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Dr. Daniela Bankier explains how the directive aims to modernise consumer protection, address digital-era risks, and ensure more responsible lending across the EU. She summarised key changes, including stricter rules on pre-contractual information, stronger creditworthiness assessments, and new enforcement requirements.

In this session, we examined the stricter requirements that now apply to device financing, BNPL, and other small-value credit products, including enhanced disclosures and creditworthiness checks. We also reviewed the key implementation deadlines and the implications for telcos operating across multiple countries.