Ruth Plato-Shinar

Netanya Academic College, Israel

Director, The Center for Banking Law

1 University St

Netanya, 4223587

Israel

SCHOLARLY PAPERS

53

DOWNLOADS

6,938

TOTAL CITATIONS

8

Scholarly Papers (53)

1.

Three Models of the Bank's Fiduciary Duty

2(5) Law and Financial Markets Review 422
Number of pages: 17 Posted: 23 Apr 2014
Ruth Plato-Shinar and Rolf H. Weber
Netanya Academic College, Israel and University of Zurich - Faculty of Law
Downloads 1,096 (43,691)

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bank-customer relationship, fiduciary duty, good faith, Israeli law, investment advice, duty of disclosure, conflicts of interest

2.

Law and Ethics: The Bank's Fiduciary Duty towards Retail Customers

Research Handbook on Law and Ethics in Banking and Finance (Costanza Russo, Rosa Lastra and William Blair eds., Edward Elgar Publishing, 2019)
Number of pages: 29 Posted: 28 Feb 2019 Last Revised: 14 Apr 2020
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 409 (155,805)
Citation 1

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Fiduciary duty, bank-customer relationship, retail banking, bank ethics

3.

Thinking Outside the Box: The New Regulatory Sandbox Regime in Israel חשיבה מחוץ לקופסה: משטר ארגזי החול הרגולטוריים בישראל

36(3) Banking & Finance L. Rev. 457 (2021)
Number of pages: 25 Posted: 28 Apr 2021 Last Revised: 13 Sep 2021
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 297 (221,186)

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regulation, financial regulation, sandbox, fintech, startups

4.

Regulating Liability for Unauthorised Digital Payments: Insights for South Africa

Annual Banking Law Update 2020 (Charl Hugo and Sarel du Toit eds., 2020)
Number of pages: 27 Posted: 31 Oct 2020 Last Revised: 25 Jan 2022
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 262 (251,707)

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digital payments, unauthorised use, credit cards, financial consumer protection, Israeli law, PSD2, South African Law

5.

חיתום אשראי צרכני על סמך עיבוד מידע אלגוריתמי – היש סיבה לחשוש מהפליה אסורה?Algorithmic Credit Underwriting in Israel: Is there a Risk of Discrimination?

46 Tel-Aviv University Law Review, Forthcoming 2022
Number of pages: 49 Posted: 18 Aug 2022
Ruth Plato-Shinar and Maayan Perel (Filmar)
Netanya Academic College, Israel and Netanya Academic College
Downloads 256 (257,733)

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AI, Artificial Intelligence, ML, Machine Learning, Black Box, crdit scoring, credit underwriting, consumer credit, financial inclusion, discrimination, consumer protection innovation, banks, non-bank lenders

6.

הרגולציה הבנקאית בישראל - יציבות מערכתית מול הגנה צרכנית
Banking Regulation in Israel: Systemic Stability vs. Consumer Protection

אחריות המדינה, גבולות ההפרטה ורגולציה (יצחק גלנור ואיל טבת עורכים, המרכז לצדק חברתי ע"ש יעקב חזן, מכון ון ליר), עתיד לראות אור
State Responsibility, the Boundaries of Privatization and Regulation (Van Leer Jerusalem Institute, Israel), Forthcoming
Number of pages: 48 Posted: 18 Aug 2014 Last Revised: 20 Feb 2020
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 235 (280,512)

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financial regulation, systemic stability, financial consumert protection, central bank, twin peaks model, bank supervision

7.

Cross Border Banking: Reconceptualizing Bank Secrecy

Rethinking Global Finance and its Regulation (Cambridge University Press, Forthcoming)
Number of pages: 15 Posted: 19 Aug 2014
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 218 (301,656)

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Bank secrecy, tax evasion, money laundering, cross border banking, disclosure obligations, the banks as a gatekeeper

8.

The New Israeli Law on Payment Services: Towards a New World of Digital Payments חוק שירותי תשלום, תשע"ט-2019: לקראת עולם חדש של תשלומים דיגיטליים

35 Banking & Finance L. Rev. 351 (2020)
Number of pages: 32 Posted: 09 Jul 2020 Last Revised: 07 Dec 2020
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 193 (338,213)

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digital payments, payment services, financial consumer protection, PSD2, Israeli law, unauthorized use, financial regulation

9.

