The world had to face last century a series of financial crashes which were felt more or less intense in every country. As the links between national economies became stronger, the consequences of the financial crises spread faster. Thus, giving both governments and citizens more reasons to...

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...