La regolazione europea dei pagamenti digitali

This chapter delves into the topic of digital payments in Europe and the regulatory landscape surrounding them. It sheds light on how technological advancements and the societal drive towards a cashless economy have accelerated the process of digitalization. The chapter is divided into two parts: the first part establishes a framework for digital payments and defines key terms. The second part discusses the shift from digital payments to the access to financial data. The chapter concludes by discussing the regulatory framework for digital payments in Europe, the challenges faced during the Payment Services Directive 2 review, and the ongoing regulatory developments.