{"id":4548,"date":"2023-12-08T12:46:02","date_gmt":"2023-12-08T11:46:02","guid":{"rendered":"https:\/\/blogs.dlapiper.com\/advocatus\/?p=4548"},"modified":"2023-12-08T13:04:07","modified_gmt":"2023-12-08T12:04:07","slug":"vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere","status":"publish","type":"post","link":"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/","title":{"rendered":"\u201eV\u00e1s\u00e1rolj most, fizess k\u00e9s\u0151bb!\u201d A BNPL- szolg\u00e1ltat\u00e1s h\u00e1ttere"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4548\" class=\"elementor elementor-4548\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aa96613 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aa96613\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-821b934\" data-id=\"821b934\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-09afbcb elementor-widget elementor-widget-spacer\" data-id=\"09afbcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-679c167 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"679c167\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-95483cd\" data-id=\"95483cd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ad03b9c elementor-widget elementor-widget-text-editor\" data-id=\"ad03b9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>A magyar e-kereskedelmi piacon is egyre ink\u00e1bb teret nyer a BNPL (<em>Buy Now, Pay Later<\/em>) megold\u00e1s, amely halasztott fizet\u00e9st tesz lehet\u0151v\u00e9 a fogyaszt\u00f3 sz\u00e1m\u00e1ra. A szolg\u00e1ltat\u00e1s hazai szab\u00e1lyz\u00e1s\u00e1r\u00f3l \u00e9s az esetleges kock\u00e1zatokr\u00f3l F\u00e1bi\u00e1n Fanny, a DLA Piper Hungary \u00fcgyv\u00e9djel\u00f6ltje k\u00e9sz\u00edtett \u00f6sszefoglal\u00f3t.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-26c5c47 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"26c5c47\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e56dad7\" data-id=\"e56dad7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b4552b6 elementor-widget elementor-widget-text-editor\" data-id=\"b4552b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A BNPL-szolg\u00e1ltat\u00e1s egy olyan fizet\u00e9si megold\u00e1s, amely lehet\u0151v\u00e9 teszi, hogy a fogyaszt\u00f3 k\u00e9sleltetve, \u00e1ltal\u00e1ban 2-4 h\u00e9ttel vagy ak\u00e1r p\u00e1r h\u00f3nappal a v\u00e1s\u00e1rl\u00e1st k\u00f6vet\u0151en fizesse ki a megv\u00e1s\u00e1rolt term\u00e9k vagy szolg\u00e1ltat\u00e1s \u00e1r\u00e1t. A v\u00e1s\u00e1rl\u00f3 ak\u00e1r t\u00f6bb egyenl\u0151 r\u00e9szletben (s\u0151t, bizonyos felt\u00e9telek teljes\u00fcl\u00e9se mellett kamatmentesen) fizethet, a v\u00e9tel\u00e1rat pedig a keresked\u0151 helyett a BNPL-szolg\u00e1ltat\u00f3 fel\u00e9 egyenl\u00edti ki. Ezzel a BNPL-szolg\u00e1ltat\u00f3 be\u00e9p\u00fcl az online v\u00e1s\u00e1rl\u00e1s folyamat\u00e1ba: a megv\u00e1s\u00e1rolt term\u00e9k vagy szolg\u00e1ltat\u00e1s teljes ellen\u00e9rt\u00e9k\u00e9t kifizeti a keresked\u0151nek, majd ezt az \u00f6sszeget k\u00e9s\u0151bb beszedi a v\u00e1s\u00e1rl\u00f3t\u00f3l.<\/p><p>A BNPL egyik nagy \u00faj\u00edt\u00e1sa a klasszikus \u00e1ruhitellel, hitelk\u00e1rtya- \u00e9s szabad felhaszn\u00e1l\u00e1s\u00fa hitelterm\u00e9kekkel szemben, hogy olyan \u00faj fogyaszt\u00f3i k\u00f6rt is bevonhat a szolg\u00e1ltat\u00e1sba, akik r\u00e9sz\u00e9re valamilyen okn\u00e1l fogva nem el\u00e9rhet\u0151ek ezek a klasszikus megold\u00e1sok. A szolg\u00e1ltat\u00e1s azonban kock\u00e1zatokkal is j\u00e1rhat \u2013 a Magyar Nemzeti Bank (MNB) m\u00e1r a kor\u00e1bban felh\u00edvta a figyelmet arra, hogy a BNPL hozz\u00e1j\u00e1rulhat a megfontolatlan v\u00e1s\u00e1rl\u00e1shoz, t\u00falzott elad\u00f3sod\u00e1shoz, illetve, hogy egyes fogyaszt\u00f3v\u00e9delmi szempontok nem \u00e9rv\u00e9nyes\u00fclnek a szolg\u00e1ltat\u00e1ssal kapcsolatban.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1208008 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1208008\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2f0a557\" data-id=\"2f0a557\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-682f6f8 elementor-widget elementor-widget-image\" data-id=\"682f6f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"605\" height=\"256\" src=\"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2023\/12\/BNPL.png\" class=\"attachment-full size-full wp-image-4551\" alt=\"BNPL\" srcset=\"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2023\/12\/BNPL.png 605w, https:\/\/blogs.dlapiper.com\/advocatus\/files\/2023\/12\/BNPL-300x127.png 300w\" sizes=\"(max-width: 605px) 100vw, 605px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d883fa3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d883fa3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-11bdf35\" data-id=\"11bdf35\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e4e50da