Journal of Payments Strategy & Systems

2006 - 2025

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Volume 15, issue 4, 2021

Editorial pp. 352-354

Holti Banka

Developments in fast payments in the Single Euro Payments Area pp. 355-359

Javier Santamaría

Mind the gap: Digitisation and payment systems pp. 360-366

Ahmet Buğday, Ozan Deniz, Serdar Murat Öztaner and Emrah Şener

Pix: The Brazilian fast payments scheme pp. 367-375

Breno Lobo and Carlos Eduardo Brandt

Person-to-business instant payments: Could they work in Colombia? pp. 376-397

Carlos Alberto Arango, Ana Carolina Ramirez-Pineda and Manuela Restrepo-Bernal

Instant payments and cards: Apples and oranges or a possible substitute? pp. 398-409

Diederik Bruggink and Alessia Benevelli

Demystifying ISO 20022: Evaluating the benefits and limitations of new messaging standards pp. 410-418

Mike Gallaher and Chad Harper

Open banking: Opening up the ‘walled gardens’ pp. 419-431

Baran Aytaş, Serdar Murat Öztaner and Emrah Şener

Open banking in Europe: The effect of the Revised Payment Services Directive on Solarisbank and Insha pp. 432-444

Zhamal Nanaeva, Ahmet Faruk Aysan and Nasim Shirazi

Demystifying programmable money: How the next generation of payment solutions can be built with existing infrastructure pp. 445-454

Erwin Kulk and Petra Plompen

`The Pay Off: How Changing the Way We Pay Changes Everything` by Piet Mallekoote pp. 455-457

Piet Mallekoote

Volume 15, issue 3, 2021

Editorial pp. 232-233

Gerard Hartsink

Changing US consumer payment habits during the COVID-19 crisis pp. 234-243

Tom Akana

Income and banking access in the USA: The effect on bill payment choice pp. 244-249

Claire Greene and Joanna Stavins

The evolving role of the ‘collecting model’ in the payment service provider market pp. 250-259

Niklas Bartelt and Ulrich Hommel

Do we need a digital euro, or a digitisation of payments? pp. 260-276

Udo Milkau

The public, the private and the secret: Thoughts on privacy in central bank digital currencies pp. 277-286

David Ballaschk and Jan Paulick

An integrated approach for electronic identification and central bank digital currencies pp. 287-304

Michael Adams, Luca Boldrin, Ralf Ohlhausen and Eric Wagner

The phenomenon of de-risking: Unintended consequences and possible solutions pp. 305-318

Jorge Jimenez and Jose Labeaga

The European Payments Initiative: The next big thing in European payments? pp. 319-331

Ewald Judt and Malte Krueger

Country report: The payments industry in the Netherlands: Status and future developments pp. 332-348

Piet M. Mallekoote and Gerard Hartsink

Volume 15, issue 2, 2021

Editorial pp. 132-133

Gerard Hartsink

Payment infrastructure trends in Japan: Emerging technologies and alternative infrastructures pp. 134-149

Eiichiro Yanagawa

Establishing the trust anchor in the digital economy: The case for banks to become ‘data custodians’ pp. 150-164

Mounaim Cortet, Maarten Bakker, Pepijn Groen and Denise Hoppenbrouwer

Preparing euro payments for the future: A blueprint for a digital euro pp. 165-187

Eric Wagner, Diederik Bruggink and Alessia Benevelli

Consumer behaviour in a health crisis: What happened to cash? pp. 188-196

Kevin Foster and Claire Greene

The impact of merchant and mobile payments on financial inclusion in Asia-Pacific pp. 197-200

Zennon Kapron

Acceptance of digital payments among rural retailers in India pp. 201-213

Surabhi Koul, Sahil Singh Jasrotia and Hari Govind Mishra

Wholesale payment systems: Modernisation of the liability framework pp. 214-224

Robin Doyle

Volume 15, issue 1, 2021

Editorial pp. 4-6

Harish Natarajan

Sovereign digital currencies: Reshaping the design of money and payments systems pp. 7-22

Ross P. Buckley, Douglas W. Arner, Dirk A. Zetzsche, Anton N. Didenko and Lucien J. Van Romburg

Two paths to tomorrow’s money pp. 23-36

Tony Mclaughlin

Money and customer funds in the world of digital finance: Who really owns what? pp. 37-53

Biagio Bossone

Innovation and competition in payments: Evolving policy challenges pp. 54-66

Pablo Urbiola, Lucía Pacheco and Jesús Lozano

Did Wirecard ever matter? Reflections on the structure of the German e-commerce payment service provider market pp. 67-78

Niklas Bartelt and Ulrich Hommel

Digital wallet war in Asia: Finding the drivers of digital wallet adoption pp. 79-91

Putri Natasya Fanuel and Ahmad Nurul Fajar

Factors influencing the acceptance of proximity mobile payment in Germany: The example of Apple Pay pp. 92-108

