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The Evolution Of The Digital Payments
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Book Synopsis The Evolution of the Digital Payments by : Vaibhav C. Naik
Download or read book The Evolution of the Digital Payments written by Vaibhav C. Naik and published by . This book was released on 2016 with total page 41 pages. Available in PDF, EPUB and Kindle. Book excerpt: The past couple of years, we have observed the rise of the Digital Wallet, a potentially game changing technology application in the financial industry. Digital Wallets allow consumers to pay for purchases through digital devices, and the technology has created a battle among payment networks, banks and technology firms. In this paper, we analyse how the Digital Wallet is impacting the technology space, including the level of disruptiveness and future potential. We have two hypotheses regarding Digital Wallets: H1: The Digital Wallet is disrupting the credit card network. H2. The Digital Wallet is disrupting the physical plastic card.
Book Synopsis The Book of Payments by : Bernardo Batiz-Lazo
Download or read book The Book of Payments written by Bernardo Batiz-Lazo and published by Springer. This book was released on 2016-12-04 with total page 432 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines the nature of retail financial transaction infrastructures. Contributions assume a long-term outlook in their exploration of the key financial processes and systems that support a global transition to a cashless economy. The volume offers both modern and historic accounts that demonstrate the constantly changing role of payment instruments. It brings together different theoretical approaches to the study, re-examining and forecasting changes in retail payment systems. Chapters explore a global transition to a cashless society and contemplate future alternatives to cash, cheques and plastic, featuring the perspectives of academics from different disciplines in conversation and industry participants from six continents. Readers are invited to discover the innovation in payment systems and how it co-evolves with changes in society and organisations through personal, corporate and governmental processes.
Book Synopsis Electronic Value Exchange by : David L. Stearns
Download or read book Electronic Value Exchange written by David L. Stearns and published by Springer Science & Business Media. This book was released on 2011-01-04 with total page 261 pages. Available in PDF, EPUB and Kindle. Book excerpt: Electronic Value Exchange examines in detail the transformation of the VISA electronic payment system from a collection of non-integrated, localized, paper-based bank credit card programs into the cooperative, global, electronic value exchange network it is today. Topics and features: provides a history of the VISA system from the mid-1960s to the early 1980s; presents a historical narrative based on research gathered from personal documents and interviews with key actors; investigates, for the first time, both the technological and social infrastructures necessary for the VISA system to operate; supplies a detailed case study, highlighting the mutual shaping of technology and social relations, and the influence that earlier information processing practices have on the way firms adopt computers and telecommunications; examines how “gateways” in transactional networks can reinforce or undermine established social boundaries, and reviews the establishment of trust in new payment devices.
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 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.
Book Synopsis Beyond Cash - The Evolution of Digital Payment Systems and the Future of Money by : Alex Thompson
Download or read book Beyond Cash - The Evolution of Digital Payment Systems and the Future of Money written by Alex Thompson and published by Alex on Finance. This book was released on 2023-07-05 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Beyond Cash: The Evolution of Digital Payment Systems and the Future of Money" invites you on a captivating exploration of the transformative journey from traditional cash transactions to the digital realm. In this thought-provoking book, you'll uncover the historical roots, current innovations, and future implications of digital payment systems, as well as their profound impact on the concept of money. The book opens with an immersive introduction to the world of digital payments. Witness the rise of technology and its pivotal role in reshaping our financial landscape. Discover how the convenience, speed, and security of digital transactions have revolutionized the way we exchange value, transcending traditional limitations and opening doors to unprecedented possibilities. Structured to provide a comprehensive understanding, each chapter sheds light on a specific facet of digital payment systems. Chapter 1 embarks on a historical journey, tracing the origins and early developments of digital payments. From the emergence of credit cards to the advent of online banking, you'll witness the incremental steps that paved the way for the cashless society we inhabit today. In Chapter 2, you'll delve into the realm of mobile payments, exploring the transformative power of smartphones and mobile wallets. Discover how these innovations have transformed the way we pay, enabling seamless transactions at our fingertips. Uncover the potential of mobile payment ecosystems and the implications for businesses and consumers alike. Chapter 3 takes a closer look at the revolutionary impact of contactless payments and the integration of payment capabilities into everyday devices. Explore the intersection of payment technology and the Internet of Things (IoT), where smart devices seamlessly facilitate transactions, ushering in a new era of convenience and interconnectedness. In Chapter 4, peer-to-peer (P2P) payments take center stage. Delve into the world of digital wallets, payment apps, and blockchain-based solutions, witnessing the power of direct and instant transfers between individuals. Understand how P2P payments are reshaping financial interactions and challenging traditional banking models. Chapter 5 propels you into the realm of cryptocurrencies and decentralized finance. Unravel the potential of digital currencies such as Bitcoin and Ethereum, and grasp the revolutionary nature of blockchain technology. Explore the transformative impact of decentralized finance and the possibilities it holds for disrupting traditional financial systems. Chapter 6 uncovers the concept of Central Bank Digital Currencies (CBDCs) and their role in the future of money. Delve into the motivations, challenges, and potential implications of CBDCs, as central banks explore digital alternatives to physical cash. Gain insights into the potential benefits and concerns associated with this emerging form of digital currency. The book concludes with Chapter 7, where you'll gaze into the horizon of the future of money. Explore the impact of emerging technologies, such as artificial intelligence, biometrics, and quantum computing, on the evolution of digital payment systems. Reflect on the societal, economic, and regulatory challenges that lie ahead and envision a future where money is redefined in the digital age. "Beyond Cash: The Evolution of Digital Payment Systems and the Future of Money" is your essential guide to understanding the transformative journey from cash to digital payments. Whether you're a curious observer, a technophile, or a financial professional, this book equips you with the knowledge to navigate the complexities of digital payment systems and prepare for the future of money. Embark on this enlightening journey and discover the limitless possibilities that lie beyond cash.
Book Synopsis The Rise of Digital Money by : Mr.Tobias Adrian
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.
Book Synopsis The Future of Money by : Eswar S. Prasad
Download or read book The Future of Money written by Eswar S. Prasad and published by Harvard University Press. This book was released on 2021-09-28 with total page 497 pages. Available in PDF, EPUB and Kindle. Book excerpt: A cutting-edge look at how accelerating financial change, from the end of cash to the rise of cryptocurrencies, will transform economies for better and worse. We think weÕve seen financial innovation. We bank from laptops and buy coffee with the wave of a phone. But these are minor miracles compared with the dizzying experiments now underway around the globe, as businesses and governments alike embrace the possibilities of new financial technologies. As Eswar Prasad explains, the world of finance is at the threshold of major disruption that will affect corporations, bankers, states, and indeed all of us. The transformation of money will fundamentally rewrite how ordinary people live. Above all, Prasad foresees the end of physical cash. The driving force wonÕt be phones or credit cards but rather central banks, spurred by the emergence of cryptocurrencies to develop their own, more stable digital currencies. Meanwhile, cryptocurrencies themselves will evolve unpredictably as global corporations like Facebook and Amazon join the game. The changes will be accompanied by snowballing innovations that are reshaping finance and have already begun to revolutionize how we invest, trade, insure, and manage risk. Prasad shows how these and other changes will redefine the very concept of money, unbundling its traditional functions as a unit of account, medium of exchange, and store of value. The promise lies in greater efficiency and flexibility, increased sensitivity to the needs of diverse consumers, and improved market access for the unbanked. The risk is instability, lack of accountability, and erosion of privacy. A lucid, visionary work, The Future of Money shows how to maximize the best and guard against the worst of what is to come.
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.
Book Synopsis The Rise of Public and Private Digital Money by : International Monetary Fund
Download or read book The Rise of Public and Private Digital Money written by International Monetary Fund and published by International Monetary Fund. This book was released on 2021-07-29 with total page 33 pages. Available in PDF, EPUB and Kindle. Book excerpt: Following the companion paper on the new policy challenges related to the adoption of digital forms of money, this paper presents an operational strategy for the IMF to continue delivering on its mandate of ensuring domestic and international financial and economic stability. The paper begins by summarizing the forces driving the adoption of digital forms of money, and the new policy questions that emerge. It then focusses on how the IMF’s core activities and output will need to evolve, including surveillance, capacity development, and analytical foundations. It ends by discusses how the IMF intends to partner with other organization, and to grow and structure internal resources to fulfill this vision.
