Canada    FinTech Guide    Chapter 12    Italy

12. Online-Pawning
Italy  Italy

Despite a widespread positive inclination towards innovative tech-related solutions at the social level, times are not ripe (at all) to deliver any assessment of what the political attitude today is or in the next future may be. Furthermore, there is no public evidence of specific attempts to obstacle the development of the sector.

Legal Affairs

Being already authorized to carry banking activities (in general), banks– can provide pawning where a number of organizational, functional and financial requirements is met.

On the other hand, also other entitites (so called “agenzia di prestito su pegno”) can carry such activity out, benefitting from a relatively lighter regulatory treatment.

Economic Conditions

Data not retrieved. Consequently, as we do not have a clear picture of the size of the market and of its players, it is not possible to determine the competition trend.

Contributing Authors


Christoph Jenny
Milan, Italy

Portolano Cavallo

Manuela Cavallo
Rome, Italy

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Chapter Index:

1. Payment Services / Mobile Payment

2. Asset and Portfolio Management

3. Consulting and Broking Services / Robo-advisory / Auto-trading

4. Trading Platforms / Social Trading Platforms / Signal Following

5. Crowdfunding / Crowdinvesting / Crowdlending

6. Virtual Currency - Bitcoin

7. Loan Services / Factoring / Loan Broking / Finetrading

8. Online Banking Services

9. Analytics and Research / Data Management / Risk Management

10. Accounting

11. Identification

12. Online-pawning

13. InsurTech

14. RegTech

15. Initial Coin Offerings (ICOs)

The information in this guide provides a general overview at the time of publication and is not intended to be a comprehensive review of all legal developments nor should it be taken as opinion or legal advice on the matters covered. It is for general information purposes only and readers should take legal advice from a Multilaw member firm.

Publication Date: 1 May 2018