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Transforming Payment Systems in Europe

Author: Jakub Górka

Publisher: Springer

Published: 2016-04-08

Total Pages: 270

ISBN-13: 1137541210

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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 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.

Transforming Payment Systems

Author: Setsuya Sat?

Publisher: World Bank Publications

Published: 1995-01-01

Total Pages: 56

ISBN-13: 9780821333556

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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 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.

The Payment System

Author: Tom Kokkola

Publisher:

Published: 2010

Total Pages: 369

ISBN-13: 9789289906333

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"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 The Payment System by : Tom Kokkola

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).

Influence of FinTech on Management Transformation

Author: Sghari, Amira

Publisher: IGI Global

Published: 2020-11-27

Total Pages: 273

ISBN-13: 1799871126

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Digital financial services are starting to become increasingly popular with consumers, thereby fostering a favorable climate for digital entrepreneurship: mobile payment, Blockchain, etc. Research trying to understand and explain this phenomenon focuses on FinTech. Some scholars regard “FinTech” as financial innovations that upset the market while others view them as startups, based on financial innovations, that have changed the ecosystem. There are many open-ended questions about FinTech’s business models, how it relates to blockchain, and whether this is a collaborative relationship between traditional financial players or a competitive relationship. Noting the lack of research work on these themes, this book attempts to shed light on this area to bridge the gap between the discourse of practitioners and the literature. Influence of FinTech on Management Transformation is an innovative reference book that defines FinTech and its ecosystem as well as concepts in relation to management transformations caused by FinTech and shares new theoretical and empirical frameworks, useful experiences, and best practices to deal with new technological changes. The chapters are divided into three interrelated sections: “Insights From the Blockchain Technology”; “Managerial and Cultural Transformations in the Era of FinTech”; and “Empirical Experiences and Applications.” This book is a valuable reference tool for financial planners/advisors, managers, accountants, financial analysts, compliance experts, practitioners, researchers, academicians, and students interested in the influence of FinTech on management transformation.

Book Synopsis Influence of FinTech on Management Transformation by : Sghari, Amira

Download or read book Influence of FinTech on Management Transformation written by Sghari, Amira and published by IGI Global. This book was released on 2020-11-27 with total page 273 pages. Available in PDF, EPUB and Kindle. Book excerpt: Digital financial services are starting to become increasingly popular with consumers, thereby fostering a favorable climate for digital entrepreneurship: mobile payment, Blockchain, etc. Research trying to understand and explain this phenomenon focuses on FinTech. Some scholars regard “FinTech” as financial innovations that upset the market while others view them as startups, based on financial innovations, that have changed the ecosystem. There are many open-ended questions about FinTech’s business models, how it relates to blockchain, and whether this is a collaborative relationship between traditional financial players or a competitive relationship. Noting the lack of research work on these themes, this book attempts to shed light on this area to bridge the gap between the discourse of practitioners and the literature. Influence of FinTech on Management Transformation is an innovative reference book that defines FinTech and its ecosystem as well as concepts in relation to management transformations caused by FinTech and shares new theoretical and empirical frameworks, useful experiences, and best practices to deal with new technological changes. The chapters are divided into three interrelated sections: “Insights From the Blockchain Technology”; “Managerial and Cultural Transformations in the Era of FinTech”; and “Empirical Experiences and Applications.” This book is a valuable reference tool for financial planners/advisors, managers, accountants, financial analysts, compliance experts, practitioners, researchers, academicians, and students interested in the influence of FinTech on management transformation.

Payment Systems in the European Union

Author:

Publisher:

Published: 1996

Total Pages: 0

ISBN-13:

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Book Synopsis Payment Systems in the European Union by :

Download or read book Payment Systems in the European Union written by and published by . This book was released on 1996 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Trade and Payments in Central and Eastern Europe's Transforming Economies

Author: Lucjan Orlowski

Publisher: Greenwood

Published: 1997-05-21

Total Pages: 0

ISBN-13: 0313297649

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This volume examines one of the major systemic changes in world economic history: the economic transformation in the Central European nations and the former Soviet states. Part I considers the dramatic adjustments in commodity structure and the geographic distribution of trade in these countries, while Part II surveys the sweeping transition of the Central and Eastern European countries' payments systems and the evolution of financial markets, exchange rates, and banking systems. Forms of integration with the global economy and proposed requirements for accession to the European Union are considered in Part III, and Part IV presents a model evaluating the record of structural adjustments in these transforming economies. The economic transformation in Central and Eastern Europe has been one of the major systemic changes in world economic history. This volume examines the dramatic changes in trade and payment systems in Central European nations and the former Soviet states during the first half of the 1990s. Part I considers the dramatic adjustments in commodity structure and the geographic distribution of trade in these countries, while Part II surveys the sweeping transition of the Central and Eastern European countries' payments systems and the evolution of financial markets, exchange rates, and banking systems. Forms of integration with the global economy and proposed requirements for accession to the European Union are considered in Part III, and Part IV presents a model evaluating the record of structural adjustments in these transforming economies. The main objective of this volume is to thoroughly cover the latest research advances in international trade and payments among these transforming economies. Written by noted authorities from prominent research centers, the chapters have a predominantly survey character and are supported by sound empirical evidence. Combining empirical research with policy evaluation and recommendations, this volume will serve as a resource for further studies on the economic transformation of the former Soviet bloc countries.