AI-Based Consumer Credit Underwriting: The Role of A National Credit Database

Artificial Intelligence in Finance: Challenges, Opportunities and Regulatory Developments (Nydia Remolina and Aurelio Gurrea-Martinez, eds., forthcoming 2023, Edward Elgar Publishing Ltd.)
Number of pages: 22 Posted: 21 Sep 2022
Maayan Perel (Filmar) and Ruth Plato-Shinar
Netanya Academic College and Netanya Academic College, Israel
Downloads 178 (363,915)

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Artificial Intelligence, AI, Machine Learning, ML, black box, privacy, discrimination, consumer credit, credit underwriting, credit scoring. credit data, banking, non-bank lenders

10.

Misconduct Costs of Banks – The Meaning Behind the Figures
עלויות ההתנהגות הבלתי תקינה של הבנקים – המשמעות מאחורי המספרים

32 BFLR 495 (2017)
Number of pages: 34 Posted: 11 Sep 2017 Last Revised: 02 Aug 2019
Ruth Plato-Shinar and Keren Borenstein-Nativ
Netanya Academic College, Israel and Hebrew University of Jerusalem - School of Public Policy
Downloads 165 (389,114)
Citation 1

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banks, banking regulation, conduct costs, financial sanctions

11.

בינה מלאכותית בחיתום אשראי צרכני: הזדמנויות, אתגרים והצעת אסדרה AI in Consumer Credit Underwriting: Opportunities, Challenges and Proposed Regulation

6 Regulation Research (forthcoming 2022)
Number of pages: 52 Posted: 18 Aug 2022
Ruth Plato-Shinar and Maayan Perel (Filmar)
Netanya Academic College, Israel and Netanya Academic College
Downloads 147 (428,750)

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AI, Artificial Intelligence, ML, Machine Learning, Black Box, crdit scoring, credit underwriting, consumer credit, financial inclusion, privacy, discrimination, consumer protection. innovation, banks, non-bank lenders

12.

The Language Barrier in Banking Documents – The Bank's Special Liability to Guide the Perplexed

Number of pages: 15 Posted: 15 Aug 2014
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 147 (428,750)
Citation 1

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bank-customer relationship, banking documents, explanation, translation, language barrier, semiotics

13.

חוק שירותי תשלום, התשעט–2019: הגנת הצרכן הפיננסי בעולם של שירותי תשלום דיגיטליים Financial Consumer Protection Under the New Israeli Law on Digital Payments

27 Hamishpat L. Rev. 275 (2021)
Number of pages: 28 Posted: 29 Jan 2021 Last Revised: 02 May 2022
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 146 (431,102)

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digital payments, payment services, financial consumer protection, PSD2, Israeli law, unauthorized payment, financial regulation

14.

Bank Secrecy in Israel

29 The Comparative Law Yearbook of International Business 269
Number of pages: 33 Posted: 23 Apr 2014
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 141 (443,388)

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bank-customer relationship, bank secrecy, bank confidentiality, disclosure,Israeli law, commercial secret,money laundering, cerdit data

15.

Enhancing AI in Finance Through Regulatory Sandboxes תרומתו של ארגז החול הרגולטורי לפיתוח יישומי בינה מלאכותית בתחום הפיננסי

Algorithms, Artificial Intelligence and the Law (Niva Elkin-Koren and Maayan Perel, eds., forthcoming in 2024
Number of pages: 33 Posted: 20 Dec 2023
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 138 (451,048)

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Artificial Intelligence, AI, Sandbox, Fintech, RegRech, Banking, Reguation, financial regulation

16.

Regulatory Cooperation in AI Sandboxes: Insights from Fintech

European Banking Institute Working Paper Series No.189
Number of pages: 33 Posted: 01 Apr 2025
Ruth Plato-Shinar and Andrew Godwin
Netanya Academic College, Israel and Melbourne Law School
Downloads 128 (479,191)

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artificial intelligence, sandboxes, Fintech, regulatory cooperation

17.

Consumer Protection Through Soft Law in an Era of Global Financial Crisis

The Changing Landscape of Global Financial Governance and the Role of Soft Law (F. Weiss and A. Kammel, eds. Brill Nijhoff) 2015
Number of pages: 28 Posted: 18 Apr 2016 Last Revised: 11 Apr 2019
Ruth Plato-Shinar and Rolf H. Weber
Netanya Academic College, Israel and University of Zurich - Faculty of Law
Downloads 128 (479,191)

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soft law, consumer protection, global financial crisis, financial regulation, dispute settlement, ADR Directive, Financial Services, G20 High-Level Principles, BCBS

18.

Israel: The New Law on Class Actions

The Journal of Business Law (August 2007)
Number of pages: 14 Posted: 21 Apr 2014
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 128 (479,191)

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class action, Israeli Law, judicial consideration, compensation

19.

?קוד אתי – מה הוא מוסיף על הרגולציה של הבנקים
(Ethical Code – Does it Add Anything to Banking Regulation?)

