Assessment of the efficiency of the european payment system - introducing the drivers of change

Detalhes bibliográficos
Autor(a) principal: Melo, Maria Inês Afonso Freire Cerveira de
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/10362/155638
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 the drivers of changePayment 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, CátiaRUNMelo, Maria Inês Afonso Freire Cerveira de2023-07-21T13:28:11Z2023-01-102023-01-192023-01-10T00:00:00Zinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisapplication/pdfhttp://hdl.handle.net/10362/155638TID:203311310enginfo: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:RCAAP2024-03-11T05:38:17Zoai:run.unl.pt:10362/155638Portal AgregadorONGhttps://www.rcaap.pt/oai/openaireopendoar:71602024-03-20T03:56:10.415940Repositório 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 the drivers of change
title Assessment of the efficiency of the european payment system - introducing the drivers of change
spellingShingle Assessment of the efficiency of the european payment system - introducing the drivers of change
Melo, Maria Inês Afonso Freire Cerveira de
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 the drivers of change
title_full Assessment of the efficiency of the european payment system - introducing the drivers of change
title_fullStr Assessment of the efficiency of the european payment system - introducing the drivers of change
title_full_unstemmed Assessment of the efficiency of the european payment system - introducing the drivers of change
title_sort Assessment of the efficiency of the european payment system - introducing the drivers of change
author Melo, Maria Inês Afonso Freire Cerveira de
author_facet Melo, Maria Inês Afonso Freire Cerveira de
author_role author
dc.contributor.none.fl_str_mv Batista, Cátia
RUN
dc.contributor.author.fl_str_mv Melo, Maria Inês Afonso Freire Cerveira de
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 2023-07-21T13:28:11Z
2023-01-10
2023-01-19
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/10362/155638
TID:203311310
url http://hdl.handle.net/10362/155638
identifier_str_mv TID:203311310
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
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