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Description: Journal of Payments Strategy & Systems publishes peer-reviewed articles and case studies analysing market developments, best practice, emerging issues and new thinking in how to develop a profitable, customer-focused payments strategy. Subjects covered include: payments markets; payments product management; new entrants in the payments market; open banking; payments methods; mobile and e-payments; payments with e-currencies (CBDC and non-fiat); new payment technologies; value-added services; identity and authentication services; settlement methods; central bank settlement services; corporate payments and treasury management; online payments for web merchants; cash, currency and liquidity management; e-invoicing; payment processing ; correspondent banking; payment risk management; fraud management; security management; AML-CFT management; regulation.
Series handle: RePEc:aza:jpss00
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Content
December 2025, Volume 19, Issue 4
- 324-327 Editorial
by Boudewijn, Gijs
- 328-344 Strategies to govern the imperative of artificial intelligence in payment systems : Integrating trust, security and European regulatory compliance
by Trifiletti, Michele
- 345-355 Implementing the digital yuan in global trade payments : A strategic framework for central bank digital currency integration
by Singh, Gagandeep & Singh, Avtar & Walia, Jasdeep Singh
- 356-363 Effectiveness of fraud interventions : Combining systemic and individual interventions
by De Ruijter, Martijn
- 364-382 Making the case for real-time payments in CARICOM: Evidence from Jamaica’s economic impact study
by Balakrishnan, Mahadevan
- 383-392 It is time to build robust cross-industry anti-fraud and scam capabilities
by Musciotto, Federico & Neri, Matteo & Soramäki, Kimmo
- 393-409 The stack as policy: Rethinking financial infrastructure governance in the age of global instant payments
by Feiler, Thomas
- 410-426 Public crypto networks as financial market infrastructures
by Bindseil, Ulrich & Malekan, Omid
- 427-428 The Past and Future of Money: New Technologies and Economic Risks
by Hartsink, Gerard
September 2025, Volume 19, Issue 3
- 200-202 Editorial
by Boudewijn, Gijs
- 203-216 The impact of new regulatory initiatives on payments
by Josyula, Hari Prasad
- 217-233 Rewriting the geography of money: A three-pillar framework for programmable liquidity
by Maloba, Henry
- 234-246 Why cash alone won’t cut it: Practical strategies to increase resilience in European payment infrastructure
by Birch, David G. W. & Grosclaude, Lionel
- 247-265 A non-custodial wallet for digital currency: Design challenges and opportunities
by Bizama, Gabriel R. & Goodell, Geoffrey & Speed, Chris & Revans, Joe & Bowler, Ryan David
- 266-276 Enabling payment initiation services in e-commerce
by Lajara, Kristina
- 277-290 Boosting competitiveness in EU retail payments : A strategic policy agenda
by Arnal, Judith & Andersson, Fredrik & Pozo, Beatriz
- 291-308 Combinatorial innovation: Unpacking the genius of India’s Unified Payments Interface
by Mahadevan, Balakrishnan & Srinivasan, R.
