Full-text resources of CEJSH and other databases are now available in the new Library of Science.
Visit https://bibliotekanauki.pl

Results found: 4

first rewind previous Page / 1 next fast forward last

Search results

Search:
in the keywords:  SEPA
help Sort By:

help Limit search:
first rewind previous Page / 1 next fast forward last
1

Usługi płatnicze banków – polecenia przelewu

100%
Marciniak-Neider D.
International Business and Global Economy
|
2014
|
vol. Volume 33
352–362
EN
The purpose of this paper is to present the conditions of realizing of credit transfers in European Union and fast credit transfers – Express ELIXIR – in Poland. This article presents main rules of Payment Services Directive (PSD) which was implemented to Polish law in 2011, benefits for bank customers regarding the transparency of conditions for cross-border in European Economic Area and internal credit transfers, and the maximum time taken to execute these transfers. It also presents the analysis of the innovative bank’s payment services in Poland – real-time credit transfer service called Express ELIXIR. This system was introduced in June 2012 by The National Clearing House (KIR). By March 2014 eight banks in Poland were offering this service. The main conclusions are as follows: Single European Payment Area – self-regulation of banking sector, European Union directives and regulations introduced in 1997–2014 – have ensured transparency for consumers and fee and execution time reduction of credit transfers in European Economic Area. In Poland, KIR has been systematically developing its services. In 2012 it has introduced Express ELIXIR – the system which enables clearing immediate payments. Research method applied include the analysis of scientific papers, European legislation, and statistical data.
2
Publication available in full text mode
Content available

Koncepcja krajowej instytucji pieniądza elektronicznego wspierającej zadania Zakładu Ubezpieczeń Społecznych

89%
Górka J.
Ubezpieczenia Społeczne. Teoria i praktyka
|
2016
|
issue 1
15-55
PL
W artykule przedstawiono koncepcję krajowej instytucji pieniądza elektronicznego, która mogłaby wspierać zadania Zakładu Ubezpieczeń Społecznych (ZUS) w zakresie płatności. ZUS dzięki działalności podległej instytucji powinien osiągnąć następujące efekty: – zaoferowanie świadczeniobiorcom korzyści społecznych (zmniejszenie skali wykluczenia finansowego) i stricte finansowych, które przejawią się m.in. w większej funkcjonalności legitymacji emeryta i rencisty (funkcja bezgotówkowego instrumentu płatniczego) i możliwości skorzystania z podstawowych usług płatniczych w ramach elektronicznej portmonetki, – retencja środków pieniężnych w ZUS i efektywniejsze zarządzanie przepływem strumieni finansowych, skutkujące oszczędnościami w funkcjonowaniu ZUS oraz pośrednimi dochodami odsetkowymi i kapitałowymi, – zmniejszenie kosztów obsługi gotówkowej ZUS (szacowanych na ok. 200 mln zł rocznie), – promocja obrotu bezgotówkowego i􀁢wspieranie w tym zakresie Narodowego Banku Polskiego (NBP) oraz Koalicji na Rzecz Obrotu Bezgotówkowego i Mikropłatności, – zapewnienie zgodności z wymogami SEPA (Jednolitego Obszaru Płatności w Euro), – wspieranie działalności rządu, Ministerstwa Rodziny, Pracy i Polityki Społecznej, Ministerstwa Rozwoju i Ministerstwa Finansów w tworzeniu transparentnego systemu finansowego przyjaznego obywatelom i przynoszącego korzyści finansowe państwu.
EN
In the article presented is the concept of a domestic electronic money institution, which could support tasks of the Social Insurance Institution (ZUS) in the scope of payments. ZUS by the activity of a subordinated institution should achieve the following aims: – offering social benefits (reduced scale of financial exclusion) and purely financial to the beneficiaries, that will manifest themselves, among others, in the greater functionality of pensioner legitimacy (the function of a cashless payment instrument) and possible access to basic payment services via the electronic purse, – retention of liquidity in ZUS and more efficient management of the financial flows, resulting in savings in the operation of social security and indirect interest and capital incomes, – reducing the cost of cash services in ZUS (estimated at approx. 200 million PLN per year), – promotion of cashless transactions and supporting the Polish central bank (NBP) and the Coalition for Cashless Transactions and Micropayments in this scope, – ensuring compliance with the SEPA requirements (Single Euro Payments Area), – supporting the activities of the government, the Ministry of Family, Labour and Social Policy, Ministry of Development and the Ministry of Finance in the creation of a transparent financial system, which is citizen-friendly and which bring financial benefi ts to the state.
3

The issue of crimes committed with some electronic payment devices

88%
Cieśla R.
Nowa kodyfikacja prawa karnego
|
2016
|
vol. 42
27-40
EN
It is acommonplace that the internet is one of the most powerful tools at the dis­posal of contemporary societies; it is also one of the most dynamically developing ways of information transfer. Access to information is the most important and desirable aim of human aspirations. The internet is still developing very dynamically, thus defying any efforts at determining the limits of its advancement; it creates infinite opportunities in various areas, while its great potential affects all aspects of human existence. For years the internet has also been the medium for financial transactions involving electronically regulated cash flow. Many of these transactions are carried out with the use of payment cards, which for many people constitute anobvious alternative to traditional transactions involving cash. The history of payment cards elsewhere in the world goes back to the beginning of the previous century, but in Poland they came into use much later, i.e. in the mid-1990s. The development of the internet, and especially the speed of data transfer which it offers, have greatly facilitated the transactions involving payment cards. This fact poses aquestion concerning the security of such transactions. The popular and universal character of online payments, not necessarily with the use of payment cards, resulted in the emergence of crime involving identity theft and conducting illegal transactions.
4
Content available remote

Integracja rynku finansowego w ramach Unii Europejskiej

63%
Mikita M.
Myśl Ekonomiczna i Polityczna
|
2010
|
issue 3(30)
30-43
EN
The aim of the article is to present the process of financial market integration within the European Union and its assessment. The article explains the concept of financial integration and presents steps taken by the European Union in order to integrate the financial market and the level of that integration, and also indicates challenges that the European Union must meet to further integrate its financial market. The analysis that was carried out lets the author state that the attempts to create a uniform financial market within the European Union have been unsuccessful so far. Nevertheless, the steps taken by the European Union, i.e. the implementation of FSAP, the introduction of the euro, common financial policy, TARGET or SEPA, greatly contributed to the increase of the level of the EU financial market integration. The development of the integration can be especially seen on the wholesale financial services market. Retail market keeps being poorly integrated. The 21st century financial crisis clearly showed that the process of integration requires an introduction of some changes which mainly regard the issues of financial market supervision.
first rewind previous Page / 1 next fast forward last
JavaScript is turned off in your web browser. Turn it on to take full advantage of this site, then refresh the page.