- About
-
The Global ETD Search service is a free service for researchers
to find electronic theses and dissertations. This service is
provided by the
Networked Digital Library of Theses and Dissertations.
Our metadata is collected from universities around the world. If you manage a university/consortium/country archive and want to be added, details can be found on the NDLTD website.
Search results
Showing 11 to 20 of 20 (0.071 seconds)| 11 |
Konkurrensen för de svenska storbankerna : på betaltjänstmarknaden efterimplementeringen av PSD2 / Competition for the Swedish major banks : in the payment service market after the implementationof PSD2Andersson, Hanna, Melander, Louise January 2018 (has links)
Titel: Konkurrensen för de svenska storbankerna på betaltjänstmarknaden efterimplementeringen av PSD2. Bakgrund: Utvecklingen inom betaltjänster har under de senaste åren gått fort fram. Enligt Europeiska Kommissionen har utvecklingen krävt en mer uppdaterad lagstiftning. Betaltjänstdirektivet implementerades i Svensk Lag i maj 2018. PSD2 huvudsakliga syfte är att främja konkurrens samt säkra betalningar och informationsdelning. Problematisering: Hur kommer konkurrensen på betaltjänstmarknaden för de svenskastorbankerna att förändras efter implementeringen av PSD2? Syfte: Uppsatsens syfte är att leda till en djupare förståelse och diskussion för hur PSD2kommer att påverka den svenska betaltjänstmarknaden ur ett konkurrensperspektiv. Metod: Uppsatsen är byggd utifrån en kunskapsgrund bestående av teorier inom ämnet samtav en kvalitativ metod bestående av semistrukturerade intervjuer. Uppsatsen är begränsad tillatt analysera den svenska betaltjänstmarknaden samt de svenska storbankerna. Slutsats: PSD2 kommer att öka konkurrensen för betaltjänster för de svenska storbankerna.Vilken konkurrensposition de olika bankerna kommer att ha kommer främst att bero påbankens val av strategi och samarbetspartners, men även hur konkurrerande aktörer agerar. Nyckelord: PSD2, fintech, Nyinstitutionell teori, Operationella strategier, betaltjänster,konkurrens / Title: Competition for the Swedish major banks in the payment service market after theimplementation of PSD2. Background: The development of payment services has accelerated in recent years. According to the European Commission, the development has increased the need for a moreupdated legislation. The Payment Services Directive was implemented in Swedish Law inMay 2018. The main objective of PSD2 is to promote competition and secure payments andinformation sharing. Problem: How will the competition in the payment service market for the Swedish majorbanks change after the implementation of PSD2? Purpose: The purpose of this essay is to develop a deeper understanding and discussion ofhow PSD2 will impact the Swedish payment service. Method: The essay is based on existing theories in the subject field and a qualitative methodconsisting of semi-structured interviews. The essay is limited to analysing the Swedishpayment service market and the Swedish major banks. Conclusion: PSD2 will increase the competition for provision of payment services for theSwedish major banks. The competitive position in the payment market of the Swedish majorbanks will primarily rely on a bank’s choice of strategy and partners, but also on howcompeting actors will act. Keyword: PSD2, fintech, New-institutional theory, Operational strategies, Payment services, Competition
|
| 12 |
Особенности электронной коммерции в сфере платежного сервиса (на примере НКО «Премиум» (ООО)) : магистерская диссертация / Features of e-commerce in the payment service field (on the example of NGO "Premium" LLC)Земляницина, Н. В., Zеmlyanicina, N. V. January 2019 (has links)
В магистерской диссертации сформулированы вероятные перспективы развития электронной коммерции в сфере платежного сервиса. Исходя из актуальной проблематики транзакций российских компаний, даны рекомендации по модернизации бизнес-процессов е-коммерции. / The master's thesis formulated the likely prospects for the development of e-Commerce in the field of payment service. Based on the actual problems of transactions of Russian companies, recommendations for the modernization of e-Commerce business processes are given.
