And that’s another point for the Netherlands.
TLC Companies often offer bundles of phone services and smartphones; yet, such hire/purchase deal implies a loan and the loans never come for free.
Few information is shared and which part of the payment relates to what and the AFM has sole authority on that (a smartphone is given as credit, not the minutes, sms and mobile data). Specific laws apply and in this case, more comprehensive information must be granted to consumers (credit tables must be reported aside, so that comparisons are possible).
Last but not least, since the loan implies the bank duty to collect income’s information from the clients, Telcos will need to enforce that and prepare their clients.