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Tytuł:
The conceptions of new payment methods based on revised payment services directive (PSD2)
Autorzy:
Możdżyński, D.
Powiązania:
https://bibliotekanauki.pl/articles/95061.pdf
Data publikacji:
2017
Wydawca:
Szkoła Główna Gospodarstwa Wiejskiego w Warszawie. Wydawnictwo Szkoły Głównej Gospodarstwa Wiejskiego w Warszawie
Tematy:
payment systems
e-business
e-commerce
m-payment
one touch payment
postpone payment
payment initiation services
screen scraping
account information services
payment service providers
payment services directive
Opis:
In the paper the conceptions of new payment methods in E-commerce and M-commerce (“1XPay” and “ScorePay”) are presented. The systems are a proposition of one touch payment based on existing banking accounts and postponed payment system based on the credit scoring check, both in compliance with Revised Payment Service Directive.
Źródło:
Information Systems in Management; 2017, 6, 1; 50-60
2084-5537
2544-1728
Pojawia się w:
Information Systems in Management
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Analiza opłaty intercharge
Intercharge fee analysis
Autorzy:
Ślażyńska-Kluczek, Dorota
Powiązania:
https://bibliotekanauki.pl/articles/447130.pdf
Data publikacji:
2015
Wydawca:
Mazowiecka Uczelnia Publiczna w Płocku
Tematy:
intercharge fee
acquirer
payment institution
cashless payment
payment card
Opis:
Merchants that accepts non-cash payments are the sponsors for the cashless turnover in Poland. As they accept the card payment their income is reduced by the fee paid for the card issuers. The fee they pay is called the intercharge fee. It is the main part of service fees for card terminals maintenance. This fee is a burden for cashless turnover, discouraging merchants for card terminals installing. Moreover clients have reduced possibility of non-cash payments and are made to pay cash or find other stores that accept payments with the card. Intercharge fee in Poland used to be the highest in the whole European Union. The regulation dated of 29th of January 2015 reduced it. This regulation aim at increasing cashless payments and make Polish acquirers competitive on the European market.
Źródło:
Zeszyty Naukowe PWSZ w Płocku. Nauki Ekonomiczne; 2015, 2(22); 225-234
1644-888X
Pojawia się w:
Zeszyty Naukowe PWSZ w Płocku. Nauki Ekonomiczne
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Cash usage in Poland in 2020: Insights into the role of the COVID-19 pandemic and spatial aspects
Autorzy:
Kotkowski, Radoslaw
Manikowski, Arkadiusz
Powiązania:
https://bibliotekanauki.pl/articles/19322633.pdf
Data publikacji:
2023-07-10
Wydawca:
Uniwersytet Warszawski. Wydawnictwo Naukowe Wydziału Zarządzania
Tematy:
cash
payment cards
payment behavior
customer payment choice
Heckman approach
Opis:
The study explores the factors likely to induce Polish customers to pay by cash, instead of payment cards, for goods and services they are purchasing. The basis of our investigation is microdata obtained in 2020, during the “Payment Habits in Poland in 2020” study, which was conducted by Narodowy Bank Polski (National Bank of Poland) in 2020. The analysis is performed using the two-stage Heckman approach. In the first stage, card adoption factors are analyzed using a probit model; then, in the second stage, the OLS model is employed to analyze the propensity to pay by cash, despite having a payment card. Apart from typical factors affecting the use of different payment methods, e.g., age, income, education, or perceptions about payment methods, we find an important role of two, yet under-investigated factors, namely: the COVID-19 pandemic and spatial aspects. E.g., we find that self-reported change in payment behavior during the pandemic indeed was reflected in diary studies. Furthermore, we show that instances of merchants’ refusal to accept cash significantly impacted payment choices. Moreover, the results indicate significant spatial heterogeneity in payment behavior and that aspects like distance to the nearest ATM impacted cash usage, as more cash is used when ATMs are farther away, illustrating the concept of “cash burns.” Lastly, it has been noticed that during the pandemic, ownership of contactless payment cards significantly reduced cash usage, most probably due to the fear of contracting the disease by physical contact with surfaces (like cash).
