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Business models in a consolidated and converging payments world

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  • Pratz, Andreas

Abstract

The payments business is undergoing a significant transformation: markets are integrating regionally across Europe; processors are consolidating scale; bulk and urgent payments are converging; regulators are questioning the traditional economic framework; and retailers and mobile operators are on the verge of becoming payment service providers. These developments in the European payments landscape could become the inflection point for a payments end-game beyond Europe. This paper examines the forces shaping the payments landscape, analyses the building blocks of the emerging end-game, and examines five successful business models to enable payment institutions to be in position for this outcome.

Suggested Citation

  • Pratz, Andreas, 2009. "Business models in a consolidated and converging payments world," Journal of Payments Strategy & Systems, Henry Stewart Publications, vol. 3(3), pages 194-203, August.
    • Handle: RePEc:aza:jpss00:y:2009:v:3:i:3:p:194-203
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    More about this item

    Keywords

    payments strategy; payment volumes; business models; SEPA and PSD; cards; cash displacement; financial supply chain management;
    All these keywords.

    JEL classification:

    • G2 - Financial Economics - - Financial Institutions and Services
    • E5 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit

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