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…
The Libra cryptocurrency – a simple explanation
…also for people who have so far not looked into blockchain… What is the Libra cryptocurrency? Facebook has…
EBA clarification: Setting up a SEPA direct debit mandate does not require strong customer authentication
After the European Banking Authority (EBA) sparked considerable excitement with one of its answers given in the Q&A…
Strong customer authentication for online SEPA direct debits: BaFin’s clarification
You shall never ask me? But questions are useful as sometimes answers are indeed given… In one of…