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Journal articles on the topic 'European payment systems'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

May, Theresa. "Payment systems without frontiers." ITNOW 35, no. 6 (1993): 12–14. https://doi.org/10.1093/combul/35.6.12.

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Abstract Over the past three years the European banking industry has been working with the European Commission and others - central banks, consumer representatives, retailers and representatives of small and medium-sized businesses - on the removal of obstacles to the development of improved cross-border payment systems.

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Trofimov, D. V. "Financial technologies in the field of retail payments: Current trends and perspectives in EU and Russia." Voprosy Ekonomiki, no. 3 (March 28, 2018): 48–63. http://dx.doi.org/10.32609/0042-8736-2018-3-48-63.

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The article analyzes tendencies of national payment systems development in the European Union and Russia: electronic and deposit money, bank cards, financial technologies in the field of retail payments. The author identifies factors that stimulate the development of cashless retail payments and the national payment card systems in the European Union, as well as the problems and prospects of this sector forming in Russia. Recommendations on the development of a competitive environment and financial technologies in the field of retail payments in Russia are proposed.

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Prystеmskyi, Oleksandr S., Alina Zh Sakun, Andrii S. Mokhnenko, Serhii V. Kostornoi, and Roman A. Antonov. "Innovations of the European Digital Space in the Banking Payment Services Market." Studies in Business and Economics 20, no. 1 (2025): 228–46. https://doi.org/10.2478/sbe-2025-0013.

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Abstract The article examines the specifics of the development of the banking payment services market in the context of the European vector of the development of the digital economy. It is proven that modern banks operate in a state of rapid and irreversible technological changes, where dynamic fluctuations of the banking services market under the influence of constant changes in customer behavior require innovative payment tools and regulatory levers of payment systems in the global digital space. It is justified that the payment system at the mega-economic or global level is a “digital platf

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Repousis, Spyridon. "Money laundering and Greek banking payment and settlement systems." Journal of Money Laundering Control 19, no. 1 (2016): 58–69. http://dx.doi.org/10.1108/jmlc-12-2014-0049.

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Purpose – The purpose of this paper is to identify, categorize and describe the Greek banking payment and settlement systems and the way to SEPA. Also, the purpose is to describe authorities that supervise money laundering through Greek payment systems and identify major categories of suspicious transaction reports and amounts of criminal assets per each category. Design/methodology/approach – The Bank of Greece, central bank of Greece, has explicit tasks in the field of payment and settlement systems. In Greece, there are three payment and settlement systems: large-value payment system (TARGE

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Van Praag, Emanuel. "The future of European payments: Faster, cheaper, more digital and more European; with no one left behind." Journal of Payments Strategy & Systems 18, no. 4 (2024): 327. https://doi.org/10.69554/kywz1749.

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This paper describes key trends in the payments markets (namely, declining use of cash, digitisation, the growth of payment fraud, and geopolitical tensions) and how these translate into risks, both perceived and real. The paper then describes how the European Union (EU) legislator is addressing these risks, for example, through the proposed EU Payment Services Regulation and the Instant Payments Regulation, which will introduce such measures as conditional reversal of liability for authorised push payment fraud and confirmation of payee services to enhance fraud prevention and protect consume

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Prakash Raju Kantheti and Prof. Stella Bvuma. "Real-Time Payment Systems for Boosting Economic Productivity." International Journal of Scientific Research in Science, Engineering and Technology 11, no. 4 (2024): 308–31. https://doi.org/10.32628/ijsrst24114169.

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More effective, safe, and scalable cross-border payment systems have to be developed in light of the explosive rise of global trade and digital commerce. Digital alternatives that make use of cutting-edge technology like artificial intelligence (AI) are gradually replacing traditional cross-border payment methods, which are often expensive and sluggish. This study examines how real-time analytics driven by AI may revolutionise cross-border payment systems by increasing security, decreasing costs, and speeding up transactions. While analysing the critical trade-off between transaction speed and

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Vardi, Noah. "The Indirect Effects on Domestic Law of the European Legislation on Payment Systems." European Review of Private Law 23, Issue 6 (2015): 945–57. http://dx.doi.org/10.54648/erpl2015057.

