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Author : Jan A. Jans
Publisher : Springer Nature
ISBN 13 : 3031643380
Total Pages : 384 pages
Book Rating : 4.0/5 (316 download)
Download or read book Electronic Payments in the European Market written by Jan A. Jans and published by Springer Nature. This book was released on with total page 384 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Jakub Górka
Publisher :
ISBN 13 : 9781349712519
Total Pages : pages
Book Rating : 4.7/5 (125 download)
Download or read book Transforming Payment Systems in Europe written by Jakub Górka and published by . This book was released on 2016 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher :
ISBN 13 : 9789493315211
Total Pages : 0 pages
Book Rating : 4.3/5 (152 download)
Download or read book Towards a Level-playing Field Between Banks and Non-Banks in the European Market for Electronic Payments written by and published by . This book was released on 2023 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since the nineties of the last century, credit institutions (hereinafter ‘Banks’) have developed a variety of different electronic payment (hereinafter ‘Payment’) solutions, which enable payment service users (hereinafter ‘PSUs’) to transfer funds electronically. Further to the offering of these solutions, Banks were also responsible for the execution of the relevant steps in the processing of Payments, including authorisation and clearing and settlement. Shortly thereafter, other service providers started entering the market as a competitor of Banks. Having a larger group of payment service providers (hereinafter ‘PSPs’) offering payment services is assumed to offer social welfare benefits such as: (i) a reduction in the costs of payment services for PSUs; and (ii) a positive stimulus for innovation in the Payments market. To establish a European Payments market that enhances social welfare, it is therefore essential to have sound competition between Banks and non-Banks. Achieving a ‘level playing field’ between Banks and nonBanks is a requisite for achieving such sound competition in the Payments market. It is therefore as important as ever to have a better understanding of the extent to which the European financial services regulatory framework for the Payments market contributes to the establishment of such level playing field and whether it is necessary to make further improvements to this framework to enhance the level playing field. In legal literature, the concept of a level playing field is most often interpreted as having relatively low barriers to market entry for non-Banks. More specifically, a level playing field is believed to exist if PSPs are subject to market entry requirements that are proportionate to the size and complexity of their business model.
Author : Jan A. Jans
Publisher : Palgrave Macmillan
ISBN 13 : 9783031643378
Total Pages : 0 pages
Book Rating : 4.6/5 (433 download)
Download or read book Electronic Payments in the European Market written by Jan A. Jans and published by Palgrave Macmillan. This book was released on 2024-09-14 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book offers a holistic approach to the level playing field concept that takes into account six regulatory objectives of the European financial services regulatory framework for banks and non-banks. These intermediate objectives are: (i) facilitating market access by non-banks to provide payment services; (ii) safeguarding the security of the payments market; (iii) safeguarding the integrity of the payments market; (iv) enhancing consumer protection in case of an unauthorised or erroneous payments; (v) allowing non-banks access to payment systems; and (vi) facilitating collaboration between competing payment service providers to develop standards for the payments market that reflect the interests of both banks and non-banks. The book discusses the rules and regulations covering these intermediate objectives to determine the extent to which there is a level playing field between banks and non-banks. In addition, the book provides high-level summaries of competition law requirements and related case law, and will be of interest to researchers, academics, and financial law practitioners.
Author : Tom Kokkola
Publisher :
ISBN 13 : 9789289906333
Total Pages : 369 pages
Book Rating : 4.9/5 (63 download)
Download or read book The Payment System written by Tom Kokkola and published by . This book was released on 2010 with total page 369 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This book is designed to provide the reader with an insight into the main concepts involved in the handling of payments, securities and derivatives and the organisation and functioning of the market infrastructure concerned. Emphasis is placed on the general principles governing the functioning of the relevant systems and processes and the presentation of the underlying economic, business, legal, institutional, organisational and policy issues. The book is aimed at decision-makers, practitioners, lawyers and academics wishing to acquire a deeper understanding of market infrastructure issues. It should also prove useful for students with an interest in monetary and financial issues."--Introduction (Pg. 20, para 8).
Author : Rebecca Marx
Publisher : GRIN Verlag
ISBN 13 : 3668370796
Total Pages : 144 pages
Book Rating : 4.6/5 (683 download)
Download or read book Critical Assessment of Instant Payments as a Solution for the German Market written by Rebecca Marx and published by GRIN Verlag. This book was released on 2016-12-29 with total page 144 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2016 in the subject Business economics - Trade and Distribution, grade: 1,7, University of applied sciences, Cologne, language: English, abstract: Regulators recognize digitalization and increased economic speed and derive the necessity of a new payment instrument that accelerates payments. This is assumed to address the consumers’ behavioural change due to instant messaging, which substantiates a new consumer demand for instant payment execution. Subsequently, a new electronic payment instrument was conceived by the European Central Bank (ECB) and further refined by two industry stakeholder associations. This concept for a new payment system is commonly referred to as “Instant Payments” and shall be the field of attention for this thesis. This work has two main objectives in regards to the European concept of Instant Payments as in discussion today. The first aim of this work is to examine the factual basis for the ECB’s rationale by analysing the German payment market ultimately aiming at a conclusion on the attractiveness of an Instant Payments solution for the German payment market. Subsequent and referring to this market examination, the second objective is to identify a suitable design and a possible implementation approach for an Instant Payments solution in Germany.