Źródło:
Journal of Banking and Financial Economics; 2023, 1(19); 85-113
2353-6845
Pojawia się w:
Journal of Banking and Financial Economics
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Optional payments of the first pillar under CAP vs the average amount of support per farm
Płatności dobrowolne I filaru WPR a średnia kwota wsparcia na gospodarstwo
Autorzy:
Sadłowski, A.
Powiązania:
https://bibliotekanauki.pl/articles/2051650.pdf
Data publikacji:
2018
Wydawca:
Akademia Bialska Nauk Stosowanych im. Jana Pawła II w Białej Podlaskiej
Tematy:
Common Agricultural Policy
optional payment
payment
direct payment
support
farm
Opis:
Subject and purpose of work: The article analyses the influence of optional instruments applied in Poland as part of the first pillar of the Common Agricultural Policy on the average support provided to farms in individual provinces. Materials and methods: The study was based on data from the Agency for Restructuring and Modernisation of Agriculture as well as quantitative and analytical methods, especially simulations and comparative variant analysis. Results: The optional instruments applied in Poland increased the average support provided to farms in central and eastern Poland. The average amount of support paid per farm would have been bigger in northern, western and southern provinces if optional instruments had not been implemented. Primarily, the introduction of both redistributive payment and production-related support (all forms of this support taken together) resulted in a decrease in the average aid per holding in the same group of provinces and at the same time an increase in this size in other provinces (compared to the situation in which the amounts for financing these instruments would be distributed under the single area payment). Conclusions: The analysis of the influence of redistributive payment and coupled support on the average amount of financial aid per farm in individual provinces shows that the consequences of using these instruments were very similar to each other in their effect on the variable under study.
Przedmiot i cel pracy: W artykule dokonano analizy wpływu, zastosowanych w Polsce w ramach I filaru Wspólnej Polityki Rolnej, instrumentów fakultatywnych na średni poziom wsparcia gospodarstw w poszczególnych województwach. Materiały i metody: W badaniach posłużono się danymi Agencji Restrukturyzacji i Modernizacji Rolnictwa. Zastosowano metody ilościowe i analityczne, w szczególności symulacje oraz porównawczą analizę wariantową. Wyniki: Zastosowane w Polsce instrumenty fakultatywne spowodowały wzrost średniego poziomu pomocy w gospodarstwach zlokalizowanych w Polsce i środkowej i środkowo-wschodniej. Z kolei w województwach Polski północnej, zachodniej i południowej średnia kwota wsparcia na gospodarstwo byłaby wyższa, gdyby nie wdrażano instrumentów fakultatywnych. Wnioski: Analiza wpływu płatności redystrybucyjnej oraz wsparcia związanego z produkcją na średnią kwotę pomocy na gospodarstwo w poszczególnych województwach pozwala zauważyć duże podobieństwo skutków stosowania tych instrumentów pod względem kierunku oddziaływania na badaną zmienną. Zasadniczo wprowadzenie, zarówno płatności redystrybucyjnej, jak i wsparcia związanego z produkcją (wszystkie formy tego wsparcia traktowane łącznie), spowodowało spadek średniej kwoty pomocy na gospodarstwo w tej samej grupie województw i jednocześnie wzrost tej wielkości w pozostałych województwach (w porównaniu do sytuacji, w której kwoty przeznaczone na finansowanie tych instrumentów zostałyby rozdysponowane w ramach jednolitej płatności obszarowej).