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Abstract: The article examines the impact that recent European Union (EU) legislation on payment systems has on domestic rules on payments in general. Given that the Payment Services Directive (PSD), for example, only regulates the payment service contract for the transfer of funds, without considering the underlying debt, the paper tries to assess whether, in the absence of a direct harmonization of national provisions on performance, discharge, and breach of a payment obligation, there is room for an indirect and gradual convergence in commercial practice and in judicial interpretation. Résu

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Grabowski, Michał. "Virtual IBAN as a Service in the Law of the European Union and Poland." Journal of Risk and Financial Management 15, no. 12 (2022): 566. http://dx.doi.org/10.3390/jrfm15120566.

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The purpose of this paper is to present the two existing virtual account models functioning in the European Union, examine their legal validity and identify the legal challenges related to the functioning of these models. The first model, Mass Payment Accounts, which is related to virtual accounts rather than to virtual IBANs, is the model where the licensed financial institution only provides a business payment (settlement) account, with technical subaccounts, to one of their business clients. The functionality of the subaccounts is limited to reflect and distinguish the incoming payments. Th

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Vynogradova, Olena, Iryna Sovershenna, Alua Yesmakhanova, and Olha Ihnatenko. "Development trends of payment ecosystems as a key link of the e-commerce infrastructure." International Science Journal of Management, Economics & Finance 3, no. 5 (2024): 45–54. http://dx.doi.org/10.46299/j.isjmef.20240305.06.

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The article provides an analytical assessment of trends and prospects for the development of payment ecosystems as a key link of e-commerce infrastructure. The factors of the development of electronic payment systems are systematized: the formation of technical and technological prerequisites related to general digitalization (payment infrastructure, network of POS terminals; mobile telephony capabilities; Abstract. The article provides an analytical assessment of trends and prospects for the development of payment ecosystems as a key link of e-commerce infrastructure. The factors of the devel

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Polasik, Michał, Paweł Widawski, Grzegorz Keler, and Agnieszka Butor-Keler. "Retail Payments Strategy for the EU versus the challenges of the payment sector." Ekonomia i Prawo 20, no. 3 (2021): 617–40. http://dx.doi.org/10.12775/eip.2021.037.

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Motivation: The payment services sector has become one of the main areas for the development of financial innovation and the key element of the digital economy. However, the payment services market in the European Union (called the European Payments Market) is still fragmented along national borders, insufficiently integrated, and facing several challenges. Therefore, the newly announced Retail Payments Strategy for the EU is a document of great importance for the future of the entire EU economy, and deserves in-depth study. Aim: The purpose of this paper is to assess whether the trends

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Huizinga, Gert. "From cash to gigabytes: The European evolution in payment technology from a merchant perspective." Journal of Payments Strategy & Systems 19, no. 1 (2025): 85. https://doi.org/10.69554/cktx7128.

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It has been about 40 years since PIN-based card payments first appeared in Europe, marking the start of a major shift in how transactions are handled. Since then, we have moved to more advanced systems, like contactless and mobile-initiated payments. Each step in this journey has not simply changed the way that customers pay, but also how merchants interact with payment technologies, bringing with it a fresh set of challenges and opportunities for merchants. As merchants have adapted to these technologies, they have learned valuable lessons, particularly as regards customer experience, transac

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Salamon, Tanja, Borut Milfelner, and Jernej Belak. "Ethical culture as a predictor of late payments." Kybernetes 46, no. 4 (2017): 621–37. http://dx.doi.org/10.1108/k-02-2016-0033.

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Purpose Poor payment discipline has been a constant problem faced by European companies and has only deteriorated with the current global economic crisis. Even though new legislation has been adopted several times on the European level, the situation has not changed in favor of improved payment discipline. This research aims to determine the correlation between ethical culture of the company and how it influences its payments. Design/methodology/approach The factor structure of Kaptein’s (2008) instrument for measuring ethical culture was analyzed using principal component analysis with varima

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Camilleri, Silvio John, and Christabelle Agius. "Choosing Between Innovative and Traditional Payment Systems: An Empirical Analysis of European Trends." Journal of Innovation Management 9, no. 4 (2022): 29–57. http://dx.doi.org/10.24840/2183-0606_009.004_0003.