elementor-widget elementor-widget-spacer\" data-id=\"e4e50da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0be7ae2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0be7ae2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-095aee2\" data-id=\"095aee2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-da8b9a6 elementor-widget elementor-widget-text-editor\" data-id=\"da8b9a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Fogyaszt\u00f3v\u00e9delmi szempontok tiszt\u00e1z\u00e1sa<\/strong><\/p>\n<p>A jelenleg m\u00e9g hat\u00e1lyos fogyaszt\u00f3i hitelekr\u0151l sz\u00f3l\u00f3 2008\/48\/EK ir\u00e1nyelv nem alkalmazand\u00f3 azokra a hitelmeg\u00e1llapod\u00e1sokra, amelyek nem \u00e9rik el az ir\u00e1nyelvben r\u00f6gz\u00edtett 200 eur\u00f3s \u00e9rt\u00e9khat\u00e1rt, vagy az olyan hitelmeg\u00e1llapod\u00e1sokra, amelyek alapj\u00e1n a hitel mentes a kamatt\u00f3l \u00e9s egy\u00e9b d\u00edjakt\u00f3l. Nem alkalmazand\u00f3 olyan hitelmeg\u00e1llapod\u00e1sokra sem, amelyeknek \u00e9rtelm\u00e9ben a fogyaszt\u00f3nak h\u00e1rom h\u00f3napon bel\u00fcl \u00e9s kiz\u00e1r\u00f3lag jelent\u00e9ktelen \u00f6sszeg\u0171 d\u00edjakkal kell a hitelt visszafizetnie. Mindezek k\u00f6vetkezt\u00e9ben azonban bizonyos fogyaszt\u00f3v\u00e9delmi k\u00f6telezetts\u00e9gek (pl. t\u00f6bblett\u00e1j\u00e9koztat\u00e1s) sem vonatkoznak a BNPL-szolg\u00e1ltat\u00f3kra.<\/p>\n<p>A fogyaszt\u00f3v\u00e9delmi k\u00e9rd\u00e9sek tiszt\u00e1z\u00e1sa \u00e9rdek\u00e9ben az Eur\u00f3pai Bizotts\u00e1g 2023. okt\u00f3ber\u00e9ben elfogadta a fogyaszt\u00f3i hitelmeg\u00e1llapod\u00e1sokr\u00f3l \u00e9s a 2008\/48\/EK ir\u00e1nyelv hat\u00e1lyon k\u00edv\u00fcl helyez\u00e9s\u00e9r\u0151l sz\u00f3l\u00f3 2023\/2225\/EU ir\u00e1nyelvet. &nbsp;A m\u00f3dos\u00edt\u00e1s \u00e9rtelm\u00e9ben az ir\u00e1nyelv hat\u00e1lya al\u00f3l nem z\u00e1rhat\u00f3k ki azok a l\u00edzingszerz\u0151d\u00e9sek \u00e9s a foly\u00f3sz\u00e1mlahitel form\u00e1j\u00e1ban fenn\u00e1ll\u00f3 hitelmeg\u00e1llapod\u00e1sok, amelyek alapj\u00e1n a hitelt egy h\u00f3napon bel\u00fcl vissza kell fizetni, valamint az olyan hitelmeg\u00e1llapod\u00e1sok, amelyek alapj\u00e1n a hitel mentes a kamatt\u00f3l \u00e9s egy\u00e9b d\u00edjakt\u00f3l. Ezzel a fogyaszt\u00f3v\u00e9delmi el\u0151\u00edr\u00e1sok a <em>\u201eV\u00e1s\u00e1rolj most, fizess k\u00e9s\u0151bb\u201d<\/em> t\u00edpus\u00fa megold\u00e1sokra, valamint az olyan hitelmeg\u00e1llapod\u00e1sokra is alkalmazand\u00f3k, amelyek \u00e9rtelm\u00e9ben a hitelt h\u00e1rom h\u00f3napon bel\u00fcl \u00e9s kiz\u00e1r\u00f3lag jelent\u00e9ktelen \u00f6sszeg\u0171 d\u00edjakkal kell visszafizetni. Ezen t\u00falmen\u0151en valamennyi 100 000 eur\u00f3ig terjed\u0151 hitelmeg\u00e1llapod\u00e1st az ir\u00e1nyelv hat\u00e1lya al\u00e1 kell vonni.<\/p>\n<p>Az ir\u00e1nyelv azonban nem vonatkozik azokra a fizet\u00e9sekre, amelyek eset\u00e9ben<\/p>\n<ul>\n<li>a term\u00e9k\u00e9rt\u00e9kes\u00edt\u0151 vagy a szolg\u00e1ltat\u00f3 \u2013 an\u00e9lk\u00fcl, hogy harmadik f\u00e9l hitelt k\u00edn\u00e1lna \u2013 id\u0151t biztos\u00edt a fogyaszt\u00f3nak az \u00e9rt\u00e9kes\u00edtett term\u00e9kek vagy a ny\u00fajtott szolg\u00e1ltat\u00e1s kifizet\u00e9s\u00e9re,<\/li>\n<li>a v\u00e9tel\u00e1rat kamatmentesen \u00e9s b\u00e1rmely egy\u00e9b d\u00edj n\u00e9lk\u00fcl, illetve a k\u00e9sedelmes fizet\u00e9s miatt a nemzeti joggal \u00f6sszhangban kiszabott, korl\u00e1tozott m\u00e9rt\u00e9k\u0171 d\u00edjakkal kell kiegyenl\u00edteni, \u00e9s<\/li>\n<li>a kifizet\u00e9st teljes eg\u00e9sz\u00e9ben a term\u00e9k\u00e9rt\u00e9kes\u00edt\u00e9st\u0151l vagy a szolg\u00e1ltat\u00e1sny\u00fajt\u00e1st\u00f3l sz\u00e1m\u00edtott 50 napon bel\u00fcl kell teljes\u00edteni.<\/li>\n<\/ul>\n<p>A k\u00e9t konstrukci\u00f3 k\u00f6z\u00f6tti k\u00fcl\u00f6nbs\u00e9g teh\u00e1t, hogy a <em>\u201eV\u00e1s\u00e1rolj most, fizess k\u00e9s\u0151bb\u201d<\/em> t\u00edpus\u00fa megold\u00e1sok eset\u00e9ben bel\u00e9p egy harmadik f\u00e9l, a BNPL-szolg\u00e1ltat\u00f3, aki kiz\u00e1r\u00f3lag azzal a c\u00e9llal ny\u00fajt hitelt a fogyaszt\u00f3nak, hogy az az \u00e9rt\u00e9kes\u00edt\u0151 \u00e1ltal ny\u00fajtott term\u00e9keket vagy szolg\u00e1ltat\u00e1sokat v\u00e1s\u00e1roljon meg, m\u00edg az ir\u00e1nyelv hat\u00e1lya al\u00f3l kiker\u00fclt, halasztott fizet\u00e9si konstrukci\u00f3 eset\u00e9ben nincs a term\u00e9kre vagy szolg\u00e1ltat\u00e1sra hitelt k\u00edn\u00e1l\u00f3 harmadik f\u00e9l.