Transforming Payment Systems in Europe
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Beschreibung
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.
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 key 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.
Autor*in
Jakub Górka
Themen in »Transforming Payment Systems in Europe«
Blockchain Card Cash Digital Economy Europe Fee Germany Interchange Market Mobile Mobile Payment Nudges Payment Regulation