Journal of Payments Strategy & Systems

2006 - 2025

From Henry Stewart Publications
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Volume 19, issue 1, 2025

Editorial pp. 4-7

Gerard Hartsink

Bringing European retailer reality to the payments conversation pp. 8-18

Atze Faas

Integrating payment transaction data, direct from source: Opportunities and limitations for large merchants pp. 19-26

Sam Langsford

The strategic importance of payment data for merchants in the fuel retail industry pp. 27-41

Peter Lambrechts

Strengthening the core: What is next in banking to combat fraud? pp. 42-53

Mats Van Rijn

The role of instant payments and central bank digital currencies in transforming merchant cash management pp. 54-62

Vidit Maniyar

From theory to reality: The varied and often unintended consequences of card payment surcharging pp. 63-71

Maja Milosavljević

Agentic commerce and payments: Exploring the implications of robots paying robots pp. 72-84

David G. W. Birch and Debbie Gamble

From cash to gigabytes: The European evolution in payment technology from a merchant perspective pp. 85-93

Gert Huizinga

Volume 18, issue 4, 2024

Editorial pp. 324-326

Gerard Hartsink

The future of European payments: Faster, cheaper, more digital and more European; with no one left behind pp. 327-341

Emanuel Van Praag

Can paying become too easy? Questions regarding frictionless payments at the crossroads of public policy objectives pp. 342-356

Ellen Naudts and Jorgen Eijlander

The importance of data management for the payments industry pp. 357-365

John Bottega

The design and adoption of fast payments pp. 366-380

José Aurazo, Cecilia Franco, Jon Frost, Priscilla Koo Wilkens, Anneke Kosse, Vatsala Shreeti and Carolina Velásquez

A conceptual model for point-of-sale payment with retail central bank digital currency pp. 381-394

Lars Hupel

Introducing a framework for measuring the quantitative benefits of privacy enhancing technologies pp. 395-405

Ken Isaacson

The SEPA Payment Account Access scheme is driving ‘open banking’ in the EU beyond the revised Payments Services Directive pp. 406-417

Christophe Godefroi and Niels Pranger

Volume 18, issue 3, 2024

Editorial pp. 208-212

Gerard Hartsink

Navigating the data economy: Key considerations for decision makers in banking pp. 213-229

Mounaim Cortet, Douwe Lycklama and Pepijn Groen

Clarifying to whom, where, and when payments are made: Recommendations from the ERPB Working Group on Transparency for Retail Payment End Users pp. 230-238

Diederik Bruggink

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 pp. 239-252

Gerard Hartsink

The power of data: Transforming compliance with anti-money laundering measures in domestic and cross-border payments pp. 253-260

Alexander G. Rozman

Harnessing synthetic data to address fraud in cross-border payments pp. 261-275

Johan Bryssinck, Tom Jacobs, Filippo Simini, Ravi Doddasomayajula, Martin Koder, Francisco Curbera, Venkatram Vishwanath and Chalapathy Neti

The application of non-Latin language data in traditional cross-border payments: A discussion pp. 276-281

Yi Zhang

Why government should encourage and defer to, rather than compete with, private sector payment systems pp. 282-290

Eric Grover

The role of public-sector-led inclusive instant payment systems for growing the digital payments industry in Africa pp. 291-308

Sabine Mensah

Can cash and mobile pay co-exist? What the data tell us pp. 309-318

Kevin Foster, Claire Greene and Joanna Stavins

Everything you need to know about letters of credit — A comprehensive guide to document credit pp. 319-320

Lynn Ng

Volume 18, issue 2, 2024

Editorial pp. 112-115

Gerard Hartsink

The Indo–Russian payments corridor: Exploring and evaluating cross-border payment alternatives pp. 116-126

Neha Vivek Dharurkar, Kanchan Patil, Ameya Makarand Lonkar and Sonali Dharmadhikari

Think globally, settle locally? Multilateral platforms for cross-border payments based on distributed ledger technology pp. 127-138

David Ballaschk, Constantin Drott and Stefan Mitzlaff

Reserve-backed tokens: A money for the future? pp. 139-158

Tirupam Goel

The role of the ISO 20022 messaging standard in improving payment transactions utilising participants’ data pp. 159-166

Hari Prasad Josyula

Declined card transactions: How online merchants can address the potential €15bn revenue hole caused by declines pp. 167-178

Tom Hay and Nick Saywell

Explainability and operational resilience in the design of central bank digital currencies: A new generation of money-laundering deterrence software pp. 179-191

Israel Cedillo Lazcano

The impact of migration and digitisation on global remittance volumes and socioeconomic development pp. 192-201

Sachin Shah

Volume 18, issue 1, 2024

Editorial pp. 4-8

Gerard Hartsink

Speed at the expense of safety? Economic crime security concerns in the implementation of the G20 Roadmap for Enhancing Cross-border Payments pp. 9-19

Nick J. Maxwell

Compliance requirements in the future EU Anti-Money Laundering and Countering the Financing of Terrorism Framework pp. 20-29

Roger Kaiser

Know your customer: Unravelling the challenges pp. 30-38

Hans-Joachim Von Haenisch and Thomas Egner

Leveraging the Legal Entity Identifier to mitigate the risk of financial crime and enhance fraud prevention in cross-border payments pp. 39-50

Clare Rowley

Transaction Monitoring Netherlands: Fighting financial crime through data collaboration and advanced analytics pp. 51-60