<\/p>\n<p>Az \u00faj ir\u00e1nyelv \u00e1t\u00fcltet\u00e9s\u00e9re 2025. november 20-ig ny\u00edlik lehet\u0151s\u00e9g a tag\u00e1llamok sz\u00e1m\u00e1ra, az \u00fajonnan \u00e1t\u00fcltetett tag\u00e1llami szab\u00e1lyokat pedig majd 2026. november 20-t\u00f3l kezd\u0151d\u0151en kell alkalmazni.<\/p>\n<p><strong>Jelenlegi megk\u00f6zel\u00edt\u00e9sek<\/strong><\/p>\n<p>Vitathatatlan, hogy egy rendk\u00edv\u00fcl praktikus megold\u00e1sr\u00f3l van sz\u00f3, azonban \u00e9rdemes kell\u0151 figyelmet ford\u00edtani a BNPL-szolg\u00e1ltat\u00e1sokkal kapcsolatos, a szab\u00e1lyoz\u00e1s jelenlegi hi\u00e1nyoss\u00e1gaib\u00f3l ered\u0151 kock\u00e1zatokra. Mint azt az MNB is hangs\u00falyozta kor\u00e1bban, a jelenlegi \u00e9rtelmez\u00e9s szerint a szolg\u00e1ltat\u00e1s m\u00f6g\u00f6tt megh\u00faz\u00f3d\u00f3 konstrukci\u00f3 t\u00f6bbs\u00e9g\u00e9ben kereskedelmi k\u00f6lcs\u00f6nny\u00fajt\u00e1si, halasztott fizet\u00e9si tev\u00e9kenys\u00e9g ny\u00fajt\u00e1s\u00e1ra \u00e9p\u00fcl, ami a Hpt. alapj\u00e1n \u2013 amennyiben azt nem p\u00e9nz\u00fcgyi int\u00e9zm\u00e9ny ny\u00fajtja \u2013 nem tartozik a p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00e1sok k\u00f6r\u00e9be, \u00e9s \u00edgy az MNB fel\u00fcgyelete al\u00e1 sem. Emiatt pedig nem \u00e9rv\u00e9nyes\u00fclnek bizonyos korl\u00e1tok sem a szolg\u00e1ltat\u00e1sny\u00fajt\u00e1ssal kapcsolatban, amelyek kifejezetten fogyaszt\u00f3v\u00e9delmi c\u00e9lt szolg\u00e1lnak.<\/p>\n<p><strong>Szigor\u00fabb el\u0151\u00edr\u00e1sok a rekl\u00e1mokn\u00e1l?<\/strong><\/p>\n<p>Ugyan az \u00faj 2023\/2225\/EU ir\u00e1nyelv a tag\u00e1llamokra b\u00edzza, hogy el\u0151\u00edrj\u00e1k-e a hitelmeg\u00e1llapod\u00e1sokra \u2013 ide\u00e9rtve a BNPL-szolg\u00e1ltat\u00e1st is \u2013 vonatkoz\u00f3 rekl\u00e1mok \u00e9s marketingk\u00f6zlem\u00e9nyek tekintet\u00e9ben, hogy tisztess\u00e9gesek \u00e9s egy\u00e9rtelm\u0171ek legyenek, azonban minden esetben figyelembe kell venni a 2005\/29\/EK ir\u00e1nyelv (\u201eUCP ir\u00e1nyelv\u201d) rendelkez\u00e9seit is. A tag\u00e1llami szab\u00e1lyoz\u00e1son m\u00falik teh\u00e1t, hogy el\u0151\u00edrnak-e az UCP ir\u00e1nyelvben r\u00f6gz\u00edtettn\u00e9l szigor\u00fabb m\u00e9rc\u00e9t a rekl\u00e1m- \u00e9s marketing tev\u00e9kenys\u00e9gekre. Tilos azonban az olyan megfogalmaz\u00e1s, amely a hitel el\u00e9rhet\u0151s\u00e9ge, k\u00f6lts\u00e9ge, vagy a fogyaszt\u00f3 \u00e1ltal fizetend\u0151 teljes \u00f6sszeg tekintet\u00e9ben t\u00e9ves v\u00e1rakoz\u00e1sokat kelthet a fogyaszt\u00f3ban.<\/p>\n<p><strong>Magyarorsz\u00e1gon is egyre n\u00e9pszer\u0171bb<\/strong><\/p>\n<p>Itthon is egyre t\u00f6bb szolg\u00e1ltat\u00f3 k\u00edn\u00e1lja a v\u00e1ltozatosabbn\u00e1l-v\u00e1ltozatosabb, halasztott fizet\u00e9si megold\u00e1sait, r\u00e1ad\u00e1sul az el\u0151rejelz\u00e9sek szerint Magyarorsz\u00e1gon 2024-ben v\u00e1rhat\u00f3 a piac igazi berobban\u00e1sa a szolg\u00e1ltat\u00f3kkal szerz\u0151d\u00f6tt webshopok folyamatos gyarapod\u00e1s\u00e1val p\u00e1rhuzamosan.<\/p>\n<p>A piacra l\u00e9p\u00e9s el\u0151tt azonban \u00e9rdemes a szolg\u00e1ltat\u00f3knak k\u00f6r\u00fcltekint\u0151en elj\u00e1rnia, hiszen \u2013 ahogy a fentiekb\u0151l is kirajzol\u00f3dik \u2013 a szab\u00e1lyoz\u00e1s tekintet\u00e9ben igen komplex ter\u00fcletr\u0151l van sz\u00f3, r\u00e1ad\u00e1sul a BNPL-szolg\u00e1ltat\u00e1sra vonatkoz\u00f3 k\u00f6vetelm\u00e9nyek \u00e9s az illet\u00e9kes hat\u00f3s\u00e1g jogalkalmaz\u00e1si gyakorlatai orsz\u00e1gonk\u00e9nt elt\u00e9r\u0151ek lehetnek.<\/p><p><i>Szerz\u0151: F\u00e1bi\u00e1n Fanny<\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7ad673d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ad673d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-67241dd\" data-id=\"67241dd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ce30979 elementor-widget elementor-widget-spacer\" data-id=\"ce30979\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bcd0e8f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bcd0e8f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1e01f81\" data-id=\"1e01f81\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-82511e2 elementor-flip-box--direction-left elementor-flip-box--effect-flip elementor-widget elementor-widget-global elementor-global-4550 elementor-widget-flip-box\" data-id=\"82511e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"flip-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-flip-box\" tabindex=\"0\">\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__front\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__image\">\n\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/blogs.dlapiper.com\/advocatus\/files\/elementor\/thumbs\/DLA-Piper-Hungary-23-qgia2ybimwc0216okrvofyixar8wzavh53srvwyoog.png\" title=\"F\u00e1bi\u00e1n Fanny\" alt=\"F\u00e1bi\u00e1n