27 Bar-Ilan Law Studies 261-313, (2011)
Number of pages: 54 Posted: 18 Aug 2014
Aviva Geva and Ruth Plato-Shinar
Open University of Israel - Department of Mathematics and Computer Science and Netanya Academic College, Israel
Downloads 124 (491,336)

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ethics, internal enforcement program, ethical code, unfiar profit, banking ragulation

20.

Israel: Personal Guarantees Between Commercial Law and Consumer Protection

Ius Comparatum: Global Studies in Comparative Law (Springer, Forthcoming)
Number of pages: 22 Posted: 15 Aug 2014
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 118 (510,364)

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guarantee, indemnity, bank-guarantor relationship, right of recourse, disclosure obligation, Israeli law

21.

Can the Twin Peaks Model of Financial Regulation Serve as a Model for Israel?
? האם מודל ה"טווין פיקס" לרגולציה פיננסית מתאים לישראל

The Cambridge Handbook of Twin Peaks Financial Regulation (Andrew Godwin & Andy Schmulow eds. forthcoming in 2020)
Number of pages: 34 Posted: 05 Mar 2020
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 117 (513,658)

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financial regulation, architecture of financial regulation, Twin Peaks, inter-agency cooperation, financial regulation in Israel, financial regulators, regulatory cooperation

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law and language, banking contract, standrd contract, bank-customer relationship, relational contract, fiduciary duty

23.

The Banking Contract as a Special Contract: The Israeli Approach

Touro Law Review, Vol. 29, No. 3, 2013
Number of pages: 26 Posted: 21 Apr 2014
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 114 (523,876)

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bank-customer relationship, banking contract, fiduciary duty, duty of disclosure, conflict of interests, Israeli banking law

24.

הזכות לפרטיות פיננסית: עולם הולך ונעלם
The Right to Financial Privacy: A Disappearing Era

2 Law Society and Culture 199,2019, Michael Binrhack Ed
Number of pages: 32 Posted: 11 Apr 2019
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 113 (527,373)

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bank secrecy,financial privacy,money laundering,credit data,fatca

25.

?הרהורים על גבולותיה הראויים של חובת האמון הבנקאית: הבנק כאפוטרופוס של הלקוח
(Thoughts About the Proper Boundaries of the Bank's Fiduciary Duty: Should the Bank serve as the Guardian of the Customer?)

Fiduciary Duties in the Israeli Law (Ruth Plato-Shinar & Joshua Segev, eds. Nevo Publishing House), Forthcoming
Number of pages: 24 Posted: 18 Aug 2014 Last Revised: 10 Apr 2016
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 113 (527,373)

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bank-customer relationship, fiduciary duty, the bank as a guardian, bank's liability,altruism

26.

The Bank's Fiduciary Duty: An Israeli-Canadian Comparison

22(1) Banking and Finance Law Review 1 (2006)
Number of pages: 22 Posted: 21 Apr 2014
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 112 (530,947)

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bank'customer relationship, fiduciary duty, Israeli banking law, Canadian banking law

27.

The Bank's Duty of Disclosure – Towards a New Model

27 Banking & Finance Law Review 427
Number of pages: 18 Posted: 23 Apr 2014
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 109 (541,640)

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bank-customer relationship, fiduciary duty, banking contract, duty of disclosure, israeli banking law

28.

Banking Regulation in Israel: Balancing Systemic Stability and Consumer Protection

Regulation in Israel: Values, Effectiveness, Methods (E. Tevet, V. Shiffer, I. Galnoor eds.) 2021
Number of pages: 22 Posted: 25 Jan 2022
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 100 (576,885)

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banking regulation, financial regulation, prudential regulation, stability, consumer protection, bank fees

29.

Israel: The Impact of the Anti-Money Laundering Legislation on the Banking System

7(1) Journal of Money Laundering Control 18
Number of pages: 20 Posted: 30 Apr 2014
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 100 (576,885)

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money laundering, bank-customer relationship, bank regulation, bank secrecy, bank confidentiality, know your customer

30.

The Bank Fees Regime in Israel - A Political Economy Perspective רפורמת העמלות בישראל מנקודת מבט של כלכלה פוליטית

Perspectives in the Political Economy of Financial Regulation. Emilios Avgouleas and David C. Donald, eds. Cambridge University Press, Forthcoming
Number of pages: 30 Posted: 25 Mar 2017 Last Revised: 05 Mar 2020
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 94 (600,664)

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bank fees, banking regulation, bank supervision, price suprevision, bank-customer relationship, regulatory capture

31.