Źródło:
Economic and Regional Studies; 2018, 11, 3; 148-161
2083-3725
2451-182X
Pojawia się w:
Economic and Regional Studies
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Skuteczność rozwiązań prawnych dotyczących problemu zatorów płatniczych w Polsce
Effectiveness of legal solutions regarding the issue of payment delays in Poland
Autorzy:
Kluzek, Marta
Powiązania:
https://bibliotekanauki.pl/articles/42822385.pdf
Data publikacji:
2024
Wydawca:
Kancelaria Sejmu. Biuro Ekspertyz i Oceny Skutków Regulacji
Tematy:
payment backlogs in Poland
payment deadlines
payment delays
overdue payments
Opis:
Improper management of the settlement system with contractors in a company leads to the accumulation of overdue payments and the emergence of payment delays. By continuously amending European law, including Polish law, the authorities attempt to address the issue of payment delays and provide legal solutions to prevent delayed payments and control their magnitude. The article aims to assess the extent and significance of payment delays in the Polish economy in the context of legal solutions intended to combat this phenomenon. The article attempts to verify the hypothesis that the regulations introduced into the Polish legal system are not a sufficient tool to eliminate the problem of payment delays. The article analyses relevant literature, legal acts, reports, and statistical data. It uses statistical data from Statistics Poland and reports on payment terms for 2020-2022 from Poland’s largest companies, as well as industry reports. Despite improvements in the behaviour of large enterprises, the implemented directives and national regulations have not fully resolved the issue of payment delays.
Źródło:
Studia BAS; 2024, 2(78); 97-121
2080-2404
2082-0658
Pojawia się w:
Studia BAS
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
The evolution of payment instruments
Autorzy:
Chojnacka-Duraj, Justyna
Powiązania:
https://bibliotekanauki.pl/articles/1179136.pdf
Data publikacji:
2017
Wydawca:
Przedsiębiorstwo Wydawnictw Naukowych Darwin / Scientific Publishing House DARWIN
Tematy:
payment system
regulation of payment instruments
Opis:
The aim of this article is to characterize the changes in the market for payment services in Poland due to high regulatory activity in this area at the EU level. The concept of payment instruments has been characterized in regard to the current Polish and global market of banking services. The legal aspects of payment instruments have also been described, along with the presentation of the current situation on the market and the factors determining the development of payment instruments.
Źródło:
World Scientific News; 2017, 85; 51-58
2392-2192
Pojawia się w:
World Scientific News
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
The role of payment cards as a transaction tool in Poland
Rola kart płatniczych jako środka transakcyjnego w Polsce
Autorzy:
Golnik, B.
Powiązania:
https://bibliotekanauki.pl/articles/2051436.pdf
Data publikacji:
2019
Wydawca:
Akademia Bialska Nauk Stosowanych im. Jana Pawła II w Białej Podlaskiej
Tematy:
bank
payment
payment card
transaction
bank product
alternative payment
Polska
Opis:
Subject and purpose of work: The article addresses the issue of the increasing use of payment cards in Poland and related consequences in the number and volume of transactions cash and cashless. The article analyzes the growing importance of cards as a transaction medium of Poles. The topic of potential alternative payment methods was also discussed. Materials and methods: The study used the analysis of literature and source data from, among others, National Bank of Poland, prnews.pl, Statista.com database, websites of banks and others. Descriptive and statistical methods were used in order to prepare the research. Results: In Poland, the number of cards owned by citizens is growing rapidly, as well as the volume and number of transactions concluded with them. Customers, banks and economic and commercial units are most interested in payment cards market. Conclusions: Transaction with cards deepens customer attachment to a particular brand of the organization and allows to gain benefit from transaction fees. The popularization of cards results in a limited share of cash in transactions. Making debit card payments requires customers to have sufficient deposits on the account, which is also an advantage for the bank. It is expected that the scope and role of mobile payments will grow dynamically
Źródło:
Economic and Regional Studies; 2019, 12, 4; 444-455
2083-3725
2451-182X
Pojawia się w:
Economic and Regional Studies
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Trends in payment intermediation – global perspective of the role of banks and non-banks
Autorzy:
Iwańczuk-Kaliska, Anna
Powiązania:
https://bibliotekanauki.pl/articles/2123346.pdf
Data publikacji:
2022
Wydawca:
Uniwersytet w Białymstoku. Wydawnictwo Uniwersytetu w Białymstoku
Tematy:
payment intermediation
payment systems
banks
non-banks
Opis:
Purpose – The aim of the paper is to assess the role of banks and non-banks in payments from a global perspective using a comprehensive approach. The considerations are also focused on the determinants of possible changes in this area in the future.Research method – The research methods applied in the study include the literature review and the critical analysis of available empirical research results in the field of payment intermediation. The analy-sis based on desk research is focused on changes in payments trends observed worldwide. Results – The research leads to the conclusion that despite the significant role of nonbank entities on the payment services market, banks continue to be important elements of payment systems. There are no commonly used solutions that are fully separate from banking systems, and there is no doubt that this will not change in the nearest future. However, payment innovations combined with changes in regulations and central bank strategies may alter the use of both bank money and the banking infra-structure in payments.Originality /value / implications /recommendations – The paper contributes to the discussion on trends leading to a change in the role of banks and an increasing role of non-banks in payment intermediation. It investigates the problem from a global perspective and using a comprehensive approach. Its novelty lies also in the approach based on four distinguished stages of the change of the banks’ role in paymentsystems
Źródło:
Optimum. Economic Studies; 2022, 2(108); 80-94
1506-7637
Pojawia się w:
Optimum. Economic Studies
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Potencjał rozwoju rynku płatności bezgotówkowych w Polsce
The development potential of non-cash payments market in Poland
Autorzy:
Oleńkiewicz, Marek
Powiązania:
https://bibliotekanauki.pl/articles/446751.pdf
Data publikacji:
2015
Wydawca:
Mazowiecka Uczelnia Publiczna w Płocku
Tematy:
non-cash payments
payment cards
mobile payments
cash
interchange fee
POS terminal
payment services
merchants
payment organizations
payment market
electronic banking
credit transfer
contactless payment
payment infrastructure
Opis:
The issue of non-cash transactions in Poland is of particular importance due to the ongoing socio-economic transformation. After the recent statutory reduction in the interchange fee charged to merchants for card payment, the value of non-cash transactions can be significantly increased. This trend has been observed in other countries and the faster development of supporting infrastructure has also been noted. The quality and availability of such infrastructure in Poland is improving, and due to the guidance issued by payment organizations, in two years time the card acceptance network in Poland will be one of the most modern in the world. There are also important social changes - currenlty the most active group using non-cash settlements are young and middle-aged people with tertiary education. The development of education enforces the growing awareness of safety and comfort of the solutions based on non-cash payments. Polish society is using bank services more often and an increasing number of a debit and credit cards is issued. Moreover, Poland is a particulary absorbent market for innovation, therefore the development of mobile payments may be faster than in other countries. Implementation of modern technologies, such as payments using biometric features, will also contribute to the development of non-cash transactions.
Źródło:
Zeszyty Naukowe PWSZ w Płocku. Nauki Ekonomiczne; 2015, 2(22); 215-223
1644-888X
Pojawia się w:
Zeszyty Naukowe PWSZ w Płocku. Nauki Ekonomiczne
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Impacts of modulation for direct payments in Hungary
Wpływ modulacji na bezposrednie płace na Węgrzech
Autorzy:
Vasary, M.
Molnar, J.
Zsolt, B.
Powiązania:
https://bibliotekanauki.pl/articles/868774.pdf
Data publikacji:
2013
Wydawca:
The Polish Association of Agricultural and Agribusiness Economists
Tematy:
modulation
direct payment
payment
subsidy redeployment
calculation
Hungary
Opis:
The redeployment of subsidies through modulation was a new element in the system of Hungarian agricultural support in the premium year of 2012. In harmony with EU principles, it has become possible (within Hungarian implementation) to create a system which enables the radical moderation of actual volumes of subsidy redeployment resulting from modulation. The basis of model calculations was created by the finalized data of ARDA about payments in the premium year of 2011. Following the running of calculations, it can be confirmed that the implementation of the Hungarian method has resulted in reduced payments only in the case of 2% of all farmers eligible for direct subsidies, and about 10% of those who are actually involved in payment reduction.