- 309-318 The payments industry in Canada
by Yun, Stephen & Monckton, Gillian & Brown, Peter
- 319-320 The evolution of money and payments: From commodity to digital
by Hartsink, Gerard
June 2025, Volume 19, Issue 2
- 100-102 Editorial
by Hartsink, Gerard
- 103-113 A retrospective: Looking back at ‘A Vision for the Future of Cross-border Payments’
by Bruno, Philip & Denecker, Olivier & Leibbrandt, Gottfried
- 114-123 Bank-led innovation: The expansion of the Zelle network in the US — key drivers, market impact and future outlook
by Maniyar, Vidit
- 124-132 Strategic liquidity management: Driving financial flexibility with modern payment solutions
by Gutta, Sunny
- 133-153 A framework for digital currencies for financial inclusion in Latin America and the Caribbean
by Bizama, Gabriel R. & Paniagua, Bernardo & Wu, Alex & Mitre, Max
- 154-169 Design and implementation of Peru’s retail central bank digital currency pilot
by Vega, Milton & Sánchez, Elmer & Andía, Arturo
- 170-184 The Brazilian payments landscape : Regulation, recent developments, and challenges
by Lobo, Breno & Mourão, Ricardo & Duarte, Angelo
- 185-196 The payments industry in Colombia : Status and future developments
by Bernal-Ramirez, Joaquín F. & Arango-Arango, Carlos A. & Duarte-Carreño, Andrea M. & Martínez-Herrera, Estela
March 2025, Volume 19, Issue 1
- 4-7 Editorial
by Hartsink, Gerard
- 8-18 Bringing European retailer reality to the payments conversation
by Faas, Atze
- 19-26 Integrating payment transaction data, direct from source : Opportunities and limitations for large merchants
by Langsford, Sam
- 27-41 The strategic importance of payment data for merchants in the fuel retail industry
by Lambrechts, Peter
- 42-53 Strengthening the core: What is next in banking to combat fraud?
by Van Rijn, Mats
- 54-62 The role of instant payments and central bank digital currencies in transforming merchant cash management
by Maniyar, Vidit
- 63-71 From theory to reality: The varied and often unintended consequences of card payment surcharging
by Milosavljević, Maja
- 72-84 Agentic commerce and payments : Exploring the implications of robots paying robots
by Birch, David G. W. & Gamble, Debbie
- 85-93 From cash to gigabytes: The European evolution in payment technology from a merchant perspective
by Huizinga, Gert
December 2024, Volume 18, Issue 4
- 324-326 Editorial
by Hartsink, Gerard
- 327-341 The future of European payments: Faster, cheaper, more digital and more European; with no one left behind
by Van Praag, Emanuel
- 342-356 Can paying become too easy? Questions regarding frictionless payments at the crossroads of public policy objectives
by Naudts, Ellen & Eijlander, Jorgen
- 357-365 The importance of data management for the payments industry
by Bottega, John
- 366-380 The design and adoption of fast payments
by Aurazo, José & Franco, Cecilia & Frost, Jon & Koo Wilkens, Priscilla & Kosse, Anneke & Shreeti, Vatsala & Velásquez, Carolina
- 381-394 A conceptual model for point-of-sale payment with retail central bank digital currency
by Hupel, Lars
- 395-405 Introducing a framework for measuring the quantitative benefits of privacy enhancing technologies
by Isaacson, Ken
- 406-417 The SEPA Payment Account Access scheme is driving ‘open banking’ in the EU beyond the revised Payments Services Directive
by Godefroi, Christophe & Pranger, Niels
September 2024, Volume 18, Issue 3
- 208-212 Editorial
by Hartsink, Gerard
- 213-229 Navigating the data economy : Key considerations for decision makers in banking
by Cortet, Mounaim & Lycklama, Douwe & Groen, Pepijn
- 230-238 Clarifying to whom, where, and when payments are made : Recommendations from the ERPB Working Group on Transparency for Retail Payment End Users
by Bruggink, Diederik
- 239-252 Harmonising data standards for cross-border trade documents and cross-border payments to enable further digitisation of the financial and physical business processes of international trade
by Hartsink, Gerard
- 253-260 The power of data: Transforming compliance with anti-money laundering measures in domestic and cross-border payments
by Rozman, Alexander G.
