Internetowe platformy pośredniczące w zakresie usług finansowych

2017
journal article
article
dc.abstract.enThe purpose of the article is to investigate the types of online (digital) platforms dealing with financial services operating in Poland and to discuss their legal qualification. However, this is not about online services of banks or lending institutions that offer their own financial services online via websites. The subject of the analysis are online platforms, whose operators generally do not provide financial services themselves, and their activity is focused on the most broadly understood intermediation - at least facilitating the contact of "recipients" of such services with their "givers". This is in particular the case of comparison websites of payment, insurance, and consumer credit services. The first two have already been regulated in, respectively, directive 2014/92/EU of the European Parliament and of the Council of 23 July 2014 on the comparability of fees related to payment accounts, payment account switching and access to payment accounts with basic features, and directive (EU) 2016/97 of the European Parliament and of the Council of 20 January 2016 on insurance distribution (recast). As regards the consumer credit services, the most important question is whether the comparison websites as well as social lending platforms ("peer-to-peer lending platforms", "P2PL") can be declared as credit intermediary in the meaning of consumer credit directives (directive 2008/48/EC on credit agreements for consumers and directive 2014/17/EU on credit agreements for consumers relating to residential immovable property). Generally, in most cases the answer will be negative, taking into account the credit procedure (credit comparison websites) or the legal status of lenders and borrowers (P2PL platforms). Moreover, both financial services comparison websites and P2PL platforms have been analyzed in the light of academic draft of Directive on Online Intermediary Platforms. Platforms where contracts for the supply of financial services are concluded between a supplier and a customer, are so far excluded from the scope of the proposed directive. The conclusion of the article is that this exception can be justified by the specific nature of the financial services and the existence of the special European regulations dedicated to financial services.pl
dc.contributor.authorRogoń, Dominikapl
dc.date.accession2019-10-11pl
dc.date.accessioned2019-10-11T07:05:50Z
dc.date.available2019-10-11T07:05:50Z
dc.date.issued2017pl
dc.date.openaccess0
dc.description.accesstimew momencie opublikowania
dc.description.additionalBibliogr. s. 47pl
dc.description.number3pl
dc.description.physical17-48pl
dc.description.versionostateczna wersja wydawcy
dc.identifier.doi10.26106/7r7m-x561pl
dc.identifier.issn1641-1609pl
dc.identifier.projectROD UJ / OPpl
dc.identifier.urihttps://ruj.uj.edu.pl/xmlui/handle/item/84560
dc.identifier.weblinkhttp://www.transformacje.pl/wp-content/uploads/2017/11/tpp_3-2017_rogon.pdfpl
dc.languagepolpl
dc.language.containerpolpl
dc.rightsDozwolony użytek utworów chronionych*
dc.rights.licenceOTHER
dc.rights.urihttp://ruj.uj.edu.pl/4dspace/License/copyright/licencja_copyright.pdf*
dc.share.typeotwarte czasopismo
dc.subtypeArticlepl
dc.titleInternetowe platformy pośredniczące w zakresie usług finansowychpl
dc.title.alternativeOnline intermediary platforms in a field of financial servicespl
dc.title.journalTransformacje Prawa Prywatnegopl
dc.typeJournalArticlepl
dspace.entity.typePublication
dc.abstract.enpl
The purpose of the article is to investigate the types of online (digital) platforms dealing with financial services operating in Poland and to discuss their legal qualification. However, this is not about online services of banks or lending institutions that offer their own financial services online via websites. The subject of the analysis are online platforms, whose operators generally do not provide financial services themselves, and their activity is focused on the most broadly understood intermediation - at least facilitating the contact of "recipients" of such services with their "givers". This is in particular the case of comparison websites of payment, insurance, and consumer credit services. The first two have already been regulated in, respectively, directive 2014/92/EU of the European Parliament and of the Council of 23 July 2014 on the comparability of fees related to payment accounts, payment account switching and access to payment accounts with basic features, and directive (EU) 2016/97 of the European Parliament and of the Council of 20 January 2016 on insurance distribution (recast). As regards the consumer credit services, the most important question is whether the comparison websites as well as social lending platforms ("peer-to-peer lending platforms", "P2PL") can be declared as credit intermediary in the meaning of consumer credit directives (directive 2008/48/EC on credit agreements for consumers and directive 2014/17/EU on credit agreements for consumers relating to residential immovable property). Generally, in most cases the answer will be negative, taking into account the credit procedure (credit comparison websites) or the legal status of lenders and borrowers (P2PL platforms). Moreover, both financial services comparison websites and P2PL platforms have been analyzed in the light of academic draft of Directive on Online Intermediary Platforms. Platforms where contracts for the supply of financial services are concluded between a supplier and a customer, are so far excluded from the scope of the proposed directive. The conclusion of the article is that this exception can be justified by the specific nature of the financial services and the existence of the special European regulations dedicated to financial services.
dc.contributor.authorpl
Rogoń, Dominika
dc.date.accessionpl
2019-10-11
dc.date.accessioned
2019-10-11T07:05:50Z
dc.date.available
2019-10-11T07:05:50Z
dc.date.issuedpl
2017
dc.date.openaccess
0
dc.description.accesstime
w momencie opublikowania
dc.description.additionalpl
Bibliogr. s. 47
dc.description.numberpl
3
dc.description.physicalpl
17-48
dc.description.version
ostateczna wersja wydawcy
dc.identifier.doipl
10.26106/7r7m-x561
dc.identifier.issnpl
1641-1609
dc.identifier.projectpl
ROD UJ / OP
dc.identifier.uri
https://ruj.uj.edu.pl/xmlui/handle/item/84560
dc.identifier.weblinkpl
http://www.transformacje.pl/wp-content/uploads/2017/11/tpp_3-2017_rogon.pdf
dc.languagepl
pol
dc.language.containerpl
pol
dc.rights*
Dozwolony użytek utworów chronionych
dc.rights.licence
OTHER
dc.rights.uri*
http://ruj.uj.edu.pl/4dspace/License/copyright/licencja_copyright.pdf
dc.share.type
otwarte czasopismo
dc.subtypepl
Article
dc.titlepl
Internetowe platformy pośredniczące w zakresie usług finansowych
dc.title.alternativepl
Online intermediary platforms in a field of financial services
dc.title.journalpl
Transformacje Prawa Prywatnego
dc.typepl
JournalArticle
dspace.entity.type
Publication
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