La discriminazione IBAN: inquadramento e rimedi “Discriminare” conti aperti con neobanks con licenza estera è illecito. Oltre 2 milioni di Euro di sanzioni irrogate dell’AGCM nel 2019. di Andrea Moriggi Se una società, un datore di lavoro, un commerciante o un fornitore di servizi si rifiuta di attivare una domiciliazione oppure eseguire un bonifico sul tuo conto poiché estero, ma…
É legale addebitare ai clienti le commissioni per pagamenti effettuati online, oppure in negozio con il POS? di Andrea Moriggi Quante volte può esser capitato di essere entrati in un esercizio commerciale e aver visto un cartello che recitava “per pagamenti con le carte di credito si applica una commissione di 1€“, o “il pagamento con carte ha un sovrapprezzo…
The legal risks of cloud services by Andrea Moriggi Introduction Cloud computing is a skyrocketing business. It has become crucial for companies to reduce costs, improve network and storage security, and offer a wide range of services with relatively limited resources. It is no secret that large corporations such as Microsoft and Amazon[1] for instance, have completely redefined their business…
Taxation of income generated by cross-border digital transactions by Andrea Moriggi Summary: Introduction: The e-commerce market. – 1. Legal framework. – 2 The OECD Model. – 3. Types of transactions: business profits or royalties? – 4. Problems related to the Taxation of Digital Transactions – 5. Conclusion Introduction: The e-commerce market “It is difficult to apply the existing rules to the…
Trademark Protection of Architectural Works in the Digital Era. The U.S. Approach di Andrea Moriggi Summary Introduction. – 1. Trademarks and the evolution of architectural works protection in the digital age. – 2. Architectural works trademark in videogames: the E.S.S. Entertainment 2000 v. RockStar Games case. – Conclusion. Introduction Videogames are a multi-billion-dollar industry in the global market[1], taking the…
Open banking and competition. How APIs are shaping the future of financial institutions by Andrea Moriggi Summary: Introduction – 1. Rethinking the banking industry: open banking, BaaS and BaaP – 1.1 Open API is to API as Open banking is to banks – 2. The PSD2 directive: a disruption for the European financial market – 3. Open banking the use…
