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Payment Instruments, Financial Privacy and Online Purchases
Balgobin, Yann; Bounie, David; Quinn, Martin; … - In: Review of Network Economics 15 (2016) 3, pp. 147-168
Abstract The protection of financial personal data has become a major concern for Internet users in the digital economy. This paper investigates whether the consumers’ use of non-bank payment instruments that preserve financial privacy from banks and relatives may increase their online...
Persistent link: https://www.econbiz.de/10014618882
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Competition in bank-provided payment services
Bolt, Wilko; Humphrey, David - European Central Bank - 2013
Banks supply payment services that underpin the smooth operation of the economy. To ensure an efficient payment system, it is important to maintain competition among payment service providers but data available to gauge the degree of competition are quite limited. We propose and implement a...
Persistent link: https://www.econbiz.de/10010686830
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Competition in bank-provided payment services
Bolt, Wilko; Humphrey, David - de Nederlandsche Bank - 2013
Banks supply payment services that underpin the smooth operation of the economy. To ensure an efficient payment system, it is important to maintain competition among payment service providers but data available to gauge the degree of competition are quite limited. We propose and implement a...
Persistent link: https://www.econbiz.de/10010711999
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Retail Payment Systems: Competition, Innovation, and Implications
Bolt, Wilko - de Nederlandsche Bank - 2012
Efficient payment services underpin the smooth operation of the economy. Competition and innovation are key drivers for payment market efficiency in both the short and long run. This paper gives an overview and tries to assess the key determinants that affect pricing, competition and the...
Persistent link: https://www.econbiz.de/10010822696
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Payment Network Scale Economies, SEPA, and Cash Replacement
Bolt, Wilko; Humphrey, David - In: Review of Network Economics 6 (2007) 4, pp. 453-473
The goal of SEPA (Single Euro Payments Area) is to facilitate the emergence of a competitive, intra-European market by … making cross-border payments as easy as domestic transactions. With cross-border inter-operability for electronic payments …, card transactions will increasingly replace cash and checks for all types of payments. Using different methods, we estimate …
Persistent link: https://www.econbiz.de/10005432503