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The current variety of payment methods offers faster settlements and reasonable security, however payment innovations may be met with inertia or resistance. This study addresses the characteristics which may be associated with the adoption of novel payment systems and salient user trends in this respect. We investigate whether the reliance on traditional payment methods across European countries is related to socio-economic aspects, and also delve into the payment habits at the individual level. Results from an econometric model suggest that financial market development and education-related f

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Prykaziuk, N., and D. Pasevych. "Serving the Economies of Countries with Electronic Payment Systems." Bulletin of Taras Shevchenko National University of Kyiv. Economics, no. 215 (2021): 40–46. http://dx.doi.org/10.17721/1728-2667.2021/215-2/5.

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The environmental and health care challenges pose new requirements for the level of technological equipment responsible for uninterrupted financial flows. The research is based on the following indicators: gross domestic product; e-commerce revenue; the share of banks’ participation in e-commerce; the level of cash usage in developed and developing countries; online and offline payments in European countries. The following statistical sources were used: the IMF, Statista, McKinsey, Adobe Analytics, Blue Yonder, Oliver Wyman, BIS, etc. We detected that the European countries became one of the f

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15

Cencini, Alvaro. "Can the ECB save the Euro zone?" Banks and Bank Systems 11, no. 2 (2016): 81–94. http://dx.doi.org/10.21511/bbs.11(2).2016.08.

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The European project of monetary unification is under threat as never before. It is, therefore, high time to point out what went wrong and what should be done to reform the Eurosystem accordingly. This paper shows that Euro zone member countries are de facto still lacking a single currency and a monetary system that would allow for the final payment of cross-border transactions. Starting from the RTGS mechanism adopted by the Eurosystem and from a comparison with the working of domestic payment systems, it describes the changes required to transform the ECB into a bank of central banks capable

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Sheaff, Rod, Verdiana Morando, Naomi Chambers, et al. "Managerial workarounds in three European DRG systems." Journal of Health Organization and Management 34, no. 3 (2020): 295–311. http://dx.doi.org/10.1108/jhom-10-2019-0295.

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PurposeAttempts to transform health systems have in many countries involved starting to pay healthcare providers through a DRG system, but that has involved managerial workarounds. Managerial workarounds have seldom been analysed. This paper does so by extending and modifying existing knowledge of the causes and character of clinical and IT workarounds, to produce a conceptualisation of the managerial workaround. It further develops and revises this conceptualisation by comparing the practical management, at both provider and purchaser levels, of hospital DRG payment systems in England, German

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Mastilo, Zoran, Filip Barić, and Adis Puška. "Challenges and Opportunities of Implementing Digital Payment Systems in Southeast European Countries." Journal of Central Banking Theory and Practice 14, no. 2 (2025): 5–28. https://doi.org/10.2478/jcbtp-2025-0011.

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Abstract Digital transformation significantly impacts all aspects of the economic system, particularly the functioning of monetary policy and the financial sector. As a key process in modernization, digital transformation encompasses innovations that enable faster, safer and more efficient financial transactions, contributing to greater transparency and better economic integration. This paper analyzes the impact of digital transformation on the monetary policies of Southeast European (SEE) countries, with a particular focus on the development and implementation of digital payment systems. The

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Shapoval, Roman Volodymyrovych, Ruslan Orlovskyi, Maksym Sykal, and Stanislav Zlyvko. "Counteraction to offenses committed with the use of electronic payment systems: new challenges and problems." Revista Amazonia Investiga 10, no. 44 (2021): 261–69. http://dx.doi.org/10.34069/ai/2021.44.08.25.

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Legal, organizational and technical issues of the current state of crime prevention in the field of electronic payment systems in different countries and in Ukraine are considered. The following methods were used in the article: dialectical, documentary analysis, analytical analysis of documents and observations. Identified and analyzed current trends and risks associated with the use of electronic payment systems by legal entities. Electronic payments have been found to be a progressive and convenient innovation on the one hand, which has greatly accelerated the ability of individuals to enga

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19

Нечепоренко, І. Д., and К. Г. Гриценко. "INTEGRATION OF DIGITAL PAYMENT SYSTEMS IN E-COMMERCE AS A KEY FACTOR OF ENTERPRISE ECONOMIC SECURITY." Цифрова економіка та економічна безпека, no. 2 (17) (March 31, 2025): 201–4. https://doi.org/10.32782/dees.17-33.

