DORA and LSI Banks

Proportionality Put to the Test
Erscheinungsjahr 2026
ISBN: 978-3-658-52896-6
Verlag: Springer

Buch, Englisch, 82 Seiten, Format (B × H): 148 mm x 210 mm, Gewicht: 132 g

This study examines the digital operational resilience of small and medium-sized credit institutions in light of the EU's Digital Operational Resilience Act (DORA). At its core is the question of how a uniformly calibrated European ICT regulatory framework can be reconciled with the limited resources and business models of German Less Significant Institutions (LSI banks), and where tensions arise between regulatory expectations and practical implementation.

Based on a systematic analysis of the existing supervisory framework and an empirical survey of German LSI institutions, the study identifies the key areas of regulatory burden in ICT risk management, incident reporting, digital resilience testing, and the management of ICT third-party providers. The findings reveal where DORA effectively places disproportionate demands on smaller institutions and how the principle of proportionality would need to be further specified in order to achieve a sustainable balance between digital stability, operational efficiency, and competitiveness in the European banking sector.

Zielgruppe

Research

Autoren/Hrsg.

Michelmann, Oliver

Fachgebiete

• Rechtswissenschaften Wirtschaftsrecht Bank- und Versicherungsrecht Bank-, Sparkassen- und Börsenrecht
• Mathematik | Informatik EDV | Informatik Angewandte Informatik Wirtschaftsinformatik
• Wirtschaftswissenschaften Finanzsektor & Finanzdienstleistungen Bankwirtschaft
• Rechtswissenschaften Internationales Recht und Europarecht Europarecht Europäisches Handels-, Wirtschafts- und Gesellschaftsrecht, Währungsrecht
• Rechtswissenschaften Internationales Recht und Europarecht Europarecht Europäischer Gewerblicher Rechtsschutz, Medien-, IT- und Urheberrecht
• Wirtschaftswissenschaften Betriebswirtschaft Wirtschaftsinformatik, SAP, IT-Management

Inhaltsverzeichnis

Introduction.- Regulatory Framework.- Methodology.- Findings.- Evaluation of the Findings.- Conclusion and Outlook.- References.

Über Autor(innen)

The author is employed as a civil servant at Deutsche Bundesbank and completed a Master’s degree in Finance with a specialization in Risk Management in Banking at Allensbach University alongside his professional responsibilities. As a banking supervisory examiner, he participates in on-site supervisory inspections, primarily focusing on enterprise-wide risk management and IT governance