Eu Payments Integration
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Eu Payments Integration
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Author : Ruth Wandhöfer
language : en
Publisher: Springer
Release Date : 2010-10-01
Eu Payments Integration written by Ruth Wandhöfer and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-10-01 with Business & Economics categories.
An inside view of the forces which shaped SEPA and the PSD written from the unique perspective of someone closely involved throughout the process. It uncovers the strategic, legal and practical implications of the full harmonization agenda and provides an assessment of where these initiatives stand today, including key lessons learned.
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.
Evolution Of Eu Retail Payments Law
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Author : Agnieszka Janczuk-Gorywoda
language : en
Publisher:
Release Date : 2015
Evolution Of Eu Retail Payments Law written by Agnieszka Janczuk-Gorywoda and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with categories.
This paper traces the evolution of EU payments law for retail payments, identifying four phases of its development. In spite of the EU's founding principle of free movement of payments, the first two phases of EU payments law were characterized by negative integration and soft law measures with limited effects on the performance of cross-border payments. The introduction of the euro started the third phase of EU payments law in which the EU became more aggressive in its approach to regulating payments. Nevertheless, EU legislation was mainly aimed at triggering and supporting “voluntary self-regulation” by the banking industry. As a result, EU payments law acquired a hybrid character. The ensuing Single Euro Payments Area (“SEPA”) is composed of publicly- and privately-made rules which became mingled together into a single system. Finally, the fourth phase of the development of EU payments law has witnessed, on an unprecedented scale, EU public regulation colonizing areas that used to be in the private domain. It also marks a nuanced shift of objectives of EU payments law: integration is no longer the overarching objective but “regulation for competition” has surfaced as an equally important goal.
The Law Of Payment Services In The Eu
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Author : Despina Mavromati
language : en
Publisher: Kluwer Law International B.V.
Release Date : 2008-01-01
The Law Of Payment Services In The Eu written by Despina Mavromati and has been published by Kluwer Law International B.V. this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-01-01 with Law categories.
The role that payments play within the general framework of financial services in the EC is indispensable for the realization of a true single European market including, inter alia, the conditions of cross-border purchasing, the legal framework of consumer protection, and the technical standards against fraud in payment systems. The Commission's New Legal Framework for payment services in the internal market - as evidenced by the EC Payment Services Directive (PSD) - represents an important step towards the completion of an initiative for a Single Euro Payments Area and, more broadly, EU-wide.
Private Regulation And European Integration
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Author : Agnieszka Jańczuk-Gorywoda
language : en
Publisher:
Release Date : 2012
Private Regulation And European Integration written by Agnieszka Jańczuk-Gorywoda and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with Civil law categories.
This thesis analyzes the role of private regulation in European integration. Taking three selected sectors - payments, professionals and housing - as a testing ground, this thesis portrays the actual functioning of private regulation in the EU and looks at the mutual correlation between the process of European integration and private regulation. The study follows along the European and national lines in three countries: Germany, Poland and the UK. The role of private actors in European integration has not been duly acknowledged in the Treaties, and there has been little scope for the participation of private regulators among the institutions pursuing European policies. However, private regulation has always been present in Member States, and fragmented private rules could constitute barriers to the internal market. Despite the lack of an institutional framework for European private regulation, the launch of European integration has triggered the transformation of business and professional associations in Europe. The literature, however, has focused on the role of interest associations in affecting public policy processes. Less attention has been given to the role of private organizations in formulating rules governing market transactions. This thesis shows that regulatory functions performed by private organizations - that is, rulemaking, monitoring and enforcement - have gradually been shifted towards the supranational level. This process has intensified in recent years due to increased efforts by the European Commission to enroll private organizations in the integration process and an increased focus on the completion of the internal market. At the same time, the role of national private regulators has remained significant. Private rules and enforcement practices are of great relevance is the higher as they do not only complement publicly made rules but very often affect the content of such rules.
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.
A Short Essay On Cross Border Payment And Settlement In The Eu
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Author : Georg Schwedt
language : en
Publisher: GRIN Verlag
Release Date : 2006-05-03
A Short Essay On Cross Border Payment And Settlement In The Eu written by Georg Schwedt and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-05-03 with Business & Economics categories.
Seminar paper from the year 2004 in the subject Business economics - Miscellaneous, grade: 1,0, University of Hamburg, course: European and International Financial Markets, language: English, abstract: According to Art. 56 of the Treaty of the European Communities (EC Treaty) the Common European Market enjoys since its establishment in the year 1993 free movement of capital. Since 1999 the monetary union between 12 EU-states is in operation, since 2002 the euro exists as money. This essay examines the sector of payment and settlement systems within the Common Market, their situation and development towards the common goal of free movement and discover the obstacles. The situation and development assessment is divided into the individual payments sector and the bulk payments sector with. Finally the striking question is: Why does it take so long to integrate the payment sector?
Convergence In European Retail Payments
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Author : Emmi Martikainen
language : en
Publisher:
Release Date : 2013
Convergence In European Retail Payments written by Emmi Martikainen and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with categories.
Flexible Integration
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Author :
language : en
Publisher: Centre for Economic Policy Research
Release Date : 1995
Flexible Integration written by and has been published by Centre for Economic Policy Research this book supported file pdf, txt, epub, kindle and other format this book has been release on 1995 with Den Europæiske Union categories.
Flexible Integration is a model of reform designed to overcome the current stalemate between federalists and anti-federalists. It introduces more flexibility to accommodate the heterogeneous interests in Europe without risking the gains achieved through past integration. Flexible integration combines firm commitment by all members to a supranational common baseincluding a well-defined set of competences related to the Single Market - with optional integration in other areas through open partnerships.
A Study Of The Economic Integration Of Western Europe
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Author : Houshang Etessam
language : en
Publisher:
Release Date : 1954
A Study Of The Economic Integration Of Western Europe written by Houshang Etessam and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1954 with Customs unions categories.