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The article explores the integration of digital payment systems into e-commerce as a key factor in strengthening enterprise economic security. It emphasises the strategic role that digital payments play in ensuring financial stability, reducing operational risks, and enhancing customer trust, especially for small and medium-sized enterprises (SMEs). The study synthesises current academic discourse and industry reports, focusing on the advantages of real-time transaction processing, transparency, compliance with regulatory standards, and operational efficiency. It highlights the risks associate

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GRISHISHISHEN, KIRILL. "LEGAL REGULATION OF ACTIVITIES OF ELECTRONIC PAYMENT SYSTEMS: EXPERIENCE OF FOREIGN JURISDICTIONS." LEGAL BULLETIN 2, no. 7 (2022): 66–78. https://doi.org/10.5281/zenodo.11189102.

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The relevance of the topic of the article is due to the ongoing processes of digitalization accompanying the development of many spheres of life. It is becoming easier for most companies and ordinary citizens to interact with each other online. The formation of this trend could have been observed before the pandemic, but the spread of coronavirus infection (COVID-19) seriously increased the speed of digital transformation of the economy, including the financial sector. Electronic means of payment are gradually gaining their niche in the settlement system. Some experts predict a complete displa

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Sytnyk, I. P., M. I. Pugachov, and S. V. Boiko. "PAYMENT SYSTEMS OF UKRAINE IN THE COORDINATES OF THE FUNCTIONING AND DEVELOPMENT OF WORLD AND EUROPEAN PAYMENT SYSTEMS." Financial and credit activity: problems of theory and practice 2, no. 29 (2019): 212–19. http://dx.doi.org/10.18371/fcaptp.v2i29.172209.

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Callado-Muñoz, Francisco J., Jana Hromcová, and Natalia Utrero-González. "Transformation of payment systems: the case of European Union enlargement." Applied Economics Letters 19, no. 18 (2012): 1787–91. http://dx.doi.org/10.1080/13504851.2012.654908.

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Taras, Protsenko, Yevhen Sobol, Pylyp Yerpyntsev, Viktor Koshchynets, and Anna-Maria Anheleniuk. "Legal regulation of payment systems in Ukraine: current situation and the prospects for development." Cuestiones Políticas 39, no. 69 (2021): 446–61. http://dx.doi.org/10.46398/cuestpol.3969.28.

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The purpose of the article is to consider the main international regulations on the introduction and operation of payment systems in Europe, as well as national legislation providing for the development of payment systems in Ukraine. The research methodology includes the following general and special legal methods: axiological, historical and legal, formal and logical, comparative and legal, as well as the methods of analysis and synthesis, induction and deduction, summarization. Results of the research. The main international regulations on the formation and functioning of payment systems in

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Janczuk-Gorywoda, Agnieszka. "Public-Private Hybrid Governance for Electronic Payments in the European Union." German Law Journal 13, no. 12 (2012): 1438–58. http://dx.doi.org/10.1017/s2071832200017934.

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The aim of this contribution is to illustrate the evolution of the Single Euro Payments Area (SEPA) as a form of European hybrid governance. The hybridity of SEPA is found in the interaction between traditional hard law, soft law and privately produced rules. The public and private systems of rules – public in the form of European directives and regulations and private in the form of multilateral agreements among payment service providers (SEPA Rulebooks) – coexist and mutually shape the structure of the European payments system. These two systems of rules have formally been produced within in

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Pozhydaeva, M. A. "EVOLUTION OF THE USE OF ELECTRONIC PAYMENT INSTRUMENTS: FINANCIAL AND LEGAL ASPECT." Legal horizons 33, no. 20 (2020): 82–87. http://dx.doi.org/10.21272/legalhorizons.2020.i20.p.

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The evolution of the use of electronic payment instruments from a finance law position is analyzed in the article. In the context of the latest technology dynamic introduction in the field of payments, the beginning of the history of modern electronic payment instruments can be conditionally linked to the creation of the London Clearing House in 1775 in the United Kingdom and the subsequent active use in the calculation of promissory notes and cheques, as well as other payment documents on the basis of the clearing. At the same time, we propose to periodize the evolution of the use of electron

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Svintsov, Oleksandr M., and Bohdan Ya Zvarych. "Regulatory Functions of State Institutions in the Modernization of the Electronic Payment Market in Ukraine." Business Inform 3, no. 566 (2025): 298–304. https://doi.org/10.32983/2222-4459-2025-3-298-304.

