Citibank

More than a decade ago Spain was one of those countries in which starting a business was an experience which was very similar as undergoing a dental treatment during 2...Read more

This paper intends to provide an overview of the basics around payment cards as a financial product, commonly offered by banking entities and payment service providers, which hopefully is helpful...Read more

My most sincere apologies to those readers who are qualified in common law jurisdictions as this paper is mainly addressed to an audience of civil law-system lawyers who, as myself,...Read more

As with empires on which the sun never sets, big multi-national companies from diverse economic sectors which run different lines of businesses around the globe have to deal with many...Read more

The mobile payment revolution has started in our society and is already changing our ordinary lives by merging one of the oldest economic tools –money— with one of the most...Read more

1. The European Regulation on interchange fees’ cap to card based transactions, and its entry into force on 9 December 2015 2. Understanding the prohibition of circumventing the interchange fees’ cap 3. The Durbin...Read more

Consumers and shoppers in general, are increasingly using credit and debit cards to make payments for goods and services, leveraging the significant technical developments and breakthroughs in the field of...Read more

Whilst marketing departments are one of the main pillars of commercial activity of those companies dealing with consumer clients, our European Union legislators sometimes show a lack of sectorial knowledge...Read more

The current economic and financial situation is providing for interesting investment opportunities in consumer loan portfolios owned by banking entities in many countries. While these portfolios may comprise either performing...Read more