פרשת עוקץ הקשישים: אחריותם של נותני שירותי תשלום במקרי עוקץ לקוחות על ידי בתי עסק The Responsibility of Payment Service Providers to Elderly People Being Stung by Businesses

Festschrift in honor of Prof. Sinai Deutsch (Moshe Gelbard and Ruth Plato-Shinar, eds., Forthcoming in 2024)
Number of pages: 49 Posted: 14 Aug 2023
Ruth Plato-Shinar and Michal Ofer-Tsfoni
Netanya Academic College, Israel and Netanya Academic College - School of Law
Downloads 93 (604,653)

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Class action, payments, financial consumer protection, elderly, banking, credit cards, digital payments

32.

חוק הבנקאות (שירות ללקוח), התשמ"א-1981: על היעדרה של חובת אמון בחוק
(Banking (Service to Customer) Law 1981: On the Absence of a Fiduciary Duty)

5 Hukim – Journal on Legistation 179 (2013)
Number of pages: 58 Posted: 14 Aug 2014 Last Revised: 18 Aug 2014
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 92 (608,802)

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bank-customer relationship, fiduciary duty, inequality of power, conflict of interests, remedies

33.

Lenders' Liability for Environmental Damages in the Absence of Statutory Regulation -- Lessons from the Israeli Model: Part 1

5(5) Law and Financial Markets Review 367, 2011
Number of pages: 13 Posted: 23 Apr 2014 Last Revised: 14 Aug 2014
Ruth Plato-Shinar and Marcia Gelpe
Netanya Academic College, Israel and Mitchell Hamline School of Law
Downloads 90 (617,143)

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lenders liability, environmental liability, Israeli law, CERCLA, bank regulation

34.

תפקיד המשפט בפיתוח ובעיצוב מערך אמצעי התשלום בישראלThe Role of the Law in Developing and Designing the Payments Ecosystem in Israel

5 Law Society & Culture 361 (2022)
Number of pages: 42 Posted: 14 Apr 2022
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 82 (652,955)

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payments, digital payments, financial consumer protection, PSD2, law and technology, financial innovation

35.

The Right to Financial Privacy in an Era of Mandatory Duties of Disclosure

38 Banking & Finance L. Rev. -- (2022)
Number of pages: 18 Posted: 20 Aug 2022
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 80 (662,380)

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bank secrecy, financial privacy, anti-money laundering, FATCA, credit data, bank-customer relationship

36.

מכשול השפה בטפסים הבנקאיים - אחריותו של הבנק כמורה נבוכים
Banking Documents: The Bank's Liability to Guide the Perplexed

עיונים בשפה וחברה כרך ה - גליון מיוחד בנושא לשון ומשפט בישראל 128, 2012
Israel Studies in Language and Society Vol. 5 Special Issue on Language and Law in Israel 128 (2013)
Number of pages: 15 Posted: 18 Aug 2014
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 69 (719,697)

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Bank-customer relationship, banking documents, obligation of translation, obligation of explanation, language barrier, semiotics

37.

Financial Consumer Protection in the Post Financial Crisis Era: Can the American CFPB Serve as a Model for Other Jurisdictions?

Texas International Law Journal, Vol. 54, No. 2, 2019
Number of pages: 29 Posted: 05 Dec 2019 Last Revised: 17 Aug 2020
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 62 (761,461)
Citation 1

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FCPB, financial consumer protection, Israeli financial regulation, Twin Peaks Model, architecture of financial regulation

38.

The Bank's Fiduciary Duty Under Israeli Law: Is There a Need to Transform it from an Equitable Principle into a Statutory Duty?

39 Common Law World Review 219
Number of pages: 27 Posted: 23 Apr 2014
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 56 (801,597)

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bank-customer relationship,fiducairy duty, financial consumer protcetion, israeli banking law

39.

Lenders' Liability for Environmental Damages in the Absence of Statutory Regulation -- Lessons from the Israeli Model: Part 2

5(6) Law and Financial Markets Review 458
Number of pages: 9 Posted: 23 Apr 2014
Ruth Plato-Shinar and Marcia Gelpe
Netanya Academic College, Israel and Mitchell Hamline School of Law
Downloads 56 (801,597)

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lenders liability, environmental liability, Israeli law, loans, financial regulation, SERCLA

40.

The Task Force's Payments System Review Report - An Outsider's View

53 Canadian Business Law Journal 215, 2012
Number of pages: 18 Posted: 21 Apr 2014
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 56 (801,597)

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payments system, cheque, check, electronic payments, mobile payments, digital signature, self regulation, financial supervision

41.

