#digitallending — Public Fediverse posts

BitGo expands European ETP custody with Virtune

By Aarav Garg Today Asset Management Digital Banking Digital Lending BitGo has been appointed as an additional custodian…
#Europe #EU #AssetManagement #DigitalBanking #DigitalLending #DigitalTransformation #European #FinancialInclusion #FinTech #Fintechnews #FinTechsolutions #PaymentsasaService
https://www.europesays.com/europe/31604/

Digital lending is the process of originating, underwriting, and disbursing loans entirely through online platforms, removing the need for in-person interaction or physical paperwork.

#Fintech #DigitalLending

Germany B2B Buy Now Pay Later Business Report 2026: $20.5

Dublin, April 23, 2026 (GLOBE NEWSWIRE) — The “Germany B2B Buy Now Pay Later Business and Investment Opportunities…
#Germany #DE #Europe #EU #Europa #B2BBNPL #B2BBuyNowPayLater #BNPL #BuyNowPayLater #DigitalLending #InterestRate #Lending #Overdraft #pricing #ResearchandMarkets #retail #Wholesale
https://www.europesays.com/germany/6988/

Revolut applies for banking licence to enter Latin America

By Vriti Gothi Today AI Banking Licence Cross Border Payments Revolut has announced plans to enter the Peruvian…
#Conflict #Conflicts #War #AI #BankingLicence #crossborderpayments #digitalbanking #digitallending #DigitalPayments #digitaltransformation #financialinclusion #financialinstitutions #financialservices #fintech #Fintechnews #Latinamerica #peu #Revolut #US
https://www.europesays.com/2717041/

Public Sector Banks sanctioned over 3.96 lakh MSME loan applications worth ₹52,300 crore using digital underwriting programs (April-December 2025). https://english.mathrubhumi.com/news/money/psb-msme-loans-digital-underwriting-cxiu3skp?utm_source=dlvr.it&utm_medium=mastodon #MSMELoans #PublicSectorBanks #DigitalLending #SmallBusinessIndia

UK leads as Western Islamic Finance hub despite limited local uptake

By Vriti Gothi Today Digital Banking Digital Lending Digital Payments The United Kingdom continues to hold its ground…
#NewsBeep #News #UnitedKingdom #DigitalBanking #DigitalLending #digitalpayments #DigitalTransformation #FinancialInclusion #FinancialInstitutions #FinancialServices #GB #GreatBritain #IslamicFinance #UK
https://www.newsbeep.com/uk/106923/

Boston Library Consortium (BLC) Announces Launch of Digital Lending Toolkit https://www.infodocket.com/2025/07/30/boston-library-consortium-blc-launches-digital-lending-toolkit/ #libraries #digitallending #digitalresources

‘(i)SDL Insight: Digital Lending pathways in Italy, Poland & Spain’

🚨 7 July | 15-16h CEST:
🎫 Register: https://us06web.zoom.us/webinar/register/WN_CwATTGhAR7qMwrlobpnRQg#/registration
🔗 Details: https://www.knowledgerights21.org/news-story/7-june-isdl-insight-digital-lending-pathways-in-italy-poland-and-spain/

#eBooks #eBookSOS #DigitalLending #Copyright

#Australia: "Untapped Potential": An Important Study of Library Digital Lending (via @ReadersFirst); & More Headlines https://www.infodocket.com/2024/10/09/boston-public-library-fund-awarded-grant-to-advance-digital-equity-pima-county-library-districtpauses-plans-to-close-libraries-after-community-concerns-more-news-headlines/ #libraries #digitallending

#InternetArchive #DigitalLending #DigitalLibraries #BookPublishers #eBooks #eLending #Books #Copyright: "On Sept 4, 2024, the US Court of Appeals in New York affirmed the lower court ruling in the lawsuit filed against us by Hachette Book Group, HarperCollins Publishers, John Wiley & Sons, and Penguin Random House. While the Internet Archive is disappointed by this opinion—it was never the Internet Archive’s intention to get into a lawsuit over lending digitized books—we respect the outcome.

To date, we have removed over 500,000 books from lending on archive.org (and therefore also openlibrary.org). While we are reviewing all available options, this judicial opinion will lead to the removal of many more books from lending. It is important for the Internet Archive and all libraries to continue to have a healthy relationship with publishers and authors.