Fanny\" loading=\"lazy\" \/>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-flip-box__layer__title\">\n\t\t\t\t\t\t\t\tF\u00e1bi\u00e1n Fanny\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__layer__description\">\n\t\t\t\t\t\t\t\t\u00dcgyv\u00e9djel\u00f6lt,<p>Junior Associate\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__back\">\n\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-flip-box__layer__title\">\n\t\t\t\t\t\t\tF\u00e1bi\u00e1n Fanny\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__layer__description\">\n\t\t\t\t\t\t\tFanny a DLA Piper Hungary Jogvitarendez\u00e9si \u00e9s szab\u00e1lyoz\u00e1si csoportj\u00e1nak \u00fcgyv\u00e9djel\u00f6ltje. Ezt megel\u0151z\u0151en  bankjogi \u00e9s finansz\u00edroz\u00e1si, illetve p\u00e9nz- \u00e9s t\u0151kepiaci szakter\u00fcleten szerzett tapasztalatot m\u00e1s nemzetk\u00f6zi \u00fcgyv\u00e9di irod\u00e1n\u00e1l.\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-flip-box__button elementor-button elementor-size-xs\" href=\"mailto:fanny.fabian@dlapiper.com\">\n\t\t\t\t\t\t\tE-mailt k\u00fcld\u00f6k\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4973cf5\" data-id=\"4973cf5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b28f05 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b28f05\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-38ddf43\" data-id=\"38ddf43\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-61c3ef5 elementor-widget elementor-widget-spacer\" data-id=\"61c3ef5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-246e220c elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"246e220c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-narrow\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2728ace6\" data-id=\"2728ace6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-37471513 elementor-widget elementor-widget-text-editor\" data-id=\"37471513\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\" style=\"font-size: 18px;font-style: normal;margin-bottom: 0px;line-height: 1\"><b>K\u00e9rd\u00e9se van? Keressen minket bizalommal!<\/b><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78469e7a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"78469e7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"mailto:hungary@dlapiper.com\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Kapcsolatfelv\u00e9tel<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-44c2336e\" data-id=\"44c2336e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-58c54196 elementor-widget elementor-widget-text-editor\" data-id=\"58c54196\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\" style=\"font-size: 18px;font-style: normal;margin-bottom: 0px;line-height: 1\"><b>K\u00f6vesse LinkedIn oldalunkat!<\/b><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29b9ac1e elementor-align-center elementor-widget elementor-widget-button\" data-id=\"29b9ac1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.linkedin.com\/showcase\/dla-piper-hungary\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">DLA Piper Hungary<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2e27c4f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2e27c4f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0b87b7a\" data-id=\"0b87b7a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ef9f1a0 elementor-widget elementor-widget-spacer\" data-id=\"ef9f1a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2ac13fe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2ac13fe\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a57ce62\" data-id=\"a57ce62\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f70aff6 elementor-widget elementor-widget-text-editor\" data-id=\"f70aff6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Legfrissebb tartalmaink<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9be3eb9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9be3eb9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-40b2f84\" data-id=\"40b2f84\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-80c444b elementor-widget elementor-widget-spacer\" data-id=\"80c444b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1772c1c7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1772c1c7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5446a50a\" data-id=\"5446a50a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e6db0a6 elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-posts--show-avatar elementor-card-shadow-yes elementor-posts__hover-gradient elementor-widget elementor-widget-posts\" data-id=\"e6db0a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;cards_columns&quot;:&quot;3&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-7498 