The role played by ‘granular legal norms’ in the protection of vulnerable consumers.

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Autor: Pietro Sirena. Professor of Civil Law, European Private Law, and Comparative Private Law at Bocconi University. E-mail: pietro.sirena@unibocconi.it

Resumen: Este ensayo destaca cómo el impacto de las nuevas tecnologías en el comercio de servicios financieros es considerablemente alto hoy y está destinado a aumentar en el futuro. El desarrollo de la ley algorítmica tiene como objetivo idear nuevos procedimientos que permitan a las empresas y consumidores realizar transacciones, diseñados para que sean transparentes, confiables y convenientes. El advenimiento del análisis de Big Data, así como de las nuevas tecnologías predictivas, se ve como un cambio de una tipificación “en bruto” a una personalización “granular” de la ley.

Palabras clave: tecnologías; consumidores; ley

Abstract: This essay highlights how the impact of new technologies on trade in financial services is considerably high today and destined to increase in the future. The development of the algorithmic law is aimed at devising new procedures that allow businesses and consumers to perform transactions, designed to be transparent, reliable and convenient. The advent of Big Data analysis, as well as new predictive technologies, is seen as a change from a “raw” typing to a “granular” personalization of law.

Key Words: technologies; consumers; law

Sumario:
I. THE ADVENT OF A DIGITAL LAW.
II. THE TREND TOWARDS THE PERSONALIZATION OF PRIVATE LAW: FROM THE ‘AVERAGE CONSUMER ’ TO THE ‘ IMAGES OF THE CONSUMER ’.
III. THE DISCOURSE ON GRANULAR LEGAL NORMS (PARTICULARLY WITH REGARD TO THE DUTIES OF DISCLOSURE PROVIDED BY EUROPEAN CONTRACT LAW).
IV. THE PERSONALIZATION OF FINANCIAL SERVICES: THE KNOW- YOUR- CUSTOMER RULE IN INVESTMENT SERVICES.
1. The know-your-customer rule in insurance services.
2. The know-your-customer rule in credit banking.
V. SOME FINAL REMARKS.

Revista indexada en SCOPUS (Q3), REDIB, ANVUR (Clase “A”), LATINDEX, CIRC (B), MIAR.

Referencia: Actualidad Jurídica Iberoamericana Nº 16 bis, junio 2022, ISSN: 2386-4567, pp. 3290-3317

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