Card Payments In Europe
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Card Payments In Europe
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Author :
language : en
Publisher:
Release Date : 2014
Card Payments In Europe written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with categories.
Card Payments In Europe
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Author :
language : en
Publisher:
Release Date : 2019
Card Payments In Europe written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019 with categories.
The integration of the European retail payments markets has been going on for almost two decades. The Single Euro Payments Area (SEPA) is now a reality for over 500 million citizens using uniform credit transfers and direct debits. In contrast, card payments still lack the same degree of market integration and harmonisation of business practices and rules, as well as technical standards. Although cards have been the fastest growing means of payment in Europe for some time, some users (cardholders and merchants) have not benefited as much as they could have if a SEPA for cards had been achieved. The card industry has made significant efforts to achieve the objectives outlined in the 2014 report Card payments in Europe - a renewed focus on SEPA for cards, which presented the Eurosystem's views, policies and objectives. Since the publication of this report, new legislation and substantial technological progress have reshaped the environment for card payments. However, so far this has not led to a harmonised, competitive and innovative European cards payment area. Overall, a SEPA for cards has not yet been achieved. The Eurosystem therefore decided to analyse the current state of card payments in Europe and review its policies. This report includes the views of cards market participants from the supply side, obtained during a market consultation conducted in late 2017. It enumerates measures by cards market participants that are conducive to a SEPA for cards. In a SEPA for cards, a number of impediments would be abolished, including: (i) a lack of interoperability between cards and terminals, (ii) limitations on merchants accepting certain cards, and (iii) cardholders being confused by different payment experiences across Europe. To achieve the above objectives, coordination among cards market players is of the utmost importance, in particular in the area of cards standardisation.
Online Payment Solutions
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Author : Dmitry Artimovich
language : en
Publisher: Dmitry Artimovich
Release Date : 2019-02-03
Online Payment Solutions written by Dmitry Artimovich and has been published by Dmitry Artimovich this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-02-03 with Business & Economics categories.
In the first Russian textbook on electronic payments Dmitry Artimovich summarized his ten-year experience in the field. Online Payment Solutions uncovers the nuances of acquiring and analyzes in detail the rules of Visa and MasterCard payment systems. This book is conceived as a tutorial for people professionally working in the field of Internet acquiring, experts in online trade, as well as for the general public interested in the topic of electronic payments. The textbook focuses on the the emergence of international payment systems and the reasons that put them on that particular path of development. Each chapter is supplemented with questions for self-control, allowing the reader to use it as a textbook. In addition, the author attempts to reveal the weaknesses and peculiarities of the development of payment card payment systems in Eastern Europe, as well as the imperfections of the Russian and European legislation. The book contains an extensive comparison of the implementation of payment system rules in different countries.
Eftpos In Europe
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Author : Jerry W. Hodges
language : en
Publisher:
Release Date : 1993
Eftpos In Europe written by Jerry W. Hodges and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1993 with Credit cards categories.
Transforming Payment Systems In Europe
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Author : Jakub Górka
language : en
Publisher: Springer
Release Date : 2016-04-08
Transforming Payment Systems In Europe written by Jakub Górka and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-04-08 with Business & Economics categories.
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 Evolution Of Payments In Europe Japan And The U S
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Author : David B. Humphrey
language : en
Publisher:
Release Date : 1996
The Evolution Of Payments In Europe Japan And The U S written by David B. Humphrey and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1996 with Payment categories.
Costs Of Retail Payments
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Author : Kerstin Junius
language : en
Publisher:
Release Date : 2022
Costs Of Retail Payments written by Kerstin Junius and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022 with categories.
The paper provides an overview of studies on the social and private costs of retail payments conducted since 2013 in nine EU countries and collates the results obtained. Social costs of retail payments are the overall costs resulting from providing payment services to society and deriving from the resource costs incurred by all parties along the payment chain. Private costs, in contrast, are the costs incurred by the individual stakeholder only, such as banks and other payment intermediaries. Understanding the social and private costs of retail payments is crucial for assessing the impact of the rapidly changing retail payment landscape, such as the shift to electronic payments, and for designing strategies for moving towards cost efficient retail payments. Despite varying scopes and methodological differences, the analysis reached the following findings: a comparison of results between 2009 and 2016 in Denmark and Italy, between 2015 and 2018 in Poland and between 2009 and 2017 in Portugal, points to decreasing overall social costs for retail payments relative to gross domestic product (GDP). Moreover, the data suggest that changing payment habits - the shift to electronic payments and in particular debit cards - have an impact on unit costs, which represent the costs per transaction. The unit costs of debit card payments have decreased over time and the gap between the unit costs of cash and those for debit cards has narrowed. This suggests that the increasing number of debit card payments, to which high fixed costs are attached, has led to lower unit costs relative to those of cash. The only study on the costs of retail payments in Europe, published as an ECB occasional paper, dates from 2012 and is based on data from 2009.1 Although more recent surveys at national level are available, no single source exists that sheds light on recent information on the costs of retail payments in Europe. Since the national surveys follow different approaches, in terms of both scope and methodology used, for obtaining the costs of retail payments, the results are not easily comparable with each other across countries.
Money On Line Eu
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Author : Giorgio Pacifici
language : en
Publisher: Franco Angeli
Release Date : 2004
Money On Line Eu written by Giorgio Pacifici and has been published by Franco Angeli this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Technology & Engineering categories.
The Integration Of The European Card Payments Market
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Author : Renske Overeem
language : en
Publisher:
Release Date : 2009
The Integration Of The European Card Payments Market written by Renske Overeem and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with categories.
Interchange Fees In Card Payments
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Author : Ann Börestam
language : en
Publisher:
Release Date : 2011
Interchange Fees In Card Payments written by Ann Börestam and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with categories.