- 261-275 Harnessing synthetic data to address fraud in cross-border payments
by Bryssinck, Johan & Jacobs, Tom & Simini, Filippo & Doddasomayajula, Ravi & Koder, Martin & Curbera, Francisco & Vishwanath, Venkatram & Neti, Chalapathy
- 276-281 The application of non-Latin language data in traditional cross-border payments : A discussion
by Zhang, Yi
- 282-290 Why government should encourage and defer to, rather than compete with, private sector payment systems
by Grover, Eric
- 291-308 The role of public-sector-led inclusive instant payment systems for growing the digital payments industry in Africa
by Mensah, Sabine
- 309-318 Can cash and mobile pay co-exist? What the data tell us
by Foster, Kevin & Greene, Claire & Stavins, Joanna
- 319-320 Everything you need to know about letters of credit — A comprehensive guide to document credit
by Ng, Lynn
June 2024, Volume 18, Issue 2
- 112-115 Editorial
by Hartsink, Gerard
- 116-126 The Indo–Russian payments corridor : Exploring and evaluating cross-border payment alternatives
by Dharurkar, Neha Vivek & Patil, Kanchan & Lonkar, Ameya Makarand & Dharmadhikari, Sonali
- 127-138 Think globally, settle locally? Multilateral platforms for cross-border payments based on distributed ledger technology
by Ballaschk, David & Drott, Constantin & Mitzlaff, Stefan
- 139-158 Reserve-backed tokens : A money for the future?
by Goel, Tirupam
- 159-166 The role of the ISO 20022 messaging standard in improving payment transactions utilising participants’ data
by Josyula, Hari Prasad
- 167-178 Declined card transactions: How online merchants can address the potential €15bn revenue hole caused by declines
by Hay, Tom & Saywell, Nick
- 179-191 Explainability and operational resilience in the design of central bank digital currencies: A new generation of money-laundering deterrence software
by Lazcano, Israel Cedillo
- 192-201 The impact of migration and digitisation on global remittance volumes and socioeconomic development
by Shah, Sachin
March 2024, Volume 18, Issue 1
- 4-8 Editorial
by Hartsink, Gerard
- 9-19 Speed at the expense of safety? Economic crime security concerns in the implementation of the G20 Roadmap for Enhancing Cross-border Payments
by Maxwell, Nick J.
- 20-29 Compliance requirements in the future EU Anti-Money Laundering and Countering the Financing of Terrorism Framework
by Kaiser, Roger
- 30-38 Know your customer: Unravelling the challenges
by Von Haenisch, Hans-Joachim & Egner, Thomas
- 39-50 Leveraging the Legal Entity Identifier to mitigate the risk of financial crime and enhance fraud prevention in cross-border payments
by Rowley, Clare
- 51-60 Transaction Monitoring Netherlands: Fighting financial crime through data collaboration and advanced analytics
by Siegers, Norbert
- 61-72 A pan-European fraud taxonomy : Do you speak fraud?
by Moes, Annick & Ruesing, Meral
- 73-79 The imperative of building and fostering a strong compliance culture in the evolving cross-border payments space
by Fleming, Michele M.
- 80-95 A model of decentralised oversight for the digital asset industry with an example antimoney laundering/know-your-customer standard
by Van Vliet, Ben
- 96-108 Instant payments: Providing the rails for new payment solutions
by Pranger, Niels M.
December 2023, Volume 17, Issue 4
- 356-358 Editorial
by Hartsink, Gerard
- 359-371 Digital payments: Navigating the landscape, addressing fraud, and charting the future with Confirmation of Payee solutions
by Dugauquier, Damien & Bochove, Geertjan Van & Raes, Alain & Ilunga, Jean-Julien
- 372-380 Harvesting payment data for fiscal purposes: The EU’s Central Electronic System of Payment Information
by Weber, Sabine & Wallraf, Albrecht
- 381-397 Measurement and use of cash for payments by half the world’s population
by Khiaonarong, Tanai & Humphrey, David
- 398-407 The digital euro in the digital age : Can we really digitise cash?
by Schwarz, Maja
- 408-421 Beyond technology: Considerations for retail central bank digital currency adoption in Asia–Pacific
by Chen, Sally & Goel, Tirupam & Qiu, Han
- 422-432 Interoperability aspects of central bank digital currency across ecosystems and borders
by Hupel, Lars
- 433-447 Can central bank digital currencies help advance financial inclusion?
