Rivista del Diritto Commerciale e del diritto generale delle Obbligazioni

Abstract: «Machine over man, Spock? It was impressive. It might even be practical. Practical, Captain? Perhaps. But non desirable. Computers make excellent and efficient servants, but I have no wish to serve under them.» (Star Trek, The Ultimate Computer, 1968) New technologies on the banking market – The author examines the impact of new technologies on the banking market, in particular by analyzing the role of credit platforms and the widespread use of algorithmic credit scoring, seeking to understand their implications for competition and the possible impact of these changes in credit lending practices on the regulation of contractual relationships with customers.  

Summary: 1. Nuove tecnologie e mercato bancario: tre temi. – 2. Il fenomeno delle marketplace lending. – 3. Segue: la natura sostanzialmente bancaria dell’attività delle piattaforme e le implicazioni che ne derivano. – 4. Il credit scoring algoritmico tra effetti virtuosi e potenziali rischi concorrenziali. – 5. La determinazione del costo dei finanziamenti: un problema di collusione algoritmica?  

Keywords: Banking market — New technologies — Marketplace lending — Credit scoring.