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Payments Evolution From Paper To Electronic Payments By Merchant Type
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Book Synopsis Electronic Payment Systems: a User-Centered Perspective and Interaction Design by : Dennis Abrazhevich
Download or read book Electronic Payment Systems: a User-Centered Perspective and Interaction Design written by Dennis Abrazhevich and published by Dennis Abrazhevich. This book was released on 2004 with total page 202 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis State Banking in Early America by : Howard Bodenhorn
Download or read book State Banking in Early America written by Howard Bodenhorn and published by Oxford University Press, USA. This book was released on 2003 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt: Examines the different state banking systems in the U.S. from 1790 through 1860.
Book Synopsis Report on Electronic Money by : European Central Bank
Download or read book Report on Electronic Money written by European Central Bank and published by . This book was released on 1998 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: Informe en el que se exponen las medidas que deben adoptarse respecto al dinero electronico con el fin de no dificultar la direccion de la politica monetaria, mantener la estabilidad de los mercados financieros y de los sistemas de pagos. Define el dinero electronico, clarifica las diferencias con otros medios de pago y hace una exposicion de la experiencia en este terreno desde la publicacion del Informe del IME 1994. A continuacion, enumera los temas normativos que afectan al desarrollo del dinero electronico, analiza sus implicaciones para la politica monetaria y expone los requisitos minimos para que la politica monetaria sea efectiva. Para terminar, trata entre otros temas la cuestion del estatus del emisor del dinero electronico y el problema de la vigilancia de los sistemas de pagos y la supervision prudencial. (pgp).
Book Synopsis Finance With A Purpose: Fintech, Development And Financial Inclusion In The Global Economy by : Frederic De Mariz
Download or read book Finance With A Purpose: Fintech, Development And Financial Inclusion In The Global Economy written by Frederic De Mariz and published by World Scientific. This book was released on 2022-05-30 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: From vehicles to music, power generation to retail, every aspect of our daily routine has experienced drastic changes in the recent past, driven by secular forces such as digitization, a growing focus on sustainability, regulatory changes and evolving consumer behavior. Financial services are no exception. A paradigm change is at play in the financial sector, with a surge in competition from non-traditional actors, a revolution in customer experience evidenced by rising transparency and customer-centric strategies. FinTech is disrupting financial services, providing a historic opportunity for formally underserved customers, a formidable threat to existing banks and a critical challenge to regulators. Through the lens of FinTech (financial technology) — including payments, lending platforms, insurtech, superapps and market infrastructure — the author highlights the practical policy opportunities and risks of financial inclusion with a wealth of data.This book tells the story of entrepreneurs, companies, investors, researchers and regulators who are building the financial services of tomorrow and the mechanisms that will allow us as a society to fulfill the promise of inclusion. There are still challenges to overcome, particularly high levels of informality, subpar quality in financial services, and low levels of financial education. Regulators play a crucial role to foster inclusion, proposing sandboxes and stepping up their efforts against risks triggered by technology such as monopolistic behavior, consumer protection and cybercrime.Finance with a Purpose combines the theory in the fields of economics, finance and law with the practice of financial institutions, corporates, households and investors. By combining the latest academic research with ample professional experience in emerging markets, this book is essential for policymakers, scholars, and any reader who wants to understand the recent progress in financial inclusion and how it can be used to alleviate inequality and foster economic development.
Book Synopsis The Evolution of Law against Payment Frauds by : Christopher Chen
Download or read book The Evolution of Law against Payment Frauds written by Christopher Chen and published by Taylor & Francis. This book was released on 2022-12-09 with total page 179 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines the evolution of legal institutions in containing and tackling fraudulent activities plaguing payment systems (‘payment fraud’, e.g. forged cheques, wrongful payment instructions, etc.) in Asia, focusing on laws in Greater China and Singapore. In the past century, the payment system has invited much innovation, changing the modes of payments from exchanging cash and coins to the use of cards, wire transfers and other new types of payment instruments or services (e.g. bitcoins or QR code payments). As the nature of payment services is to move money from one place to another, it naturally attracts fraudsters. Even with advanced computer technology, payment fraud is still rampant in the market, causing billions of dollars in losses globally per annum. Through an examination of payment instruments and associated frauds over time, the book illustrates a shifting trend of legal solutions from criminal sanctions and civil compensation to a gradual focus on regulations of payment intermediaries. This trend reflects the complexity of payment systems and the challenge of protecting them. The book also identifies the underlying actors and institutional characteristics driving the evolution of legal institutions to deal with payment fraud and illustrates how the arrival of new technology may affect the market and thus the evolution of legal institutions. The book will help readers to better understand the interaction between technology, the market and law and help regulators, financial institutions, practitioners and end users, as well as about payment fraud and corresponding legal responses.
Book Synopsis Two-Sided Market, R&D and Payments System Evolution by : Bin Grace Li
Download or read book Two-Sided Market, R&D and Payments System Evolution written by Bin Grace Li and published by International Monetary Fund. This book was released on 2019-03-18 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt: It takes many years for more efficient electronic payments to be widely used, and the fees that merchants (consumers) pay for using those services are increasing (decreasing) over time. We address these puzzles by studying payments system evolution with a dynamic model in a twosided market setting. We calibrate the model to the U.S. payment card data, and conduct welfare and policy analysis. Our analysis shows that the market power of electronic payment networks plays important roles in explaining the slow adoption and asymmetric price changes, and the welfare impact of regulations may vary significantly through the endogenous R&D channel.
