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Internet Banking and the Law in Europe : Regulation, Financial Integration and Electronic Commerce - Apostolos Ath. Gkoutzinis

Internet Banking and the Law in Europe

Regulation, Financial Integration and Electronic Commerce

Paperback Published: 10th June 2010
ISBN: 9780521153232
Number Of Pages: 404

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The European Union has long sought to create a single financial area across Europe where consumers in one country benefit from financial markets and activities in other countries. With the emergence of the Internet as a platform for the provision of online banking services, the creation of a pan-European market for banking services appeared a realistic proposition. In practice, however, this has not happened. This book asks why and argues that the creation of banking markets via the Internet relies on both available technologies and appropriate laws and regulations. The institutional and legal framework for online banking services in the single European market are examined, as is the level of legal harmonization achieved in the UK, France and Germany under the influence of the EU Directives pertaining to online banking activities.

List of figures and tables
Introduction to Electronic Finance and Internet Banking:
Internet banking in Europe: basic concepts and recent trends
The legal foundations of electronic banking activities
Online Banking and International Market Access: The Causes of Incomplete Financial Integration and What To Do About Them:
How excessive regulation and legal uncertainty affect cross-border electronic banking and why policy reforms are justified
The governance of the European market in cross-border electronic banking activities: why mutual recognition of national laws on the basis of 'home country' control is the best institutional choice
EU Harmonization and Convergence of National Laws Relating to Electronic Banking Activities:
Risks and regulatory concerns relating to electronic banking activities and the convergence of national prudential regulatory standards
EU measures of legal harmonization concerning electronic commerce and distance marketing of financial services, data protection, banking contracts and investor protection
Applicable Law and Allocation of Regulatory Responsibility in Cross-border Electronic Banking Activities:
Cross-border Internet banking and the principle of 'home country' control in the EU financial services directives
Mutual recognition of national laws under the principle of 'country of origin' of the Electronic Commerce Directive
Applicable law and jurisdiction in cross-border electronic banking contracts
Select bibliography
Table of Contents provided by Publisher. All Rights Reserved.

ISBN: 9780521153232
ISBN-10: 0521153239
Audience: Professional
Format: Paperback
Language: English
Number Of Pages: 404
Published: 10th June 2010
Publisher: Cambridge University Press
Country of Publication: GB
Dimensions (cm): 23.5 x 15.24  x 3.18
Weight (kg): 0.61