|
| 13 |
PSD2 and its implications for consumer behaviour : - A case study focused on the Swedish financial service sector / PSD2 och dess konsekvenser för konsumentbeteenden : - En fallstudie med fokus på Sveriges finanstjänstesektorSTÅLNACKE, SARA January 2018 (has links)
This thesis examines and provides insight into the financial services industry and how the new payment services directive, PSD2, may come to change consumer behaviour and thereby the industry. The research is exploratory and relies on a quantitative consumer-facing survey as well as four semi-structured interviews with representatives from some of Sweden's largest banks and third party payment providers. The results show that it is likely that the increased competition will open up the market for new actors in the market acting as financial marketplaces thereby leading to minimising the tradeoff between simplicity and multiple providers. As such, in the future we will likely see less consumer loyalty and more focus on the individual products and services as opposed to who is providing them. / Detta examensarbete undersöker och ämnar att bidra med insikt i den svenska finanstjänstesektorn och hur det nya betaltjänstdirektivet, PSD2, kan komma att förändra konsumentbeteenden och därmed branschen. Arbetet är explorativt och utgår från en enkät riktad till konsumenter samt fyra stycken semi-strukturerade intervjuer med representanter från några av Sveriges största banker och tredjepartsaktörer. Resultaten visar att det är sannolikt att ökad konkurrens kommer att öppna upp marknaden för nya aktörer att verka som finansiella marknadsplatser vilket minimerar kompromissen av att välja mellan enkelhet och flertalet leverantörer. Följaktligen kommer vi sannolikt se mindre konsumentlojalitet och mer fokus på de individuella produkterna och tjänsterna snarare än leverantör.
|
| 14 |
Platební služby a jejich právní regulace / Payment services and their legal regulationPártl, Jakub January 2013 (has links)
The diploma thesis "The Payment services and their legal regulation" deals with payment services, their definition and description of the legislation. Furthermore it treats payment services contract and focuses further on payment transactions (transfer of funds), in particular payment orders and their requirements. The aim of the paper is analysis of various payment services and related institutions, including a short presentation of persons authorized to provide a payment service. The paper itself consists of introduction, three chapters and conclusion. The author presents the topic and his motives along with short example of literature in the introduction. First chapter deals with a theoretical introduction to the topic and explains key concepts and relations, including specific notion of payment (contact). Furthermore, the first chapter includes description of the persons authorized to provide payment services and introduces legislation dealing with payment services, including European legislation and its comparison with the preceding regulation covering payments. In the second part, the author presents, defines and describes the various payment services, including examples. Also so-called negative list of payment services, as results from the Payment Act, is presented. The second chapter also...
|
| 15 |
La sécurisation du marché des services de paiement / The security of payment services marketDiop, Mame Mariama 17 September 2015 (has links)
La transposition de la directive relative aux services de paiement du 13 novembre2007 en droit français est à l’origine de la création d’une nouvelle catégorie d’acteurs bancaires : l’établissement de paiement. La fourniture de services de paiement cesse ainsi d’être du domaine exclusif des établissements de crédit pour devenir l’activité principale des établissements de paiement. S’il est vrai que cette nouvelle répartition des activités bancaires ébranle le monopole bancaire, elle n’y met cependant pas fin. Pour une meilleure lisibilité et un contrôle plus efficace des acteurs, il est proposé une mutation du système bancaire grâce à d’une part une scission complète des activités bancaires, et d’autre part une indépendance des établissements de paiement face aux établissements de crédit. La sécurisation du marché des paiements dépend également de l’encadrement des opérations de paiement. La préservation de la confiance du consommateur est essentielle au bon fonctionnement du marché des services de paiement. / The transposition into French law of the Payment Services Directive of 13November 2007 led to the creation of a new category of players in the banking sector: the payment institution. The provision of payment services is no longer the sole domain of credit institutions but becomes the main activity of payment institutions. Although this new distribution of banking activities undermines thebanking monopoly, it does not terminate it. For a better legibility of the bankingsystem and a more efficient control of banking institutions, it is proposed amutation of the banking system through on the one hand, a complete separation of banking activities, and on the other hand payment institutions independence from credit institutions. Securing the payments services market also depends on the supervision of payment transactions. Preserving consumer’s trust is essential to awell-functioning payment services market.
