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Les moyens de paiement, quelle innovation ?

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  • Jean-Yves Forel

Abstract

After a long period of stability, the payments industry must now deeply change along with the customer expectations in a context of innovation effervescence and increased competition. In order to meet these challenges, innovation is key to drive both added-value and differentiation. With the increasing porosity between physical and digital, only new payment paths can meet the fast-changing needs of consumers and merchants. Banks therefore take several initiatives in order to successfully achieve this mutation. By reshaping their systems and infrastructures, they strive to remain the central players in the payments landscape and avoid the loss of value due to disintermediation. Classification JEL: E42, G20, O33.

Suggested Citation

  • Jean-Yves Forel, 2015. "Les moyens de paiement, quelle innovation ?," Revue d'économie financière, Association d'économie financière, vol. 0(4), pages 93-104.
    • Handle: RePEc:cai:refaef:ecofi_120_0093
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    JEL classification:

    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

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