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 è capitato di entrare in un negozio e vedere scritto “per pagamenti con le carte di credito si applica una commissione di 1€“, o “il pagamento con carte ha un sovrapprezzo del 2%“, e quante volte inoltre la…
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…
