Money on line. eu 2007. The future of digital payment systems
Contributi
Carlo Tresoldi, Charlie McCreevy, Gertrude Tumpel Gugerell, Thomas Lammer, Markus Pammer, Christiane Burger, Robert Reiger, Rui Filipe Pimentel, Luc Migeot, Gianfranco Tabasso, Isabelle Olivier, Peter Legeza, Tomasz Jonczyk, Antonella Vanara, Manuela De Lorenzo
Argomenti
Livello
Studi, ricerche
Dati
pp. 288,   figg. 30,     1a edizione  2007   (Codice editore 571.2.11)

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Codice ISBN: 9788846489913

In breve
This book deals with the theme of payment systems in Europe, where the payment systems are going to be regulated by new rules: the Payment Systems Directive (PSD), that should be adopted by the member countries by 2009, is converging with the banking industry selfregulation, the Single Euro Payment Area (SEPA) and both of them imply a basic policy revision in the actual banking system cost models.
Presentazione del volume

Studies performed by European Central Bank and European Commission estimated that the total costs of the current payment systems in Europe could amount the 3% of the GDP and that the cost of a cash transaction ranges between 30 and 55 euro cent.
European interoperable infrastructures and electronic payment systems (direct debit, credit transfers, payment cards) are needed to low these costs but, at the same time, digitizing the payment scenario is paving the way to several different market players: large retail chains, ICT providers of the banking sector, cards issuers and acquirers, telecommunication companies, airlines, eBusiness players.
In Europe, the payment systems are going to be regulated by new rules: the Payment Systems Directive (PSD), that should be adopted by the member countries by 2009, is converging with the banking industry self-regulation, the Single Euro Payment Area (SEPA) and both of them imply a basic policy revision in the actual banking system cost models.
After the 2004 and the 2006 issues, this Third European Observatory on Digital Payment Systems and Smart Cards, jointly performed by FTI and SIA-SSB Group, aims to analyze these regulatory, technology and market trends, collecting documents and papers, in order to contribute to the knowledge of the payment systems of the 21st century global village.

"Europe is undergoing a period of fervent activity in the payments sector. The instruments and services offered to users in the field of retail payments have almost reached complete harmonization. The way is being paved to give the market those features of fair and open access that will enable competition to express its full potential, with positive consequences for the efficiency and cost of transactions." (Carlo Tresoldi, Chairman SIA-SSB Group)

Giorgio Pacifici, sociologist of political and economical phenomena, deals with the implications of technology on contemporary society and social change. He has been professor in European and American universities and was director of research branches of ICT private companies and Technology Advisor for different Ministries.
Pieraugusto Pozzi, full degree in Electronic Engineering, has been involved in R&D international activities. Director of Forum per la Tecnologia dell'Informazione (FTI), he is author of papers and essays about eCommerce, smart cards, ICT security and holds professorship at the University of Perugia.

Indice


Carlo Tresoldi, Introduction
How to read this book: a short guide to the contents
Part One. The future of digital payment systems
Giorgio Pacifici, Pieraugusto Pozzi, The evolutionary trends of digital payment systems: regulators, market players, business and consumers
EuropeanCommission, Retail banking sector and payment systems: the Europea Commission inquiry
ECB & US Federal Reserve Bank, Non banks in the Payment Systems: European and U.S. perspectives
FTI, An explanatory banckground on Payment Systems, Payment Service Directive and Single Euro Payment Area
Joint statements by the European Commission and the European Central Bank concerning PSD and SEPA
Part Two. The European digital payment scenario: towards PSD and SEPA
Charlie McCreevy, EU Commissioner, SEPA: an opportunity for Europe
Gertrude Tumpel-Gugerell, ECB Executive Board, The new SEPA landscape from vision to reality
EPC, Making SEPA a reality
EBA, Banks Preparing for SEPA
Thomas Lammer, Markus Pammer, Christiane Burger, Robert Reiger, The Austrian payments landscape and the expected impact of SEPA
Rui Pimentel, Bank of Portugal, Retail Payments in Portugal: the impacts of the SEPA Project
Summaries on National SEPA migration plans in France, Germany, Italy, Spain
Part Three. The European players' points of view: providers, business, consumers
Luc Migeot, Cast Project, Gianfranco Tabasso, EACT, SEPA: what impact on businesses?
BEUC, If we want a Single Market, we need better payment systems
Isabelle Olivier, Swift, The European Payment Environment: on-going evolution towards a single efficient market
Peter Legeza, Giro Ltd Hungary, Core activities and future plans of the Interbank Clearing House of Hungary
Tomasz Jonczyk, KIR Poland, Mission and scope of the National Clearing House of Poland
Equens, What eBusiness means for us today
Antonella Vanara, SIA-SSB, SEPA: the state of art
Part Four. FTI Cartaforum Italia data about digital payment systems and payment cards
Manuela De Lorenzo, FTI, Evolution of retail payment systems and instruments in Europe
Payment cards in Europe
EMV Migration
The global and European market of smart cards
Statistical data on large-value payment systems in Europe
Analytical Index.