Please be assured that millions of digitized books will still be available to those with print disabilities, small sections will be available for those linking into them from Wikipedia and through interlibrary loan, books will continue to be preserved for the long term, and other protected library uses will continue to inform digital learners everywhere."

https://blog.archive.org/2024/09/21/lending-of-digitized-books/

#InternetArchive #DigitalLending #DigitalLibraries #Libraries #Books #eBooks #BookPublishing #Copyright #IP: "There’s a lot of bad news in the Hachette decision. I am both devastated and terrified by it. I am hoping the Internet Archive will appeal to the Supreme Court, but I am also extremely cynical about this Supreme Court’s ability to make any good decisions, and frightened by the possibility they could set damaging precedent.

However, although there is a lot of bad news, it is not all bad. I wouldn’t say any of it is really good news, per se — but it could be worse.

Some interpreted this recent news about the lawsuit to mean that the Internet Archive or the Open Library will be shutting down wholesale. I haven’t seen anything that suggests that, and would be surprised if it came to it as a result of this case. Beyond this case, there are constant threats to the Internet Archive (such as a separate lawsuit from a group of music industry giantsj seeking $400 million in damages) that could be existential. As I’ve pointed out elsewhere, the Internet Archive’s whole existence pushes the boundaries of copyright law, and so threats like this are a part of the territory. But hopefully, and with our support, they will continue to weather the storm."

https://www.citationneeded.news/hachette-v-internet-archive/

#Copyright #IP #eBooks #DigitalLibraries #DigitalLending #InternetArchive #BookPublishers: "As for legal next steps, the Archive has two pathways it may choose to take, according to Cara Gagliano, senior staff attorney for the Electronic Frontier Foundation, which is representing the Archive in court. They can either petition for a rehearing, or petition the U.S. Supreme Court to hear the case, an even more intense process, since the court only takes a handful of cases per year.

“We think the Internet Archive really was serving a transformative purpose and doing what libraries have always done: Loaning out books that they owned to one person at a time,” Gagliano said. “Our take is that it’s absurd that the Internet Archive is allowed to mail me a physical book it owns. The physical publishers can’t stop that. But [the Archive] can’t give me the same content in digital form.”"

https://www.kqed.org/news/12003819/internet-archives-open-library-faces-uncertain-future-after-court-sides-with-publishers

#InternetArchive #eBooks #DigitalLibraries #DigitalLending #BookPublishers #Copyright #IP #Censorship: "More than 500,000 books have been taken out of lending as a result of Hachette v. Internet Archive, the publishers’ lawsuit against our library, including more than 1,300 banned and challenged books.

We are appealing the decision that led to these takedowns in an effort to restore access to these books for all of our patrons."

https://help.archive.org/help/why-are-so-many-books-listed-as-borrow-unavailable-at-the-internet-archive/

The Internet Archive just lost its appeal over ebook lending

https://www.theverge.com/2024/9/4/24235958/internet-archive-loses-appeal-ebook-lending

A federal appeals court sided with publishers in the copyright fight over whether the Internet Archive can lend out digitized books.

#copyright #ebooks #digitallending #publishing #library #archives

#DigitalLending #Rentism #eBooks #Libraries #Copyright #IP #BookPublishers: "Today, the Internet Archive has taken a decisive final step in our ongoing battle for libraries’ digital rights by submitting the final appellate reply brief [PDF] in Hachette v. Internet Archive, the publishers’ lawsuit against our library. This move reaffirms Internet Archive’s unwavering commitment to fulfilling our mission of providing universal access to all knowledge, even in the face of steep legal challenges." https://blog.archive.org/2024/04/19/internet-archive-stands-firm-on-library-digital-rights-in-final-brief-of-hachette-v-internet-archive-lawsuit/

The National Information #Standards Organization (#NISO) announced today that its draft Interoperable System of Controlled Digital #Lending (IS-CDL) Recommended Practice (NISO RP-44-202X) is now available for public comment through April 21.

➡️ https://www.niso.org/standards-committees/is-cdl

#RecommendedPractice #CDL #ControlledDigitalLending #DigitalLending #ILL #ResourceSharing

" #Libraries urge court to reconsider judgment against Internet Archive #IA - Amid a wave of threats against libraries, the American Library Association #ALA and others fear the suit challenges freedom of information #FoI.

Last March, the Internet Archive was forced to curtail its lending of e-books following a judgment against the digital library in a lawsuit coordinated by the Association of American Publishers ( #AAP ) ... But, in December, more than 100,000 of those libraries, as represented by the American Library Association (ALA) and Association of Research Libraries ( #ARL ), expressed support for the Internet Archive’s appeal against the case.