Nową częścią węgierskiego systemu wsparcia rolnictwa w roku składkowym 2012 było przegrupowanie dotacji poprzez modulację. Na Węgrzech możliwe stało się stworzenie systemu, który zgodnie z zasadami UE umożliwiał radykalne obniżenie aktualnej wysokości przegrupowania dotacji będącej wynikiem modulacji. Podstawą do obliczenia modelu były dane ARDA na temat wpłat za rok składkowy 2011. Można potwierdzić, że wprowadzenie węgierskiej metody skutkowało zmniejszeniem składek tylko w przypadku 2% wszystkich rolników, którym przysługują bezpośrednie dotacje i ok. 10% w przypadku tych, którzy rzeczywiście przyczyniają się do zmniejszenia składek.
Źródło:
Roczniki Naukowe Stowarzyszenia Ekonomistów Rolnictwa i Agrobiznesu; 2013, 15, 4
1508-3535
2450-7296
Pojawia się w:
Roczniki Naukowe Stowarzyszenia Ekonomistów Rolnictwa i Agrobiznesu
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Changes introduced to the European market for financial services by the Payment Service Directive 2
Zmiany wprowadzone na europejskim rynku usług finansowych dyrektywą o usługach płatniczych (Payment Service Directive 2)
Autorzy:
Woźniak, Anna
Powiązania:
https://bibliotekanauki.pl/articles/2215982.pdf
Data publikacji:
2020
Wydawca:
Kancelaria Sejmu. Biuro Analiz Sejmowych
Tematy:
finance
financial market
payment
European Union
PSD2
payment services
Opis:
In recent years, the use of new, innovative services, constituting a convenient alternative to traditional credit card payments or to standard account information services offered by banks has significantly increased. These changes demanded a more inclusive regulation of this market which would guarantee security to consumers and more clarity to the new providers of financial services. The Directive in question along with the Regulation introduce these changes, open the market and extend the regulation to many new providers of financial services. In the paper the bases for implementing the EU regulations are presented, as well as the most important of the introduced changes.
Źródło:
Zeszyty Prawnicze BAS; 2020, 2(66); 9-25
1896-9852
2082-064X
Pojawia się w:
Zeszyty Prawnicze BAS
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Wyniki badań poziomu wiedzy polskich przedsiębiorców w zakresie europejskich postępowań sądowych
Research Results of the Level of the Knowledge of Polish Entrepreneurs About European Litigation
Autorzy:
Lucyna, Łuczak-Noworolnik
Mamrot, Szymon
Powiązania:
https://bibliotekanauki.pl/articles/558273.pdf
Data publikacji:
2016
Wydawca:
Uniwersytet Warszawski. Centrum Europejskie
Tematy:
Cross-Border Court Proceedings
European Payment Order
Claim for Payment
Opis:
In the article various aspects of European court proceedings have been discussed, including legal context and research results with regard to the surveys which were conducted among Polish entrepreneurs. The discussion of the results was divided into three points dedicated to the entrepreneurs who cooperated with international counterpart, entrepreneurs who didn’t cooperate with international counterpart and both of these two groups. The main goal of indicated research was defi ning the level of knowledge of Polish entrepreneurs in cross-border court proceedings.
