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Author | : Committee on Payment and Settlement Systems. Working Group on Innovations in Retail Payments |
Publisher | : |
Total Pages | : 96 |
Release | : 2012 |
Genre | : Banks and banking |
ISBN | : 9789291971275 |
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"In June 2010, the Committee on Payment and Settlement Systems (CPSS) set up a working group to investigate developments in retail payments, focusing especially on innovations. This report, produced by that group, first provides an overview of innovative retail payment activities in the CPSS and other selected countries from a fact-finding exercise, which attempted to cover influential developments in retail payment instruments and schemes over the past decade. Based on the trends observed and the economics of retail payments, the report identifies a number of exogenous and endogenous factors that could serve as drivers for retail payment innovations or as barriers to them. The analysis was also used to suggest some pointers as to what can be expected over the next five years. Finally, the report identifies a number of issues for central banks concerning their various responsibilities and tasks as catalysts, overseers and/or operators of payment systems."--Abstract.
Author | : Committee on Payment and Settlement Systems. Working Group on Innovations in Retail Payments |
Publisher | : |
Total Pages | : 96 |
Release | : 2012 |
Genre | : Banks and banking |
ISBN | : 9789291311279 |
Download Innovations in Retail Payments Book in PDF, ePub and Kindle
"In June 2010, the Committee on Payment and Settlement Systems (CPSS) set up a working group to investigate developments in retail payments, focusing especially on innovations. This report, produced by that group, first provides an overview of innovative retail payment activities in the CPSS and other selected countries from a fact-finding exercise, which attempted to cover influential developments in retail payment instruments and schemes over the past decade. Based on the trends observed and the economics of retail payments, the report identifies a number of exogenous and endogenous factors that could serve as drivers for retail payment innovations or as barriers to them. The analysis was also used to suggest some pointers as to what can be expected over the next five years. Finally, the report identifies a number of issues for central banks concerning their various responsibilities and tasks as catalysts, overseers and/or operators of payment systems."--Abstract.
Author | : Helen Allen |
Publisher | : |
Total Pages | : 11 |
Release | : 2013 |
Genre | : |
ISBN | : |
Download Innovations in Retail Payments Book in PDF, ePub and Kindle
Ways to make retail payments using the internet and mobile phones are proliferating. Some are offering new access routes to existing payment means, others use different means to transfer value, but all attempt to provide greater convenience and choice in payment services. Few, however, have reached critical mass and none has displaced existing payment methods. Nevertheless, the prospect that these new services could be widely used raises some policy questions. For example, central banks are interested in any potential effects on financial stability and, in the longer term, in whether such innovation might have monetary policy implications. For these reasons, central banks monitor the evolution of the market, even though any such impacts may be a long way off. Moreover, it may well be that the system-wide risks will be relatively small even if e-payment usage becomes significant.
Author | : Karen Furst |
Publisher | : |
Total Pages | : 9 |
Release | : 2014 |
Genre | : |
ISBN | : |
Download Technological Innovation in Retail Payments Book in PDF, ePub and Kindle
The United States still has a heavily paper-based retail payment system when compared with many other developed economies, but the shift to electronic payments has been bigger and more decisive than commonly perceived. For the first time ever, check use declined in the mid-1990s, and among electronic payments the adoption of debit cards has occurred at an extremely rapid pace. The purpose of this article is to promote greater awareness of the nature of recent changes in retail payments in the United States, and to explore some of the key implications of those changes for the banking industry. We describe recent trends in retail payments, highlighting the surprising drop in check usage, and consider the impact of changes in retail payments on bank revenue and costs. We conclude that, although banks are likely to realize substantial long-run payments-related improvements in productivity, they face greater-than-commonly-appreciated near-term challenges.
Author | : Roger W. Ferguson |
Publisher | : |
Total Pages | : 11 |
Release | : 2000 |
Genre | : Electronic commerce |
ISBN | : |
Download Perspectives on Innovation in the Retail Payments System Book in PDF, ePub and Kindle
Author | : Bernardo Batiz-Lazo |
Publisher | : Routledge |
Total Pages | : 336 |
Release | : 2010-11-23 |
Genre | : Business & Economics |
ISBN | : 113688453X |
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In this edited volume the editors highlight the relative importance of European actors in the globalization of technological change by documenting developments in France, Germany, Great Britain, The Netherlands, Spain and Sweden. Developments in Europe sit side by side with those in Mexico and the USA.
