La tutela del cliente de los servicios de pago en el contexto de la PS2D

Abstract

The creation of an efficient payment services market has been considered a fundamental requirement in the construction of the European Union’s single market. The European legislator, aware of its importance, set the first steps in this direction with the adoption of the First Payment Services Directive. However, the accelerating technological dynamism of the sector coupled with the need to provide a more reliable environment have highlighted the risks of regulatory obsolescence. In this context, the objectives of the PS2D seek to provide a more efficient and safer response to the challenges posed by the current development of the payment services market. This paper will examine these institutional developments, on the basis of which recent case law rulings on customer protection will be analysed.