|
| 16 |
Elektronické platební systémy / Electronic payment systemsSaparov, Pavel January 2011 (has links)
The goal of the thesis is to analyze chosen electronic payment systems. The thesis is divided into two parts -- theoretical and practical. Theoretical part is dedicated to cover types of electronic payment system. Also is devoted to the issues of certain legal aspects that are common to all payment systems; defines the necessary concepts and business entities commonly encountered in the payment processing environment. Practical part focuses on the evaluation of usability, safety and usefulness for merchants mainly working with credit cards and particularly with alternative payment system like PayPal, iDEAL, Sofortbanking and Webmoney. Consider the advantages and disadvantages of certain payment systems. Describes the practical applicability of PCI DSS and 3-D Secure protocol.
|
| 17 |
Betaltjänstdirektivets inverkan på svensk rätt och dess processuella och institutionella autonomiZenunovic, Alma January 2013 (has links)
Denna magisteruppsats i offentlig rätt är ämnad att behandla implementeringen av direktivet om betaltjänster på den inre marknaden i svensk rätt. Betaltjänstdirektivet är väsentlig vid inrättande av den inre marknaden inom EU:s medlemsstater, då alla inre gränser skall avlägsnas för att möjliggöra fri rörlighet för varor, personer, tjänster och kapital; i det sammanhanget blir det viktigt med en modern och konsekvent rättslig ram för betaltjänster på EU-nivå. Uppsatsen syftar till att undersöka implementeringen av de processuella och materiella bestämmelser i betaltjänstdirektivet som knyter an till principen om god förvaltning och därtill medlemsstaternas processuella och institutionella autonomi. Till de frågor som analyseras hör tolkning av begreppet god förvaltning och hur de utvalda principerna kan identifieras i svensk rätt genom implementeringen av direktivet. God förvaltning i denna uppsats förstås i vid mening som ett begrepp motsvarande vad enskilda har rätt att förvänta sig av det berörda förvaltningsorganet vid handläggning av ett enskilt ärende. Uppsatsen har visat att direktivet innehåller ett flertal bestämmelser som knyter an till principen om god förvaltning och som reglerar hur svenska myndigheter skall handlägga ärenden inom direktivets tillämpningsområde. Uppsatsen har också kunnat påvisa en tydlig påverkan på Sveriges processuella och institutionella autonomi.
|
| 18 |
PSD2 - A Catalyst for the Future of Retail Banking : Banks’ strategies to reach a competitive advantage from PSD2 in Sweden / Andra Betaltjänstdirektivet - En katalysator för Framtidens Bank : Bankernas strategier för att nå en konkurrensfördel från PSD2 i SverigeBRODERICK, MARTIN, PALM, RASMUS January 2018 (has links)
The new EU regulation, revised payment services directive (PSD2), will change how the retail banking market works today. It will obligate banks, with the consumer’s consent, to provide access to account information and thus open up the market for new actors. This study aims to provide an understanding of the effects PSD2 will have on the retail banking market in Sweden and how the banks will act to cope with the changes it entails. There is a lack of academic articles on PSD2, and the reports that do exist are to the greater extent published by consultants. Hence, this report seeks to bridge that gap by exploring banks from a strategic point of view, taking a starting point in the theory of competitive advantage and open innovation, in order to analyse different banks’ strategies that they are considering when PSD2 is enforced. This will be a cornerstone for understanding the future development of the Swedish retail banking market. To gain in-depth knowledge about the banks’ strategies to cope with PSD2, a case study has been made where 10 semi-structured interviews have been conducted with 10 different banks operating in Sweden - this represents the greater majority of all banks in the Swedish retail banking market. From the empirical findings in this report, it is clear that very few banks consider that only complying to PSD2 is a good strategic alternative. Instead, most banks see greater business opportunities in PSD2 and from this study it is evident that the market is heading towards an open banking approach. However, the path towards open banking differs between banks. All banks will focus on becoming compliant but due to differences in size, capabilities and resources, the banks try to differentiate themselves through different approaches. Some banks will attempt an open banking approach immediately, while others will start by becoming a producer of services and from there decide whether or not to move into open banking. What has been made crystal clear from the analysis of the empirical findings, is that no banks will start off by becoming a distributor of more advanced customer data to third parties. / Den nya EU-regleringen, andra betaltjänstdirektivet (PSD2), kommer att förändra hur bankmarknade fungerar idag. Det kommer att förplikta banker, med konsumentens samtycke, att ge tillgång till kontoinformation och därmed öppna marknaden för nya aktörer. Denna studie syftar till att ge en förståelse för de effekter som PSD2 kommer att ha på bankmarknaden i Sverige och hur bankerna kommer att agera för att klara de förändringar som medförs. Det finns få akademiska