transforming payment systems in europe

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Transforming Payment Systems In Europe

Author : Jakub Górka
ISBN : 9781137541215
Genre : Business & Economics
File Size : 43. 28 MB
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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.

Transforming Payment Systems

Author : Setsuya Sat?
ISBN : 0821333550
Genre : Business & Economics
File Size : 36. 29 MB
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Emphasizes the importance of designing a well-functioning intergovernmental fiscal system for achieving the reform objectives of economies in transition. This study explores the issues involved in redesigning intergovernmental relations in Albania, Bulgaria, Hungary, Poland, Romania, the Russian Federation, and Ukraine, where extensive political and fiscal decentralization is now underway. The volume focuses on the elements of decentralization in the transitional economies that distinguish them from those in the rest of the world. The book shows that in the transition from a command to a market economy, designing a well-functioning intergovernmental fiscal system is a prerequisite for achieving other reform objectives: macroeconomic stability, private sector development, and a social safety net for those hurt by the transition. The study further demonstrates that a broader analytical framework than is conventionally involved in the study of intergovernmental finance is needed for analyzing fiscal issues in these economies.

Transforming Europe

Author : Maria Green Cowles
ISBN : 0801486718
Genre : Business & Economics
File Size : 80. 8 MB
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Does the European Union change the domestic politics and institutions of its member states? Many studies of EU decisionmaking in Brussels pay little attention to the potential domestic impact of European integration. Transforming Europe traces the effects of Europeanization on the EU member states. The various chapters, based on cutting-edge research, examine the impact of the EU on national court systems, territorial politics, societal networks, public discourse, identity, and citizenship norms.The European Union, the authors find, does indeed make a difference—even in Germany, France, and the United Kingdom. In many cases EU rules and regulations incompatible with domestic institutions have created pressure for national governments to adapt. This volume examines the conditions under which this "adaptational pressure" has led to institutional change in the member states.

Payment Systems

Author : David B. Humphrey
ISBN : 0821331116
Genre : Banks and banking, International
File Size : 54. 5 MB
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World Bank Technical Paper No. 260. An efficient payment system is a necessary precondition for business development. This study outlines the basic operating principles of a payment system and reviews its benefits, costs, risks, and problems. It examines in detail the systems currently in place in the developed economies of Europe and the United States and draws from the analyses to support recommendations for restructuring those systems in developing countries. The study reviews the various types of payment practices that exist in mature systems including cash, check, GIRO, debit and credit card, direct debit, and large-value wire transfers. A range of short- and long-term improvements in payment systems are recommended for developing countries. There is a special focus on the Russian payment system and the problems it faces in transition from a centrally planned to an market economy.

Housing First

Author : Deborah Padgett M.P.H
ISBN : 9780199989812
Genre : Social Science
File Size : 39. 31 MB
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This book is the first to chronicle the story of Housing First (HF), a paradigm-shifting evidence-based approach to ending homelessness that began in New York City in 1992 and rapidly spread to other cities nationally and internationally. The authors report on the rise of a 'homeless industry' of shelters and transitional housing programs that the HF approach directly challenged by rejecting the usual demands of treatment, sobriety and housing readiness. Based upon principles of consumer choice, harm reduction and immediate access to permanent independent housing in the community, HF was initially greeted with skepticism and resistance from the 'industry'. However, rigorous experiments testing HF against 'usual care' produced consistent findings that the approach produced greater housing stability, lower use of drugs, and alcohol and cost savings. This evidence base, in conjunction with media accounts of HF's success, led to widespread adoption in the U.S., Canada, Western Europe, and Australia. The book traces the history of homelessness and the rapid growth of the publically funded homeless industry, an amalgam of religious and philanthropic organizations, advocacy groups, and non-profits that were insufficient to stem the tide of homelessness resulting from dramatic reductions in affordable housing in the 1980s and continuing to the present day. The authors summarize research findings on HF and include a chapter of personal stories of individuals who have experienced HF. Unique to this book is the participation of the founder of HF (Tsemberis) and well-known research on HF by the co-authors (Padgett and Henwood). Also unique is the deployment of theories-organizational, institutional and implementation-to conceptually frame the rise of HF and its wide adoption as well as the resistance that arose in some places. Highly readable yet informative and scholarly, this book addresses wider issues of innovation and systems change in social and human services.

Trade And Payments In Central And Eastern Europe S Transforming Economies

Author : Lucjan T. Orlowski
ISBN : 0313297649
Genre : Business & Economics
File Size : 64. 89 MB
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Examines the disintegration and the subsequent reform of Central and Eastern Europe's trade and payments as one of the most major systemic changes in world economic history.

Postsocialist Pathways

Author : David Stark
ISBN : 0521589746
Genre : Business & Economics
File Size : 71. 62 MB
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Can property regimes be successfully transformed while simultaneously extending citizenship rights to the property-less? This is the postsocialist challenge analyzed in this comparative study of the new democracies of a distinctly East European capitalism. Tracing the diverse pathways from the collapse of communism, a leading American economic sociologist and a pioneering Hungarian political scientist examine the innovative character, born of necessity, of postsocialist institutions in which actors are recombining economic assets and redefining political resources. Under conditions of extraordinary uncertainty, networks of enterprises become the units of economic restructuring, blurring the boundaries of public and private and yielding distinctive patterns of interorganizational ownership. In contrast to calls to liberate the market or to liberate the state, this sustained comparative analysis demonstrates the benefits of deliberative institutions that are neither market friendly nor hierarchical. By extending accountability, actors bound through associative ties make agreements that extend the authority to carry out reforms.

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