by Boakye-Adjei, Nana Yaa & Auer, Raphael & Banka, Holti & Faragallah, Ahmed & Frost, Jon & Natarajan, Harish & Prenio, Jermy
September 2023, Volume 17, Issue 3
- 228-229 Editorial
by Hartsink, Gerard
- 230-237 Changes in US payment behaviour during COVID-19: Differences by income and demographics
by Greene, Claire & Merry, Ellen A. & Stavins, Joanna
- 238-249 The acceptance of cash by Canadian merchants: Evidence from the 2021–22 Merchant Acceptance Survey
by Welte, Angelika & Wu, Joy
- 250-270 The Unified Payment Interface and the growth of digital payments in India: An analysis
by Balakrishnan, Mahadevan
- 271-290 Payment service provision in times of accelerated market and regulatory change: The case of India
by Bartelt, Niklas & Hommel, Ulrich & Patel, Rushabh & Ali, Shagufta
- 291-314 From LVTS to Lynx: Quantitative assessment of payment system transition in Canada
by Desai, Ajit & Lu, Zhentong & Rodrigo, Hiru & Sharples, Jacob & Tian, Phoebe & Zhang, Nellie
- 315-322 US money transmission regulations and decentralised payment platforms
by Tang, Ximeng
- 323-349 The payments industry in Germany: Status and further developments or a triangle of scale, complexity and low fees
by Bartelt, Niklas & Wittig, Ronny
- 350-352 `Redecentralisation: Building the Digital Financial Ecosystem` by Ruth Wandhöfer and Hazem Danny Nakib
by Mallekoote, Piet
June 2023, Volume 17, Issue 2
- 112-114 Editorial
by Hartsink, Gerard
- 115-129 What are (payment) intermediaries good for?
by Milkau, Udo
- 130-141 Metamoney: Payments in the metaverse
by Birch, David G.W. & Richardson, Victoria J.
- 142-150 Balancing privacy and data use: The potential impact of large online platforms and central bank digital currencies
by Maruo, Yuji & Sugino, Sei
- 151-164 Distributed ledger technology experiments in retail payments: Evidence from Turkey
by Çağlayan, Gökhan & Öz, Bilgehan Kürşad & Özer, Aleaddin & Şener, Emrah
- 165-181 UK/EU regulatory developments in payments, crypto-assets and buy-now-pay-later agreements
by Savoie, Max & Dowdall, Martin & Manhambara, Paida
- 182-199 The impact of cognitive, affective and social antecedents on system characteristics and their influence on proxy payments adoption
by Dharurkar, Neha Vivek & Patil, Kanchan & Mahadevan, Balakrishnan
- 200-222 Intention to use mobile payment systems among unorganised retailers in India
by Karthik Ram, M. & Selvabaskar, S.
March 2023, Volume 17, Issue 1
- 4-7 Editorial
by Hartsink, Gerard
- 8-25 Do we really need another dollar, euro, pound or yuan? How to create the right ecosystem for a successful central bank digital currency
by Salmony, Dr Michael
- 26-35 Central bank digital currencies: An active role for commercial banks
by Denecker, Olivier & D’Estienne, Arnaud & Gompertz, Pierre-Matthieu & Sasia, Elia
- 36-45 Central bank digital currency challenges: The case of Greece
by Arakelian, Veni
- 46-57 Using central bank digital currencies across borders: Lessons from practical experiments
by Bech, Morten & Boar, Codruta & Eidan, Daniel & Haene, Philipp & Holden, Henry & Toh, Wee Kee
- 58-67 China’s Digital Currency Electronic Payment: A ‘negotiated currency’ perspective
by Wang, Lisha
- 68-85 Wholesale central bank digital currency vs traditional real-time gross settlement: Benefits beyond a new acronym?
by Leinonen, Harry
- 86-95 Identifying and authenticating the users of virtual currency via electronic attestation and the European Digital Identity Wallet
by Alamillo-Domingo, Ignacio
- 96-106 Designing digital currency wallets for broad adoption
by Scollan, Becca & Darling, Erika
December 2022, Volume 16, Issue 4
- 344-346 Editorial
by Hartsink, Gerard
- 347-357 Why are open banking models in Europe underperforming?
by Briones De Araluze, Gorka K.