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The article explores the directions of implementing regulatory functions of the State in the process of modernizing the electronic payment market in Ukraine. It is noted that the main vectors of modernization include strengthening regulatory control by State institutions, introducing innovative technologies, improving payment infrastructure, stimulating competition, and expanding access to financial instruments for broad segments of the population. It is underlined that one of the key directions of modernizing the electronic payment market in Ukraine is the implementation of innovative technol

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Pozhydaeva, M. A. "Evolution of the use of electronic payment instruments: financial and legal aspect." Legal horizons, no. 20 (2020): 82–87. http://dx.doi.org/10.21272/legalhorizons.2020.i20.p82.

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The evolution of the use of electronic payment instruments from a finance law position is analyzed in the article. In the context of the latest technology dynamic introduction in the field of payments, the beginning of the history of modern electronic payment instruments can be conditionally linked to the creation of the London Clearing House in 1775 in the United Kingdom and the subsequent active use in the calculation of promissory notes and cheques, as well as other payment documents on the basis of clearing. At the same time, we propose to periodize the evolution of the use of electronic p

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Heimler, Alberto. "Competition and Efficiency in Payment Cards: Which Options for SEPA?" World Competition 31, Issue 1 (2008): 19–35. http://dx.doi.org/10.54648/woco2008003.

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Payment card networks face a challenge in convincing consumers, merchants and card issuers to use their networks. Overcoming this challenge requires networks to introduce complex rules and prices. However, certain rules and common practices reduce a merchant’s ability to communicate relative cost information of different networks to consumers, prevent steering towards low-cost payment mechanisms and reduce merchants’ bargaining options with card networks. Under these conditions, competition between networks can have the perverse effect of raising total cost to the users (jointly consumers and

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Barnáné Belényesi, Márta, and László Podmaniczky. "A „magas természeti értékű” mezőgazdasági területek lehatárolása Magyarországon." TÁJÖKOLÓGIAI LAPOK 5, no. 2 (2007): 347–62. https://doi.org/10.56617/tl.4410.

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In the European Union the concept of High Nature Value (HNV) farmlands and farming methods has developed for the past 15 years and it is in tight connection with the goal of integrating environmental interests into EU policies. Idea of HNV farming links together protection of biodiversity, conservation of rural and natural values by keeping agricultural areas under long-term cultivation and supporting special farming systems. These areas are currently under delineation in the member states of the European Union. We completed the designation of Hungarian HNV areas by considering, and to a certa

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Ortino, Matteo. "The Functions of Law and of Digital Platforms in the Payment System." European Business Law Review 33, Issue 7 (2022): 1083–108. http://dx.doi.org/10.54648/eulr2022047.

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This article focuses on the industrial role of the State, including the European Union, in the specific field of payments, probably the single most important component of any advanced economic system. Taking the payment system as a case study, the aim is to highlight and explore the conceptual and functional link and analogy between the industrial role of the State, on the one hand, and digital platforms, on the other. Policy makers adopt the most important economic functions exercised by or through digital platforms as industrial measures. The State enables and spurs economic growth and innov

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De Oliveira Dias, Dr Murillo, Leonardo José Dias Pereira, and Patrícia Dos Santos Vieira. "Are the Russian Banks Threatened with Removal from SWIFT? A Multiple Case Study on Interbank Financial Messaging Systems." International Journal of Scientific Research and Management 10, no. 03 (2022): 3137–44. http://dx.doi.org/10.18535/ijsrm/v10i3.em1.

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When Russia invaded Ukraine in February 2022, the United States, European Union, and their allies removed the Russian banks from the main interbank payment system worldwide, SWIFT (Society for Worldwide Interbank Financial Telecommunication), which is a secure messaging system that makes cross-border payments possible, vital for the international trade. However, it is not the first time that Russian banks are threatened with disconnection from Swift by the US government. In response, the Central Bank of Russia developed in 2014 the SPFS (System for Transfer of Financial Messages, our translati

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Scheller-Kreinsen, David, Wilm Quentin, and Reinhard Busse. "DRG-Based Hospital Payment Systems and Technological Innovation in 12 European Countries." Value in Health 14, no. 8 (2011): 1166–72. http://dx.doi.org/10.1016/j.jval.2011.07.001.

