开放银行:PSD2和GDPR之间令人不安的共存中的棘手法律问题

IF 0.2 Q4 LAW European Review of Private Law Pub Date : 2022-03-01 DOI:10.54648/erpl2022004
Federico Ferretti
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引用次数: 0

摘要

这项工作分析了由支付服务指令2 (PSD2)启用的开放银行法律框架中的问题。它回顾了欧盟法律在支付服务监管中的作用,以及它们向数字化和金融科技的过渡,以展示PSD2在一个传统银行业不熟悉的领域带来的巨大变化。银行业与数据经济的结合揭示了一个全新的市场。PSD2和通用数据保护条例(GDPR)之间的规范性交集不仅暴露了缺乏协调,而且还暴露了越来越多的法律纠纷。分析了法律的不一致、漏洞和解释困难,揭示了法律技术困难之外的操作风险。要协调新兴市场的需求和对其用户的保护,有必要对欧洲的开放银行(Open Banking)制度进行反思,或至少进行修正。
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Open Banking: Gordian Legal Knots in the Uncomfortable Cohabitation between the PSD2 and the GDPR
This work analyses problems in the legal framework of Open Banking enabled by the Payment Services Directive 2 (PSD2). It goes through the role of EU law in the regulation of payment services up to their transition towards digitalization and fintech, to show the scale of the changes brought by the PSD2 in a territory unfamiliar to traditional banking. The resulting conflation between banking and the data economy reveal a brand-new market. The normative intersection between the PSD2 and the General Data Protection Regulation (GDPR) expose not only poor coordination but also a growing entanglement of legal knots. The legal inconsistencies, loopholes, and interpretative difficulties are examined to expose operational risks beyond difficulties of legal technicism. A rethinking, or at least a correction, of the European regime of Open Banking is necessary to reconcile the needs of an emerging market and the protection of its users.
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来源期刊
CiteScore
0.40
自引率
33.30%
发文量
25
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