Norbert Siegers

A pan-European fraud taxonomy: Do you speak fraud? pp. 61-72

Annick Moes and Meral Ruesing

The imperative of building and fostering a strong compliance culture in the evolving cross-border payments space pp. 73-79

Michele M. Fleming

A model of decentralised oversight for the digital asset industry with an example antimoney laundering/know-your-customer standard pp. 80-95

Ben Van Vliet

Instant payments: Providing the rails for new payment solutions pp. 96-108

Niels M. Pranger

Volume 17, issue 4, 2023

Editorial pp. 356-358

Gerard Hartsink

Digital payments: Navigating the landscape, addressing fraud, and charting the future with Confirmation of Payee solutions pp. 359-371

Damien Dugauquier, Geertjan Van Bochove, Alain Raes and Jean-Julien Ilunga

Harvesting payment data for fiscal purposes: The EU’s Central Electronic System of Payment Information pp. 372-380

Sabine Weber and Albrecht Wallraf

Measurement and use of cash for payments by half the world’s population pp. 381-397

Tanai Khiaonarong and David Humphrey

The digital euro in the digital age: Can we really digitise cash? pp. 398-407

Maja Schwarz

Beyond technology: Considerations for retail central bank digital currency adoption in Asia–Pacific pp. 408-421

Sally Chen, Tirupam Goel and Han Qiu

Interoperability aspects of central bank digital currency across ecosystems and borders pp. 422-432

Lars Hupel

Can central bank digital currencies help advance financial inclusion? pp. 433-447

Nana Yaa Boakye-Adjei, Raphael Auer, Holti Banka, Ahmed Faragallah, Jon Frost, Harish Natarajan and Jermy Prenio

Volume 17, issue 3, 2023

Editorial pp. 228-229

Gerard Hartsink

Changes in US payment behaviour during COVID-19: Differences by income and demographics pp. 230-237

Claire Greene, Ellen A. Merry and Joanna Stavins

The acceptance of cash by Canadian merchants: Evidence from the 2021–22 Merchant Acceptance Survey pp. 238-249

Angelika Welte and Joy Wu

The Unified Payment Interface and the growth of digital payments in India: An analysis pp. 250-270

Mahadevan Balakrishnan

Payment service provision in times of accelerated market and regulatory change: The case of India pp. 271-290

Niklas Bartelt, Ulrich Hommel, Rushabh Patel and Shagufta Ali

From LVTS to Lynx: Quantitative assessment of payment system transition in Canada pp. 291-314

Ajit Desai, Zhentong Lu, Hiru Rodrigo, Jacob Sharples, Phoebe Tian and Nellie Zhang

US money transmission regulations and decentralised payment platforms pp. 315-322

Ximeng Tang

The payments industry in Germany: Status and further developments or a triangle of scale, complexity and low fees pp. 323-349

Niklas Bartelt and Ronny Wittig

`Redecentralisation: Building the Digital Financial Ecosystem` by Ruth Wandhöfer and Hazem Danny Nakib pp. 350-352

Piet Mallekoote

Volume 17, issue 2, 2023

Editorial pp. 112-114

Gerard Hartsink

What are (payment) intermediaries good for? pp. 115-129

Udo Milkau

Metamoney: Payments in the metaverse pp. 130-141

David G.W. Birch and Victoria J. Richardson

Balancing privacy and data use: The potential impact of large online platforms and central bank digital currencies pp. 142-150

Yuji Maruo and Sei Sugino

Distributed ledger technology experiments in retail payments: Evidence from Turkey pp. 151-164

Gökhan Çağlayan, Bilgehan Kürşad Öz, Aleaddin Özer and Emrah Şener

UK/EU regulatory developments in payments, crypto-assets and buy-now-pay-later agreements pp. 165-181

Max Savoie, Martin Dowdall and Paida Manhambara

The impact of cognitive, affective and social antecedents on system characteristics and their influence on proxy payments adoption pp. 182-199

Neha Vivek Dharurkar, Kanchan Patil and Balakrishnan Mahadevan

Intention to use mobile payment systems among unorganised retailers in India pp. 200-222

M. Karthik Ram and S. Selvabaskar

Volume 17, issue 1, 2023

Editorial pp. 4-7

Gerard Hartsink

Do we really need another dollar, euro, pound or yuan? How to create the right ecosystem for a successful central bank digital currency pp. 8-25

Dr Michael Salmony

Central bank digital currencies: An active role for commercial banks pp. 26-35

Olivier Denecker, Arnaud D’Estienne, Pierre-Matthieu Gompertz and Elia Sasia

Central bank digital currency challenges: The case of Greece pp. 36-45

Veni Arakelian

Using central bank digital currencies across borders: Lessons from practical experiments pp. 46-57

Morten Bech, Codruta Boar, Daniel Eidan, Philipp Haene, Henry Holden and Wee Kee Toh

China’s Digital Currency Electronic Payment: A ‘negotiated currency’ perspective pp. 58-67

Lisha Wang

Wholesale central bank digital currency vs traditional real-time gross settlement: Benefits beyond a new acronym? pp. 68-85

Harry Leinonen

Identifying and authenticating the users of virtual currency via electronic attestation and the European Digital Identity Wallet pp. 86-95

Ignacio Alamillo-Domingo

Designing digital currency wallets for broad adoption pp. 96-106

Becca Scollan and Erika Darling