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Alt, Volker, Dominik Szymski, Markus Rupp, et al. "The health-economic burden of hip and knee periprosthetic joint infections in Europe." Bone & Joint Open 6, no. 3 (2025): 298–311. https://doi.org/10.1302/2633-1462.63.bjo-2024-0225.r1.

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AimsPeriprosthetic joint infections (PJIs) pose significant challenges to patients and healthcare systems worldwide. The aim of this study was to estimate the health-economic burden of reimbursement payment in Europe for PJIs following primary hip and knee arthroplasty.MethodsThe calculation was based on health-economic modelling using data on primary hip and knee arthroplasties for the year 2019 from the Statistical Office of the European Union (Eurostat) and published infection rates to estimate the total number of hip and knee PJIs in 30 European countries. Revision procedures were stratifi

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Vovchenko, O. S. "Ways to improve payment systems in Ukraine in the context of European integration." Economic Bulletin of Dnipro University of Technology 80 (December 2022): 49–56. http://dx.doi.org/10.33271/ebdut/80.049.

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Mints, Aleksey, Oleh Kolodiziev, Mykhailo Krupka, Bohdana Vyshyvana, and Lesya Yastrubetska. "A cross-impact analysis of the bank payment card market parameters and non-financial sectors’ indicators in the Ukrainian economy." Banks and Bank Systems 17, no. 2 (2022): 163–77. http://dx.doi.org/10.21511/bbs.17(2).2022.14.

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In Ukraine, card payment systems develop at a rate similar to that of modern digital payment instruments in most European countries. The purpose of the paper is to establish interdependence and explain the nature of changing situations in the market of bank payment cards (BPC) taking into account the dynamics of economic development parameters in non-financial sectors of the Ukrainian economy. The methodology of the study includes graphic methods analyzing the dynamics of economic development indicators and a method for analyzing the cause-and-effect relationship between the studied parameters

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Zurab Garakanidze, Zurab Garakanidze, Eka Gegeshidze Eka Gegeshidze, and Nino Maghradze Nino Maghradze. "Access to Financial Resources for the Tourism Sector Across the European Countries." Economics 106, no. 11-12 (2024): 55–62. https://doi.org/10.36962/ecs106/11-12/2024-55.

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For decades, tourism has been one of the fastest-growing sectors in the global economy, serving as a critical driver of social and economic progress. Although the COVID-19 pandemic caused temporary setbacks, the sector's recovery has highlighted its remarkable resilience and adaptability. In 2023, international tourism generated $1.4 trillion in revenue, representing 93% of pre-pandemic levels, with even more encouraging forecasts for 2024. Access to financial resources, particularly for small and medium-sized enterprises, continues to be a major challenge for the sustainable growth of the tou

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Ghevariya, S. "SOLUTION OF BLACK-SCHOLES EQUATION FOR STANDARD POWER EUROPEAN OPTIONS WITH DISCRETE DIVIDEND PAYMENT." Eurasian Journal of Mathematical and Computer Applications 11, no. 4 (2023): 29–39. http://dx.doi.org/10.32523/2306-6172-2023-11-4-29-39.

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The Nobel Prize celebrated option pricing formulas derived by Fischer Black and Myron Scholes for plain vanilla payoffs known as Black-Scholes formulas. They developed these formulas for pricing European call and put options based on certain assumptions in order to minimize risk factor. The underlying asset pays a constant dividend payment during the life of option was one of the assumption to derive these formulas. S. P. Zhu and X. J. He tried and succeed to improve this assumption by taking discrete dividend payments for underlying asset at fixed dividend date. They derived approximate Black

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Zdioruk, Serhiy I. "Socio-religious relations in Ukrainian realities and European Union policy." Ukrainian Religious Studies, no. 50 (March 10, 2009): 21–27. http://dx.doi.org/10.32420/2009.50.2028.

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The problems of the functioning of religion in the countries of the European Union (EU) are extremely complex and ambiguous. The EU is primarily political and economic. It is in these areas that active intra-integration processes are observed: introduction of a single currency, single payment system, actual “blurring” of borders between member states, development of the Constitutional Treaty, orientation towards the creation of a common market, a common transport network, harmonization of educational systems, etc.