post type-post status-publish format-standard has-post-thumbnail hentry category-infrastruktura tag-reinforced-transport-corridors tag-resilience-and-innovation\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/blogs.dlapiper.com\/advocatus\/2026\/06\/dual-use-infrastructure-investment-implementation-models-in-europe-lessons-for-hungary\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"300\" height=\"75\" src=\"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2026\/06\/Highway_lights_S_0336_PPT-1-1-300x75.jpg\" class=\"attachment-medium size-medium wp-image-7501\" alt=\"adv_cikk\" srcset=\"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2026\/06\/Highway_lights_S_0336_PPT-1-1-300x75.jpg 300w, https:\/\/blogs.dlapiper.com\/advocatus\/files\/2026\/06\/Highway_lights_S_0336_PPT-1-1-1024x256.jpg 1024w, https:\/\/blogs.dlapiper.com\/advocatus\/files\/2026\/06\/Highway_lights_S_0336_PPT-1-1-768x192.jpg 768w, https:\/\/blogs.dlapiper.com\/advocatus\/files\/2026\/06\/Highway_lights_S_0336_PPT-1-1.jpg 1200w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Infrastrukt\u00fara | Infrastructure<\/div>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/blogs.dlapiper.com\/advocatus\/2026\/06\/dual-use-infrastructure-investment-implementation-models-in-europe-lessons-for-hungary\/\" >\n\t\t\t\tDual-use infrastructure investment implementation models in Europe: Lessons for Hungary\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>This article shifts focus from the level of possible commitments to their substantive implementation: it examines how NATO allies within the EU have implemented dual-use infrastructure developments in practice, and what realistically transferable solutions Hungary can draw knowledge and practical experience from.<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/blogs.dlapiper.com\/advocatus\/2026\/06\/dual-use-infrastructure-investment-implementation-models-in-europe-lessons-for-hungary\/\" aria-label=\"Read more about Dual-use infrastructure investment implementation models in Europe: Lessons for Hungary\" tabindex=\"-1\" >\n\t\t\tTov\u00e1bb &gt;&gt;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-author\">\n\t\t\tDLA Piper\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t2026-06-02\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-7492 post type-post status-publish format-standard has-post-thumbnail hentry category-infrastruktura tag-ellenallo-kepesseg-es-innovacio tag-megerositett-kozlekedesi-folyosok tag-strategiai-csomopontok\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/blogs.dlapiper.com\/advocatus\/2026\/06\/kettos-felhasznalasu-infrastruktura-beruhazasok-europai-modelljei-tanulsagok-magyarorszag-szamara\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"300\" height=\"75\" src=\"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2026\/06\/Highway_lights_S_0336_PPT-1-1-300x75.jpg\" class=\"attachment-medium size-medium wp-image-7501\" alt=\"adv_cikk\" srcset=\"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2026\/06\/Highway_lights_S_0336_PPT-1-1-300x75.jpg 300w, https:\/\/blogs.dlapiper.com\/advocatus\/files\/2026\/06\/Highway_lights_S_0336_PPT-1-1-1024x256.jpg 1024w, https:\/\/blogs.dlapiper.com\/advocatus\/files\/2026\/06\/Highway_lights_S_0336_PPT-1-1-768x192.jpg 768w, https:\/\/blogs.dlapiper.com\/advocatus\/files\/2026\/06\/Highway_lights_S_0336_PPT-1-1.jpg 1200w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Infrastrukt\u00fara | Infrastructure<\/div>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/blogs.dlapiper.com\/advocatus\/2026\/06\/kettos-felhasznalasu-infrastruktura-beruhazasok-europai-modelljei-tanulsagok-magyarorszag-szamara\/\" >\n\t\t\t\tKett\u0151s felhaszn\u00e1l\u00e1s\u00fa infrastrukt\u00fara beruh\u00e1z\u00e1sok eur\u00f3pai modellje: Tanuls\u00e1gok Magyarorsz\u00e1g sz\u00e1m\u00e1ra\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Jelen cikk azt vizsg\u00e1lja, hogy az EU-n bel\u00fcli NATO-sz\u00f6vets\u00e9gesek a gyakorlatban mik\u00e9nt val\u00f3s\u00edtottak meg kett\u0151s felhaszn\u00e1l\u00e1s\u00fa infrastrukt\u00fara fejleszt\u00e9seket, \u00e9s Magyarorsz\u00e1g milyen megold\u00e1sokb\u00f3l mer\u00edthet tud\u00e1st \u00e9s tapasztalatot.