Perspective Ingrid Ulst Abstract A prepaid card is a fairly new financial product that is part of the global in- novations in financial services of the last 10 years. Some non-bank financing companies ( e.g ., SMSloan providers) have further advanced this product by linking prepaid cards to retail loans
, Tallinn, 2009). Her most recent article—“Protection of Consumer Rights in SMSLoan Agreements” (co-authored with Kalev Saare and Mari Ann Simovart, 18(1) European Review of Private Law (2010))—addresses the problems of a modern form of consumer credit: SMSloans. In addition to her academic work, Dr. Sein
Rights in SMSLoan Agreements”, 18(1) European Review of Private Law (2010), 129-142. 2 This change will be discussed in more detail in section 1.2. below.
Electronic Retail Lending in Estonia 259 MQAJ?AO SDANA PDA NAP=EH >KNNKSAN =NCQAO PD=P PDA PN=JO=?PEKJ EO RKE@ =O being contrary to good morals