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V., Pattammal. "India's Digital Transformation by Optimized Payment Solution – A Bird's Eye View." 'Journal of Research & Development' 14, no. 7 (2023): 117–20. https://doi.org/10.5281/zenodo.7810315.

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          Digital India the flagship innovative program has transformed the Indian banking and financial system by introducing digitalization to the door step of each citizen. Rupay, the national equivalent of credit and debit cards of Visa, Mastercard etc., has been assimilated into banking eco-system where the cost to market and customer is reduced for each transaction. UPI and BHIM enables mobile payments using QR codes and mobile numbers linked to Aadhar, the national identity  number enables banking transactions to be easy, fast, secure an

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SUKHANOV, E. A. "ON THE CIVIL LEGAL NATURE OF “DIGITAL PROPERTY”." Civil Law Review 21, no. 6 (2022): 7–29. http://dx.doi.org/10.24031/1992-2043-2021-21-6-7-29.

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On the basis of the various legal regimes of real, obligation, corporate and intellectual rights historically established in continental European private law, the article substantiates the conventionality of the terms “digital property” (“digital assets”) and “digital rights”, which in reality are not a new type objects of civil (property) turnover, requiring the creation of a special civil law regime, and a technical method of fixing property rights defined by law (mainly obligations and corporate), which is possible only with the help of special computer technologies within known information

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Suyunchaliyeva, Maiya M., Raghav Nautiyal, Aijaz A. Shaikh, and Ravishankar Sharma. "The Use of Mobile Payment Systems in Post-COVID-19 Economic Recovery: Primary Research on an Emerging Market for Experience Goods." Sustainability 13, no. 24 (2021): 13511. http://dx.doi.org/10.3390/su132413511.

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This study investigated whether mobile payment services could drive post-COVID-19 pandemic recovery in the ‘experience goods’ sector (e.g., tourism) utilising Bandura’s self-efficacy or social cognitive theory. It explored the factors influencing the intention to continue using mobile payment services and the intention to recommend these to others. An empirical survey was conducted to assess the study variables, and the data obtained therefrom were analysed using the industry-standard Cross-Industry Standard Process for Data Mining method. The study results suggest that personal innovativeness

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Mykytyn, Taras, Nadiia Khyzhniakova, and Viktoriia Rahulina. "Substantiation of the marketing policy of banks on the basis of statistical analysis of the payment card market." Marketing and Digital Technologies 7, no. 4 (2023): 63–78. http://dx.doi.org/10.15276/mdt.7.4.2023.4.

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The aim of the article. The purposes of this article are to establish the place and role of the analysis of the payment card market in the substantiation of the marketing policy of banks, to analyze the state of the payment card market in Ukraine, to identify existing trends, problems and prospects for development, to suggest ways to solve problems in the field of management and marketing of card products. Analyses results. As a result of the articles: 1) establishment of the place and role of the analysis of the payment card market in the substantiation of the marketing policy of banks; 2) an

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Ungerson, Clare. "Gender, Cash and Informal Care: European Perspectives and Dilemmas." Journal of Social Policy 24, no. 1 (1995): 31–52. http://dx.doi.org/10.1017/s004727940002451x.

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ABSTRACTRecent feminist literature on care has suggested that, conceptually, it is better to dissolve the boundaries between ‘formal’ and ‘informal’ care when analysing care. This article suggests that there are policy developments taking place, both in Britain and in some of the countries of Europe, which are dissolving the boundaries between formal and informal care, particularly as far as payment for care is concerned. It is argued that, in this case, far from benefit systems being a form of ‘decommodification’ they are actually a form of ‘commodification’ of the caring relationship. The ar

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Demetriades, Achilleas, and Alexandros Demetriades. "Using related Legal Systems to secure the Execution of just Satisfaction awarded by the ECtHR." Lexonomica 13, no. 2 (2021): 187–212. http://dx.doi.org/10.18690/lexonomica.13.2.187-212.20212.2021.

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The present article hopes to initiate a discussion concerning alternative methods through which applicants themselves can ensure that recalcitrant respondent States comply with their obligations to execute the judgments of the ECtHR. This may be done by mobilising related legal systems towards this end. This paper focuses on the 'just satisfaction' element of the judgment and examines one possible avenue through which applicants themselves can secure their payment. The relevant course of action has two elements: (i) securing the recognition of the ECtHR's order to pay within the national legal

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Sobolieva-Tereshchenko, Olena, Olesya Moyseyenko, and Valeriia Zharnikova. "The Development and Transformation of the Bank Card Market as an Imperative for Digitalization: the Case of Central and Eastern European Countries." Comparative Economic Research. Central and Eastern Europe 24, no. 4 (2021): 45–67. http://dx.doi.org/10.18778/1508-2008.24.30.