Book Synopsis Trade and Payments in Central and Eastern Europe's Transforming Economies by : Lucjan Orlowski

Download or read book Trade and Payments in Central and Eastern Europe's Transforming Economies written by Lucjan Orlowski and published by Greenwood. This book was released on 1997-05-21 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume examines one of the major systemic changes in world economic history: the economic transformation in the Central European nations and the former Soviet states. Part I considers the dramatic adjustments in commodity structure and the geographic distribution of trade in these countries, while Part II surveys the sweeping transition of the Central and Eastern European countries' payments systems and the evolution of financial markets, exchange rates, and banking systems. Forms of integration with the global economy and proposed requirements for accession to the European Union are considered in Part III, and Part IV presents a model evaluating the record of structural adjustments in these transforming economies. The economic transformation in Central and Eastern Europe has been one of the major systemic changes in world economic history. This volume examines the dramatic changes in trade and payment systems in Central European nations and the former Soviet states during the first half of the 1990s. Part I considers the dramatic adjustments in commodity structure and the geographic distribution of trade in these countries, while Part II surveys the sweeping transition of the Central and Eastern European countries' payments systems and the evolution of financial markets, exchange rates, and banking systems. Forms of integration with the global economy and proposed requirements for accession to the European Union are considered in Part III, and Part IV presents a model evaluating the record of structural adjustments in these transforming economies. The main objective of this volume is to thoroughly cover the latest research advances in international trade and payments among these transforming economies. Written by noted authorities from prominent research centers, the chapters have a predominantly survey character and are supported by sound empirical evidence. Combining empirical research with policy evaluation and recommendations, this volume will serve as a resource for further studies on the economic transformation of the former Soviet bloc countries.

The Transformation of the European Financial System

Author: Vitor Gaspar

Publisher:

Published: 2003-01-01

Total Pages: 334

ISBN-13: 9789291813483

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Book Synopsis The Transformation of the European Financial System by : Vitor Gaspar

Download or read book The Transformation of the European Financial System written by Vitor Gaspar and published by . This book was released on 2003-01-01 with total page 334 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Interchange Fee Economics

Author: Jakub Górka

Publisher: Springer

Published: 2018-11-29

Total Pages: 181

ISBN-13: 3030030415

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Interchange fees have been the focal point for debate in the card industry, among competition authorities and policy makers, as well as in the economic literature on two-sided markets and on the regulation of market failures. This book offers insight into the economics of interchange fees. First, it explains the nature of two-sided markets/platforms/networks and elaborates on four-party schemes and on the rationale behind interchange fees according to Baxter’s model and its later refinements. It also includes the debate about the optimum level of interchange fees and its determination (“tourist test”), and presents the original framework for assessing the impact of interchange fee regulatory reductions for the market participants: consumers, merchants, acquirers, issuers, and card organisations. The framework addresses three areas of concern in reference to the transmission channels of interchange fee reductions (pass-through) and the card scheme domain (triangle: payment organisation, issuer, acquirer). The book discusses the effects of regulatory interchange fee reductions in Australia, USA, Spain, and, most specifically, Poland. It will be of interest to policy makers, card and payments industry practitioners, academics, and students.

Book Synopsis Interchange Fee Economics by : Jakub Górka

Download or read book Interchange Fee Economics written by Jakub Górka and published by Springer. This book was released on 2018-11-29 with total page 181 pages. Available in PDF, EPUB and Kindle. Book excerpt: Interchange fees have been the focal point for debate in the card industry, among competition authorities and policy makers, as well as in the economic literature on two-sided markets and on the regulation of market failures. This book offers insight into the economics of interchange fees. First, it explains the nature of two-sided markets/platforms/networks and elaborates on four-party schemes and on the rationale behind interchange fees according to Baxter’s model and its later refinements. It also includes the debate about the optimum level of interchange fees and its determination (“tourist test”), and presents the original framework for assessing the impact of interchange fee regulatory reductions for the market participants: consumers, merchants, acquirers, issuers, and card organisations. The framework addresses three areas of concern in reference to the transmission channels of interchange fee reductions (pass-through) and the card scheme domain (triangle: payment organisation, issuer, acquirer). The book discusses the effects of regulatory interchange fee reductions in Australia, USA, Spain, and, most specifically, Poland. It will be of interest to policy makers, card and payments industry practitioners, academics, and students.

Banking on Innovation

Author: Tanai Khiaonarong

Publisher: Springer Science & Business Media

Published: 2009-06-01

Total Pages: 190

ISBN-13: 3790823333

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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 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.

General Principles for International Remittance Services

Author: Group of Ten. Committee on Payment and Settlement Systems

Publisher:

Published: 2007

Total Pages: 68

ISBN-13:

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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: