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Transforming Payment Systems
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Book Synopsis Transforming Payment Systems by : Setsuya Sat?
Download or read book Transforming Payment Systems written by Setsuya Sat? and published by World Bank Publications. This book was released on 1995-01-01 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt: Emphasizes the importance of designing a well-functioning intergovernmental fiscal system for achieving the reform objectives of economies in transition. This study explores the issues involved in redesigning intergovernmental relations in Albania, Bulgaria, Hungary, Poland, Romania, the Russian Federation, and Ukraine, where extensive political and fiscal decentralization is now underway. The volume focuses on the elements of decentralization in the transitional economies that distinguish them from those in the rest of the world. The book shows that in the transition from a command to a market economy, designing a well-functioning intergovernmental fiscal system is a prerequisite for achieving other reform objectives: macroeconomic stability, private sector development, and a social safety net for those hurt by the transition. The study further demonstrates that a broader analytical framework than is conventionally involved in the study of intergovernmental finance is needed for analyzing fiscal issues in these economies.
Book Synopsis Transforming Payment Systems in Europe by : Jakub Górka
Download or read book Transforming Payment Systems in Europe written by Jakub Górka and published by Springer. This book was released on 2016-04-08 with total page 270 pages. Available in PDF, EPUB and Kindle. Book excerpt: The European payment market has undergone rapid transformation in recent years due to changes in payment habits, new business rules and new legal frameworks and regulation. There has also been an advent of new technologies and payment solutions which has altered the European payments landscape drastically. This book provides an overview of the fundamental issues involved in this new payments landscape. The authors discuss fundamental problems such as substitution between cash and non-cash payment instruments, payment costs, the economics of fees, and the demand for cash and deposit money. They also analyse issues such as two-sided markets, business platforms and the problem of critical mass. Other chapters focus on new phenomena in payments such as mobile payments, multi-sided platforms, electronic wallets, virtual currencies, decentralised ledgers, private digital currencies, blockchain and instant payments. The authors also review existing regulation for the topic including the revised Payment Services Directive (PSD2), Interchange Fee Regulation (IF/MIF Reg), and the Single Euro Payments Area (SEPA) project. Transforming Payment Systems in Europe offers insight into changing payment culture and the ways in which new payment systems can create a single digital market to foster further integration in Europe.
Book Synopsis Banking on Innovation by : Tanai Khiaonarong
Download or read book Banking on Innovation written by Tanai Khiaonarong and published by Springer Science & Business Media. This book was released on 2009-06-01 with total page 190 pages. Available in PDF, EPUB and Kindle. Book excerpt: Innovation in banking should be directed at improving the infrastructure that fosters efficient financial services and international trade. In this work, innovation theory is used to show how modern payment systems have transformed the technology of banking and facilitated changes in the strategy and structure of financial services organisations. Design, implementation and dissemination of payment systems are described and the analysis of their costs and benefits is combined with case studies of banks undergoing change. By studying firm capabilities, competencies, and resources, the approach is extended to services in general and linked to the ability of firms to compete and promote national economies. Payment systems vary and advanced and developing economies face obstacles in their legal and technical infrastructure, and maturity of banks. By adopting an international perspective, the book offers a unique comparative analysis that shows what kind of investments are likely to be effective.
Book Synopsis Payment Systems by : David B. Humphrey
Download or read book Payment Systems written by David B. Humphrey and published by World Bank Publications. This book was released on 1995 with total page 114 pages. Available in PDF, EPUB and Kindle. Book excerpt: World Bank Technical Paper No. 260. An efficient payment system is a necessary precondition for business development. This study outlines the basic operating principles of a payment system and reviews its benefits, costs, risks, and problems. It examines in detail the systems currently in place in the developed economies of Europe and the United States and draws from the analyses to support recommendations for restructuring those systems in developing countries. The study reviews the various types of payment practices that exist in mature systems including cash, check, GIRO, debit and credit card, direct debit, and large-value wire transfers. A range of short- and long-term improvements in payment systems are recommended for developing countries. There is a special focus on the Russian payment system and the problems it faces in transition from a centrally planned to an market economy.
