| Tables | p. xiii |
| Preface | p. xv |
| Tables of legislation | p. xix |
| Table of EU legislation | p. xxvii |
| Table of international conventions | p. xxxvi |
| Table of cases | p. xxxvii |
| Abbreviations | p. xliii |
| Introduction | p. 1 |
| Introduction to electronic finance and Internet banking | p. 5 |
| Internet banking in Europe: basic concepts and recent trends | p. 7 |
| The Internet as catalyst of international financial integration | p. 7 |
| Internet banking in Europe | p. 20 |
| The legal foundations of electronic banking activities | p. 29 |
| The banker-customer relationship | p. 29 |
| Electronic finance and credit | p. 40 |
| Online securities trading | p. 42 |
| Online banking and international market access: The causes of incomplete financial integration and what to do about them | p. 49 |
| Legal barriers and necessary regulatory reforms | p. 51 |
| The causes of incomplete European integration in online financial services | p. 51 |
| International governance of cross-border electronic commerce and finance | p. 63 |
| EU policies affecting electronic commerce in financial services | p. 73 |
| The governance of the European market in cross-border electronic banking activities | p. 82 |
| Introduction | p. 82 |
| Institutional foundations of the single European market in financial services | p. 84 |
| Mutual recognition of national laws as institutional principle | p. 86 |
| Mutual recognition beyond the EC Treaty: 'home country' control in various forms as institutional anchor of the single financial market | p. 99 |
| Minimum harmonization of national laws and enforcement practices as prerequisites of mutual recognition of national laws and 'home country' control | p. 123 |
| EU harmonization and convergence of national laws relating to electronic banking activities | p. 135 |
| Risks and regulatory concerns relating to electronic banking activities and the convergence of national prudential regulatory standards | p. 137 |
| Convergence of national laws and the notion of 'general good' in the single European market | p. 137 |
| Risks and prudential regulatory concerns caused by electronic banking activities | p. 148 |
| Non-EU international initiatives of legal harmonization concerning electronic banking activities | p. 150 |
| EU harmonization measures in the field of prudential banking regulation | p. 154 |
| The prudential regulation of electronic banking activities in key European countries | p. 156 |
| EU measures of legal harmonization concerning electronic commerce and distance marketing of financial services, data protection, banking contracts and investor protection | p. 165 |
| E-commerce and distance marketing of financial services | p. 165 |
| Privacy and data protection | p. 179 |
| The harmonization of national laws of banking contracts | p. 183 |
| Online bank loans and the Consumer Credit Directive | p. 205 |
| Convergence of national laws regulating the provision of online investment services | p. 213 |
| Assessing the level of convergence of national laws regulating Internet banking | p. 226 |
| Applicable law and allocation of regulatory responsibility in cross-border electronic banking activities | p. 229 |
| Cross-border Internet banking and the principle of 'home country' control in the EU Financial Services Directives | p. 231 |
| Introduction | p. 231 |
| Cross-border Internet banking without the benefit of 'home country' regulation and supervision | p. 232 |
| Mutual recognition of national laws on the basis of 'home country' control in the Banking and Investment Services Directives | p. 237 |
| The notion of 'general good' in the Banking Consolidation Directive | p. 242 |
| 'Host country' powers to apply domestic laws in non-prudential matters | p. 243 |
| Mutual recognition of national laws under the principle of 'country of origin' of the Electronic Commerce Directive | p. 262 |
| Scope of application of the 'country of origin' rule | p. 262 |
| The 'coordinated field' | p. 266 |
| The implementation of the 'country of origin' principle | p. 278 |
| The case-by-case derogation of Article 3(4)-(6) | p. 281 |
| The normative impact of the principle of 'country of origin' | p. 286 |
| Applicable law and jurisdiction in cross-border electronic banking contracts | p. 289 |
| International contracts, conflicts of laws and European financial integration | p. 290 |
| Choice of law and choice of jurisdiction in cross-border banking contracts | p. 292 |
| Choice of law and forum in consumer contracts | p. 296 |
| Choice of law and the impact of mandatory rules | p. 305 |
| Conclusions | p. 310 |
| Select bibliography | p. 319 |
| Index | p. 339 |
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