Pin Code 2021/1 N° 7
Journal article

The digital future for financial services

Pages 7 to 10

Cite this article

  • MANZARI, Nadia
  • and WAGNER, Zoé,
2021. The digital future for financial services. Pin Code, 2021/1 N° 7, p.7-10. DOI : 10.3917/pinc.007.0007. URL : https://droit.cairn.info/revue-pincode-2021-1-page-7?lang=en.
  • Manzari, Nadia.
  • et al.
« The digital future for financial services ». Pin Code, 2021/1 N° 7, 2021. p.7-10. CAIRN.INFO, droit.cairn.info/revue-pincode-2021-1-page-7?lang=en.
  • Manzari, N.
  • and Wagner, Z.
(2021). The Digital Future for Financial Services. Pin Code, 7(1), 7-10. https://doi.org/10.3917/pinc.007.0007.

https://doi.org/10.3917/pinc.007.0007

Abstract
Authors

Cite this article

  • Manzari, N.
  • and Wagner, Z.
(2021). The Digital Future for Financial Services. Pin Code, 7(1), 7-10. https://doi.org/10.3917/pinc.007.0007.
  • Manzari, Nadia.
  • et al.
« The digital future for financial services ». Pin Code, 2021/1 N° 7, 2021. p.7-10. CAIRN.INFO, droit.cairn.info/revue-pincode-2021-1-page-7?lang=en.
  • MANZARI, Nadia
  • and WAGNER, Zoé,
2021. The digital future for financial services. Pin Code, 2021/1 N° 7, p.7-10. DOI : 10.3917/pinc.007.0007. URL : https://droit.cairn.info/revue-pincode-2021-1-page-7?lang=en.

