You pay the debt – and the SCHUFA entry acts as if it never saw the transfer. The BGH decided exactly this on 12/18/2025: “Delete immediately” is not automatic. But: The door is not closed. Question – Immediate Answer:Does SCHUFA…
Category: Banking Law
Liability for pushTAN Misuse: Recent Rulings Shift the Balance
Anyone who authorizes a payment via pushTAN in online banking legally agrees to a specific order – at least, that’s the banks’ ideal scenario. In practice, however, perpetrators exploit security vulnerabilities to push through transactions. The question then is no…
Underestimated Danger on the Smartphone – Smishing 2025 in Practice
An SMS, a tap on the link – and Apple Pay bookings rush through as if you had a company party at the Apple Store. Welcome to Smishing, the perfidious mixture of “SMS” and “Phishing”, which in 2025 is orchestrated…