Author : David B. Humphrey
Publisher :
ISBN 13 :
Total Pages : 52 pages
Book Rating : 4.:/5 (318 download)
Download or read book The Evolution of Payments in Europe, Japan, and the U.S. written by David B. Humphrey and published by . This book was released on 1996 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Asli Demirguc-Kunt
Publisher : World Bank Publications
ISBN 13 : 1464812683
Total Pages : 228 pages
Book Rating : 4.4/5 (648 download)
Download or read book The Global Findex Database 2017 written by Asli Demirguc-Kunt and published by World Bank Publications. This book was released on 2018-04-19 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
Author : Diana Breidenbach
Publisher : GRIN Verlag
ISBN 13 : 3346675009
Total Pages : 68 pages
Book Rating : 4.3/5 (466 download)
Download or read book Potential Impact of Digital Currencies on Electronic Payments and Monetary Policy in the Eurozone written by Diana Breidenbach and published by GRIN Verlag. This book was released on 2022-07-07 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bachelor Thesis from the year 2021 in the subject Economics - Finance, grade: 1,0, , language: English, abstract: As we move forward, incidents such as the Covid-19 pandemic demonstrate the importance of having access to multiple means of payment. With the growth of digital payment options, the topic of e-money and its economic impact has increasingly come into academic focus. The aim of this bachelor thesis is therefore to summarize the current state of research on digital currencies and to provide new insights into their impact on payments and monetary policy. This study concentrates mainly on the European market with a particular emphasis on the Eurozone. Using recent literature and academic studies, a literature review examines the impact of digital currencies on monetary policy. Further, this paper develops and demonstrates new insights about digital currencies in a quantitative empirical study. The quantitative analysis was chosen in order to obtain measurable values for comparison. From this, the following research question can be derived: How could digital currencies potentially impact electronic payments and monetary policy in the Eurozone? Following the introduction, chapter two provides the reader with a comprehensive and in-depth examination of theoretical foundations. To this end, the terms currency and money are clarified, and different payment systems are discussed. In addition, business models based on companies are presented, as well as monetary policy and the ECB are explained in more detail. After the theory section, the third chapter covers the approach, the empirical method, and the data collection and analysis procedures. Subsequently, chapter four presents the research results to provide an answer to the research question. The fifth chapter deals with the discussion, including hypothesis testing. The final section completes the thesis with a conclusion.
Author : Peter A. Bruck
Publisher : Springer Science & Business Media
ISBN 13 : 354026387X
Total Pages : 246 pages
Book Rating : 4.5/5 (42 download)
Download or read book E-Content written by Peter A. Bruck and published by Springer Science & Business Media. This book was released on 2006-01-16 with total page 246 pages. Available in PDF, EPUB and Kindle. Book excerpt: Technologies develop rapidly and reach hurricane levels of velocity but quality E-Content and innovative applications lag behind. This book addresses the question how content industries change within a digital environment and what role information and communication technologies play in transforming the competitive landscape. The authors argue that post-industrial societies tend to pay substantial amounts for equipment and gadgets but invest far too little in the quality of the content. As a result, much effort is and has to be spent on the enhancement of E-Content. The contributions give an elaborate overview of: - the specifics, challenges and prospects of content in the network economy; - market developments of digital media services; - paid content business models; - impacts on scientific publishing; - developments in the field of E-Learning; - the interplay between technology and content with the example of interactive digital TV; - the mobile games market; - emerging new cross media markets; - the need to enhance the usability of websites and mobile applications; - how digital applications might be used to capture and store our personal experiences. A final chapter shows the prospects of the European E-Content market and gives an overview of valuable initiatives and resources dealing with the topic of E-Content.
Author : Despina Mavromati
Publisher : Kluwer Law International B.V.
