Europejskie ramy prawne ochrony konsumenta na rynku bankowym – aktualne problemy i wyzwania związane z rozwojem nowych technologii
European Legal Framework for Consumer Protection in the Banking Market – Current Issues and Challenges Related to the Development of New Technologies

Summary/Abstract: Economic development driven by technical progress is causing the role of the financial sector (especially banking) to change dynamically in society. New services are being created rapidly, utilizing the latest technologies based on artificial intelligence (AI) and machine learning.This article analyzes the legal framework that determines the basic mechanisms of consumer protection in financial markets. Due to the dynamic pace of technical progress, the analysis will address individual areas of financial markets separately. Specifically, issues related to payment services, consumer credit, and consumer protection in capital markets will be examined in detail.Ultimately, the article will assess whether the aforementioned regulations optimally shape the rights and obligations of parties within financial markets, and whether they are adequate and responsive to the latest challenges posed by technological advancements, particularly in the field of AI.

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