Nowadays the information technology has a major influence on the society. There are specialists who keep speaking about the e-economy as about a phenomenon asserted itself by using these technologies; starting with the electronic transactions to the e-business including e-commerce and the...

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...