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

Bibliographic Details
Main Author: Melo, Maria Inês Afonso Freire Cerveira de
Publication Date: 2023
Format: Master thesis
Language: eng
Source: Repositórios Científicos de Acesso Aberto de Portugal (RCAAP)
Download full: http://hdl.handle.net/10362/155638
Summary: 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:Repositórios Científicos de Acesso Aberto de Portugal (RCAAP)instname:FCCN, serviços digitais da FCT – Fundação para a Ciência e a Tecnologiainstacron:RCAAP2024-05-22T18:13:14Zoai:run.unl.pt:10362/155638Portal AgregadorONGhttps://www.rcaap.pt/oai/openaireinfo@rcaap.ptopendoar:https://opendoar.ac.uk/repository/71602025-05-28T17:43:47.179837Repositórios Científicos de Acesso Aberto de Portugal (RCAAP) - FCCN, serviços digitais da FCT – Fundação para a Ciência e a Tecnologiafalse
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:Repositórios Científicos de Acesso Aberto de Portugal (RCAAP)
instname:FCCN, serviços digitais da FCT – Fundação para a Ciência e a Tecnologia
instacron:RCAAP
instname_str FCCN, serviços digitais da FCT – Fundação para a Ciência e a Tecnologia
instacron_str RCAAP
institution RCAAP
reponame_str Repositórios Científicos de Acesso Aberto de Portugal (RCAAP)
collection Repositórios Científicos de Acesso Aberto de Portugal (RCAAP)
repository.name.fl_str_mv Repositórios Científicos de Acesso Aberto de Portugal (RCAAP) - FCCN, serviços digitais da FCT – Fundação para a Ciência e a Tecnologia
repository.mail.fl_str_mv info@rcaap.pt
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