<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/blogs.dlapiper.com\/advocatus\/2026\/06\/kettos-felhasznalasu-infrastruktura-beruhazasok-europai-modelljei-tanulsagok-magyarorszag-szamara\/\" aria-label=\"Read more about Kett\u0151s felhaszn\u00e1l\u00e1s\u00fa infrastrukt\u00fara beruh\u00e1z\u00e1sok eur\u00f3pai modellje: Tanuls\u00e1gok Magyarorsz\u00e1g sz\u00e1m\u00e1ra\" tabindex=\"-1\" >\n\t\t\tTov\u00e1bb &gt;&gt;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-author\">\n\t\t\tDLA Piper\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t2026-06-02\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-7485 post type-post status-publish format-standard has-post-thumbnail hentry category-finance tag-debt-finance tag-hitelfinanszirozasi-piac tag-refinanszirozas\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/blogs.dlapiper.com\/advocatus\/2026\/05\/fokuszban-a-refinanszirozas-a-hitelfinanszirozasi-piac-fo-trendjei-2025-2026-ban\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"300\" height=\"75\" src=\"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2026\/05\/Gray-spiral-building-at-night_PPT-1-300x75.jpg\" class=\"attachment-medium size-medium wp-image-7488\" alt=\"adv_cikk_finance\" srcset=\"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2026\/05\/Gray-spiral-building-at-night_PPT-1-300x75.jpg 300w, https:\/\/blogs.dlapiper.com\/advocatus\/files\/2026\/05\/Gray-spiral-building-at-night_PPT-1-1024x256.jpg 1024w, https:\/\/blogs.dlapiper.com\/advocatus\/files\/2026\/05\/Gray-spiral-building-at-night_PPT-1-768x192.jpg 768w, https:\/\/blogs.dlapiper.com\/advocatus\/files\/2026\/05\/Gray-spiral-building-at-night_PPT-1.jpg 1200w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Finance | Bankjog<\/div>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/blogs.dlapiper.com\/advocatus\/2026\/05\/fokuszban-a-refinanszirozas-a-hitelfinanszirozasi-piac-fo-trendjei-2025-2026-ban\/\" >\n\t\t\t\tF\u00f3kuszban a refinansz\u00edroz\u00e1s: a hitelfinansz\u00edroz\u00e1si piac f\u0151 trendjei 2025\u20132026-ban\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Megjelent DLA Piper leg\u00fajabb Debt Finance Intelligence Reportja, amely r\u00e9szletesen elemzi a hitelfinansz\u00edroz\u00e1si piac 2025-\u00f6s teljes\u00edtm\u00e9ny\u00e9t, valamint a 2026-os \u00e9vet meghat\u00e1roz\u00f3 f\u0151bb trendeket \u00e9s kih\u00edv\u00e1sokat.<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/blogs.dlapiper.com\/advocatus\/2026\/05\/fokuszban-a-refinanszirozas-a-hitelfinanszirozasi-piac-fo-trendjei-2025-2026-ban\/\" aria-label=\"Read more about F\u00f3kuszban a refinansz\u00edroz\u00e1s: a hitelfinansz\u00edroz\u00e1si piac f\u0151 trendjei 2025\u20132026-ban\" tabindex=\"-1\" >\n\t\t\tTov\u00e1bb &gt;&gt;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-author\">\n\t\t\tDLA Piper\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t2026-05-28\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>A magyar e-kereskedelmi piacon is egyre ink\u00e1bb teret nyer a BNPL (Buy Now, Pay Later) megold\u00e1s, amely halasztott fizet\u00e9st tesz lehet\u0151v\u00e9 a fogyaszt\u00f3 sz\u00e1m\u00e1ra. A szolg\u00e1ltat\u00e1s hazai szab\u00e1lyz\u00e1s\u00e1r\u00f3l \u00e9s az esetleges kock\u00e1zatokr\u00f3l k\u00e9sz\u00edtett\u00fcnk \u00f6sszefoglal\u00f3t.<\/p>\n","protected":false},"author":1,"featured_media":4552,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[393],"tags":[1388,1387],"coauthors":[705],"class_list":["post-4548","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-versenyjog","tag-bnpl","tag-buy-now-pay-later"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u201eV\u00e1s\u00e1rolj most, fizess k\u00e9s\u0151bb!\u201d A BNPL- szolg\u00e1ltat\u00e1s h\u00e1ttere<\/title>\n<meta name=\"description\" content=\"\u201eV\u00e1s\u00e1rolj most, fizess k\u00e9s\u0151bb!\u201d, vagyis a BNPL- szolg\u00e1ltat\u00e1sok h\u00e1tter\u00e9r\u0151l \u00e9s versenyjogi k\u00e9rd\u00e9seir\u0151l k\u00e9sz\u00edtett\u00fcnk \u00f6sszefoglal\u00f3t!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u201eV\u00e1s\u00e1rolj most, fizess k\u00e9s\u0151bb!\u201d A BNPL- szolg\u00e1ltat\u00e1s h\u00e1ttere\" \/>\n<meta property=\"og:description\" content=\"\u201eV\u00e1s\u00e1rolj most, fizess k\u00e9s\u0151bb!\u201d, vagyis a BNPL- szolg\u00e1ltat\u00e1sok h\u00e1tter\u00e9r\u0151l \u00e9s versenyjogi k\u00e9rd\u00e9seir\u0151l k\u00e9sz\u00edtett\u00fcnk \u00f6sszefoglal\u00f3t!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/\" \/>\n<meta property=\"og:site_name\" content=\"Advocatus\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-08T11:46:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-12-08T12:04:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2023\/12\/advocatus-header-29.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"DLA Piper\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"DLA Piper\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/\"},\"author\":{\"name\":\"DLA Piper\",\"@id\":\"https:\/\/blogs.dlapiper.com\/advocatus\/#\/schema\/person\/e4f1320bd6f7e07fbf942762d3bd3206\"},\"headline\":\"\u201eV\u00e1s\u00e1rolj most, fizess k\u00e9s\u0151bb!