artiklar om PSD2, och rapporterna som finns är i större utsträckning publicerad av konsulter. Därför syftar denna rapport till att bidra med en akademisk rapport som utforskar banker från en strategisk synvinkel, med utgångspunkt i teorin om konkurrensfördelar och öppen innovation, för att analysera bankernas strategier för att möta PSD2. Detta kommer att vara grunden för att få en förståelse av den framtida utvecklingen av den svenska bankmarknaden. För att få en djupare förståelse av bankernas strategier för att möta PSD2 har en fallstudie gjorts där 10 halvstrukturerade intervjuer har genomförts med 10 olika banker som är verksamma i Sverige - det motsvarar större delen av marknadsandelen på den svenska bankmarknaden. Från de empiriska resultaten i denna rapport är det uppenbart att väldigt få banker anser att endast följa PSD2 är ett bra strategiskt alternativ. I stället ser de flesta banker större affärsmöjligheter i PSD2 och från denna studie är det uppenbart att marknaden är på väg mot “open banking”. Vägen mot “open banking” skiljer sig mellan bankerna. Alla banker kommer att fokusera på att bli kompatibla men på grund av skillnader i storlek, kapacitet och resurser försöker bankerna skilja sig genom olika metoder. Vissa banker kommer omedelbart att ta sig an “open banking”, medan andra börjar med att bli en producent av tjänster och därmed bestämma huruvida de ska gå in i “open banking” eller inte. Vad som har tydliggjorts från analysen av de empiriska resultaten är att inga banker kommer att börja med att bli distributör av mer avancerade APIer till tredje parter.
|
| 19 |
Legal and regulatory aspects of mobile financial servicesPerlman, Leon Joseph 11 1900 (has links)
The thesis deals with the emergence of bank and non-bank entities that provide a range of unique
transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked,
underserved and underbanked persons via mobile phones.
Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and
independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’
services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’
services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services
are provided through ‘agents.’
Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a
Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile
‘airtime’-based Store of Value.
The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed,
in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and
consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that
entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the
traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric
MFS rises to the ‘business of banking.’
An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is
undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be
deemed ‘money’ in law.
Consumer protection for MFS and payments generally through current statute, contract, and payment law
and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in
South African law is discussed.
The legal and regulatory regimes in the European Union, Kenya and the United States of America are
compared with South Africa. The need for a coordinated payments-specific law that has consumer
protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a
regulator for retail payments is recommended. The use of trust companies and trust accounts is
recommended for protection of user funds.
| vi / Public, Constitutional and International Law / LLD
|
| 20 |
Legal and regulatory aspects of mobile financial servicesPerlman, Leon Joseph 11 1900 (has links)
The thesis deals with the emergence of bank and non-bank entities that provide a range of unique
transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked,
underserved and underbanked persons via mobile phones.
Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and
independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’
services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’
services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services
are provided through ‘agents.’
Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a
Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile
‘airtime’-based Store of Value.
The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed,
in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and
consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that
entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the
traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric
MFS rises to the ‘business of banking.’
An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is
undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be
deemed ‘money’ in law.
Consumer protection for MFS and payments generally through current statute, contract, and payment law
and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in
South African law is discussed.
The legal and regulatory regimes in the European Union, Kenya and the United States of America are
compared with South Africa. The need for a coordinated payments-specific law that has consumer
protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a
regulator for retail payments is recommended. The use of trust companies and trust accounts is
recommended for protection of user funds.
| vi / Public, Constitutional and International Law / LL. D.
|
Page generated in 0.0845 seconds