DIRECTIVE 2014/92/EU and providing of affordable financial services in Latvia.


Петрова, Мариана (2019) DIRECTIVE 2014/92/EU and providing of affordable financial services in Latvia. Proceedings of the Vth (Anniversary) International Scientific Conference Dedicated to the International Day of the Seafarers “Modern Maritime Technologies, Problems of Social-Economic Development and Ways for Solving Them” Georgia, Batumi, 24 June, 2019. pp. 226-235


 Directive 2014/92/EU extends to all Member States of the EU where this Directive was implemented. Non-compliance or partial compliance with the Directive leads to discrimination of EU residents in the domestic market. The conditions of this Directive, as the results of the study in Bulgaria show, are not always fully applied – that is, not all banks provide EU residents with opportunity to open a settlement account without unnecessary bureaucracy or inform on their right to open such an account with all basic functions. This paper considers the accessibility of the information on the possibility of every EU resident to open one settlement account with all basic functions without undue delay and at an affordable cost, according to Directive 2014/92/EU, in credit institutions (banks) of Latvia. To achieve the purpose of the study, the analysis of websites of Latvian credit institutions was conducted as to how available the information on the service of opening a settlement account is. The methodology of the analysis was adapted from a similar Bulgarian study conducted in early 2019.
  Доклад
 Access to payment accounts with basic features, Directive 2014/92/EU, open payment account in EU, open payment account in Latvia


Социални, стопански и правни науки
Социални, стопански и правни науки Администрация и управление
Природни науки, математика и информатика Информатика и компютърни науки

Social sciences, economic sciences and law
Social sciences, economic sciences and law Administration and Management
Natural sciences, mathematics and informatics Informatics and Computer Science

 Издадено
  26515
 Мариана Петрова

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