Assessment of the efficiency of the european payment system - introducing payment processing

Detalhes bibliográficos
Autor(a) principal: Mota, Ana Alves da
Data de Publicação: 2023
Tipo de documento: Dissertação
Idioma: eng
Título da fonte: Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
Texto Completo: http://hdl.handle.net/10362/154309
Resumo: This research report performs an efficiency analysis of the European digital payment system. Its characterization was performed considering the evolution from cash to digital payments and the inherent risks, drivers of change, and trends. A novel payment system efficiency index is proposed and computed, where efficiency is defined as an optimization of cost, speed, availability, security, and convenience. Comparing with other regions, the EU is generally as efficient as the average benchmark, outperforming in terms of security but underperforming in terms of convenience. Improving instant payments and implementing the Digital Euro will be crucial to overcome the existing efficiency barriers.
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spelling Assessment of the efficiency of the european payment system - introducing payment processingPayment systemDigital paymentsEfficiency of paymentsEuropeDomínio/Área Científica::Ciências Sociais::Economia e GestãoThis research report performs an efficiency analysis of the European digital payment system. Its characterization was performed considering the evolution from cash to digital payments and the inherent risks, drivers of change, and trends. A novel payment system efficiency index is proposed and computed, where efficiency is defined as an optimization of cost, speed, availability, security, and convenience. Comparing with other regions, the EU is generally as efficient as the average benchmark, outperforming in terms of security but underperforming in terms of convenience. Improving instant payments and implementing the Digital Euro will be crucial to overcome the existing efficiency barriers.Batista, CátiaRUNMota, Ana Alves da2023-06-23T13:02:54Z2023-01-102023-01-102023-01-10T00:00:00Zinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisapplication/pdfhttp://hdl.handle.net/10362/154309TID:203311302enginfo:eu-repo/semantics/openAccessreponame:Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)instname:Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informaçãoinstacron:RCAAP2024-03-11T05:36:46Zoai:run.unl.pt:10362/154309Portal AgregadorONGhttps://www.rcaap.pt/oai/openaireopendoar:71602024-03-20T03:55:34.663358Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) - Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informaçãofalse
dc.title.none.fl_str_mv Assessment of the efficiency of the european payment system - introducing payment processing
title Assessment of the efficiency of the european payment system - introducing payment processing
spellingShingle Assessment of the efficiency of the european payment system - introducing payment processing
Mota, Ana Alves da
Payment system
Digital payments
Efficiency of payments
Europe
Domínio/Área Científica::Ciências Sociais::Economia e Gestão
title_short Assessment of the efficiency of the european payment system - introducing payment processing
title_full Assessment of the efficiency of the european payment system - introducing payment processing
title_fullStr Assessment of the efficiency of the european payment system - introducing payment processing
title_full_unstemmed Assessment of the efficiency of the european payment system - introducing payment processing
title_sort Assessment of the efficiency of the european payment system - introducing payment processing
author Mota, Ana Alves da
author_facet Mota, Ana Alves da
author_role author
dc.contributor.none.fl_str_mv Batista, Cátia
RUN
dc.contributor.author.fl_str_mv Mota, Ana Alves da
dc.subject.por.fl_str_mv Payment system
Digital payments
Efficiency of payments
Europe
Domínio/Área Científica::Ciências Sociais::Economia e Gestão
topic Payment system
Digital payments
Efficiency of payments
Europe
Domínio/Área Científica::Ciências Sociais::Economia e Gestão
description This research report performs an efficiency analysis of the European digital payment system. Its characterization was performed considering the evolution from cash to digital payments and the inherent risks, drivers of change, and trends. A novel payment system efficiency index is proposed and computed, where efficiency is defined as an optimization of cost, speed, availability, security, and convenience. Comparing with other regions, the EU is generally as efficient as the average benchmark, outperforming in terms of security but underperforming in terms of convenience. Improving instant payments and implementing the Digital Euro will be crucial to overcome the existing efficiency barriers.
publishDate 2023
dc.date.none.fl_str_mv 2023-06-23T13:02:54Z
2023-01-10
2023-01-10
2023-01-10T00:00:00Z
dc.type.status.fl_str_mv info:eu-repo/semantics/publishedVersion
dc.type.driver.fl_str_mv info:eu-repo/semantics/masterThesis
format masterThesis
status_str publishedVersion
dc.identifier.uri.fl_str_mv http://hdl.handle.net/10362/154309
TID:203311302
url http://hdl.handle.net/10362/154309
identifier_str_mv TID:203311302
dc.language.iso.fl_str_mv eng
language eng
dc.rights.driver.fl_str_mv info:eu-repo/semantics/openAccess
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.source.none.fl_str_mv reponame:Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
instname:Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação
instacron:RCAAP
instname_str Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação
instacron_str RCAAP
institution RCAAP
reponame_str Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
collection Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
repository.name.fl_str_mv Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) - Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação
repository.mail.fl_str_mv
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