Author | : F. Jean Wells |
Publisher | : |
Total Pages | : 6 |
Release | : 1995 |
Genre | : Electronic funds transfers |
ISBN | : |
Download Electronic Money Book in PDF, ePub and Kindle
Author | : Elena G. Popkova |
Publisher | : Springer Nature |
Total Pages | : 1728 |
Release | : 2021-03-05 |
Genre | : Technology & Engineering |
ISBN | : 3030564339 |
Download Socio-economic Systems: Paradigms for the Future Book in PDF, ePub and Kindle
This book is reflective of a science-based vision of the future development paradigm of economic and social systems. It deals with the digitization as the technological basis for the future development of economic and social systems and presents a review of groundbreaking technologies and prospects for their application. The specific character of the industry and prospects for the application of digital technologies in business are analyzed. A rationale is provided for future prospects for the sustainable development of economic and social systems in a digital economy. The authors determine the process of the formation and development of the information-oriented society, social and educational aspects of the digitization, as well as the institutional framework of the digital future of social and economic systems. The book combines the best works following the results of the 12th International Research-to-Practice Conference “Artificial Intelligence: Anthropogenic Nature vs. Social Origin” that was held by the Institute of Scientific Communications (ISC) in cooperation with the Siberian Federal University and the Krasnoyarsk Regional Fund of support of scientific and scientific–technical activities on 5–7 December 2019, in Krasnoyarsk, Russia, as well as following the results of the 3rd International Research-to-Practice Conference “Economic and Social Systems: Paradigms for the Future” that was held by the ISC in cooperation with the Pyatigorsk State University on 5–6 February 2020. The target audience of the book consists of representatives of the academic community concerned with the future prospects for the development of economic and social systems, as well as economic agents engaged in the digitization of business processes, and representatives of public agencies regulating the development of business systems for their progressivity, sustainability and competitiveness.
Author | : Phoebus Athanassiou |
Publisher | : International Banking and Fina |
Total Pages | : 288 |
Release | : 2018-02-08 |
Genre | : Computers |
ISBN | : 9789041187819 |
Download Digital Innovation in Financial Services Book in PDF, ePub and Kindle
Digital Innovation in Financial Services' is a comprehensive legal assessment of FinTech or digital financial innovation covering its potential applications to payments, securities clearing and settlement, crowd-funding, and central banking. It is the first systematic attempt at proposing a conceptual framework against which to consider the most advisable regulatory policy approach vis-à-vis this incipient phenomenon. Consumer behaviour is rapidly trending towards the use of digital devices as instruments through which to transact day-to-day business. This book shows how the global digitisation trend and the steadily rising consumer demand for innovation in the field of financial services create new opportunities not only for retail consumers but also for financial service providers, regulators, and central banks. The author offers a comprehensive overview of these opportunities and their countervailing legal and regulatory challenges.
Author | : |
Publisher | : |
Total Pages | : 47 |
Release | : 2009 |
Genre | : |
ISBN | : 9789289906029 |
Download Retail Payments Book in PDF, ePub and Kindle
On 25-26 May 2009 the European Central Bank and De Nederlandsche Bank hosted a conference entitled "Retail payments: integration and innovation". The aim of the conference was to better understand current developments in retail payment markets and to identify possible future trends by bringing together around 200 high-level policy-makers, academics, market practitioners and central bankers from all over the world. This document provides a comprehensive summary of the two-day conference and highlights the main messages and key policy issues identified. The keynote speeches, panel sessions and paper discussions centred around four main themes: the relevance of retail banking and payments for banks' profitability; the integration, competition and regulation of retail payment markets; payment habits and the adoption of new payment innovations; and the future of retail banking and retail payment markets. This conference summary shows that the expectations and requirements of payment users are strongly influenced by major social trends and a growing demand for more innovative payment solutions. Overall, the conference findings will further stimulate our efforts to foster innovation and integration in retail banking and payments.