The flexibility growth in the work process represents an objective of the UE, which must be achieved at national as well as regional level, in order to integrate in European Information Society. The information Society implies the modification of the work process because more and more workers...

Most of the international commercial transactions consist of merchandise and capital flows. The fluidization of these flows implies special financing techniques or the use of some payment instruments adequate to the purpose: minimum risk, time and cost. The payment sources or instruments can...