https://doi.org/10.3917/pinc.007.0007

Notes

  • [1]
    https://markets.bitcoin.com/crypto/BTC.
  • [2]
    https://www.bbc.com/news/technology-55560414.
  • [3]
    https://www.bis.org/img/work880_worldmap_lg.jpg.
  • [4]
    https://markets.bitcoin.com/crypto/BTC.
  • [5]
    https://www.bbc.com/news/technology-55560414.
  • [6]
    https://www.bis.org/img/work880_worldmap_lg.jpg.
  • [7]
    https://ec.europa.eu/info/publications/200924-digital-finance-proposals_en.
  • [8]
    Proposal for a Regulation of the European Parliament and of the Council on Markets in Crypto-assets, and amending Directive (EU) 2019/1937, COM/2020/593 final.
  • [9]
    Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market amending Directives 97/7/EC, 2002/65/EC, 2005/60/EC and 2006/48/EC and repealing Directive 97/5/EC, J.O., L. 319, 5 décembre 2017, p. 1-36.
  • [10]
    Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC, J.O., L. 337, 23 décembre 2015, p. 35-127.
  • [11]
    Directive 2009/110/EC of the European Parliament and of the Council of 16 September 2009 on the taking up, pursuit and prudential supervision of the business of electronic money institutions amending Directives 2005/60/EC and 2006/48/EC and repealing Directive 2000/46/EC, J.O., L. 267, 10 août 2009, p. 7-17.
  • [12]
    Proposal for a Directive of the European Parliament and of the Council amending Directives 2006/43/EC, 2009/65/EC, 2009/138/EU, 2011/61/EU, EU/2013/36, 2014/65/EU, (EU) 2015/2366 and EU/2016/2341, COM/2020/596 final, COM (2020) 596 final, 2020/0268 (COD).
  • [13]
    Directive 2014/65/EU of the European Parliament and of the Council of 15 May 2014 on markets in financial instruments and amending Directive 2002/92/EC and Directive 2011/61/EU, J.O., L. 173, 12 juin 2014, p. 349-496.
  • [14]
    Proposal for a Regulation of the European Parliament and of the Council on a pilot regime for market infrastructures based on distributed ledger technology, COM/2020/594 final, COM (2020) 594 final, 2020/0267 (COD).
  • [15]
    ESMA report on The Distributed Ledger Technology Applied to Securities Markets, 2017; ESMA, Advice on ‘Initial Coin Offerings and Crypto-Assets’, 2019.
  • [16]
    EBA report with advice on crypto assets, 2019.
  • [17]
    Regulation (EU) No 909/2014 of the European Parliament and of the Council of 23 July 2014 on improving securities settlement in the European Union and on central securities depositories and amending Directives 98/26/EC and 2014/65/EU and Regulation (EU) No 236/2012, J.O., L. 257, 28 août 2014, p. 1-72.
  • [18]
    Regulation (EU) No 600/2014 of the European Parliament and of the Council of 15 May 2014 on markets in financial instruments and amending Regulation (EU) No 648/2012, J.O., L. 173, 12 juin 2014, p. 84-148.
  • [19]
    Communication from the Commission to the European Parliament, the Council, the European economic and social committee and the Committee of the regions on a Retail Payments Strategy for the EU, COM (2020) 592 final.
  • [20]
    Directive 98/26/EC of the European Parliament and of the Council of 19 May 1998 on settlement finality in payment and securities settlement systems, J.O., L. 166, 11 juin 1998, p. 45-50.
  • [21]
    Proposal for a Regulation of the European Parliament and of the Council on digital operational resilience for the financial sector and amending Regulations (EC) No 1060/2009, (EU) No 648/2012, (EU) No 600/2014 and (EU) No 909/2014, COM (2020) 595 final, 2020/0266 (COD).
  • [22]
    https://ec.europa.eu/info/publications/200924-digital-finance-proposals_en.
  • [23]
    Proposal for a Regulation of the European Parliament and of the Council on digital operational resilience for the financial sector and amending Regulations (EC) No 1060/2009, (EU) No 648/2012, (EU) No 600/2014 and (EU) No 909/2014, op. cit.
  • [24]
    Regulation (EU) 2020/1503 of the European parliament and of the Council of 7 October 2020 on European crowdfunding service providers for business and amending Regulation (EU) 2017/1129 and Directive (EU) 2019/1937, J.O., L. 347, 20 octobre 2020, p. 1-49.
  • [25]
    Ibid.
  • [26]
    Regulation (EU) 2017/1129 of the European Parliament and of the Council of 14 June 2017 on the prospectus to be published when securities are offered to the public or admitted to trading on a regulated market, J.O., L. 168, 30 juin 2017, p. 12-89.
  • [27]
    Regulation (EU) 2020/1503 of the European parliament and of the Council of 7 October 2020 on European crowdfunding service providers for business and amending Regulation (EU) 2017/1129 and Directive (EU) 2019/1937, op. cit.
  • [28]
    Projet de loi 7637 portant modification : 1° de la loi modifiée du 5 avril 1993 relative au secteur financier ; 2° de la loi du 6 avril 2013 relative aux titres dématérialisés déposé le 27 juillet 2020.
  • [29]
    Loi du 1er mars 2019 portant modification de la loi modifiée du 1er août 2001 concernant la circulation de titres, Mém. A / J.O.G.D.L. n° 111 du 5 mars 2019, p. A 43-1.
  • [30]
    Loi du 22 janvier 2021 portant modification : 1° de la loi modifiée du 5 avril 1993 relative au secteur financier ; 2° de la loi du 6 avril 2013 relative aux titres dématérialisés, Mém. A / J.O.G.D.L. n° 43 du 22 janvier 2021, p. A 43-1.
  • [31]
    Regulation (EU) No. 910/2014 of the European Parliament and of the Council of 23 July 2014 on electronic identification and trust services for electronic transactions in the internal market and repealing Directive 1999/93/EC, J.O., L. 257, 28 août 2014, p. 73-144.
  • [32]
    https://www.ecb.europa.eu/pub/pdf/other/Report_on_a_digital_euro~4d7268b458.en.pdf.
  • [33]
    https://www.ecb.europa.eu/press/pr/date/2020/html/ecb.pr200702~214c52c76b.en.html.
English

Digital migration. Remote working, shopping and socialising. Bitcoin goes through the roof [1]. Amazon buys its first planes [2]. Central bank digital currencies are hot discussion topics and they have even been launched in some countries [3]. While consumers become more reluctant to use cash, they become more open to alternatives. Regulatory texts need, if not to anticipate, then at least to follow such trends. Legislators are inspired by the technologies available and are innovating significantly in financial services.

Français

Migration digitale. Télétravail, -shopping et -socialisation. Le bitcoin bat tous les records [4]. Amazon achète ses premiers avions [5]. Les monnaies numériques émises par les banques centrales suscitent des débats et des projets ont même été lancés dans certains pays [6]. Alors que les consommateurs sont de plus en plus réticents à payer en liquide, ils deviennent plus ouverts aux alternatives. Les textes réglementaires doivent, sinon anticiper, du moins suivre ces tendances. Les législateurs s’inspirent des technologies disponibles et innovent considérablement dans le domaine des services financiers.

Uploaded: 09/18/2023

https://doi.org/10.3917/pinc.007.0007

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