Źródło:
Studia Europejskie - Studies in European Affairs; 2016, 2; 127-140
1428-149X
2719-3780
Pojawia się w:
Studia Europejskie - Studies in European Affairs
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Odpowiedzialność dostawcy usługi płatniczej za nieautoryzowaną transakcję płatniczą – uwagi na gruncie polskiej implementacji PSD2
Autorzy:
Szczerbowski, Jakub
Powiązania:
https://bibliotekanauki.pl/articles/1807205.pdf
Data publikacji:
2021-07-28
Wydawca:
Wyższa Szkoła Gospodarki Euroregionalnej im. Alcide De Gasperi w Józefowie
Tematy:
nieautoryzowana transakcja płatnicza
PSD2
instytucja płatnicza
usługi płatnicze
uwierzytelnienie
authentication
unauthorised payment transaction
payment institution
payment services
Opis:
W ramach wyników ustalono, że ze względu na cel przyświecający przepisom, wynikający z ich brzmienia oraz motywów dyrektywy, obowiązek zwrotu będzie obciążał dostawcę płatnika co do zasady, wyjąwszy przypadku oszustwa, umyślności lub rażącego niedbalstwa po stronie płatnika. W zakresie problematyki ciężaru dowodu, odstępstwo od ogólnej zasady wynikającej z przepisów kodeksu cywilnego polega na przeniesieniu ciężaru wykazania, że transakcja została autoryzowana na dostawcę.
As part of the results, it was found that, due to the purpose of the legislation, as indicated in its wording and the recitals of the Directive, the obligation to return will be borne by the payer's supplier in principle, except in the event of fraud, intent or gross negligence on the part of the payer. As regards the problem of the burden of proof, a derogation from the general rule resulting from the provisions of the Civil Code consists in shifting the burden of proving that the transaction has been authorized to the supplier.
Źródło:
Journal of Modern Science; 2021, 46, 1; 257-268
1734-2031
Pojawia się w:
Journal of Modern Science
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
PROSPECTS FOR CHANGES IN THE ORGANIZATION OF BANKS IN THE LIGHT OF THE CONCEPT OF PAYMENT SERVICES HUB
Autorzy:
Iwańczuk-Kaliska, Anna
Powiązania:
https://bibliotekanauki.pl/articles/904535.pdf
Data publikacji:
2014
Wydawca:
Uniwersytet Łódzki. Wydawnictwo Uniwersytetu Łódzkiego
Tematy:
payment services
banks' organization
Opis:
Contemporary banks face a number of challenges arising from development of financial markets, globalization and technological and communication revolution. These challenges comprise significant and multifaceted changes in the market for payment services, which affect the functioning of commercial banks, including indirectly their organization. The aim of this study is to assess the potential impact of the idea of payment services hub on changes in the organization of the banking business. To achieve this objective, the different forms of centralization and integration of the infrastructure and processes in the area of payment services were presented. Next, the reference to the consequences of the concept of payment services hub for the organization of banks was made. The hypothesis of this article is as follows: full centralization of intra-bank systems, processes and activities related to the execution of payment services, will lead to the organisational division of business of some banks to the deposit-credit institution and the payment institution. The findings formulated in the article point to the need to consider in the banks’ strategies their role in a national, European and global payments market. They also show the need for a review of the organization of the banks’ operation, taking into consideration the concept of full centralization of payment services and integration of internal processes associated with their implementation. These changes may result in full separation of business as service providers from the organizational structure of banks, especially under European regulations.
Źródło:
Acta Universitatis Lodziensis. Folia Oeconomica; 2014, 1, 299
0208-6018
2353-7663
Pojawia się w:
Acta Universitatis Lodziensis. Folia Oeconomica
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
The Review of Transforming payment systems in Europe edited by Jakub Górka, Palgrave Macmillan Studies in Banking and Financial Institutions, Palgrave Macmillan, London 2016, pp. 270.
Autorzy:
Stavins, Joanna
Powiązania:
https://bibliotekanauki.pl/articles/522411.pdf
Data publikacji:
2017
Wydawca:
Uniwersytet Ekonomiczny w Katowicach
Tematy:
Book review
Payment systems
Źródło:
Journal of Economics and Management; 2017, 29; 161-164
1732-1948
Pojawia się w:
Journal of Economics and Management
Dostawca treści:
Biblioteka Nauki
Artykuł
Wyświetlanie 1-15 z 286

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