A future-proof retail payments ecosystem for Europe – the Eurosystem’s retail payments strategy and the role of instant payments therein

Artículo de revista

Detalhes bibliográficos
Autor: Plooij, Mirjam
Formato: artículo
Fecha de publicación:2020
País:España
Recursos:Banco de España
Repositorio:Repositorio Institucional del Banco de España
OAI Identifier:oai:repositorio.bde.es:123456789/14227
Acesso em linha:https://repositorio.bde.es/handle/123456789/14227
Access Level:acceso abierto
Palavra-chave:Comercio
Bancos centrales y otras autoridades monetarias
Sistemas de pago
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spelling A future-proof retail payments ecosystem for Europe – the Eurosystem’s retail payments strategy and the role of instant payments thereinPlooij, MirjamComercioBancos centrales y otras autoridades monetariasSistemas de pagoArtículo de revistaElectronic retail payments are a vital part of the financial infrastructure, as recent experiences during the coronavirus disease 2019 (COVID-19) have underscored. Already existing upward trends in popularity of e-commerce and contactless payments at the point of sale have increased, possibly with a structural impact. Although significant efforts have been made since the inception of the euro to integrate the European retail payments market, some shortcomings still remain. In particular, the landscape of payment solutions for the point-of-sale and e-commerce remains fragmented. National solutions are not interoperable, resulting in a reliance on global solutions based outside Europe for cross-border transactions. To overcome this fragmentation and strengthen the autonomy of the European retail payments market, the Eurosystem supports market initiatives for retail payments that they fulfil five key objectives: pan-European reach, customer friendliness, cost efficiency, safety and security, European identity and governance, and, in the long-run, global reach. Instant payments are well-suited to form the basis for new European solutions. It is therefore essential for instant payment services to become available to all citizens and businesses across Europe. The Eurosystem therefore promotes the further implementation of instant payments, including in its role as payment system operator, through its TARGET Instant Payment Settlement service.Banco de EspañaMadrid : Banco de España, 20202020info:eu-repo/semantics/articleapplication/pdfhttps://repositorio.bde.es/handle/123456789/14227reponame:Repositorio Institucional del Banco de Españainstname:Banco de EspañaInglésRevista de Estabilidad Financiera / Banco de España, 39 (otoño 2020), p. 163-180Otra versión 123456789/14235info:eu-repo/semantics/openAccessoai:repositorio.bde.es:123456789/142272026-06-20T12:44:27Z
dc.title.none.fl_str_mv A future-proof retail payments ecosystem for Europe – the Eurosystem’s retail payments strategy and the role of instant payments therein
title A future-proof retail payments ecosystem for Europe – the Eurosystem’s retail payments strategy and the role of instant payments therein
spellingShingle A future-proof retail payments ecosystem for Europe – the Eurosystem’s retail payments strategy and the role of instant payments therein
Plooij, Mirjam
Comercio
Bancos centrales y otras autoridades monetarias
Sistemas de pago
title_short A future-proof retail payments ecosystem for Europe – the Eurosystem’s retail payments strategy and the role of instant payments therein
title_full A future-proof retail payments ecosystem for Europe – the Eurosystem’s retail payments strategy and the role of instant payments therein
title_fullStr A future-proof retail payments ecosystem for Europe – the Eurosystem’s retail payments strategy and the role of instant payments therein
title_full_unstemmed A future-proof retail payments ecosystem for Europe – the Eurosystem’s retail payments strategy and the role of instant payments therein
title_sort A future-proof retail payments ecosystem for Europe – the Eurosystem’s retail payments strategy and the role of instant payments therein
dc.creator.none.fl_str_mv Plooij, Mirjam
author Plooij, Mirjam
author_facet Plooij, Mirjam
author_role author
dc.subject.none.fl_str_mv Comercio
Bancos centrales y otras autoridades monetarias
Sistemas de pago
topic Comercio
Bancos centrales y otras autoridades monetarias
Sistemas de pago
description Artículo de revista
publishDate 2020
dc.date.none.fl_str_mv 2020
dc.type.none.fl_str_mv info:eu-repo/semantics/article
format article
dc.identifier.none.fl_str_mv https://repositorio.bde.es/handle/123456789/14227
url https://repositorio.bde.es/handle/123456789/14227
dc.language.none.fl_str_mv Inglés
language_invalid_str_mv Inglés
dc.relation.none.fl_str_mv Revista de Estabilidad Financiera / Banco de España, 39 (otoño 2020), p. 163-180
Otra versión 123456789/14235
dc.rights.none.fl_str_mv info:eu-repo/semantics/openAccess
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Banco de España
Madrid : Banco de España, 2020
publisher.none.fl_str_mv Banco de España
Madrid : Banco de España, 2020
dc.source.none.fl_str_mv reponame:Repositorio Institucional del Banco de España
instname:Banco de España
instname_str Banco de España
reponame_str Repositorio Institucional del Banco de España
collection Repositorio Institucional del Banco de España
repository.name.fl_str_mv
repository.mail.fl_str_mv
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score 15,300719

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