ConPolicy Newsletter 2021 - 5

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In today's issue ConPolicy informs you about: 

We wish you an exciting read!

Kind regards!

Your ConPolicy team

  News about ConPolicy

Invitation to two web seminars
Digitization and Sustainable Consumption in Teacher Trainings

On May 20 and 27, 2021, both from 12 am to 1 pm, ConPolicy and the Institute for Ecological Economy Research (IÖW) will host two web seminars about digitalization and sustainable consumption in teacher trainings. The first part on May 20 deals with 'Hardware and software'. The second part on May 27 will be on 'Online trade and marketing'. The seminars are intended for at training providers and other multipliers and interested people in the education sector.

The aim of the two web seminars is to encourage multipliers in the education sector to pay more attention to the interface between digitization and sustainable consumption. In addition to an overview of central contexts in the thematic field, practical advice on relevant educational materials and actors will be provided.

Find more information about the web seminars here.

To register, click here.

Last call for registrations
Invitation to the Online Consumer Research Forum 'Nudging in Consumer Policy' on June 08, 2021

On 08 June 2021, the Consumer, Market and Policy Research Center (CCMP) of Zeppelin University in cooperation with the ConPolicy Institute for Consumer Policy and the European University Institute (EUI) Florence will host the Online Consumer Research Forum 2021of the Ministry of Food, Rural Areas and Consumer Protection Baden-Württemberg (MLR). The event will take place from 12.30 until 16.30 pm.

The research forum will focus on the questions of what influence behavioral science findings have had on consumer policy in the last decade and to what extent behavioral science findings should continue to be taken into account in consumer policy in the coming years.

Keynote speaker Prof. Dr. Cass R. Sunstein (Robert Walmsley University Professor at Harvard) will introduce the topic. This will be followed by panel discussions on legal and practical issues related to the use of behavior-based tools. In a closing discussion, we will also provide an outlook with experts from the EU and federal level.

We welcome your registration by email at: ccmp@zu.de.
The program for the event can be found here.

Project on behalf of the Federation of German Consumer Organisations (vzbv)
New publication on PSD2 implementation in Germany

Just over a year ago, the Payment Services Directive (PSD2) became effective. It enables a range of new services. These include on the one hand account information services, which can help consumers better manage their finances. For example, these services break down how much is spent on restaurant visits, trips, or monthly fix costs. On the other hand, payment initiation services expand the choice of payment options and compete with more traditional methods such as credit cards.

On behalf of the Federation of German Consumer Organisations (vzbv), ConPolicy prepared a report on the implementation of the PSD2 in Germany from a consumer perspective. The report examines typical services as well as the providers’ underlying business models as part of an exemplary market overview of the different types of services encompassed by the PSD2.

Based on this market overview, the report subsequently analyses both the benefits as well as the problems and risks consumers experience as a result of PSD2. The guideline creates added values through an increase in user-friendliness of otherwise complex financial services as well as through an increase in competition, confidence, and security within the market.

Despite these positive aspects, the assessment also uncovered problems in the PSD2 market. Some of the providers’ business models are in discrepancy to consumer interests. This issue especially pertains to commission-based business models. It is further questionable whether users’ privacy is always protected.  

Based on this analysis, the assessment formulates recommendations for further action, for example for improved privacy protection and identifies future research needs.

The report has been published on the vzbv website and is available here.
Further information on the project can be found here

Media and other reporting on the project:
Handelsblatt // Consumer advocates criticize lack of data protection for account data

  Consumer policy news

Sustainability
Environmental and climate protection is also important for consumers during Corona

Today, the German Federal Ministry of the Environment, Nature Conservation and Nuclear Safety (BMU) and the Federal Environmental Agency (UBA)... Read more

Mobility
BEUC study finds that electric cars present cheapest option for many consumers even today

Today, the European consumer organization BEUC together with nine of its national member organizations published its new report on acquisition and... Read more

Digitalization
European Commission proposes new regulation for promoting and regulating AI

The European Commission presented a new legislative proposal today including specific rules and actions to promote the development of artificial... Read more

Digitalization
In Germany, 810 million text messages are sent and received every day

Today, the digital association Bitkom published the results of a representative survey on the use of text messages via SMS or messenger services such... Read more

  Recommended reading

Menkhoff, L. & D. Neuberger (Eds.)
Financial education: What should politicians do?

German consumers often save too little for retirement provision, their investments are insufficiently diversified and often low-yielding. In addition,... Read more

SVRV
Report on the situation of consumers in Germany

For its report, the German Advisory Council for Consumer Affairs (SVRV) empirically examined the situation of consumers in the areas of need of... Read more

Kenning P. & V. Zimmermann-Janssen
Consumer protection and digitization: Selected issues and current topics in the digital world

The progressing digitization also poses challenges for consumer policy and consumer protection. The aim of this article is to structure these... Read more

Bala, C. & K. Loer
Consumption and consumer policy und Verbraucherpolitik in the Federal Republic of Germany

This chapter describes and analyzes the development of consumption and consumer policy in the Federal Republic of Germany in the context of political,... Read more

Sunstein, C. & L. Reisch
Climate-friendly default rules

Careful attention to choice architecture promises to open up new possibilities for reducing greenhouse gas emissions—possibilities that go well... Read more

Scholz, R. et al. (Eds.)
DiDaT Weißbuch: Responsible handling of digital data – Orientations of a transdisciplinary process

Digitization is leading to a fundamental change in all areas of life. This has advantages, but also undesirable side effects. The project 'DiDaT –... Read more

Frick, V. et al.
When your shop says #lessismore. Online communication interventions for clothing sufficiency

To keep human resource consumption within planetary boundaries, individual consumption levels need to drop. The authors therefore investigated whether... Read more

Busch, C.
Regulation of digital platforms as infrastructures for services of general interest

Digital platforms such as Amazon, Google or Facebook have risen to become key players in the digitization of the economy and society within a few... Read more

Heidbrink, L. & S. Müller (eds.)
Consumer Social Responsibility – On the social responsibility of consumers

The term Consumer Social Responsibility (ConSR) has not yet been established in research and the public the same way that its counterpart has – the... Read more