Book Synopsis Payments Evolution from Paper to Electronic Payments by Merchant Type by : Ruth Cohen
Download or read book Payments Evolution from Paper to Electronic Payments by Merchant Type written by Ruth Cohen and published by . This book was released on 2022 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The use of paper instruments-cash and checks-has been declining in the United States, and consumers have been gradually replacing paper with cards and electronic payments. Stavins (2021) examines the evolution of payments from paper to cards and electronic payments, while Shy (2020) shows the payments landscape across merchant types. This paper combines the cross-sectional analysis across merchants with the aggregate time series study to analyze the evolution of consumer payments by merchant type. Using data from a representative diary survey of US consumers collected annually over the past several years, we examine changes for each merchant type to assess which transactions shifted from paper to electronic payments and from in-person to remote transactions. We find that cash use declined faster than check use, in large part because transactions shifted from in person to remote. While the cash-use share of transactions dropped for almost all merchant types, changes in check use were much more heterogenous across merchants. COVID-19 accelerated the payments evolution away from cash for some merchant types, as their drop in cash payments was much larger during the pandemic than prior to it. Merchants whose transactions are typically conducted in person experienced the largest decline in cash payments during the pandemic. Regression results show that the probability of using either cash or checks declined significantly in 2019 and 2020, even after controlling for merchant types, the dollar value of transactions, and consumers' socio-demographic attributes.
Book Synopsis The State of Digital Payments in the Philippines by : Keyzom Ngodup
Download or read book The State of Digital Payments in the Philippines written by Keyzom Ngodup and published by . This book was released on 2019-12-02 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Better Than Cash Alliance Country Diagnostic of the Philippines assesses the state and evolution of the digital payments ecosystem in the country. It estimates the share of digital payments across the payments grid as of 2018.
Book Synopsis Across Africa by : Verney Lovett Cameron
Download or read book Across Africa written by Verney Lovett Cameron and published by . This book was released on 1877 with total page 448 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis An Introduction to Book History by : David Finkelstein
Download or read book An Introduction to Book History written by David Finkelstein and published by Routledge. This book was released on 2006-03-13 with total page 167 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is a comprehensive introduction to books and print culture which examines the move from the spoken word to written texts, the book as commodity, the power and profile of readers, and the future of the book in an electronic age.
Download or read book Global China written by Tarun Chhabra and published by Brookings Institution Press. This book was released on 2021-06-22 with total page 430 pages. Available in PDF, EPUB and Kindle. Book excerpt: The global implications of China's rise as a global actor In 2005, a senior official in the George W. Bush administration expressed the hope that China would emerge as a “responsible stakeholder” on the world stage. A dozen years later, the Trump administration dramatically shifted course, instead calling China a “strategic competitor” whose actions routinely threaten U.S. interests. Both assessments reflected an underlying truth: China is no longer just a “rising” power. It has emerged as a truly global actor, both economically and militarily. Every day its actions affect nearly every region and every major issue, from climate change to trade, from conflict in troubled lands to competition over rules that will govern the uses of emerging technologies. To better address the implications of China's new status, both for American policy and for the broader international order, Brookings scholars conducted research over the past two years, culminating in a project: Global China: Assessing China's Growing Role in the World. The project is intended to furnish policy makers and the public with hard facts and deep insights for understanding China's regional and global ambitions. The initiative draws not only on Brookings's deep bench of China and East Asia experts, but also on the tremendous breadth of the institution's security, strategy, regional studies, technological, and economic development experts. Areas of focus include the evolution of China's domestic institutions; great power relations; the emergence of critical technologies; Asian security; China's influence in key regions beyond Asia; and China's impact on global governance and norms. Global China: Assessing China's Growing Role in the World provides the most current, broad-scope, and fact-based assessment of the implications of China's rise for the United States and the rest of the world.
Book Synopsis Digital Payments in India by : Jaspal Singh
Download or read book Digital Payments in India written by Jaspal Singh and published by . This book was released on 2019-11 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The technological revolution in the field of electronics and telecommunications has helped to bring about sophisticated developments in the payment systems of many countries. A well-defined payment system is, therefore, a crucial component of the financial infrastructure of a country. Presently, India's payment systems are not only comparable to systems anywhere in the world, but are standards for other emerging economies to emulate. National Payments Corporation of India (NPCI) is the mainstay of payment systems and its proximate objective is to provide convenient anytime-anywhere payment services that are secure and easy-to-use. This book is an informative and descriptive document on the subject of payment systems in India.
Book Synopsis Electric Money by : Dennis W. Richardson
Download or read book Electric Money written by Dennis W. Richardson and published by Mit Press. This book was released on 1974-10-01 with total page 181 pages. Available in PDF, EPUB and Kindle. Book excerpt: A theoretical model of a moneyless society.
