The impact of Payment Services Directive 2 on the PayTech sector development in Europe

Polasik, Michał; Huterska, Agnieszka; Iftikhar, Rehan; Mikula, Štěpán

doi:10.1016/j.jebo.2020.07.010

Cited by 42 publications

(21 citation statements)

References 52 publications

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“…Most studies in the literature address pre-adoption behaviour by users and the intention to use classical payment systems (Kaur et al 2020 ; Liébana-Cabanillas et al 2020b ; Lin et al 2020 ). However, this research focused on the study of the intention to recommend a highly innovative and PSD2-compliant system (Polasik et al 2020 ). The results of the present research demonstrate the influence of a set of variables on the intention to recommend based on the S-O-R model.…”

Section: Discussionmentioning

confidence: 99%

Do biometric payment systems work during the COVID-19 pandemic? Insights from the Spanish users' viewpoint

et al. 2022

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Technological developments are changing how users pay for goods and services. In the context of the COVID-19 (coronavirus disease 2019) pandemic, new payment systems have been established to reduce contact between buyer and seller. In addition to the pandemic, the future is payment processing is also uncertain due to the new EU security regulations of the Payment Services Directive (PSD2). Biometric payments one option that would guarantee the security of transactions and reduce the risk of contagion. This research analyses the intention to recommend the use of the mobile phone as a tool for collecting payments in a shop using iris reading as a biometric measure of the buyer. The moderating effect of the fear of contagion in the proposed relationships was also analysed. An online survey was carried out, which yielded a sample of 368 respondents. The results indicate that the main antecedents of intention to use, which precedes intention to recommend, are perceived trust, habit, personal innovativeness and comfort of use. Additionally, the moderating effect of COVID-19 was checked among users with a higher perception of risk. The results obtained have interesting implications for purchase management among manufacturers and retailers.

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Section: Discussionmentioning

confidence: 99%

Do biometric payment systems work during the COVID-19 pandemic? Insights from the Spanish users' viewpoint

et al. 2022

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“…Of course, studying the impact of such regulation will be very relevant and in-20 Further information on the PSD2: URL: https://ec.europa.eu/info/law/payment-servicespsd-2-directive-eu-2015-2366_en (last access on May 30 th , 2021). PSD2 requires enhanced business models from a consumer data and technology perspective (Polasik et al, 2020). Consumer reactions and habits vary, especially regarding their level of readiness for the new services provided (Bijlsma et al, 2020).…”

Section: Discussion and Findings In The Context Of Financial Regulationmentioning

confidence: 99%

Implications of “The Growth of Finance” on Financial Regulation

Adler¹

2022

IJARBM

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This essay aims at connecting the findings of Greenwood and Scharfstein, authors of “The Growth of Finance”, and my research topic "quantification of regulatory risk and impact of new regulation on business models”. The exercise focuses on how developments in the financial subsectors credit intermediation and asset management, for which a sound regulatory framework is needed, can be connected to prudential regulation. Prudential regulation, i.e. capital and liquidity regulation, primarily mitigates the weaknesses of the financial sector, which are pointed out by Greenwood and Scharfstein. Understanding the implications of prudential regulation, including societally beneficial as well as negative aspects, is the key aspect of the proposed dissertation topic. The outcome of this exercise with regards to the research agenda is that aspects such as financial macroeconomics , welfare considerations, and consumer protection issues might be worth adding.

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“…Therefore, their adequate design (in accordance with the latest trends) and the use of mechanisms of psychological influence and management of consumers' emotions are very important [32]. The security of data, delivery and electronic payments is also significant [94] (p. 387). Therefore, the following hypothesis is proposed:…”

Section: Additional Sales Channelsmentioning

confidence: 99%

Marketing Activities of Local Food Producers in E-Commerce

Szymański

2021

Sustainability

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The food industry is characterized by a constant increase in value. The purpose of this study is to identify the most popular marketing forms used by the analyzed enterprises, which were food producers selling online among the local community and identification of the correlation of the analyzed variables with the age of companies. The survey was carried out with the use of the CATI (Computer Assisted Telephone Interviewing) method, and the research tool was a questionnaire. The Chi-square statistics was used to examine the dependencies of individual variables and V-Cramer coefficient was used to identify the strength of the correlation. The obtained results and their analysis enable to conclude that there is a strong relation between the number of encountered problems in conducting online sales and the period of the company’s existence. The relationship (with a moderate strength) between sources of marketing inspirations used in e-stores and the company’s age was also confirmed. Furthermore, it was noticed that the number of marketing tools increases with the period of the company’s existence. Sales promotion, social media marketing and website positioning were indicated among the most popular tools.

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The impact of Payment Services Directive 2 on the PayTech sector development in Europe

Cited by 42 publications

References 52 publications

Do biometric payment systems work during the COVID-19 pandemic? Insights from the Spanish users' viewpoint

Do biometric payment systems work during the COVID-19 pandemic? Insights from the Spanish users' viewpoint

Implications of “The Growth of Finance” on Financial Regulation

Marketing Activities of Local Food Producers in E-Commerce

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