When can a bank rely on customer due diligence carried out by another institution—rather than repeat the same checks? In my article, “Reliance on customer due diligence performed by another obliged entity under European Union…

Complimentary access to the full version:  https://rdcu.be/foF67. W Journal of Banking Regulation ukazał się artykuł Michała Grabowskiego pod tytułem The legal concept of electronic money: commentary on the judgment of the court of justice of…

This article examines the EU-law challenges arising from the use of artificial intelligence for payment initiation and execution (“Payment Agents”) under European Union law. It focuses on Payment Agents that support purchasing workflows and are…

The article examines how the Instant Payment Regulation (IPR) governs instant credit transfer packages, which differ significantly from ordinary credit transfers and single instant payments. Instant payments have no cut-off times, but for large packages…

Can Payment Initiation Services and Account information Services be treated as occasional transactions within the meaning of AML/CFT regulations? Can providers restrict the application of financial security measures to such PIS and AIS services? You…

28 czerwca 2023 r. Komisja Europejska opublikowała tzw. pakiet PSD3 (Financial Data Access and Payments Package). W jego skład, oprócz projektu PSD3 oraz rozporządzenia PSR wchodzi projekt rozporządzenia dotyczącego cyfrowego Euro (dEUR), jak również –…

W specjalnym wydaniu Journal of Risk and Financial Management ukazał się artykuł Michała Grabowskiego pod tytułem Virtual IBAN as a Service in the Law of the European Union and Poland, J. (open access: https://doi.org/10.3390/jrfm15120566). Analizie poddane zostały…