Books by Maddalena Rabitti
intelligenza artificiale e diritto: una rivoluzione?, 2022
La tecnologia applicata alla governance del rischio finanziario induce ad approfondire i temi del... more La tecnologia applicata alla governance del rischio finanziario induce ad approfondire i temi del RegTech e Suptech, avendo riguardo al Pacchetto normativo sulla Finanza Digitale e all'AI ACt in corso di approvazione.
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Rivista di diritto bancario , 2020
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Articles by Maddalena Rabitti
EBLR, 2021
this Article aims to conceptualize the figure of the digital-financial payment consumer, which co... more this Article aims to conceptualize the figure of the digital-financial payment consumer, which combines two separate-and ex se relevant-sources of vulnerability: digital vulnerability and financial vulnerability. the first part,-after summarizing the legal framework on digitizing payment, the social context and the policy lines-deals with the need of applying the concept of "neutrality of regulation" to avoid possible conflicts of rules between interconnected ecosystems, such as digital payments, digital platforms and blockchain. Having consumer protection in mind, it also addresses the cumulative and coherent application of different sets of rules. the second part looks in more detail at digital-financial consumer vulnerability, describing the possible implications at regulatory level and the consequences that this new kind of vulnerability brings at the level of political choices, the obligations of financial players and the conduct of a consumer who is part of a payment service contract, adopting both the point of view of public law (in terms of policy choices) and private law (intersubjective relations). the article concludes that, among the different sources of vulnerability, age appears to be the key issue when assessing the vulnerability of digital payment consumers. Once detected, this new kind of vulnerability is specifically relevant to the banks's disclosure obligations (which should be synthetic and selective), and in terms of product design and product governance (companies should "tailor" their products specifically to the group's customer profile they intend to reach). On the consumer side, the same behaviour should be assessed differently depending on the specific vulnerability of the consumer involved. the paper deals here with the level of gross negligence in case of unauthorized digital payment (phishing).
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RTDE, 2022
La Comunicazione della Banca d’Italia del 15 giugno 2022 in materia di tecnologie decentralizzat... more La Comunicazione della Banca d’Italia del 15 giugno 2022 in materia di tecnologie decentralizzate nella finanza e cripto-attività costituisce l’occasione per svolgere alcune considerazioni sugli obiettivi e le tecniche di supervisione del mercato digitale. In primo luogo, si auspica il superamento del principio di neutralità tecnologica e si ritiene legittimo che la tecnologia più affidabile sul mercato essa possa essere raccomandata dalle Autorità di Vigilanza. Inoltre si considera che la cooperazione tra imprese e autorità possa tradursi in forme di co-regolazione e co-compliance, preferibili rispetto a interventi legislativi dall’alto.
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L'Arco di Giano, 2008
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Book Chapters by Maddalena Rabitti
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Papers by Maddalena Rabitti
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Books by Maddalena Rabitti
Articles by Maddalena Rabitti
Book Chapters by Maddalena Rabitti
Papers by Maddalena Rabitti