\u201d A BNPL- szolg\u00e1ltat\u00e1s h\u00e1ttere\",\"datePublished\":\"2023-12-08T11:46:02+00:00\",\"dateModified\":\"2023-12-08T12:04:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/\"},\"wordCount\":1400,\"publisher\":{\"@id\":\"https:\/\/blogs.dlapiper.com\/advocatus\/#organization\"},\"image\":{\"@id\":\"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2023\/12\/advocatus-header-29.png\",\"keywords\":[\"BNPL\",\"buy now pay later\"],\"articleSection\":[\"Versenyjog | Competition\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/\",\"url\":\"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/\",\"name\":\"\u201eV\u00e1s\u00e1rolj most, fizess k\u00e9s\u0151bb!\u201d A BNPL- szolg\u00e1ltat\u00e1s h\u00e1ttere\",\"isPartOf\":{\"@id\":\"https:\/\/blogs.dlapiper.com\/advocatus\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2023\/12\/advocatus-header-29.png\",\"datePublished\":\"2023-12-08T11:46:02+00:00\",\"dateModified\":\"2023-12-08T12:04:07+00:00\",\"description\":\"\u201eV\u00e1s\u00e1rolj most, fizess k\u00e9s\u0151bb!\u201d, vagyis a BNPL- szolg\u00e1ltat\u00e1sok h\u00e1tter\u00e9r\u0151l \u00e9s versenyjogi k\u00e9rd\u00e9seir\u0151l k\u00e9sz\u00edtett\u00fcnk \u00f6sszefoglal\u00f3t!\",\"breadcrumb\":{\"@id\":\"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/#primaryimage\",\"url\":\"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2023\/12\/advocatus-header-29.png\",\"contentUrl\":\"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2023\/12\/advocatus-header-29.png\",\"width\":1200,\"height\":300,\"caption\":\"BNPL\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/blogs.dlapiper.com\/advocatus\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u201eV\u00e1s\u00e1rolj most, fizess k\u00e9s\u0151bb!\u201d A BNPL- szolg\u00e1ltat\u00e1s h\u00e1ttere\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/blogs.dlapiper.com\/advocatus\/#website\",\"url\":\"https:\/\/blogs.dlapiper.com\/advocatus\/\",\"name\":\"Advocatus\",\"description\":\"A DLA Piper Jogi Blogja\",\"publisher\":{\"@id\":\"https:\/\/blogs.dlapiper.com\/advocatus\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/blogs.dlapiper.com\/advocatus\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/blogs.dlapiper.com\/advocatus\/#organization\",\"name\":\"Advocatus\",\"url\":\"https:\/\/blogs.dlapiper.com\/advocatus\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/blogs.dlapiper.com\/advocatus\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2019\/06\/cropped-logo-144-1.png\",\"contentUrl\":\"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2019\/06\/cropped-logo-144-1.png\",\"width\":223,\"height\":130,\"caption\":\"Advocatus\"},\"image\":{\"@id\":\"https:\/\/blogs.dlapiper.com\/advocatus\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.linkedin.com\/showcase\/dla-piper-hungary\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/blogs.dlapiper.com\/advocatus\/#\/schema\/person\/e4f1320bd6f7e07fbf942762d3bd3206\",\"name\":\"DLA Piper\",\"url\":\"https:\/\/blogs.dlapiper.com\/advocatus\/author\/blogadmin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u201eV\u00e1s\u00e1rolj most, fizess k\u00e9s\u0151bb!\u201d A BNPL- szolg\u00e1ltat\u00e1s h\u00e1ttere","description":"\u201eV\u00e1s\u00e1rolj most, fizess k\u00e9s\u0151bb!\u201d, vagyis a BNPL- szolg\u00e1ltat\u00e1sok h\u00e1tter\u00e9r\u0151l \u00e9s versenyjogi k\u00e9rd\u00e9seir\u0151l k\u00e9sz\u00edtett\u00fcnk \u00f6sszefoglal\u00f3t!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/","og_locale":"en_GB","og_type":"article","og_title":"\u201eV\u00e1s\u00e1rolj most, fizess k\u00e9s\u0151bb!\u201d A BNPL- szolg\u00e1ltat\u00e1s h\u00e1ttere","og_description":"\u201eV\u00e1s\u00e1rolj most, fizess k\u00e9s\u0151bb!\u201d, vagyis a BNPL- szolg\u00e1ltat\u00e1sok h\u00e1tter\u00e9r\u0151l \u00e9s versenyjogi k\u00e9rd\u00e9seir\u0151l k\u00e9sz\u00edtett\u00fcnk \u00f6sszefoglal\u00f3t!","og_url":"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/","og_site_name":"Advocatus","article_published_time":"2023-12-08T11:46:02+00:00","article_modified_time":"2023-12-08T12:04:07+00:00","og_image":[{"width":1200,"height":300,"url":"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2023\/12\/advocatus-header-29.png","type":"image\/png"}],"author":"DLA Piper","twitter_card":"summary_large_image","twitter_misc":{"Written by":"DLA Piper","Estimated reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/#article","isPartOf":{"@id":"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/"},"author":{"name":"DLA Piper","@id":"https:\/\/blogs.dlapiper.com\/advocatus\/#\/schema\/person\/e4f1320bd6f7e07fbf942762d3bd3206"},"headline":"\u201eV\u00e1s\u00e1rolj most, fizess k\u00e9s\u0151bb!