Libra is based on blockchain technology, it would stand…