- 358-368 Open banking and digital transformation in Italy: The current situation and the challenges ahead
by Fratini Passi, Liliana
- 369-380 Digital euro issuance: A great opportunity with some risks
by Esposito, Leopoldo
- 381-388 Key milestones for participants in the T2-T2S consolidation project: A template for banks that are onboarding to any financial market infrastructure
by Bashford, Robert & Ciraso, Chiara
- 389-398 The future of cross-border wholesale payments: Mobilising central bank money across borders
by Wandhöfer, Ruth
- 399-408 How financial inclusion is evolving to make payments easier for all
by Bedarkar, Vijay & Conway, Alison
- 409-427 The dawn of next-generation payment infrastructure: The future of Zengin and financial services in Japan
by Yanagawa, Eiichiro
October 2022, Volume 16, Issue 3
- 200-203 Special Issue: Next steps for cross-border payments
by Gerard, Hartsink
- 204-206 Next steps for cross-border payments: Aligning ambition with action
by Knot, Klaas
- 207-218 The G20 cross-border payments programme: A global effort
by Lammer, Thomas & Rice, Tara
- 219-230 The Nexus international payments platform: Is it business-model viable?
by He, Chusu & Milne, Alistair & Zachariadis, Markos
- 231-243 Cross-border retail payments in the Tripartite Area in support of the African Continental Free Trade Agreement
by Kairuki, Juliet Rugeiyamu & Cousins, Arthur
- 244-255 A path towards enhancing cross-border payments: Breaking down the realities
by Barclay, James & Tagai, Masayuki
- 256-264 Synchronising instant payment systems to improve cross-border payment execution
by Kulk, Erwin & Ledford, Steve
- 265-276 The internal cards market in Europe from 2002 to 2020: A success or a failure?
by Bruggink, Diederik
- 277-282 Managing the rising tide of settlement risk in cross-border payments and the future development of CLS
by De Jessé, Marc Bayle
- 283-291 Developments in industry standards for cross-border payments
by Knorr, Michael
- 292-303 Lessons learned from monitoring the costs of international remittances and global efforts to lower costs
by Ardic, Oya P. & Natarajan, Harish
- 304-317 A brief history of cross-border payments
by O'Mahony, David
- 318-334 An overview of developments in South Africa's payments industry
by Pretorius, Maurits & Wang, Jason & Buitendag, Johan
March 2022, Volume 16, Issue 2
- 104-106 Editorial
by Hartsink, Gerard
- 107-119 Cash demand in times of crisis
by Rösl, Gerhard & Seitz, Franz
- 120-136 Forecasting banknote returns in a changing payments environment
by Cronin, David & Mcinerney, Niall
- 137-147 Designing an inclusive digital euro
by Galotto, Ludovica & Vangelisti, Maria Iride
- 148-159 How the Legal Entity Identifier supports the digitisation of business transactions
by Wolf, Stephan
- 160-169 The European Automated Clearing Association and the role of clearing and settlement mechanisms in Europe’s evolving payments landscape
by Beltrán, José M. & Bär, Fred
- 170-180 Payment outages: Experiences and issues
by Khiaonarong, Tanai & Rizaldy, Ryan & Leinonen, Harry
- 181-196 The payments industry in Australia: Status and future developments
by White, Andy
March 2022, Volume 16, Issue 1
- 4-6 Editorial
by Hartsink, Gerard
- 7-16 Mobile wallet payments in the time of COVID-19: The Indian experience
by Kumar, Rishi & Ratra, Vastav & Mandava, Shravanth
- 17-27 COVID-19 and point-of-sale payments in Belgium: How the older generation also learned to love contactless
by Van Droogenbroeck, Ellen & Van Hove, Leo
- 28-38 What is money? A lawyer’s perspective on the evolution of the US payment system and dollars in the digital age
by Cheng, Jess & Torregrossa, Joseph
- 39-50 Getting the balance right: Crypto, stablecoin and central bank digital currency
by Bolt, Wilko & Lubbersen, Vera & Wierts, Peter
- 51-67 An introduction to cross-border payments within the COMESA region of Africa
by Wamicwe, Andrew M.