ISBN 13 : 9041127003
Total Pages : 335 pages
Book Rating : 4.0/5 (411 download)
Download or read book The Law of Payment Services in the EU written by Despina Mavromati and published by Kluwer Law International B.V.. This book was released on 2008-01-01 with total page 335 pages. Available in PDF, EPUB and Kindle. Book excerpt: The role that payments play within the general framework of financial services in the EC is indispensable for the realization of a true single European market including, inter alia, the conditions of cross-border purchasing, the legal framework of consumer protection, and the technical standards against fraud in payment systems. The Commission's New Legal Framework for payment services in the internal market - as evidenced by the EC Payment Services Directive (PSD) - represents an important step towards the completion of an initiative for a Single Euro Payments Area and, more broadly, EU-wide.
Author : Theo Lynn
Publisher : Springer
ISBN 13 : 3030023303
Total Pages : 194 pages
Book Rating : 4.0/5 (3 download)
Download or read book Disrupting Finance written by Theo Lynn and published by Springer. This book was released on 2018-12-06 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt: This open access Pivot demonstrates how a variety of technologies act as innovation catalysts within the banking and financial services sector. Traditional banks and financial services are under increasing competition from global IT companies such as Google, Apple, Amazon and PayPal whilst facing pressure from investors to reduce costs, increase agility and improve customer retention. Technologies such as blockchain, cloud computing, mobile technologies, big data analytics and social media therefore have perhaps more potential in this industry and area of business than any other. This book defines a fintech ecosystem for the 21st century, providing a state-of-the art review of current literature, suggesting avenues for new research and offering perspectives from business, technology and industry.
Author : Mr.Tobias Adrian
Publisher : International Monetary Fund
ISBN 13 : 1498324908
Total Pages : 20 pages
Book Rating : 4.4/5 (983 download)
Download or read book The Rise of Digital Money written by Mr.Tobias Adrian and published by International Monetary Fund. This book was released on 2019-07-15 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper marks the launch of a new IMF series, Fintech Notes. Building on years of IMF staff work, it will explore pressing topics in the digital economy and be issued periodically. The series will carry work by IMF staff and will seek to provide insight into the intersection of technology and the global economy. The Rise of Digital Money analyses how technology companies are stepping up competition to large banks and credit card companies. Digital forms of money are increasingly in the wallets of consumers as well as in the minds of policymakers. Cash and bank deposits are battling with so-called e-money, electronically stored monetary value denominated in, and pegged to, a currency like the euro or the dollar. This paper identifies the benefits and risks and highlights regulatory issues that are likely to emerge with a broader adoption of stablecoins. The paper also highlights the risks associated with e-money: potential creation of new monopolies; threats to weaker currencies; concerns about consumer protection and financial stability; and the risk of fostering illegal activities, among others.
Author : Wilko Bolt
Publisher :
ISBN 13 :
Total Pages : 29 pages
Book Rating : 4.:/5 (129 download)
Download or read book Payment Network Scale Economies, SEPA, and Cash Replacement written by Wilko Bolt and published by . This book was released on 2019 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt: The goal of SEPA (Single Euro Payments Area) is to facilitate the emergence of a competitive, intra-European market by making cross-border payments as easy as domestic transactions. With crossborder inter-operability for electronic payments, card transactions will increasingly replace cash and checks for all types of payments. Using different methods, the authors estimate card and other payment network scale economies for Europe. These indicate substantial cost efficiency gains if processing is consolidated across borders rather than quot;piggybackedquot; onto existing national operations. Cost reductions likely to induce greater replacement of small value cash transactions are also illustrated.
Author :
Publisher :
ISBN 13 :
Total Pages : 760 pages
Book Rating : 4.3/5 ( download)
Download or read book Blue Book written by and published by . This book was released on 2001 with total page 760 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Group of Ten. Committee on Payment and Settlement Systems
Publisher :
ISBN 13 :
Total Pages : 80 pages
Book Rating : 4.3/5 ( download)
Download or read book Recommendations for Central Counterparties written by Group of Ten. Committee on Payment and Settlement Systems and published by . This book was released on 2004 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Gabriella Gimigliano
Publisher : Palgrave Macmillan
ISBN 13 : 9781349847051
Total Pages : 339 pages
Book Rating : 4.8/5 (47 download)
Download or read book Bitcoin and Mobile Payments written by Gabriella Gimigliano and published by Palgrave Macmillan. This book was released on 2016-05-30 with total page 339 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides a critical analysis of The European Union’s regulatory framework for mobile payments and bitcoin. Chapters discuss the creation of the EU single market for e-payments and combine legal analysis with comparative case studies in their exploration of the regulatory challenges surrounding e-payments. The contributing authors analyse the key economic and legal issues of the development of bitcoin and mobile payments within the EU framework through a comparative lens. They cover topics ranging from user data and funds protection and the stability of the payment system to the competitiveness of the EU market. Providing a comprehensive and methodological guide to the bitcoin and mobile payments in Europe, this book will prove an illuminating and informative read for academics, students and policy makers with an interest in the impact of innovation on payment systems.