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The purpose of this study is to determine the development trends of the major determinants of the bank card market in eight countries of Central and Eastern Europe in the period from 2010 to 2019. Continuing a study carried out in 2018, further comparative analysis of the “Bank Cards Market Index” proposed earlier and based on a system of interrelated indicators of bank payment cards, ATMs and POS‑terminals, was carried out. We provide an overview of the rankings of Ukraine, Belarus, Moldova, Russia, Romania, Poland, Hungary, Slovakia using international ranking systems such as “The Legatum Pr

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Alshutayri, Areej. "Fraud Prediction in Movie Theater Credit Card Transactions using Machine Learning." Engineering, Technology & Applied Science Research 13, no. 3 (2023): 10941–45. http://dx.doi.org/10.48084/etasr.5950.

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This paper highlights how the proliferation of online transactions, especially those involving the use of credit cards, has resulted in the emergence of new security flaws that pose threats to customers and enterprises worldwide. E-commerce and other forms of online monetary transactions have become essential in the manufacturing and service sectors, propelling the global economy. The widespread and dependent connectivity of mobile payment systems using credit card transactions presents chances for fraud, risk, and security breaches. In light of the importance of accurately predicting fraud in

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Maixé-Altés, Carles, and Estefanía Mourelle. "Toward a cashless society. Cash and non-cash payments in Spain, 1989-2014." Panoeconomicus, no. 00 (2023): 4. http://dx.doi.org/10.2298/pan180213004m.

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This work investigates the relationships between the retail payment system, monetary aggregates and economic activity in Spain from a long-run perspective. This approach is considered from the perspective of the transformations favored by ICT in the payment system, which incorporates increasingly more and more cashless instruments. The methodology used is based on cointegration analysis and error correction models. Likewise, a new indicator of some trends in the implementation of cashless transactions in payment systems is proposed; this measure has been applied to Spain and other European cou

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Apal'kova, V. V. "The concept of the digital economy in the European Union and the prospects of Ukraine." Bulletin of the Dnipropetrovsk University. Series: Management Of Innovations, no. 4 (April 20, 2015): 9–18. https://doi.org/10.15421/191502.

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Global informatization, manifestations of which are characteristic for the past decades, became the basis of the formation of the new model of the economy – digital economy, which became the development strategy of the most developed countries of the world. In Ukraine there is not any consistent tactic of building up a national digital economic business space as yet. Therefore, the purpose of the article was to substantiate theoretically the essence of digital economy and its conceptual reflection in the economic policy of the EU, as well to analyze the status and specific features of the Ukra

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Manchikanti, Laxmaiah. "Physician Payment 2008 for Interventionalists: Current State of Health Care Policy." September 2007 5;10, no. 9;5 (2007): 607–26. http://dx.doi.org/10.36076/ppj.2007/10/607.

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Physicians in the United States have been affected by significant changes in the pattern(s) of medical practice evolving over the last several decades. These changes include new measures to 1) curb increasing costs, 2) increase access to patient care, 3) improve quality of healthcare, and 4) pay for prescription drugs. Escalating healthcare costs have focused concerns about the financial solvency of Medicare and this in turn has fostered a renewed interest in the economic basis of interventional pain management practices. The provision and systemization of healthcare in North America and sever

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Sūdžius, Vytautas, and Vytautas Mackevičius. "A Gap and Damage in the Security of Payment Cards." Business: Theory and Practice 7, no. (3) (2006): 146–49. https://doi.org/10.3846/btp.2006.17.

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In the article the payment card problems are connected with a gap and damage in the security system. The main purpose of the article is to evaluate security level of the payment card system and find its security gap and damage. Tasks of the article are as follows: to evaluate the damage level of the payment card system for the card system members, to measure the payment card security features, security of the work organization and systems, to examine and evaluate the merits and demerits of security models used in European Banks, to propose the solution how to minimize the damage in payment car

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