Alles Legal – FinTech-Recht kompakt Archives

CCD2 im Checkout: Was sich für BNPL und Rechnungskauf ändert | ALLES LEGAL #134 CCD2 in the Checkout: What Changes for BNPL and Purchase on Invoice | ALLES LEGAL #134

2 minute read

CCD2 in the Checkout: What Changes for BNPL and Purchase on Invoice | ALLES LEGAL #134

byDr. Florian Lörsch
29. April 2026

CCD2 tightens requirements for BNPL, purchase on invoice and instalment payments in the checkout. Even displaying these options may qualify as credit advertising and trigger additional obligations, including price disclosures, SECCI and credit checks. Overall, providers need to adjust processes across the entire customer journey.

BBanking

2 minute read

CCD2 Implementation Finalised: New Rules for the Credit Industry in Germany | ALLES LEGAL #133

byDr. Florian Lörsch
22. April 2026

Germany has finally implemented the EU Consumer Credit Directive (CCD2), with several noteworthy adjustments. In this episode of “Alles Legal”, Dana Wondra speaks with Dr Florian Lörsch about the key differences between the final law and the original draft – and what companies need to do now.

BBanking

2 minute read

9th MaRisk Amendment: Genuine Reduction of Bureaucracy or Merely Cosmetic Changes? | ALLES LEGAL #132

byDr. Jörg Streißle
15. April 2026

Fewer pages, greater flexibility – but also less clarity? In this episode of Alles Legal, find out what the 9th MaRisk amendment really means for banks.

AAnti Money Laundering

EU-AML-Verordnung 2027: Wie Unternehmen jetzt AML-Readiness schaffen | ALLES LEGAL #131 EU AML Regulation 2027: How companies can build AML readiness now | ALLES LEGAL #131

2 minute read

EU AML Regulation 2027: How companies can build AML readiness now | ALLES LEGAL #131

bySebastian Glaab
1. April 2026

The AML Regulation will fundamentally harmonise AML rules across the EU. While this creates consistency, it also requires firms to revisit and adapt their existing compliance frameworks.

AAnti Money Laundering

3 minute read

Third-Party Providers in AML: Outsourcing, Responsibility & New EU Requirements | ALLES LEGAL #130

bySebastian Glaab
18. March 2026

Episode #130 examines the evolving role of third-party providers under the new EU AML framework. It highlights increasing in-house responsibility, new limits on outsourcing, and the impact on KYC processes and identity verification, including developments around video identification and eIDAS.

AAnti Money Laundering

Sanktionen und AML: Wie sich Compliance im Finanzsektor verändert | ALLES LEGAL #129 Sanctions and AML: How Compliance in the Financial Sector Is Changing | ALLES LEGAL #129

2 minute read

Sanctions and AML: How Compliance in the Financial Sector Is Changing | ALLES LEGAL #129

bySebastian Glaab
11. March 2026

Financial sanctions have become part of everyday compliance work in the financial sector. Since the sanctions imposed against Russia and the rise of geopolitical tensions, their relevance has increased significantly. In this episode, Dana Wondra speaks with Sebastian Glaab about why sanctions must now be more closely integrated into financial institutions’ risk management systems.

AAnti Money Laundering

KYC/KYB unter AMLR & RTS: Was sich für Banken und PSPs wirklich ändert | ALLES LEGAL #128 KYC/KYB under AMLR & RTS: What will really change for banks and PSPs | ALLES LEGAL #128

3 minute read

KYC/KYB under AMLR & RTS: What will really change for banks and PSPs | ALLES LEGAL #128

bySebastian Glaab
4. March 2026

KYC and KYB take centre stage in the EU AML package. AMLR and the Regulatory Technical Standards make it clear: Know Your Customer is no longer a one-off onboarding step but an ongoing process with greater expectations regarding data quality, documentation and traceability.