- 68-74 Building a global digital identity infrastructure
by Leibbrandt, Gottfried & Goldscheider, Daniel
- 75-85 Geldmaat: An example of ATM pooling in the Netherlands
by Kwakkel, Erik & De Wolff, Victor
- 86-94 Retail payment strategies: The approach in Portugal compared with the European Commission and the Eurosystem
by Pimentel, Rui
- 95-98 `Payments and Market Infrastructure Two Decades after the Start of the European Central Bank` by Piet Mallekoote
by Mallekoote, Piet
December 2021, Volume 15, Issue 4
- 352-354 Editorial
by Banka, Holti
- 355-359 Developments in fast payments in the Single Euro Payments Area
by Santamaría, Javier
- 360-366 Mind the gap: Digitisation and payment systems
by Buğday, Ahmet & Deniz, Ozan & Öztaner, Serdar Murat & Şener, Emrah
- 367-375 Pix: The Brazilian fast payments scheme
by Lobo, Breno & Brandt, Carlos Eduardo
- 376-397 Person-to-business instant payments: Could they work in Colombia?
by Arango-Arango, Carlos A. & Ramirez-Pineda, Ana Carolina & Restrepo-Bernal, Manuela
- 398-409 Instant payments and cards: Apples and oranges or a possible substitute?
by Bruggink, Diederik & Benevelli, Alessia
- 410-418 Demystifying ISO 20022: Evaluating the benefits and limitations of new messaging standards
by Gallaher, Mike & Harper, Chad
- 419-431 Open banking: Opening up the ‘walled gardens’
by Aytaş, Baran & Öztaner, Serdar Murat & Şener, Emrah
- 432-444 Open banking in Europe: The effect of the Revised Payment Services Directive on Solarisbank and Insha
by Nanaeva, Zhamal & Aysan, Ahmet Faruk & Shirazi, Nasim Shah
- 445-454 Demystifying programmable money: How the next generation of payment solutions can be built with existing infrastructure
by Kulk, Erwin & Plompen, Petra
- 455-457 `The Pay Off: How Changing the Way We Pay Changes Everything` by Piet Mallekoote
by Mallekoote, Piet
September 2021, Volume 15, Issue 3
- 232-233 Editorial
by Hartsink, Gerard
- 234-243 Changing US consumer payment habits during the COVID-19 crisis
by Akana, Tom
- 244-249 Income and banking access in the USA: The effect on bill payment choice
by Greene, Claire & Stavins, Joanna
- 250-259 The evolving role of the ‘collecting model’ in the payment service provider market
by Bartelt, Niklas & Hommel, Ulrich
- 260-276 Do we need a digital euro, or a digitisation of payments?
by Milkau, Udo
- 277-286 The public, the private and the secret: Thoughts on privacy in central bank digital currencies
by Ballaschk, David & Paulick, Jan
- 287-304 An integrated approach for electronic identification and central bank digital currencies
by Adams, Michael & Boldrin, Luca & Ohlhausen, Ralf & Wagner, Eric
- 305-318 The phenomenon of de-risking: Unintended consequences and possible solutions
by Jimenez, Jorge & Labeaga Azcona, Jose Maria
- 319-331 The European Payments Initiative: The next big thing in European payments?
