transforming payment systems in europe

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Transforming Payment Systems In Europe

Author : Jakub Górka
ISBN : 1137541202
Genre : Business & Economics
File Size : 20. 85 MB
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The European payment market has undergone rapid transformation in recent years due to changes in payment habits, new business rules and new legal frameworks and regulation. There has also been an advent of new technologies and payment solutions which has altered the European payments landscape drastically. This book provides an overview of the key issues involved in this new payments landscape. The authors discuss fundamental problems such as substitution between cash and non-cash payment instruments, payment costs, the economics of fees, and the demand for cash and deposit money. They also analyse issues such as two-sided markets, business platforms and the problem of critical mass. Other chapters focus on new phenomena in payments such as mobile payments, multi-sided platforms, electronic wallets, virtual currencies, decentralised ledgers, private digital currencies, blockchain and instant payments. The authors also review existing regulation for the topic including the revised Payment Services Directive (PSD2), Interchange Fee Regulation (IF/MIF Reg), and the Single Euro Payments Area (SEPA) project. Transforming Payment Systems in Europe offers insight into changing payment culture and the ways in which new payment systems can create a single digital market to foster further integration in Europe.

Transforming Payment Systems

Author : Setsuya Sat?
ISBN : 0821333550
Genre : Business & Economics
File Size : 61. 45 MB
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Emphasizes the importance of designing a well-functioning intergovernmental fiscal system for achieving the reform objectives of economies in transition. This study explores the issues involved in redesigning intergovernmental relations in Albania, Bulgaria, Hungary, Poland, Romania, the Russian Federation, and Ukraine, where extensive political and fiscal decentralization is now underway. The volume focuses on the elements of decentralization in the transitional economies that distinguish them from those in the rest of the world. The book shows that in the transition from a command to a market economy, designing a well-functioning intergovernmental fiscal system is a prerequisite for achieving other reform objectives: macroeconomic stability, private sector development, and a social safety net for those hurt by the transition. The study further demonstrates that a broader analytical framework than is conventionally involved in the study of intergovernmental finance is needed for analyzing fiscal issues in these economies.

Transforming Europe

Author : Maria Green Cowles
ISBN : 0801486718
Genre : Business & Economics
File Size : 77. 66 MB
Format : PDF
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Does the European Union change the domestic politics and institutions of its member states? Many studies of EU decisionmaking in Brussels pay little attention to the potential domestic impact of European integration. Transforming Europe traces the effects of Europeanization on the EU member states. The various chapters, based on cutting-edge research, examine the impact of the EU on national court systems, territorial politics, societal networks, public discourse, identity, and citizenship norms.The European Union, the authors find, does indeed make a difference—even in Germany, France, and the United Kingdom. In many cases EU rules and regulations incompatible with domestic institutions have created pressure for national governments to adapt. This volume examines the conditions under which this "adaptational pressure" has led to institutional change in the member states.

Postsocialist Pathways

Author : David Stark
ISBN : 0521589746
Genre : Business & Economics
File Size : 21. 66 MB
Format : PDF
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Can property regimes be successfully transformed while simultaneously extending citizenship rights to the property-less? This is the postsocialist challenge analyzed in this comparative study of the new democracies of a distinctly East European capitalism. Tracing the diverse pathways from the collapse of communism, a leading American economic sociologist and a pioneering Hungarian political scientist examine the innovative character, born of necessity, of postsocialist institutions in which actors are recombining economic assets and redefining political resources. Under conditions of extraordinary uncertainty, networks of enterprises become the units of economic restructuring, blurring the boundaries of public and private and yielding distinctive patterns of interorganizational ownership. In contrast to calls to liberate the market or to liberate the state, this sustained comparative analysis demonstrates the benefits of deliberative institutions that are neither market friendly nor hierarchical. By extending accountability, actors bound through associative ties make agreements that extend the authority to carry out reforms.

Leading From The Emerging Future

Author : Otto Scharmer
ISBN : 9781605099286
Genre : Business & Economics
File Size : 51. 78 MB
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Our Time Is Now We have entered an age of disruption. Financial collapse, climate change, resource depletion, and a growing gap between rich and poor are but a few of the signs. Otto Scharmer and Katrin Kaufer ask, why do we collectively create results nobody wants? Meeting the challenges of this century requires updating our economic logic and operating system from an obsolete “ego-system” focused entirely on the well-being of oneself to an eco-system awareness that emphasizes the well-being of the whole. Filled with real-world examples, this thought-provoking guide presents proven practices for building a new economy that is more resilient, intentional, inclusive, and aware. “A watershed! An inspiring, practical weaving of the inner and outer dimensions of the systemic changes so many around the world are now working toward.” —Peter Senge, Senior Lecturer, MIT Sloan School of Management; Founding Chair, Society for Organizational Learning; and author of The Fifth Discipline “Scharmer and Kaufer have succeeded in writing the book that has the potential to transform civilization from one based on a rapacious, ego-driven economics to a viable, ecological, awareness-based model. This is a must-read for anyone who cares. It may well be the single most important book you ever read.” —Arthur Zajonc, President, Mind and Life Institute, and author of Meditation as Contemplative Inquiry “Scharmer and Kaufer provide a creative and practical approach to shifting our economies. I see business as a movement, and this book shares that movement with the world, offering us inspiration to tap into the deeper levels of our humanity and urging us to transform the crises of our times.” —Eileen Fisher, founder, Eileen Fisher, Inc. “The shift to an eco-system economy is emerging everywhere around us. Otto’s and Katrin’s clarity in identifying that this shift requires change-makers to expand our thinking from the head to the heart has helped me to be more intentional in designing processes to awaken the hearts of entrepreneurs everywhere. This is a necessary condition for the emergence of the new economy.” —Michelle Long, Executive Director, Business Alliance for Local Living Economies “The purpose of business is to enhance the well-being of society. The 4.0 framework for transforming capitalism matters because it addresses a blind spot in our current discourse: how to create institutional innovations that could shift our economy from ego- to eco-system awareness at the scale of the whole.” —Guilherme Peirão Leal, founder and Cochairman, Natura Cosméticos

Socialism Capitalism Transformation

Author : Leszek Balcerowicz
ISBN : UOM:39015037256685
Genre : Business & Economics
File Size : 24. 1 MB
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This volume gathers together essays on the theme of economic transition in Central and Eastern Europe, written by the Polish Minister of Finance. In it, the author summarizes the research on institutions, institutional change and human behaviour that he has undertaken since the late 1970s. He addresses such issues as the socialist market economy, reformability of the Soviet-type economic system, democratization and market-orientated reform in Central and Eastern Europe, and the Polish model of economic reform.

Introduction To Information Systems

Author : R. Kelly Rainer
ISBN : 9780470473528
Genre : Computers
File Size : 47. 99 MB
Format : PDF
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Information technology professionals will gain invaluable information with this updated resource on how to connect concepts to key business areas. These areas include accounting, finance, marketing, management, human resources, and operations. The new edition provides concise and accessible coverage of core IT topics. Do It Yourself activities show them how to apply the information on the job. Technology professionals will then be able to discover how critical IT is to each functional area and every business.

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