AAnti Money Laundering

EU-AML-Paket: Was die AMLA bringt und warum viele noch nicht bereit sind | ALLES LEGAL #127 EU AML Package: What AMLA Means – and Why Many Are Not Ready Yet | ALLES LEGAL #127

3 minute read

EU AML Package: What AMLA Means – and Why Many Are Not Ready Yet | ALLES LEGAL #127

bySebastian Glaab
25. February 2026

Episode #127 discusses the new EU AML Regulation and the establishment of AMLA. A market survey indicates that many obliged entities still face significant operational gaps and should act early.

PPodcast

KI-Regulierung in der Praxis: Was die Aufsicht zu KI im Finanzsektor wirklich sehen will | ALLES LEGAL #126 AI Regulation in Practice

2 minute read

AI Regulation in Practice: What Supervisors Really Expect to See from AI in the Financial Sector | ALLES LEGAL #126

byJosefine Spengler
18. February 2026

Annerton partner Josefine Spengler explains how supervisory authorities assess AI systems in the financial sector in practice. AI is not treated as a regulatory special case but as an ICT system embedded within existing frameworks, particularly DORA. The focus lies on governance, accountability, traceability and ongoing monitoring. The interaction between DORA and the EU AI Act adds further complexity. The key takeaway: AI is not merely an IT issue – it is a management responsibility.

BBanking

KI im Finanzsektor: Warum Aufsicht und Governance jetzt entscheidend werden | ALLES LEGAL #125 ai-in-financial-sector-supervision-and-governance-alles-legal-125

2 minute read

AI in the Financial Sector: Why Supervision and Governance Are Now Crucial | ALLES LEGAL #125

byJosefine Spengler
11. February 2026

Artificial intelligence is fundamentally reshaping the financial sector – yet its growing use also raises pressing questions around governance and supervision. Find out what this means in the latest episode of “Alles Legal – Fintech-Recht kompakt”. Tune in now!

PPodcast

EUDI-Wallet: Chancen, offene Fragen und der Ausblick für Finanzunternehmen | ALLES LEGAL #124 EUDI-Wallet: Opportunities, Open Questions and Outlook for Financial Institutions

2 minute read

EUDI-Wallet: Opportunities, Open Questions and Outlook for Financial Institutions | ALLES LEGAL #124

byPeter Frey
28. January 2026

In the fifth and final episode of our EUDI-Wallet series, Peter Frey, partner at Annerton, and host Dana Wondra (Payment & Banking) discuss the key findings and challenges surrounding the European Digital Identity Wallet. Topics include opportunities for financial institutions, legal uncertainties, technical requirements and political momentum.

BBanking

EUDI-Wallet: Haftung, Regress & Risiken im Zahlungsverkehr | ALLES LEGAL #123 EUDI-Wallet: Liability, Recourse & Risks in Payment Transactions

2 minute read

EUDI-Wallet: Liability, Recourse & Risks in Payment Transactions | ALLES LEGAL #123

byPeter Frey
21. January 2026

Even when using the EUDI-Wallet, the bank remains the first point of contact for liability – but what happens when it seeks recourse? In episode #123, Peter Frey explains why the lack of clear legal rules creates risk for everyone involved.

BBanking

EUDI-Wallet: KYC, SCA & digitale Signatur in einem System | ALLES LEGAL #122

2 minute read

EUDI-Wallet: KYC, SCA & Digital Signature in One System | ALLES LEGAL #122

byPeter Frey
14. January 2026

The EUDI-Wallet fundamentally changes KYC processes, strong customer authentication (SCA) and digital contract signing. This episode covers key use cases, tangible benefits for banks, and the regulatory perspective – and explores why the Wallet is more than just another identification tool.

PPodcast

eIDAS 2 erklärt: Wie die EUDI Wallet rechtlich verankert ist | ALLES LEGAL #121

2 minute read

eIDAS 2 Explained: The Legal Foundation of the EUDI Wallet | ALLES LEGAL #121

byPeter Frey
17. December 2025

The EUDI Wallet isn’t a coincidence – it’s the result of years of regulatory development. In Episode 121, Peter Frey from Annerton explains what eIDAS 2 changes legally and how this EU regulation sets the framework for a truly European digital identity.