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).
Download or read book Lombard Street written by Walter Bagehot and published by . This book was released on 1906 with total page 380 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Global Findex Database 2017 by : Asli Demirguc-Kunt
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.
Book Synopsis The Federal Reserve System Purposes and Functions by : Board of Governors of the Federal Reserve System
Download or read book The Federal Reserve System Purposes and Functions written by Board of Governors of the Federal Reserve System and published by . This book was released on 2002 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides an in-depth overview of the Federal Reserve System, including information about monetary policy and the economy, the Federal Reserve in the international sphere, supervision and regulation, consumer and community affairs and services offered by Reserve Banks. Contains several appendixes, including a brief explanation of Federal Reserve regulations, a glossary of terms, and a list of additional publications.
Book Synopsis Payment Technologies for E-Commerce by : Weidong Kou
Download or read book Payment Technologies for E-Commerce written by Weidong Kou and published by Springer Science & Business Media. This book was released on 2013-03-14 with total page 4 pages. Available in PDF, EPUB and Kindle. Book excerpt: Electronic payment is the economic backbone of all e-commerce transactions. This book covers the major subjects related to e-payment such as, for example, public key infrastructure, smart cards, payment agents, digital cash, SET protocols, and micro-payment. Its first part covers the infrastructure for secure e-payment over the Internet, whereas in the second part a variety of e-payment methods and systems are described. This edited volume offers a well-written and sound technical overview of the state of the art in e-payment for e-business developers, graduate students, and consultants. It is also ideally suited for classes and training courses in e-commerce or e-payment.
Book Synopsis Security of Electronic Money by : Committee on Payment and Settlement Systems
Download or read book Security of Electronic Money written by Committee on Payment and Settlement Systems and published by . This book was released on 1996 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Implications for Central Banks of the Development of Electronic Money by : Bank for International Settlements
Download or read book Implications for Central Banks of the Development of Electronic Money written by Bank for International Settlements and published by . This book was released on 1996 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Payment Systems in the Group of Ten Countries by :
Download or read book Payment Systems in the Group of Ten Countries written by and published by . This book was released on 1993 with total page 564 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Electronic Commerce by : Efraim Turban
Download or read book Electronic Commerce written by Efraim Turban and published by Springer. This book was released on 2015-01-29 with total page 818 pages. Available in PDF, EPUB and Kindle. Book excerpt: Throughout the book, theoretical foundations necessary for understanding Electronic Commerce (EC) are presented, ranging from consumer behavior to the economic theory of competition. Furthermore, this book presents the most current topics relating to EC as described by a diversified team of experts in a variety of fields, including a senior vice president of an e-commerce-related company. The authors provide website resources, numerous exercises, and extensive references to supplement the theoretical presentations. At the end of each chapter, a list of online resources with links to the websites is also provided. Additionally, extensive, vivid examples from large corporations, small businesses from different industries, and services, governments, and nonprofit agencies from all over the world make concepts come alive in Electronic Commerce. These examples, which were collected by both academicians and practitioners, show the reader the capabilities of EC, its cost and justification, and the innovative ways corporations are using EC in their operations. In this edition (previous editions published by Pearson/Prentice Hall), the authors bring forth the latest trends in e-commerce, including social businesses, social networking, social collaboration, innovations, and mobility.
Book Synopsis Paying with Plastic, second edition by : David S. Evans
Download or read book Paying with Plastic, second edition written by David S. Evans and published by MIT Press. This book was released on 2004-12-17 with total page 329 pages. Available in PDF, EPUB and Kindle. Book excerpt: The definitive account of the trillion-dollar payment card industry. The payment card business has evolved from its inception in the 1950s as a way to handle payment for expense-account lunches (the Diners Club card) into today's complex, sprawling industry that drives trillions of dollars in transaction volume each year. Paying with Plastic is the definitive source on an industry that has revolutionized the way we borrow and spend. More than a history book, Paying with Plastic delivers an entertaining discussion of the impact of an industry that epitomizes the notion of two-sided markets: those in which two or more customer groups receive value only if all sides are actively engaged. New to this second edition, the two-sided market discussion provides useful insight into the implications of these market dynamics for cardholder rewards, merchant interchange fees, and card acceptance. The authors, both of whom have researched the industry for more than 25 years, also examine the implications of the recent antitrust cases on the industry as well as other business and technological changes—including the massive consolidation brought about by bank mergers, the rise of the debit card, and the emergence of e-commerce—that could alter the payment card industry dramatically in the years to come.
Book Synopsis Oversight Issues in Mobile Payments by : Tanai Khiaonarong
Download or read book Oversight Issues in Mobile Payments written by Tanai Khiaonarong and published by International Monetary Fund. This book was released on 2014-07-15 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines oversight issues that underlie the potential growth and risks in mobile payments. International experience suggests that financial authorities can develop effective oversight frameworks for new payment methods to safeguard public confidence and financial stability by establishing: (i) a clear legal regime; (ii) proportionate AML/CFT measures to prevent financial integrity risks; (iii) fund safeguarding measures such as insurance, similar guarantee schemes, or “pass through” deposit insurance; (iv) contingency plans for operational disruptions; and (v) risk controls and access criteria in payment systems. Such measures are particularly important for low-income countries where diffusion is becoming more widespread.
