Regulacje jako determinanta rozwoju innowacji na rynku płatności detalicznych

• Authors: Janina Harasim
• Languages of publication: PL

Abstracts

PL

Artykuł nie zawiera abstraktu w języku polskim

EN

The purpose of this paper is to analyse regulations concerning the retail payment market and to assess how they influence the development of innovations. The analysis proved that despite of the growing number of regulations only a  few of them might be considered as a  direct driver for innovation. Recent experience has shown that the majority of them focuses on payments efficiency, which is supported by innovations.A  part of regulations are proactive eg. support the innovation’s growth, but many of them are introducingonly after certain innovations have been identified, so they can slow down their diffusion. The highest innovation potential is characteristic to the regulations which are visible to the customers and enhance their satisfaction.

Keywords

PL

innowacje płatnicze; regulacje; samoregulacja; płatności detaliczne; instrumenty płatnicze

EN

payment innovations; regulation; self-regulation; retail payments; payment instruments

• Publisher: Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
• Journal: Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
• Year: 2013
• Volume: 47
• Issue: 3

Dates

published

2013

online

2015-07-23

Contributors

author

Janina Harasim

References

• Chakravorti S., Roson R., Platform Competition in Two-Sided Markets: The Case of Payment Networks, Federal Reserve Bank of Chicago, Working Paper Series, No. 9, Chicago 2004.
• Harasim J., Determinanty upowszechniania się innowacji płatniczych, Annales UMCS, sectio H: Oeconomia, vol. 46, z. 4, Uniwersytet Marii Curie-Skłodowskiej, Lublin 2012.
• Innovations in Retail Payments, Report of the Working Group on Innovation in Retail Payments. Committee on Payment and Settlement Systems, Bank for International Settlements, May 2012.
• Oslo Manual. Guidelines for Collecting and Interpreting Innovation Data, 3rd Edition. OECD, Statistical Office of the European Communities, Luxembourg 2005.
• Payment Systems Worldwide – a  Snaphot. Outcomes of the Global Payment Systems Survey 2010, The World Bank 2011.
• World Payment Report 2012, Capgemini, RBS, Efma.
• Zielona księga. W  kierunku zintegrowanego europejskiego rynku płatności realizowanych przy pomocy kart płatniczych, przez Internet i  za pośrednictwem urządzeń przenośnych, Komisja Europejska, KOM(2011) 941 wersja ostateczna. Bruksela, 11.1.2012.

Identifiers

DOI

10.17951/h.2013.47.3.219