“This is a fight to keep library books available for those seeking truth in the digital age,” says Brewster Kahle, founder of the Internet Archive. And other libraries appear to agree.

A court brief filed by the #ALA and #ARL urges the Second Circuit Court of Appeals to reconsider the lower court’s judgment in light of the impact that it will have, not just on the Internet Archive, but libraries across the #UnitedStates. The appeal comes amid a wave of threats that libraries nationwide are trying to stem."

https://www.shareable.net/libraries-urge-court-to-reconsider-judgment-against-internet-archive/

#Freedom #Democracy #DigitalLending #US #USPolitics
#FreedomOfInformation #Hachette #PenguinRandomHouse #HarperCollins #Wiley #InternetArchive @internetarchive

#InternetArchive #DigitalLending #eBooks #BookPublishing #Copyright #IP #Rentism #Feudalism: "Supporting the archive could be seen as a denial of the unstable financial position of people in the book world and the hard, sincere work of the people who make and sell the books. But the suggestion by the four publishers that offering expensive and complex licensing deals to libraries is the only solution for more income and a better situation for authors, is incorrect.

There’s a hidden income that the authors do not profit from: by participating in the systems that publishers and distribution platforms offer the readers also pay by giving access to their data. This is not a source of revenue generation that authors have an interest in preserving. Furthermore, there is little evidence that library lending has a negative effect on book sales. Expensive licensing deals, the proposal put forward by representatives of the Big Four publishers, mean that libraries will have to offer fewer e-books to their readers, which in turn means fewer readers, which is not benefiting authors. Finally, the licensing structures are a vehicle for censoring and retracting books. In 2022, Wiley withdrew thirteen hundred academic e-books from libraries right at the beginning of the academic year, forcing students to buy the expensive books they needed for their studies."

https://jacobin.com/2024/02/internet-archive-free-knowledge-authors

#eBooks #Publishing #Libraries #DigitalLibraries #DigitalLending #Copyright #Privacy: "Today, Public Knowledge joined Center for Democracy and Technology and the Library Freedom Project in filing an amicus brief supporting Internet Archive in the case of Hachette v. Internet Archive. The brief, which was written by the Samuelson Law, Technology, and Public Policy Clinic at the University of California, Berkeley, argues that controlled digital lending – or CDL – furthers the goal of the copyright act by protecting reader privacy."

https://publicknowledge.org/public-knowledge-joins-amicus-brief-defending-controlled-digital-lending-and-consumer-privacy/

#DigitalLibraries #InternetArchive #Publishing #Copyright #DigitalLending #IP #DigitalRights: "Earlier today, we filed our opening appellate brief in Hachette v. Internet Archive, reaffirming our commitment to preserving knowledge for future generations.

Statement from Brewster Kahle, founder and digital librarian of the Internet Archive: We submitted our appeal to the court today to protect the core mission of libraries—preservation and access. This is a fight to keep library books available for those seeking truth in the digital age.

Libraries are not just repositories of books; they are guardians of history and the published record. In this time of wars, election angst, and unstable moments for democracy, this fight gains even more importance."

https://blog.archive.org/2023/12/15/internet-archive-defends-digital-rights-for-libraries/

#Libraries #DigitalLending #eBooks #InternetArchive #Publishers #Copyright: "The Internet Archive provides libraries with an alternative to the current, predatory model that exists for hosting e-books. When a library hosts a book digitally, they do not simply pay what an ordinary consumer would pay for that book. Libraries pay additional licensing fees to publishing companies to host e-books through services like Libby and OverDrive, which can cost three to five times as much as the book itself and only last for a few years at a time. (Gargantuan licensing fees for e-books have become a central pillar of the publishing industry’s profits: according to Koeltl’s opinion, Penguin reaps $59 million per year just from e-book licensing to libraries, while HarperCollins makes nearly $47 million.) This is a direct transfer of wealth straight from local taxpayers to wealthy publishing houses, and it’s worth considering how much more your local library would be able to do if they weren’t having so much of their budget extracted."
https://www.currentaffairs.org/2023/05/book-publishers-are-trying-to-destroy-public-e-book-access-in-order-to-increase-profits

#eBooks #Books #Copyright #DigitalLending #IP #Publishing: "Last month the New York court found – predictably – in the publishers’ favour, rejecting the IA’s defence of ‘fair use’, and ruling that ‘although IA has the right to lend print books it lawfully acquired, it does not have the right to scan those books and lend the digital copies en masse.’