\u201d A BNPL- szolg\u00e1ltat\u00e1s h\u00e1ttere","datePublished":"2023-12-08T11:46:02+00:00","dateModified":"2023-12-08T12:04:07+00:00","mainEntityOfPage":{"@id":"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/"},"wordCount":1400,"publisher":{"@id":"https:\/\/blogs.dlapiper.com\/advocatus\/#organization"},"image":{"@id":"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/#primaryimage"},"thumbnailUrl":"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2023\/12\/advocatus-header-29.png","keywords":["BNPL","buy now pay later"],"articleSection":["Versenyjog | Competition"],"inLanguage":"en-GB"},{"@type":"WebPage","@id":"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/","url":"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/","name":"\u201eV\u00e1s\u00e1rolj most, fizess k\u00e9s\u0151bb!\u201d A BNPL- szolg\u00e1ltat\u00e1s h\u00e1ttere","isPartOf":{"@id":"https:\/\/blogs.dlapiper.com\/advocatus\/#website"},"primaryImageOfPage":{"@id":"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/#primaryimage"},"image":{"@id":"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/#primaryimage"},"thumbnailUrl":"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2023\/12\/advocatus-header-29.png","datePublished":"2023-12-08T11:46:02+00:00","dateModified":"2023-12-08T12:04:07+00:00","description":"\u201eV\u00e1s\u00e1rolj most, fizess k\u00e9s\u0151bb!\u201d, vagyis a BNPL- szolg\u00e1ltat\u00e1sok h\u00e1tter\u00e9r\u0151l \u00e9s versenyjogi k\u00e9rd\u00e9seir\u0151l k\u00e9sz\u00edtett\u00fcnk \u00f6sszefoglal\u00f3t!","breadcrumb":{"@id":"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/#primaryimage","url":"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2023\/12\/advocatus-header-29.png","contentUrl":"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2023\/12\/advocatus-header-29.png","width":1200,"height":300,"caption":"BNPL"},{"@type":"BreadcrumbList","@id":"https:\/\/blogs.dlapiper.com\/advocatus\/2023\/12\/vasarolj-most-fizess-kesobb-a-bnpl-szolgaltatas-hattere\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/blogs.dlapiper.com\/advocatus\/"},{"@type":"ListItem","position":2,"name":"\u201eV\u00e1s\u00e1rolj most, fizess k\u00e9s\u0151bb!\u201d A BNPL- szolg\u00e1ltat\u00e1s h\u00e1ttere"}]},{"@type":"WebSite","@id":"https:\/\/blogs.dlapiper.com\/advocatus\/#website","url":"https:\/\/blogs.dlapiper.com\/advocatus\/","name":"Advocatus","description":"A DLA Piper Jogi Blogja","publisher":{"@id":"https:\/\/blogs.dlapiper.com\/advocatus\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/blogs.dlapiper.com\/advocatus\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/blogs.dlapiper.com\/advocatus\/#organization","name":"Advocatus","url":"https:\/\/blogs.dlapiper.com\/advocatus\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/blogs.dlapiper.com\/advocatus\/#\/schema\/logo\/image\/","url":"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2019\/06\/cropped-logo-144-1.png","contentUrl":"https:\/\/blogs.dlapiper.com\/advocatus\/files\/2019\/06\/cropped-logo-144-1.png","width":223,"height":130,"caption":"Advocatus"},"image":{"@id":"https:\/\/blogs.dlapiper.com\/advocatus\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.linkedin.com\/showcase\/dla-piper-hungary\/"]},{"@type":"Person","@id":"https:\/\/blogs.dlapiper.com\/advocatus\/#\/schema\/person\/e4f1320bd6f7e07fbf942762d3bd3206","name":"DLA Piper","url":"https:\/\/blogs.dlapiper.com\/advocatus\/author\/blogadmin\/"}]}},"_links":{"self":[{"href":"https:\/\/blogs.dlapiper.com\/advocatus\/wp-json\/wp\/v2\/posts\/4548","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blogs.dlapiper.com\/advocatus\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blogs.dlapiper.com\/advocatus\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blogs.dlapiper.com\/advocatus\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blogs.dlapiper.com\/advocatus\/wp-json\/wp\/v2\/comments?post=4548"}],"version-history":[{"count":0,"href":"https:\/\/blogs.dlapiper.com\/advocatus\/wp-json\/wp\/v2\/posts\/4548\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blogs.dlapiper.com\/advocatus\/wp-json\/wp\/v2\/media\/4552"}],"wp:attachment":[{"href":"https:\/\/blogs.dlapiper.com\/advocatus\/wp-json\/wp\/v2\/media?parent=4548"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blogs.dlapiper.com\/advocatus\/wp-json\/wp\/v2\/categories?post=4548"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blogs.dlapiper.com\/advocatus\/wp-json\/wp\/v2\/tags?post=4548"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/blogs.dlapiper.com\/advocatus\/wp-json\/wp\/v2\/coauthors?post=4548"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}