In this paper, we provide a definition of mobile payments and we analyze the markets that could be targeted by mobile payment service providers, both in developed and in developing countries. Focusing on the case of developed countries, we introduce five cooperation models that have emerged or...

We propose a novel approach for the time efficiency study of payment process at the Point-Of-Sale (POS). A wide range of payment methods from cash and standard cards to contactless cards, RFID stickers and mobile payments (NFC and remote) was analysed. Transactions were timed by means of digital...

In this paper, we study the development of mobile payments as an innovation in developed countries. In particular, we introduce five cooperation models that have emerged or could emerge between banks, mobile network operators, and payment systems, for the development of this new payment method....

We make a distinction between centralized, decentralized, and distributed payment mechanisms. A centralized payment mechanism processes a transaction using a trusted third party. A decentralized payment mechanism processes a transaction between the parties to the transaction. A distributed...

Financial inclusion and digital payment use remain low in Peru. There is extensive literature on the determinants of deposit account access as a measure of financial inclusion, but few studies focus on digital payment use, and none addresses the Peru case at the micro level. This paper uses data...

Purpose: Consumers in the Netherlands made more than 3.2 billion debit card transactions at points-of-sale in 2015, corresponding to over half of all point-of-sale payments in that year. This study provides insights into the environmental impact of debit card transactions based on a life cycle...

This paper traces the evolution of EU payments law for retail payments, identifying four phases of its development. In spite of the EU's founding principle of free movement of payments, the first two phases of EU payments law were characterized by negative integration and soft law measures with...

In this paper, we gather together the minimum units of Bitcoin identity (the individual addresses), and group them into approximations of business entities, what we call “super clusters”. While these clusters can remain largely anonymous, we are able to ascribe many of them to particular...

Im Zuge der Corona-Pandemie hat der Einzelhandel den Einsatz von non-cash Einzelhandel vorangetrieben. Um eine Covid-Ansteckung zu verhindern, werden Kund*innen gebeten bargeldlos zu zahlen. Tatsächlich es gibt zwischen einzelnen Volkswirtschaften große Unterschiede in der Verwendung von...

A core function of any banking system is the provision of payments. However, a greater number of non-banks are becoming part of the payments landscape. Payments can be made via fiat or crypto currencies, bank credit or deposits, or funds transfers on the books of non-bank payment providers. Most...