The Economics Of Credit Cards Debit Cards And Atms
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The Economics Of Credit Cards Debit Cards And Atms
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Author :
language : en
Publisher: Fundacion BBVA
Release Date :
The Economics Of Credit Cards Debit Cards And Atms written by and has been published by Fundacion BBVA this book supported file pdf, txt, epub, kindle and other format this book has been release on with categories.
Plastic Money
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Author : Alya Guseva
language : en
Publisher: Stanford University Press
Release Date : 2014-02-26
Plastic Money written by Alya Guseva and has been published by Stanford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-02-26 with Business & Economics categories.
In the United States, we now take our ability to pay with plastic for granted. In other parts of the world, however, the establishment of a "credit-card economy" has not been easy. In countries without a history of economic stability, how can banks decide who should be given a credit card? How do markets convince people to use cards, make their transactions visible to authorities, assume the potential risk of fraud, and pay to use their own money? Why should merchants agree to pay extra if customers use cards instead of cash? In Plastic Money, Akos Rona-Tas and Alya Guseva tell the story of how banks overcame these and other quandaries as they constructed markets for credit cards in eight postcommunist countries. We know how markets work once they are built, but this book develops a unique framework for understanding how markets are engineered from the ground up—by selecting key players, ensuring cooperation, and providing conditions for the valuation of a product. Drawing on extensive interviews and fieldwork, the authors chronicle how banks overcame these hurdles and generated a desire for their new product in the midst of a transition from communism to capitalism.
The Economics Of Bank Credit Cards
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Author : Thomas Russell
language : en
Publisher: Greenwood
Release Date : 1975
The Economics Of Bank Credit Cards written by Thomas Russell and has been published by Greenwood this book supported file pdf, txt, epub, kindle and other format this book has been release on 1975 with Business & Economics categories.
Innovation Deregulation And The Life Cycle Of A Financial Service Industry
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Author : Fumiko Hayashi
language : en
Publisher: International Monetary Fund
Release Date : 2015-08-18
Innovation Deregulation And The Life Cycle Of A Financial Service Industry written by Fumiko Hayashi and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-08-18 with Business & Economics categories.
This paper examines innovation, deregulation, and firm dynamics over the life cycle of the U.S. ATM and debit card industry. In doing so, we construct a dynamic equilibrium model to study how a major product innovation (introducing the new debit card function) interacted with banking deregulation drove the industry shakeout. Calibrating the model to a novel dataset on ATM network entry, exit, size, and product offerings shows that our theory fits the quantitative pattern of the industry well. The model also allows us to conduct counterfactual analyses to evaluate the respective roles that innovation and deregulation played in the industry evolution.
Strategies Of Competition In The Bank Card Business
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Author : Jarunee Wonglimpiyarat
language : en
Publisher: Liverpool University Press
Release Date : 2004
Strategies Of Competition In The Bank Card Business written by Jarunee Wonglimpiyarat and has been published by Liverpool University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Business & Economics categories.
This is the first book to describe the history of the innovation of the bank card, from development to commercialization. It describes the strategies employed by innovators in order to achieve competitive advantage, and the use of technology to manage implementation. Interviews and questionnaire surveys are conducted with all the major players in the bank card industry - Barclays, Citibank, American Express, Diners Club, Visa International, Mondex International and Europay. The result is a clear and penetrating insight into all aspects of the bank card market. Innovations in bank cards - ATM/cash cards, credit cards, EFTPOS/debit cards and smart cards - are analyzed; as are the collaborative strategies employed by the banks to realize the benefits of bank card technology. Strategies of Competition has been written for bankers and those who work in the financial service industry, students undertaking courses in technology/strategic management, and MBA students. It provides a detailed and up-to-date analysis of the logic that banks and bankers adopt in setting bank card strategies under a complex socio-economic environment and competitive conditions. The book is essential reading for all who need to understand the strategic integration and management of banking products and innovations as they relate to the bank card business. Specific topics addressed include: the use of technology in providing banking products/services; strategies in securing the benefits of innovations; and banking sector capability in the innovation and launch of smart cards.
Nonbanks In The Payments System
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Author : Terri Bradford
language : en
Publisher:
Release Date : 2003
Nonbanks In The Payments System written by Terri Bradford and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2003 with Business & Economics categories.
Cash Use Across Countries And The Demand For Central Bank Digital Currency
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Author : Mr.Tanai Khiaonarong
language : en
Publisher: International Monetary Fund
Release Date : 2019-03-01
Cash Use Across Countries And The Demand For Central Bank Digital Currency written by Mr.Tanai Khiaonarong and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-03-01 with Business & Economics categories.
The level and trend in cash use in a country will influence the demand for central bank digital currency (CBDC). While access to digital currency will be more convenient than traveling to an ATM, it only makes CBDC like a bank debit card—not better. Demand for digital currency will thus be weak in countries where cash use is already very low, due to a preference for cash substitutes (cards, electronic money, mobile phone payments). Where cash use is very high, demand should be stronger, due to a lack of cash substitutes. As the demand for CBDC is tied to the current level of cash use, we estimate the level and trend in cash use for 11 countries using four different measures. A tentative forecast of cash use is also made. After showing that declining cash use is largely associated with demographic change, we tie the level of cash use to the likely demand for CBDC in different countries. In this process, we suggest that one measure of cash use is more useful than the others. If cash is important for monetary policy, payment instrument competition, or as an alternative payment instrument in the event of operational problems with privately supplied payment methods, the introduction of CBDC may best be introduced before cash substitutes become so ubiquitous that the viability of CBDC could be in doubt.
Understanding The Federal Reserve S Proposed Rule On Interchange Fees
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Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
language : en
Publisher:
Release Date : 2011
Understanding The Federal Reserve S Proposed Rule On Interchange Fees written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with Business & Economics categories.
Two Sided Market R D And Payments System Evolution
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Author : Bin Grace Li
language : en
Publisher: International Monetary Fund
Release Date : 2019-03-18
Two Sided Market R D And Payments System Evolution written by Bin Grace Li and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-03-18 with Business & Economics categories.
It takes many years for more efficient electronic payments to be widely used, and the fees that merchants (consumers) pay for using those services are increasing (decreasing) over time. We address these puzzles by studying payments system evolution with a dynamic model in a twosided market setting. We calibrate the model to the U.S. payment card data, and conduct welfare and policy analysis. Our analysis shows that the market power of electronic payment networks plays important roles in explaining the slow adoption and asymmetric price changes, and the welfare impact of regulations may vary significantly through the endogenous R&D channel.
Cash And Dash
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Author : Bernardo Bátiz-Lazo
language : en
Publisher: Oxford University Press
Release Date : 2018-06-18
Cash And Dash written by Bernardo Bátiz-Lazo and has been published by Oxford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-06-18 with Business & Economics categories.
Cash and Dash: How ATMs and Computers Changed Banking uses the invention and development of the automated teller machine (ATM) to explain the birth and evolution of digital banking, from the 1960s to present day. It tackles head on the drivers of long-term innovation in retail banking with emphasis on the payment system. Using a novel approach to better understanding the industrial organization of financial markets, Cash and Dash contributes to a broader discussion around innovation and labour-saving devices. It explores attitudes to the patent system, formation of standards, organizational politics, the interaction between regulation and strategy, trust and domestication, maintenance versus disruption, and the huge undertakings needed to develop online real-time banking to customers.