10th Prepaid Congress – Go for Gold!
On 22 May 2025, the time has finally come: the Prepaid Congress will take place for the tenth…
Barrierefreiheitsstärkungsgesetz – Easy language, contracts and general terms and conditions
We have already looked at the Barrierefreiheitsstärkungsgesetz (“BFSG”) and its significance for the banking and payment services industry…
Tip(ping): Contactless payment – enjoyment lies in the delay
UX moments at the terminal: A regular morning at the airport – until technology steps in and asks for a tip. Hugo Godschalk shares a short, pointed observation that makes you pause and think.
What do the party manifestos have to say about ‘our’ payment topics?
Some highlights from the German federal election manifestos 2025 Payments are not just a topic for lawyers. It…
A Fairy Tale Journey into the Future of Payments – The Payment Exchange 2025
Once Upon a Time… … not too far in the future, a legendary place called Berlin shone with…
The questionable figures to the German payment market of the German Council of Economic Experts
The new annual report on the assessment of macroeconomic developments 2024/2025 by the German Council of Economic Experts…
Deposit from the credit institution and e-money (only) from the e-money institution?
Digital means of payment are more present in public discourse than ever; not least due to the new…
Material legal framework that payment service providers in the area of regulatory law need to know
We already provided you with overviews of the material legal provisions that are relevant for payment service providers…
Minimum risk management requirements for ZAG institutions – ZAG-MaRisk
On 27 May 2024, the German Federal Financial Supervisory Authority (“BaFin”) published the final version of its circular…
PSD3 and PSR: What changes are there for telecommunication-specific payment transactions?
The proposals for the Payment Services Directive 3 (“PSD3”) and the Payment Services Regulation (“PSR”) continue to take…
ESA’s Final Report: SFDR RTS 2.0
Introduction The European Union wants to achieve net-zero CO2 emissions by 2050 – among other things with the…
Minimum requirements for risk management at ZAG institutions (2)
Update: The ZAG-MaRisk was published on May 27, 2024 after an extended consultation. According to the BaFin’s letter…
Minimum requirements for risk management at ZAG institutions (1)
Update: The ZAG-MaRisk was published on May 27, 2024 after an extended consultation. According to the BaFin’s letter…
Still a payment service or already the issuance of e-money?
This is the question currently dealt with in front of the European Court of Justice in Case C-661/22.…