Silke Finken and Louisa Heiduk

How small and medium-sized retail enterprises can make the best use of payment innovations pp. 109-117

Maria Iride Vangelisti

FinTechs and payments for international education pp. 118-126

Venkataramani Prakash

Volume 14, issue 4, 2020

Editorial: FinTech’s impact on payments — Part 1 pp. 312-314

Harish Natarajan

FinTech and financial inclusion: Opportunities and challenges pp. 315-325

Marc Hollanders

The payment systems revolution: India’s story pp. 326-338

N.V. Narendra Kumar, Abhishek Thakur, G. Raghuraj and S. Lalit Mohan

Clouds, chips or chains? The three ways to implement a digital dollar: FedPesa, FedDex or FedCoin pp. 339-352

David G.W Birch

Moving digital cash (forward): The significance of payment schemes pp. 353-362

Arif Ismail, Herco Steyn and Comfort Phelane

Granting access to real-time gross settlement systems in the FinTech era pp. 363-379

Biagio Bossone, Gynedi Srinivas and Holti Banka

Stable crypto-assets for payments: What is missing in current token standards? pp. 380-391

Carlos Fernández Herraiz and Íñigo García De Mata

Digital payments adoption and the demand for cash: New international evidence pp. 392-410

Carlos Alberto Arango and Nicolás Suárez-Ariza

Shifts in payment strategy to support the ‘stay-at-home’ workforce during the current COVID-19 pandemic: Survey results pp. 411-425

Mahendra Gupta, Richard J. Palmer and James Brandt

Volume 14, issue 3, 2020

Editorial pp. 200-201

Alec Nacamuli

The COVID-19 pandemic: Implications for financial market infrastructures and the payments ecosystem in the euro area pp. 202-206

Klaus Löber and Patrick Papsdorf

Does socio-demography affect preferences and concerns towards cashless payment? Evidence from the north-eastern region of India pp. 207-222

Krishna Murari, Vimal Bhatt and Prabhat Kumar

Compliance in a hyper-growth FinTech payments business: A brief guide to support success pp. 223-229

Matt Buchanan

Digital assets in banking: A regulatory target operating model for payments pp. 230-236

Gino Wirthensohn

How India can develop its payments fraud prevention model: A study of emerging best practices pp. 237-255

Nakul Gupta and Dharmender Jhamb

CodeCash: A novel system for mobile and electronic transactions pp. 256-267

Zhuo Qi Chen

Innovation in open banking: Lessons from the recent wave of payment institutions that have been authorised to provide payment initiation and account information services pp. 268-285

Fred Bär and Ivan Mortimer-Schutts

Banks create money (but only to a point): The ‘payments perspective’ pp. 286-304

Biagio Bossone

Volume 14, issue 2, 2020

Editorial pp. 100-101

Alec Nacamuli

SEPA Instant Credit Transfer: Where are we now and where are we heading? pp. 102-105

Javier Santamaría

Unlocking the potential of faster payments in the USA: An interview with Attila Csutak pp. 106-112

Brian Laverdure and Attila Csutak

The consumer in lockdown: Consumer—merchant payments in a mobility-constrained environment pp. 113-119

Nick Kerigan

The cash society pp. 120-127

Claire Greene

Open banking: The rise of the cloud platform pp. 128-146

Gary S.D. Farrow

How the financial sector can anticipate the threats of quantum computing to keep payments safe and secure pp. 147-156

Oscar Covers and Marco Doeland

FinTech and payments regulation: An analytical framework pp. 157-171

Tanai Khiaonarong and Terry Goh

Real-time retail payments or faster payments: Evidence from select countries on consumer attitudes and the importance of dependability pp. 172-185

Andrew Buckley and Mahadevan Balakrishnan

Enabling financial inclusion in developing economies pp. 186-194

Nabeel Ghunaim

Volume 14, issue 1, 2020

Editorial pp. 4-5

Alec Nacamuli

The payments landscape in Portugal: An interview with Pedro Coelho pp. 6-9

Diederik Bruggink and Pedro Coelho

How payments drive digital transformation pp. 10-13

Andréa Toucinho

Beyond interchange: From plastic to payment platforms? pp. 14-24

Udo Milkau

Glimpses of a cash-free world, and how it might be avoided pp. 25-31

Ron Delnevo

European payments regulation: State of play at the start of the new decade pp. 32-39

Diederik Bruggink

The impact of the Revised Payment Services Directive on the market for payment initiation services pp. 40-47

Bruno Lule Yawe and Ibrahim Mukisa

Real-time retail payments system or faster payments: Implementation considerations pp. 48-60

Harish Natarajan and Mahadevan Balakrishnan

The institutional layering arrangements of the Egyptian government’s e-payment system: An analytical case study pp. 61-74

Wael Omran Aly

An application programming interface model for open banking ecosystems pp. 75-91

Gary S.D. Farrow