Book Synopsis The Future of Payment Systems by : Stephen Millard
Download or read book The Future of Payment Systems written by Stephen Millard and published by Routledge. This book was released on 2007-09-17 with total page 347 pages. Available in PDF, EPUB and Kindle. Book excerpt: Drawing on wide-ranging contributions from prominent international experts and discussing some of the most pressing issues facing policy makers and practitioners in the field of payment systems today, this volume provides cutting-edge perspectives on the current issues surrounding payment systems and their future.It covers a range of continually im
Book Synopsis Payment System Technologies and Functions by : Masashi Nakajima
Download or read book Payment System Technologies and Functions written by Masashi Nakajima and published by Engineering Science Reference. This book was released on 2011 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This book analyzes the evolutionary trends, functions and mechanisms of payment systems and presents an in-depth explanation of how these trends led to the reduction of settlement risk and the importance of such mechanisms that have contributed to the evolutionary progress of payment systems"--Résumé de l'éditeur.
Book Synopsis The Digital Transformation of Payment: A Glimpse Into the Future of Mobile Payment Systems by : Tamara Knecht
Download or read book The Digital Transformation of Payment: A Glimpse Into the Future of Mobile Payment Systems written by Tamara Knecht and published by GRIN Verlag. This book was released on 2022-11-16 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2021 in the subject Business economics - Market research, grade: 1,0, accadis Hochschule Bad Homburg, language: English, abstract: Mobile payment systems are an innovation that allows people to make contactless payments with a mobile device (such as a smartphone) at the cash register in brick-and-mortar retail outlets without carrying a wallet with credit and debit cards. While other countries have almost entirely adopted and integrated this innovation into their daily lives, adoption rates in Germany remain significantly low. Hence, the objective of this work is to analyze the future of mobile payment systems in Germany with respect to the reasons for adoption or refusal. In particular, the following research question was addressed: Will mobile payment methods replace physical cards in Germany, or will certain factors prevent full adoption?
Book Synopsis Smart Instant Payments by : Elspeth Bloodgood
Download or read book Smart Instant Payments written by Elspeth Bloodgood and published by Photon Commerce. This book was released on 2024-04-27 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Discover the cutting edge of instant payments as the authors provide a 360-degree view of how real-time payments processing builds the backbone of commerce, banking, and financial transactions. Historical Context: Trace the evolution of payment systems from traditional models to the lightning-fast operations today. Technical Foundations: Gain a solid understanding of ISO 20022, the universal language of financial messaging, and how it supports the architecture of modern payment systems. Strategic Implementations: Learn from real-world use cases and strategic planning insights for deploying instant payment systems across various sectors. Security and Compliance: Navigate through the complexities of risk management, fraud prevention, and regulatory compliance in the instant payments ecosystem. "Smart Instant Payments" is tailored for payment practitioners, financial institution executives, fintech innovators, and policymakers deciding on implementing instant payment systems.
Book Synopsis General Principles for International Remittance Services by : Group of Ten. Committee on Payment and Settlement Systems
Download or read book General Principles for International Remittance Services written by Group of Ten. Committee on Payment and Settlement Systems and published by . This book was released on 2007 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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.
