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Cybercriminals are constantly looking for ways to deceive users of financial services, stealing valuable information from victims or infiltrating their devices to steal information. On the surface, there is no lack of commitment from the authorities to protect consumers. Last November, the Bank of Italy, Abi and the National Police joined a cybersecurity awareness campaign promoted at the European level to prevent online scams.
In mid-March, on the occasion of World Consumer Rights Day, Luigi Federico Signorini, Governor of the Bank of Italy and President of Ivass, recalled in a speech before the Parliamentary Inquiry Committee on Consumer and User Protection, The Bank of Italy is entrusted with the protection of the banking and payment services sectorThis task is defined as challenging because in these areas the ability of consumers to protect themselves is hampered by the apparent existence of information asymmetries and complexity that make it difficult for consumers to recognize their rights. This also seems to apply to the fraudulent use of payment instruments and services.
IIn this context, on March 3 last year, the Conciliatore Bancario Finanziario (an association created to resolve banking and financial disputes involving banks and post offices) Based on discussions with the Bank of Italy, it has provided advice and instructions to intermediaries to draft documented, ABF-validated defence briefs in order to avoid succumbing in appeals filed by customers who have been defrauded following unknown online transactions on their bank cards or current accounts.
Unfortunately, we are not aware that a detailed manual has been provided to defrauded customers by those responsible for protecting them, althoughA common rationale is to assign the risk of fraudulent use of bank cards and payment instruments to intermediaries as a business risk.
and considers that the regulatory dimension reiterated during the proceedings (Legislative Decree No. 11/2010), Customers can simply reject disputed payment transactions immediately; Generally speaking, framework contracts require a free written form, rather than immediate prior notice, as is often imposed in practice, and their content emphasizes some breach of contract by the user himself, but never by possible breach of contract by the intermediary (Article 9).
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