by Judt, Ewald & Krueger, Malte
- 332-348 Country report: The payments industry in the Netherlands: Status and future developments
by Mallekoote, Piet M. & Hartsink, Gerard
June 2021, Volume 15, Issue 2
- 132-133 Editorial
by Hartsink, Gerard
- 134-149 Payment infrastructure trends in Japan: Emerging technologies and alternative infrastructures
by Yanagawa, Eiichiro
- 150-164 Establishing the trust anchor in the digital economy: The case for banks to become ‘data custodians’
by Cortet, Mounaim & Bakker, Maarten & Groen, Pepijn & Hoppenbrouwer, Denise
- 165-187 Preparing euro payments for the future: A blueprint for a digital euro
by Wagner, Eric & Bruggink, Diederik & Benevelli, Alessia
- 188-196 Consumer behaviour in a health crisis: What happened to cash?
by Foster, Kevin & Greene, Claire
- 197-200 The impact of merchant and mobile payments on financial inclusion in Asia-Pacific
by Kapron, Zennon
- 201-213 Acceptance of digital payments among rural retailers in India
by Koul, Surabhi & Singh Jasrotia, Sahil & Govind Mishra, Hari
- 214-224 Wholesale payment systems: Modernisation of the liability framework
by Doyle, Robin
March 2021, Volume 15, Issue 1
- 4-6 Editorial
by Natarajan, Harish
- 7-22 Sovereign digital currencies: Reshaping the design of money and payments systems
by Buckley, Ross P. & Arner, Douglas W. & Zetzsche, Dirk A. & Didenko, Anton N. & Van Romburg, Lucien J.
- 23-36 Two paths to tomorrow’s money
by Mclaughlin, Tony
- 37-53 Money and customer funds in the world of digital finance: Who really owns what?
by Bossone, Biagio
- 54-66 Innovation and competition in payments: Evolving policy challenges
by Urbiola, Pablo & Pacheco, Lucía & Lozano, Jesús
- 67-78 Did Wirecard ever matter? Reflections on the structure of the German e-commerce payment service provider market
by Bartelt, Niklas & Hommel, Ulrich
- 79-91 Digital wallet war in Asia: Finding the drivers of digital wallet adoption
by Fanuel, Putri Natasya & Fajar, Ahmad Nurul
- 92-108 Factors influencing the acceptance of proximity mobile payment in Germany: The example of Apple Pay
by Finken, Silke & Heiduk, Louisa
- 109-117 How small and medium-sized retail enterprises can make the best use of payment innovations
by Vangelisti, Maria Iride
- 118-126 FinTechs and payments for international education
by Prakash, Venkataramani
December 2020, Volume 14, Issue 4
- 312-314 Editorial: FinTech’s impact on payments — Part 1
by Natarajan, Harish
- 315-325 FinTech and financial inclusion: Opportunities and challenges
by Hollanders, Marc
- 326-338 The payment systems revolution: India’s story
by Narendra Kumar, N.V. & Thakur, Abhishek & Raghuraj, G. & Lalit Mohan, S.
- 339-352 Clouds, chips or chains? The three ways to implement a digital dollar: FedPesa, FedDex or FedCoin
by Birch, David G.W
- 353-362 Moving digital cash (forward): The significance of payment schemes
by Ismail, Arif & Steyn, Herco & Phelane, Comfort
- 363-379 Granting access to real-time gross settlement systems in the FinTech era
by Bossone, Biagio & Srinivas, Gynedi & Banka, Holti
- 380-391 Stable crypto-assets for payments: What is missing in current token standards?
by Fernández Herraiz, Carlos & De Mata, Íñigo García
- 392-410 Digital payments adoption and the demand for cash: New international evidence
by Arango-Arango, Carlos A. & Suárez-Ariza, Nicolás
- 411-425 Shifts in payment strategy to support the ‘stay-at-home’ workforce during the current COVID-19 pandemic: Survey results
by Gupta, Mahendra & Palmer, Richard J. & Brandt, James
September 2020, Volume 14, Issue 3
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