Increasingly, the future of the Internet Archive looks under threat. What the four publishers are demanding and seem set legally to enforce is, according to Kahle, the destruction of around ‘4 million digitised files… This would be a book burning on the scale of the Library of Alexandria… If digital learners have no access to millions of books, aren’t they effectively disappeared?’"

https://www.spectator.co.uk/article/the-internet-archives-troubles-are-bad-news-for-book-lovers/

#eBooks #Books #Libraries #DigitalLending #USA #Copyright: "If the ruling stands, the implications for libraries are disastrous. They will have to choose between purchasing licenses for ebooks from publishers for books they already carry every few years and expanding their collections. There should be a reasonable middle ground that is not publishers gouging libraries or giving away works for free en masse. If creating digital copies of books has “no transformative purpose,” it’s also true that ebook-licensing-fee renewals are little more than rent-seeking: The works themselves are unchanged, but the nature of digital delivery allows publishers to charge people in new ways.

Knowledge is too precious to be abandoned entirely to the whims of the profit motive. The Internet Archive’s large collection of out-of-print books is safe; its handling of newer works is the subject of the lawsuit. But in between these two categories are those books to which publishers continue to hold rights but that are not profitable enough for them to digitize, and may be difficult to find in physical libraries. The recent bowdlerization of older works by authors such as Roald Dahl and Agatha Christie illustrates another dilemma: Unlike ebooks, which can be altered by the publisher anytime it chooses, scans of physical books preserve the original. That is a problem shared by any nonphysical media sold through a license: You don’t really own it, so providers can restrict access or change the material in any manner they wish."

https://www.theatlantic.com/ideas/archive/2023/04/internet-archive-libraries-federal-court-ruling/673615/

#eBooks #Books #Libraries #DigitalLending #Copyright: "The Internet Archive says that it is, in fact, a modern-day library, pointing out that it has received government dollars earmarked for libraries, including from the federal E-Rate program, which provides funds and discounts on internet connection for schools and libraries.

Authors like Adriaanse understand the tough reality of making it financially as a writer, and that publishers need to make money to stay afloat.

But she was pleasantly surprised to find her own books on the Archive, as well as other free digital lending services at her local Dutch library system during the pandemic for people who didn’t have a library card.

“I got a lot more readers, so that tells you there are a lot of people out there who want to read but don’t have a library card or money to buy books,” Adriaanse said. “It is inspiring. It makes me think we can have universal access to knowledge.”"

https://www.kqed.org/news/11945533/sf-based-internet-archive-is-fighting-a-ruling-that-could-change-the-future-of-digital-libraries

Publishers beat Internet Archive as judge rules e-book lending violates copyright - Enlarge (credit: nicolamargaret | E+)

On Friday, a US district... - https://arstechnica.com/?p=1927024 #copyrightinfringement #internetarchive #bookpublishers #digitallending #copyright #fairuse #policy #ebooks

#eBooks #Books #Libraries #DigitalLending #Copyright: "Today’s lower court decision in Hachette v. Internet Archive is a blow to all libraries and the communities we serve. This decision impacts libraries across the US who rely on controlled digital lending to connect their patrons with books online. It hurts authors by saying that unfair licensing models are the only way their books can be read online. And it holds back access to information in the digital age, harming all readers, everywhere.

But it’s not over—we will keep fighting for the traditional right of libraries to own, lend, and preserve books. We will be appealing the judgment and encourage everyone to come together as a community to support libraries against this attack by corporate publishers."

http://blog.archive.org/2023/03/25/the-fight-continues/

#BookPublishers with surging profits struggle to prove #InternetArchive hurt sales - A federal judge will soon decide if #DigitalLending violates copyright laws.https://arstechnica.com/tech-policy/2023/03/book-publishers-with-surging-profits-struggle-to-prove-internet-archive-hurt-sales/ #libraries #reading #books #free Save the #InternetArchives #KnowledgeManagement #education #learning #accessibility

Join us #CashlessConsumer #PaymentDeepdives Jan 8 4:30 PM to discuss the report, our feedback, #BFILConsentlessLoan episode and what to look forward with #DigitalLending in 2022 and how to make it safer for consumers.
https://hasgeek.com/cashlessconsumer/killerloanapps-detecting-fake-fintech-apps/schedule/killerloanapps-2022-update-XJynvpqYujsbVuBcW3qXi4

#CashlessConsumer #KillerLoanApps
https://medium.com/cashlessconsumer/digital-lending-observatory-feedback-on-report-of-working-group-on-digital-lending-70f4d26999a0

Feedback on Report of #RBI Working Group on #DigitalLending — need for observatory.