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The Role And The Implications Of Retail Payment Innovations For The European Banking System

Author

Listed:
  • Alina Camelia Şargu

    („Alexandru Ioan Cuza” University, Iaşi)

  • Angela Roman

    („Alexandru Ioan Cuza” University, Iaşi)

Abstract

The retail payment services represent a key component of any European commercial bank operations, alongside other components like savings and deposits, consumer credit loans and mortgages. Taking into account the recent turmoil that has characterised the financial landscape of the European Union, it becomes interesting to investigate the role and the implications that the development and the modernization of retail payments has on the European banking system. The aim of this paper is to better understand current developments in European retail payment services by using a literature review in order to establish the current state of the researches undertaken in this field and to identify possible future trends regarding the innovation and development of these services using an empirical analysis.

Suggested Citation

  • Alina Camelia Şargu & Angela Roman, 2011. "The Role And The Implications Of Retail Payment Innovations For The European Banking System," Theoretical and Applied Economics, Asociatia Generala a Economistilor din Romania - AGER, vol. 5(5(558)(su), pages 682-689, July.
    • Handle: RePEc:agr:journl:v:5(558)(supplement):y:2011:i:5(558)(supplement):p:682-689
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