Book Synopsis The Anatomy of the Swipe by : Ahmed Siddiqui
Download or read book The Anatomy of the Swipe written by Ahmed Siddiqui and published by . This book was released on 2020-04-08 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: Have you ever wondered what happens during a swipe of a credit card? Every major tech company will become a payments company. Yet, not many people understand how payment systems in the US work. Those that do "get it" are unlocking multi-billion dollar opportunities. If you've ever wondered what happens when you actually swipe/dip/tap your credit card or debit card then The Anatomy of the Swipe breaks down the details in the simplest manner possible. Here are some questions answered within these pages: How does money move from my credit card to my favorite coffee shop? How can I build a neo-bank? How can I build my own debit or credit card? How can I accept card based payments? The Anatomy of the Swipe speaks to software developers and entrepreneurs who are looking at implementing card-based payments for the first time, merchants who want to be able to accept payments for a website or store, or those who want to issue their own debit/credit card. This book walks beginners through modern innovations created because of card-based payments, as well as the motivations and revenue models of each party in the payments ecosystem.
Book Synopsis The PAYTECH Book by : Susanne Chishti
Download or read book The PAYTECH Book written by Susanne Chishti and published by John Wiley & Sons. This book was released on 2020-02-18 with total page 261 pages. Available in PDF, EPUB and Kindle. Book excerpt: The only globally-crowdsourced book on the future of payments (“PayTech”), offering comprehensive understanding of a rapidly evolving industry at the centre of global commerce The movement of money between individuals, organisations and governments is crucial to the world economy. The payments industry has undergone immense transformation – new regulations, technologies and consumer demands have prompted significant changes to the tools, products and use cases in payments, as well as presented lucrative opportunities for entrepreneurs and FinTech professionals. As payment technologies become faster and more efficient, companies and investors are increasingly favouring PayTech innovation due to better customer experience, increased revenues and manageable risks. The PAYTECH Book brings together a diverse collection of industry experts to provide entrepreneurs, financial services professionals and investors with the answers they need to capitalise on the highly profitable PayTech market. Written by leaders in the global FinTech and payment sectors, this informative volume explains key industry developments and presents valuable first-hand insights from prominent industry practitioners. Contributors include advisors and consultants to the payments and financial services industry, entrepreneurs and business owners utilising cutting-edge PayTech capabilities, academic researchers exploring the social-political-economic impact of PayTech and many others. Detailed chapters cover essential topics such as cybersecurity, regulation and compliance, wholesale payments and how payment systems currently work and how PayTech can improve them. This book: Defines PayTech and identifies its key players Discusses how PayTech can transform developed markets and accelerate growth in emerging economies Describes how PayTech fits into the larger FinTech ecosystem Explores the future of PayTech and its potential as an agent of social change and financial inclusion Provides diverse perspectives on investment in PayTech and what consolidation and expansion will look like The PAYTECH Book: The Payment Technology Handbook for Investors, Entrepreneurs and FinTech Visionaries is an indispensable source of information for FinTech investors and entrepreneurs, managers from payments companies and financial services firms and executives responsible for payments in government, corporations, public sector organisations, retailers and users of payments.
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.
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).
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 Distributed Ledgers by : Robert M. Townsend
Download or read book Distributed Ledgers written by Robert M. Townsend and published by MIT Press. This book was released on 2020-10-06 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: An economic analysis of what distributed ledgers can do, examining key components and discussing applications in both developed and emerging market economies. Distributed ledger technology (DLT) has the potential to transform economic organization and financial structure. In this book, Robert Townsend steps back from the hype and controversy surrounding DLT (and the related, but not synonymous, innovations of blockchain and Bitcoin) to offer an economic analysis of what distributed ledgers can do. Townsend examines the key components of distributed ledgers, discussing, evaluating, and illustrating each in the context of historical and contemporary economics, and reviewing featured applications in both developed economies and emerging-market countries.
Book Synopsis Payments Systems in the U.S. by : Carol Coye Benson
Download or read book Payments Systems in the U.S. written by Carol Coye Benson and published by . This book was released on 2017-07-31 with total page 202 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Payments Systems in the U.S." is a comprehensive description of the systems (cards, checks, ACH, wires, and cash) that move money between and among consumers and enterprises in the U.S. In clear and lively writing, the authors explain how the systems work, who uses them, who provides them, who profits from them, and how they are changing.
