PPayment
Buy Now Pay Later und der neue Anwendungsbereich des Verbraucherdarlehensrechts The implementation deadline for CCD2 is approaching – and consumer credit law will soon apply to BNPL models
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  • 9 minute read

The implementation deadline for CCD2 is approaching – and consumer credit law will soon apply to BNPL models

Buy Now, Pay Later (BNPL) has evolved from a simple payment method into a major financing tool in e-commerce—and is now under regulatory scrutiny. The Second Consumer Credit Directive and its implementation in Germany expand the scope of consumer credit law significantly. This article explains which BNPL models will fall under consumer credit rules in the future and where lawmakers draw the line.
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FFinTech
Zwischen Swipe und Aufsicht Social Commerce boomt – doch rechtlich ist nicht alles erlaubt. Wann Plattformen Zahlungsdienste erbringen und welche Ausnahmen greifen, erklärt der Beitrag. Regulation
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  • 6 minute read

Between swiping and regulation

Social commerce is transforming social media platforms like TikTok into virtual marketplaces—but without a license to provide payment services, legal challenges arise. This article examines how existing payment regulations apply to new platform models and the regulatory tightrope they must walk.
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FFinTech
DigiFin25 – Creating the Future Together 3
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  • 3 minute read

DigiFin25 – Creating the Future Together

Digitisation, regulation, geopolitical uncertainty – the pace of change in the financial sector has rarely been as intense as it is today. DigiFin25 brings together the key players to discuss the future of the financial industry – and we’re right at the heart of it.
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FFinTech
Neues Buch: Das Recht der digitalen Zahlungsdienstleistungen
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  • 2 minute read

PayTechLaw – now available as a book!

With the title “PayTechLaw – The Law of Digital Payment Services”, a new handbook has been published by C.H. BECK. It is dedicated entirely to the regulatory and civil law framework of digital payments. The editors: Prof. Dr. Carsten Herresthal, LL.M., and Annerton partners Dr. Matthäus Schindele and Frank Müller, LL.M. – all recognized experts in payment services and financial regulatory law. They were supported by a top-class team of authors – including many familiar names from the Annerton environment and beyond.
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FFinTech
Buy Now Pay Later – Overview of the Legal Framework 8
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  • 3 minute read

Buy Now Pay Later – Overview of the Legal Framework

Spontaneous purchases, deferred payments – Buy Now Pay Later (BNPL) is a hallmark of modern consumer behaviour that prioritises flexibility. Once a familiar feature of mail-order catalogues, the model has evolved with the rise of e-commerce across Europe. Yet behind the seemingly simple concept lies a complex regulatory landscape that warrants closer scrutiny.
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