Shaming by Bank Regulators – Methods and Applications

Forthcoming in "The Legal Aspects of Shaming: An Ancient Sanction in the Modern World" (Guy Seidman and Meital Pinto, eds., Edward Elgar Publishing, 2023)
Number of pages: 18 Posted: 21 Sep 2022
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 54 (815,989)

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shaming, regulatory shaming, banking system, bank supervision, prudential regulation, regulatory enforcement, run on the bank, transparency

42.

Class Actions Against Banks Under the New Israeli Law on Class Actions

23(2) The International Construction Law Review 187 (2007)
Number of pages: 30 Posted: 22 Apr 2014
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 49 (854,445)

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class action, Israeli law, bank-customer relationship

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failure of consideration;holder in due corse; law of bills;negotiable instruments;legal anachronism

44.

An Angel Named 'The Bank': The Bank's Fiduciary Duty as the Basic Theory in Israeli Banking Law

36(1) Common Law World Review 27 (2007)
Number of pages: 23 Posted: 22 Apr 2014
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 48 (862,584)
Citation 1

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bank-customer relationship, Israeli banking law, fiduciary duty, remedies, garantor, waiver

45.

Construction Loans in Israel: Bank's Liability Towards Third Parties

Number of pages: 14 Posted: 26 Mar 2016
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 46 (879,288)
Citation 3

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Construction Loans, Bank's Liability, Home Buyers

46.

ביוש רגולטורי: האם מתאים לשמש כלי אכיפה בתחום הבנקאי Regulatory Shaming: Should it Serve as an Enforcement Tool in Banking Regulation?

23 Law and Business 677 (2020)
Number of pages: 44 Posted: 28 Feb 2019 Last Revised: 16 Aug 2022
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 42 (914,592)

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Regulation, financial regulation, shaming, enforcement, run on the bank, bank stability, bank supervision

47.

עיקול מסגרות אשראי - הרהורים לקראת פסיקה מחודשת של בית המשפט העליון
(Attachment of Overdraft Facilities: a Few Thoughts Before a New Precedent of the Israeli Supreme Court)

עיוני משפט ח, ,126-101 תשע"ג
8 Netanya Academic College Law Review 101-126 (2012)
Number of pages: 34 Posted: 18 Aug 2014
Ruth Plato-Shinar and Michal Ofer-Tsfoni
Netanya Academic College, Israel and Netanya Academic College - School of Law
Downloads 41 (923,893)

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attachment, garnishment, third party proceedings, overdraft, credit line, bank customer relationship

48.
Downloads 40 (933,310)

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Fiduciary Duty, securitization, seling loan portfolios, assignment of rights, bank-customer relationship

49.

על הטרנספורמציה ביחסי בנק-ערב: מהלכת ליפרט ועד היום
(The Transformation in the Guarantor's Status – from the Case of Liepart Until Today)

Matza Book (Honorarium for Justice Matza)
Number of pages: 27 Posted: 18 Aug 2014 Last Revised: 10 Apr 2016
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 38 (952,729)

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Bank-guarantor relationship, consumer protection, personal guarantee, Israeli law on guarantees, disclosure obligations, fiduciary duty

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bank-customer relationship, fiduciay duty, consumer duty, financial consumer protection, digital banking, fintech, open banking, AI, banking regulation, datafication of finance, personalization, nudges

51.

The Willingness of the Public to Adopt a Digital Shekel

Number of pages: 62 Posted: 07 May 2025
Netanya Academic College, Israel, Luminata, Bank of Israel and Bank of Israel
Downloads 12 (1,251,875)

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CBDC, Digital Shekel, Digital Currency, Privacy, Financial Inclusion, Financial Literacy, Digital Literacy, Cash, Payment Systems, Trust in Central Bank, Bank Disintermediation, Digital Payments, Smart Contracts

52.

Allocation of Liability Between Merchant and Acquirer in Cases of Fraudulent Payments B.G.A.N. Fashion Ltd. v. Isracard Ltd. (Israel, 2024)

Banking and Finance Law Review, volume 41, No. 3 (forthcoming)
Number of pages: 6 Posted: 07 May 2025
Ruth Plato-Shinar
Netanya Academic College, Israel
Downloads 10 (1,272,500)

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payments, credit card, fraud, contractusl liability, banking, PSD2, Israel, payments service, Fintech, consumer protection, risk allocation, financial regulation

53.

The Willingness o fthe Israeli Public to Adopt Digital Shekel (in Hebrew)
נכונות הציבור הישראלי לאמץ שקל דיגיטלי

Number of pages: 55 Posted: 30 Apr 2025
Netanya Academic College, Israel, Luminata, Bank of Israel and Bank of Israel
Downloads 9 (1,281,682)

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